Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I am writing to formally address Transworld Systems Inc. ( TSI ) 's failure to validate an alleged debt within the legally required timeframe, as well as their continued collection efforts, which violate federal and New York State laws. 

Background : Initial Reporting : TSI began reporting a collection account on my credit reports on XX/XX/year>. 

First Validation Request : On XX/XX/year>, I submitted a written request for debt validation via email. 

I explicitly requested the following : - Proof that I owe the debt. 
- Information about the original creditor. 
- A detailed account of how the amount was calculated. 
- Copies of contracts, agreements, or statements establishing liability.

- Proof that TSI is entitled to collect on this debt. 

Second Validation Request : On XX/XX/year>, I reiterated my request through TSI 's website inquiry page.

Delayed Response : TSI responded with a letter dated XX/XX/year>, exceeding the XXXX validation period required by law that did not address the requested documentation and failed to prove responsibility of this debt to me as outlined by federal and state law. 

Violations : Fair Debt Collection Practices Act ( FDCPA ) : Validation Requirement : Under 15 U.S.C. 1692g ( b ), a debt collector must cease all collection activities if a written dispute or request for validation is received within 30 days, until they provide proper verification of the debt.

Violation : TSI failed to validate the debt in a timely manner and continued reporting the collection to credit bureaus.

New York State Debt Collection Regulations : New York State regulations mandate debt collectors to provide detailed information about the original creditor, the debt amount, and their authority to collect the debt.

Violation : TSI failed to adhere to these requirements within the prescribed timeframe.

Legal Actions Sought : If TSI does not immediately take corrective actions, I am prepared to pursue the following legal remedies : Cease-and-Desist Order : Seek an injunction to halt all collection activities related to this account until full compliance with the law is achieved.

Credit Reporting : Demand the immediate removal of the collection account from all three credit reporting agencies ( XXXX, XXXX, and XXXX ). 

XXXX Damages : XXXX a lawsuit under XXXX XXXX. XXXX for violations of the FDCPA, seeking : Statutory damages of up to {$1000.00} per violation. Actual damages for harm caused by the negative credit reporting, including increased borrowing costs and emotional distress. Attorney 's fees and court costs. 

Regulatory Complaints : File additional complaints with the New York State Attorney General 's Office and the Federal Trade Commission ( FTC ) to investigate and enforce compliance with consumer protection laws.

Demand for Resolution : I demand that TSI immediately : Cease all collection efforts related to this alleged debt.

Remove the collection account from my credit reports. ( XXXX, XXXX, and XXXX ) Failure to address this matter within XXXX calendar days from the date of this letter will leave me no choice but to pursue the legal actions outlined above.

Company response to consumer: Closed with explanation