Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
b'I respectfully request that this dispute be reopened and that the inaccurate account be fully deleted from my credit profile and from XXXX  internal records. The collection agencys response is legally insufficient, internally contradictory, and conflicts with the documented evidence I am providing. The harm caused by their actions requires full deletion, not mere correction.\nI am submitting multiple attachments in this rebuttal.\nPlease note that Response-Bowman.pdf is the collection agencys response that I am disputing in full.\nI. FDCPA Violations (Based on XXXX)\nTSIs response dated XXXX XXXX XXXX, contained in XXXX-XXXX, demonstrates multiple violations of the Fair Debt Collection Practices Act.\n1. Failure to Provide Proper Validation  FDCPA 809(b)\nTheir response contained only:\nAn internal ledger\nA generic form letter\nNo signed contract\nNo proof I lived at the residence during all billed months\nNo meter readings or proof of actual usage\nNo final itemized bill explaining the alleged balance\nThis does not meet the legal standard of meaningful validation required under the FDCPA and CFPB Regulation F.\n2. Misrepresentation of the Amount and Legal Status of the Debt  FDCPA 807(2)(A)\nThe collectors own ledger contradicts itself and conflicts with:\nMy payment historyXXXX  published disconnection policy\nThe service stop-date I am providing\nTheir ledger also shows repeated $XXXX balances followed by unexplained new charges.\n3. Collection of Amounts Not Permitted by Law  FDCPA 808(1)\nTSI added:\nA Residential Reconnection Charge on XXXXXXXXContinued billing after service termination\nLate fees for periods already paid\nThese charges contradict the Service Change Request Confirmation proving termination on XXXX XXXX XXXX4. Unfair and Unconscionable Practices  FDCPA 808\nTSI submitted its response to the CFPB on the final day of the 60-day window, preventing my timely rebuttal.\nThis strategic timing is an abusive procedural tactic that undermines the fairness of the CFPB process.\n5. Refusal to Communicate While Continuing Collection  FDCPA 806 & 809\nTSI states (in XXXX):\nIt is TSIs intent not to have any communication with you\nA collector cannot refuse communication and simultaneously attempt to validate or continue reporting a debt.\nII. FCRA Violations\n1. Reporting Inaccurate Information  FCRA 623(a)(1)(A)\nThe reported balance is inaccurate because:\nPayments repeatedly reduced the balance to XXXX\nThe collector billed after my service stop-date\nCharges contradict the creditors own disconnection rules\n2. Failure to Correct or Delete After Dispute  FCRA 623(a)(2)\nTSI did not correct or delete inaccurate information after being notified of the dispute.\n3. Verifying a Disputed Account Without Proper Basis  FCRA 623(a)(3)\nTSI verified the debt despite having no legal validation or supporting documentation.\nIII. Contradiction With XXXX  Own Disconnection Policy (Attachment: XXXX   Customer service process)\nI independently obtained XXXX  Customer Service Processes document.\nOn page 3, it states:\nCustomers are not disconnected until they have used up to 2.5 months of service with no payment.\nThis is critical because:\nMy service was never disconnected\nTherefore, I did not go months without paying, as implied by the collector\nThe only reason service was never disconnected is because I consistently paid\nThis directly contradicts the collectors narrative and proves the debt is not accurate.\nIV. Payment History Proves Account Was Not Delinquent\n(Attachment: XXXX  XXXX XXXX)\nMy official XXXX  payment summary verifies payments on:XXXXXXXX   $XXXX XXXX XXXX XXXX XXXX  $XXXXThese payments brought the balance down to $XXXX multiple times, as shown in the collectors own internal ledger contained in XXXXA delinquency cannot exist under these circumstances.\nV. Service Termination vs. Continued Billing\n(Attachment: Service Change Request Confirmation.pdf)\nMy official service stop-date is XXXX XXXX XXXXDespite this, the collectors ledger shows:\nA Residential Reconnection Charge posted on XXXXAdditional billing and late fees after service termination\nNo documentation of any reconnection or continued authorization\nThis is clear billing error, not a valid debt.\nVI. Procedural Unfairness: 60-Day Delay\nTSI responded on the final day of the CFPB window.\nThis:\nPrevented me from submitting a timely rebuttal\nCreated a one-sided record\nDemonstrates bad faith\nConstitutes an abusive and unfair practice under the CFPBs UDAAP framework\nVII. Documented Harm (For the Legal Record)\nI have experienced:\nRisk of credit damage\nEmotional distress\nLoss of time attempting to correct inaccurate information\nStress caused by misleading and incomplete documentation\nI understand the CFPB does not award damages, but I am documenting this harm in preparation for potential legal action.\nVIII. Requested CFPB Actions\nI respectfully request the following:\nReopen the dispute immediately.\nRequire TSI and XXXX  to fully delete the account from all credit bureaus and internal systems due to documented inaccuracies and violations.\nSuspend all collection and reporting activity during reinvestigation.\nConsider enforcement action against the collector for the procedural unfairness and multiple FDCPA/FCRA violations.\nRecord that I reserve my right to pursue statutory damages, actual damages, and attorneys fees under the FDCPA and FCRA.\nClosing Statement\nThank you for your time. The collectors inconsistencies, legal violations, and procedural abuse require renewed review and full deletion of the inaccurate account. I trust the Bureau will ensure accuracy, fairness, and compliance with federal law.\nRespectfully,'

Company response to consumer: Closed with explanation