Consumer complaint received 2025-04-23 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:
Dear CFPB, This is a formal follow-up regarding my complaint against Transworld Systems Inc. ( TSI ) , XXXX XXXX XXXX XXXX for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). My original complaint, filed on the CFPB platform, outlined serious concerns about a false and retaliatory collection account related to my former lease at XXXX XXXXXXXX XXXX. I had properly notified the property of my move-out, did not renew my lease, never received a final accounting, and never received my {$540.00} security deposit. 

In my initial complaint, I requested the following documentation from TSI under FDCPA 15 U.S. Code 1692g : A copy of the original lease agreement A detailed, itemized breakdown of charges Documentation showing I am legally obligated to pay this alleged debt I also submitted disputes with XXXX XXXX XXXX XXXX  under FCRA 1681g and 1681i, requesting : The name of the entity that verified the debt A description of the evidence used to verify it Any signed agreement between myself and Transworld Systems , Inc. 

To date, none of this information has been provided by any party. 
In response to my CFPB complaint, TSI stated that the account was placed in a restrictive status to prevent further collection activity and that they intend to cease communication regarding the matter. They also stated they had contacted the credit bureaus, without specifying what was reported or updated. Additionally, they provided a move-out statement as the only documentation in response to my request. This document : Does not validate the debt Does not include a lease agreement Does not contain an itemized list of charges Does not demonstrate that I am legally responsible for any outstanding balance TSIs response is clearly an attempt to sidestep their legal obligation to validate this debt under federal law. Simply ceasing communication does not equate to compliance with FDCPA 1692g, nor does it resolve the damage caused by false reporting to credit bureaus. 

Further, their vague claim about contacting the credit bureaus, without confirming whether the account was deleted or updated, violates transparency requirements under FCRA. I am entitled to know exactly how this account is being reported and whether it remains on my credit profile. Improper Documentation Provided : Instead of providing a copy of the original signed agreement, itemized charges, payment history, or a breakdown of how the debt amount was calculated, TSI attached a generic move-out document. This does not validate the debt nor does it demonstrate that I am legally responsible for it. A move-out statement is not proof of a binding financial obligation or the legal right to collect on it. 
2. Vague and Nontransparent Credit Reporting Actions : TSI claims to have contacted credit reporting agencies but does not specify what information was reported or updated. As the consumer, I have a right to know exactly how this alleged account is being reported. The absence of this information is concerning and may constitute inaccurate reporting under the Fair Credit Reporting Act ( FCRA ). 
3. Failure to Address Core Concerns of My Complaint : TSI ignored the key aspects of my complaint. They did not provide a legitimate debt validation, they did not explain how this account was verified, and they failed to acknowledge whether they have ceased reporting it to credit bureaus altogether. 
4. Ceasing Communication is Not a Resolution : While they state they intend to cease communication regarding the account, that is not a resolution to the actual issue. This appears to be a tactic to avoid addressing their legal responsibility to validate the debt and correct any potential errors on my credit report.

Company response to consumer: Closed with explanation