Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
Transworld Systems Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Our Account XXXX XXXX XXXX  Current Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Account XXXX XXXX XXXX Debt Description XXXX XXXX XXXX  Original Creditor 's Account XXXX XXXX XXXX XXXX Balance Due : {$740.00} This account does not belong to me. You are violating federal law and Virginia debt collection law. You do not have the original contract. There is no contract because this account does not belong to me. 



This account is disputed, and you are required by law to mark account disputed and remove it from credit report. 
This account belongs to another person. 
This account does not belong to me. I also dispute your ownership of the account. I need to see an original contract with interest rates agreed. I deny a contract exists. 
I am filing suit in XXXX XXXX XXXX XXXXXXXX for the XXXX XXXX XXXX XXXX  for violations you have perpetuated against me. 

You have violated the following federal laws and other XXXX  laws 15 U.S. Code 1692d - 806 Harassment or abuse ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

807. False or misleading representations ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

808. Unfair practices ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

809. Validation of debts ( c ) Admission of liability. The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

I am ready to fight any suit in Virginia general district court. The following laws in general district court over the account you are seeking for payment apply.

The court needs the original contract. There is no contract.

This account belongs to another person.

I am ready for court, The following applies in XXXX  Courts over contracts. 
XXXX XXXX  Production of Written Agreement. When a suit is brought on a written contract, note or other instrument, the original document must be tendered to the court for entry of judgment thereon unless the production of the original is excused by the court for good cause or by statute. 
XXXX XXXX REQUIREMENT OF PRODUCTION OF ORIGINAL To prove the content of writing, the original writing is required, except as otherwise provided in these Rules, other Rules of the Supreme Court of XXXX, or in a XXXX  statute. 
In other words, who owes the debt and who legally can collect the debt must be stated clearly in the documentary evidence. Random spreadsheets with numbers do not meet the burden of proving who owns the right to recover a debt. A bill of sale must contain all the information and attachments to authenticate the debt. At a minimum, the bill of sale must identify the debtor, and the amount of debt owed. The debt can not be authenticated if there is no information in the bill of sale that identifies the person or company regarding the details of the debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
And to recover a debt from a purported debtor, a party must prove that it owns the right to the specific debt at issue. See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

For a debt based on a written contract, the best-evidence rule requires that where the contents of a writing are desired to be proved, the writing itself must be produced or its absence sufficiently accounted for before other evidence of its contents can be admitted. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX ( XXXX ) I am ready for court. This account is disputed. 
This account belongs to another person. 
XXXX XXXX You have violated my rights, and I am filing suit in United States XXXX XXXX for the XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation