Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I am disputing a {$350.00} collection reported by Transworld Systems, connected to my former landlord, XXXX XXXX XXXX. I moved into the home in XXXX and moved out in XXXX during the XXXX, under significant financial and health-related stress. When I began the lease, I was sick with XXXX. Not long after, I underwent knee XXXX, which made the transition into the property even more difficult. By the time I moved out in XXXX, I was experiencing financial hardship, hade to move out into a hotel, and did not prioritize or revisit the move-out communications at the time. 

An itemized list of charges was emailed to me after move-out. Upon reviewing it recently, I see that at least {$250.00} of the charges appear inaccurate or unjustified. For example : {$100.00} was billed for a garage door remote that was not missing-it was left on the kitchen counter by my daughter when we moved out. ; {$150.00} was charged for a screen and patio door damage that was present when I moved in. I reported the damage during the walk-through, and although my mother did not file the written move-in form, I verbally informed the landlord. The issues were never repaired during my tenancy and should be charged to me. 

There is also a remark on my credit report from Transworld System labeling this account as related to " natural disaster ''. This supports my concern that some of the charges may stem from damages caused by such an event-damage I was not responsible for. During the XXXX XXXX  and related emergencies, landlords had access to insurance coverage and government assistance. It is unreasonable to charge tenants for repairs linked to natural disasters, especially without clear documentation or explanation. 

Most importantly, XXXX XXXX XXXX held a {$2600.00} security deposit. Any legitimate deductions should have been subtracted from that amount. I was never provided with a clear explanation of how the deposit was applied and no documentation support why I owe such a balance. 

Transworld Systems has told me they will not delete the collection unless it is paid in full. They also offered to settle for {$280.00} and break the payment into smaller payments or allow me to file a dispute. I declined to pay the full amount or their offer because at least {$250.00} of the charges are inaccurate, and I should not have to pay for things that I did not cause. 

Transworld Systems also requested photos form XXXX, which I no longer have due to switching phones. However, my family members can verify the conditions of the property at move-in and move-out. 

I was unaware this account had been reported to collections until I recently checked my credit while preparing for a new apartment application. Now that I've reviewed the charges and the impact on my credit report, I am taking action to correct it. 

I have been told i will received a letter confirming that a dispute has been filed but it may take 7 to 10 business days. I have an apartment application deadline approaching in XXXX and need this resolved urgently. I am requesting that this collection either be removed entirely, fairly reduced based on valid documentation or settled with written confirmation of deletion from my credit report.

Company response to consumer: Closed with explanation