Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
XXXX XXXX Owner/CEO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XX/XX/2025 Re : Formal Complaint Against Transworld Systems Inc. and XXXX XXXX XXXX XXXX XXXX for Unfair Debt Collection Practices ; Account # XXXX  ; Creditor Reference : XXXXXXXX XXXX XXXX ; Amount Claimed : {$1500.00} Dear CFPB Complaints Division : I am filing this formal complaint pursuant to the Consumer Financial Protection Act and related federal regulations governing debt collection practices. As the owner of XXXX XXXX XXXX, a small business entity, I am an individual with XXXX protected under the Americans with Disabilities Act ( ADA ). This status entitles me to reasonable accommodations and protections against discriminatory or harassing conduct in commercial transactions. The following details outline violations by Transworld Systems Inc. ( TSI ) and XXXX XXXX XXXX, XXXX ( XXXX ), which have caused undue distress and interfered with my business operations. 
On or about XX/XX/, I received an unsolicited debt collection notice from TSI claiming an outstanding balance of {$1500.00} allegedly owed to a creditor referenced as XXXX. 
This notice was mailed to my business address without prior verification or substantiation of the debt. Upon review of my company 's financial records, no such obligation exists, and I have no recollection or evidence of any agreement, services rendered, or outstanding invoices from XXXX or any affiliated entity that would justify this claim. 
The actions of TSI and XXXX constitute unfair, deceptive, and abusive practices under 12 U.S.C. 5531, including but not limited to : Attempting to collect an invalid or unsubstantiated debt without providing verifiable proof upon request, in violation of debt validation requirements. 
Engaging in harassing communications that fail to account for my protected status as a XXXX business owner, potentially breaching ADA provisions against discrimination in places of public accommodation and commercial dealings ( 42 U.S.C. 12181 et seq. ). This has exacerbated my health conditions and imposed unnecessary administrative burdens on my limited-capacity operations. 
Possible misrepresentation of the debt 's origin or legitimacy, as " XXXX '' does not correspond to any known creditor in my records, suggesting errors in referral or processing. 

I have previously disputed this claim in writing to both TSI and XXXX, demanding cessation of collection activities and provision of supporting documentation, but have received no adequate response. As a result, I am asserting a counterclaim for harassment and seeking : Immediate investigation and resolution of the disputed debt. 
Cessation of all further collection efforts by TSI and XXXX. 
Compensation for any damages, including emotional distress, time expended, and potential business disruptions, in accordance with applicable laws. 
Imposition of appropriate penalties on the respondents for non-compliance. 

To support this complaint, I will forward copies of the original TSI notice, my dispute letters dated XX/XX/XXXX  and relevant business records demonstrating the absence of any valid debt. I am available for further discussion and can provide additional evidence upon request. 
Thank you for your attention to this matter. I request prompt acknowledgment of this complaint and updates on its status. 
Sincerely, XXXX XXXX Position : Owner/CEO Company Name : XXXX XXXX XXXX

Company response to consumer: Closed with explanation