Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I do not owe any debt reported by this company. Anything reported by this company is considered fraudulent and/or fictitious as no outstanding balances exist for me. Thus, I submitted the following letter to this company and they failed to comply. I have been ignored and as a result have suffered humiliation and hardship. This is what I sent them : TRANSWORLD SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX RE : Cease and Desist Alleged Collection Account XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am disputing the validity of the above-referenced collection account that your company, TRANSWORLD SYSTEMS , is reporting on my credit file. I deny any legal responsibility for this alleged debt and hereby demand that you immediately cease all collection activity and delete this account from all credit reporting agencies. XXXX. FDCPA Compliance Required Under the Fair Debt Collection Practices Act ( FDCPA ) : 809 ( a ), 15 U.S.C. 1692g ( a ) : You must provide proper validation, including a copy of the original contract, itemized billing, and legal chain of title showing your right to collect. 1692e : Prohibits false or misleading representations. Reporting an unvalidated debt is a false representation of its legal status. 1692f : Prohibits unfair or unconscionable practices. Reporting derogatory credit data without proof of ownership or assignment is unfair. 2. FCRA Violations in Reporting By furnishing this account to the credit bureaus, you are subject to the Fair Credit Reporting Act : 607 ( b ), 15 U.S.C. 1681e ( b ) : You must assure maximum possible accuracy. Reporting unverifiable data violates this requirement. 623 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681s-2 : You may not furnish information you knowor should knowis inaccurate. 611 ( a ) : A furnisher must conduct a reasonable investigation when an account is disputed. Case law ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ) confirms parroting prior data is not reasonable. XXXX. Cease Communication Demand Pursuant to FDCPA 805 ( c ), 15 U.S.C. 1692c ( c ), I demand that you immediately cease all further communication with me regarding this alleged account, except to confirm in writing that : The account has been permanently deleted from all credit bureaus, or You have lawful validation as defined above. Any further attempts to contact me outside of these narrow exceptions will be considered severe harassment. XXXX. Consequences for Non-Compliance If you fail to comply, I will : File formal complaints with the CFPB, FTC, and my State Attorney General. Pursue damages under FDCPA 813, 15 U.S.C. 1692k, and FCRA 616617, including statutory, actual, and punitive damages, plus attorneys fees. Pursue civil claims for defamation, invasion of privacy, and negligent enablement of identity theft. Final Demand Accordingly, I demand that TRANSWORLD SYSTEMS : Immediately delete this account from XXXX XXXX XXXX XXXX Provide written confirmation of deletion within XXXX days. Refrain from any further reporting or collection attempts without full and lawful validation. This letter is a final notice before escalation. Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation