Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Date : XX/XX/year> To : TRANSWORLD SYSTEMS INC ( debt collector ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute, Validation, and Cease & Desist Demand Under the FCRA Dear Sir or Madam, This letter serves as a formal dispute and validation request under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related state law protections. I request that you immediately cease reporting the disputed accounts to all credit reporting agencies until you provide full validation and verification of the debt as requested herein. I am asserting my rights to accuracy and fair reporting across all consumer reporting channels. 

1 ) Basis for dispute and legal framework FCRA obligations : Furnishers must provide accurate, complete, and verifiable information and must properly validate disputed information under 15 U.S.C. 1681s-2 and 1681i ( a ) ( XXXX ). 
Validation standards : See XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Refer to the cited cases for context on burden of verification and accuracy. ) Statutory references : 15 U.S.C. 1681i ( a ) ( 6 ) ; 1681s-2 ( a ) ( 1 ) and ( b ) ; 1681t ( a ).

Texas protections : Texas consumer protection and state law support accuracy and prompt correction/removal of inaccurate tradelines. 

2 ) Cease & Desist from Reporting Effective immediately, please discontinue reporting the disputed accounts to all credit bureaus and any third-party data furnisher until you have completed validation as requested. If you fail to comply, I request that you delete the disputed tradeline ( XXXX ) from your systems and provide a notice to the major credit reporting agencies that these items require validation. 

3 ) Account ( s ) in Dispute Creditor Name : XXXX XXXX XXXX  ( debt collector ) Account Numbers : XXXX and [ Second Account Number : fill in ] Total balances : {$530.00} and {$230.00} Debt Type : Two accounts ; disputed balance and related reporting Disputed Information : Alleged balances and delinquency reporting are inaccurate ; potential misreporting or fraudulent activity 4 ) Validation Requests ( under 15 U.S.C. 1681i ( a ) ( 6 ) ) Mandatory items The original contract or statement of terms between me and the original creditor.

All documents establishing chain of title, including all assignments/transfers of the debt.

The specific pooling and servicing agreement or trust documentation that authorizes securitization and the trustees authority.

Evidence that the current owner or servicer has authority to collect or report this debt.

Additional Validation Items Documentation of the date the debt was written off or settled, including any 1099-C ; year/date of cancellation ; amount reported for tax purposes.

Copies of all trust documents, pooling/servicing agreements, and sale agreements related to this debt.

Evidence of transfer/sale of the debt to the current owner ( including securitization details, if applicable ).

Proof that the entity holding the debt has authority to report and collect.

Copies of any 1099-C forms issued related to this debt ( year/date and amount canceled ).

Complete copy of the Account Data Base ( ACDB ) or equivalent internal reporting record used to report this account to the credit bureaus, including all data points, codes, and references.

Furnisher name, license information, and contact details.

Proof of authority to report ( authorization from original creditor or other legal entity ).

Evidence that the account has not been re-aged, re-assigned, or reincurred to a more favorable status without proper notice.

If securitized, assignment and ownership documents including trust name, PSA/Pooling and Servicing Agreement, and UCC-1 filings .

IRS notices or correspondence related to the debt, including notices of cancellation or 1099-C reporting.

5 ) Audit Trail & Verification Method A detailed description of the verification methodology, including steps taken, personnel involved, and supporting documentation ( e.g., audit logs, examiner notes, system notes ).

6 ) Dereferencing & Compliance Cease and Desist all reporting and collection activities until above items are provided and validated. If items can not be submitted within a reasonable timeframe, delete the negative account and tradeline from all files and notify the bureaus with remediation notes.

7 ) Late Payment Protections & Accuracy Ensure any late payment reporting is supported by accurate delinquency dates, payment histories, and reporting periods. If any item is reported in error or without proper verification, promptly correct or remove it per the FCRA and applicable state law.

If a late payment notice was sent, provide proof by mail that I was properly notified at least 21 days before reporting, including the date of initial notice, delivery method, notice content, and the mailing date.

8 ) Public-Interest Notice In line with my rights under the FCRA, I may share this dispute with oversight bodies ( CFPB, BBB, state attorney general offices, etc. ) to ensure proper validation and reporting practices.

9 ) Final Demands Cease reporting until validation is provided.

Respond within 10 days with all requested documentation, including the ACDB record.

If not provided, permanently delete the information from all systems and report accordingly to the credit bureaus, with written confirmation.

Do not retaliate for exercising my rights ; I will pursue appropriate remedies if necessary. 

XXXX ) Signature Block Sincerely, XXXX XXXX XXXX XXXX Original Consumer Name : XXXX XXXX XXXX XXXX Original Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX

Company response to consumer: Closed with explanation