Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: OR

Complaint narrative:
I have filed FTC Identity Theft Report Number : XXXX and police report XXXX because the accounts listed on my credit report do not belong to me. I have never entered into any agreement with these companies, nor have I signed any contracts or agreed to pay these debts. I discovered these accounts while preparing to buy a house, and they have negatively impacted my credit report. 

I have already begun contacting each collection agency and creditor to demand proof and proper validation of these debts, which I believe are fraudulent. Despite my efforts, I continue to receive calls and notices for debts that are not mine. I am pursuing this police report to formally document the identity theft and to support my efforts to have these accounts removed. 

If these companies fail to remove these false accounts, I am prepared to take further legal action to protect my rights. I have contacted the XXXX credit bureaus about these accounts, but they advised me to send dispute letters instead. Over the past year, I even hired XXXX XXXX XXXX and XXXX  XXXX XXXX to help, but nothing has been resolved. Every time the credit bureaus contact these collection agencies, they just mark the accounts as verified even though I have never agreed to any of these debts. It feels like a never-ending loop. 

I am frustrated that the credit bureaus are not properly investigating. This is why I decided to file a police report and an FTC identity theft claim. I have now sent physical dispute letters directly to the collection agencies and all three credit bureaus. If they do not remove these false accounts within 30 days, I will take further action as advised by the FTC. My identity has been compromised, and I want these fraudulent debts off my record. 

Complaint to CFPB Regarding Transworld Systems Inc. 

I am filing a complaint against Transworld Systems Inc. ( TSI ) regarding their failure to properly validate an alleged debt and their continued reporting of fraudulent accounts on my credit report. 

FTC Identity Theft Report Number : XXXX Police Report Number : XXXX I am a victim of identity theft. Several accounts appearing on my credit report do not belong to me. I have never applied for credit with, entered into any agreement with, or authorized any of the creditors or collection agencies currently reporting these accounts. 

On XX/XX/year>, I sent Transworld Systems a written dispute letter demanding validation of an alleged XXXX debt ( Creditors Account # XXXX ). Instead of providing validation, XXXX sent me a letter dated XX/XX/year>, requesting that I return a fraud packet with my government-issued ID and police report. They failed to provide any actual validation, such as : A signed contract, Billing statements, or Documentation from the original creditor linking me to the account. 

This response does not satisfy their obligation under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). Once a consumer disputes in writing, the debt collector must cease collection and provide verification before resuming. Transworld has instead shifted the burden onto me, which is unlawful. 

Furthermore, under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681c-2 ), once I provided the FTC Identity Theft Report and police report, the credit bureaus and furnishers are required to block fraudulent information from my file. Despite this, Transworld continues to report the account, and the bureaus continue to show it as verified. 

Relief Requested : I request that the CFPB require Transworld Systems Inc. to : Provide proper validation of the alleged debt ( signed contract or original account records ), or immediately delete it. 

Cease all collection activity until proper validation is provided. 

Stop reporting unverifiable and fraudulent accounts to the credit bureaus. 

Comply fully with the FDCPA and FCRA. 

These fraudulent accounts are preventing me from repairing my credit and moving forward with purchasing a home. I am asking the CFPB to intervene and ensure my rights are protected. 

Attached Documents : Copy of Transworld Systems letter dated XX/XX/year> Copy of my XX/XX/year> dispute letter ( sent to Transworld Systems ) FTC Identity Theft Report Police Report

Company response to consumer: Closed with explanation