Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
. XXXX XXXX Review Inflated, Redundant, and Unlawful Charges Our review uncovered the following : Excessive and Redundant Late Fees Your client systematically assessed cascading XXXX XXXXXXXX late fees and duplicate 10 % penalties, even while payments were partially received. These fees exceed what is allowed under XXXX  law and may violate 15 U.S.C. 1692f ( 1 ) of the FDCPA, which prohibits collection of amounts not expressly authorized by agreement or law. 
Duplicate and Improper Move-Out Charges Numerous move-out feesincluding painting, cleaning, range/fridge cleaning, and vertical XXXX replacementwere later marked redundant or waived entirely on XX/XX/XXXX, after the balance had already been sent to collections. This raises a significant issue : the alleged debt was grossly overstated at the time of reporting, creating a false tradeline in violation of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ). 
Unsubstantiated Damage Charges The ledger reflects inconsistent charges for flooring and pet-related damage : Carpet was depreciated correctly for XXXX months, yet multiple overlapping charges ( e.g., Pet Shield {$420.00}, flooring {$1400.00}, and a second Pet Seal {$390.00} ) were layered after a security deposit credit and subsequent waivers. 
These overlapping entries artificially inflated the balance and reflect either reckless accounting or deliberate overstatement. 
XXXX XXXX XXXX Irregularities Although your records show a {$500.00} security deposit credit and a post-waiver adjustment of {$1200.00}, the tradeline furnished to credit bureaus was not correspondingly corrected. This constitutes continued furnishing of inaccurate information under 15 U.S.C. 1681s-2 ( b ). 
XXXX. Credit Reporting Liability FDCPA and FCRA Violations Your client, and its agent Transworld Systems, may face legal exposure under both the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) : Failure to Update or Correct Reported Information ( FCRA 1681s-2 ( b ) ) The documentation shows that a substantial amount ( {$1200.00} ) was waived on XX/XX/XXXX, yet there is no indication that this was ever relayed to the credit bureaus or resulted in an adjusted tradeline. This is prima facie evidence of continued reporting of inaccurate information. 
Unfair and Deceptive Collection Practices ( FDCPA 1692e ) XXXX collection based on an inflated amountlater reduceddemonstrates deceptive conduct. Failure to cease reporting once the legitimacy of the debt is challenged also violates 1692g. 
Missouri XXXX Practices XXXX ( XXXX XXXXXXXX XXXX ) The practice of assessing charges that were later reversed, but nonetheless used to justify collection action and credit reporting, constitutes unfair or deceptive acts in the course of consumer debt collection. 
XXXX. Good Faith by XXXX XXXX Contrary to your implication of default, XXXX XXXX made consistent payments throughout the lease, including correcting several NSF entries within days and attempting to catch up through partial paymentsa clear pattern of intent to pay, not evade. The record shows {$1500.00} paid for multiple months through XX/XX/XXXX, and a full XXXX rent charge issued despite lease termination set for XXXX final overreach by management. 
Moreover, the property waited until XX/XX/XXXX to initiate an excessive barrage of post-inspection charges, which were largely subjective, excessive, and ultimately waivedyet still sent to collections in XX/XX/XXXX, prior to resolution. 
IV. Settlement Demand In light of the documented billing irregularities, post-collection waivers, and the failure to update credit files per federal requirements, we must insist on the following : Immediate deletion of the negative tradeline reported to all credit bureaus concerning XXXX XXXX ; Written confirmation of tradeline deletion from Transworld Systems and/or XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) business days ; A formal apology or explanation to our client regarding the improper handling of his account and data. 
Failure to take corrective action may result in our client pursuing remedies under the FDCPA, FCRA, and MMPA. This may include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), state attorney general, and civil litigation seeking statutory damages, punitive damages, and attorneys fees. 
Please treat this as a formal dispute and notice of potential legal action. We are providing your office XXXX final opportunity to resolve this administratively before litigation maybe pursued

Company response to consumer: Closed with explanation