Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX Transworld System Inc ( TSI ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Pennsylvania Subject : Cease and Desist Account Number : XXXX Dear XXXX XXXX, This is my final writing to formally demand that TSI cease and desist all communications regarding the above-referenced account, including any reporting of this debt to consumer reporting agencies. This letter serves as a formal notice under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Cease and Desist Request Effective immediately, I demand that you stop all forms of communication with me regarding this account, including but not limited to : any phone calls, written correspondence, and reporting this debt to any credit reporting agencies. 
Concerns with Your Recent Response In your XX/XX/XXXX response to my initial cease and desist, it stated that TSI placed the account in a restrictive status to prevent further collection activity. However, it is concerning that TSI also mentioned contacting credit bureaus to request a disputed status for this account and that factors beyond TSIs control may prohibit confirming or denying the presence of inaccurate information within the time limit prescribed by state law.

Despite placing the account in a restrictive status, you have continued to update my credit report for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This ongoing reporting is a significant concern. 
Legal Violations 15 U.S.C. 1692c ( c ) : Once I have requested that you cease communication regarding this debt, you are legally prohibited from continuing to contact me. Your actions in reporting this debt to credit bureaus constitute a violation of this provision.

15 U.S.C. 1692e : This section prohibits the use of false or misleading representations in connection with the collection of any debt. Reporting a debt that has been placed in a restrictive status misrepresents the validity of the debt to credit reporting agencies.

15 U.S.C. 1681s-2 ( a ) : This provision prohibits a debt collector from reporting information they know to be inaccurate. Continuing to report this debt, especially after placing it in a restrictive status, is misleading and constitutes a violation of the FCRA. 
15 U.S.C. 1681s-2 ( a ) : This provision prohibits a debt collector from reporting information they know to be inaccurate. By continuing to report this account while acknowledging the existence of a dispute, you are misrepresenting the facts to credit reporting agencies.

15 U.S.C. 1681s-2 ( b ) : This section requires you to conduct a reasonable investigation when you receive notice of a dispute. Your statement that factors beyond TSIs control may prohibit them from confirming or denying the presence of inaccurate information suggests a lack of proper investigation, which is a violation of this requirement.

Consequences of Non-Compliance If you continue to report this charge-off account to any credit agencies after receiving this notice, I will fully take legal action against you against the law. This includes seeking damages for each violation of both the FDCPA and FCRA, which may encompass statutory damages, actual damages, and attorney fees.

Notification to Other Collectors I dispute that I owe this debt. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt and my refusal to pay it Thank you for your immediate attention to this matter. I expect your compliance. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation