Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
I am submitting this complaint to dispute and formally report a pattern of misconduct by Transworld Systems Inc. ( TSI ) related to their handling of a collection account attributed to me. TSI has repeatedly violated the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the XXXX XXXXXXXX XXXX and Regulation of Collection Practices Act ( XXXX ). These violations involve : XXXX. The continued reporting of inaccurate, incomplete, and misleading information. 

XXXX. Failure to conduct proper investigations following disputes. 

XXXX. Misrepresentations of my legal rights and responsibilities. 

XXXX. Failure to correct or delete demonstrably false credit reporting data. 

TSIs conduct has resulted in compounding financial harm, housing instability, and emotional distress over an extended period of time from XX/XX/year> through present. Below is a detailed list of the legal violations and misconduct I experienced : Summary of Violations XXXX. No Timely Validation Notice ( FDCPA XXXX ( a ) ; 15 U.S.C. 1692g ( a ) ) TSI failed to provide a validation notice within 5 days of initial contact. 
XXXX. Continued XXXX Without Validation ( FDCPA XXXX ( b ) ; 15 U.S.C. 1692g ( b ) ) TSI continued furnishing the debt to XXXX after I requested validation, without properly validating the debt. 
XXXX. Unfair, Unconscionable XXXX Practices ( FDCPA XXXX ; 15 U.S.C. 1692f ) TSI reported inaccurate data to XXXX and failed to correct it after notice. 
XXXX. Inconsistent Date of First Delinquency ( FCRA XXXX ( a ) ( XXXX ) ; 15 U.S.C. 1681s-2 ( a ) ( 5 ) ) TSI reported different XXXX to each XXXX XXXX the account incomplete and misleading. 
XXXX. Failure to Investigate Direct Disputes ( FCRA XXXX ( b ) ( XXXX ) ( B ) ; 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( B ) ) TSI substituted its debt validation process for a true FCRA investigation, violating their obligations. 
XXXX. Verified Inconsistent XXXX  as Accurate ( FCRA XXXX ( b ) ( XXXX ) ( XXXX ) ) XXXX failed to correct or delete inconsistent XXXX even after acknowledging the dispute. 
XXXX. Ignored Indirect Disputes from XXXX ( FCRA XXXX ( b ) ( XXXX ) ( B ) ) XXXX did not conduct reasonable investigations after receiving disputes from the XXXX 
XXXX. Ignored Deletion by XXXX ( FCRA XXXX ( b ) ( XXXX ) ( D ) ; FDCPA XXXX ( XXXX ) ) Even after XXXX deleted the account following my dispute, XXXX failed to notify XXXX and XXXX or stop reporting inaccurate data. 
XXXX. Knowingly Reported False Information ( FCRA 623 ( a ) ( 8 ) ( E ), 623 ( b ) ( 1 ) ( E ) ) TSI continued furnishing data they knew or had reason to believe was false. 
XXXX. Lack of Required Written Policies ( 12 C.F.R. 1022.42 ( a ) - ( c ) ) TSI failed to establish or maintain written policies to ensure reporting accuracy. 
XXXX. Violation of Appendix E III ( m ) TSI lacked procedures to comply with applicable FCRA requirements. 
XXXX. Violation of Appendix E III ( h ) TSI did not have procedures to update or delete inaccurate information. 
XXXX. Furnishing of XXXX XXXX TSI reported data that conflicted with its own documentation and failed to correct known discrepancies. 
XXXX. Misrepresentation of My Legal Rights ( MCL XXXX ( XXXX ), ( f ) ; MCL XXXX ( f ) ) TSI falsely claimed I was responsible for resolving reporting errors they created or failed to correct. 
XXXX. False Statements About Ability to Correct Reports ( MCL XXXX ( XXXX ) ; MCL XXXX ( XXXX ) ) TSI claimed it could not alter data it had furnished, misrepresenting its role. 
XXXX. Omission of Required Corrective Actions ( MCL XXXX ( XXXX ), ( f ) ; MCL XXXX ( f ) ) TSI told me and regulatory agencies it had taken all required actions, while continuing to furnish inaccurate information. 
XXXX. Failure to Prevent Ongoing Violations ( MCL XXXX ( q ) ) TSI did not implement procedures to prevent its employees from violating the law. 
XXXX. Multiple Violations of XXXX XXXXXXXX ( XXXX XXXX ( XXXX ), ( f ), ( q ) ) TSI : Made deceptive and misleading statements. 
Misrepresented legal rights and obligations. 
Failed to prevent employee violations by lacking oversight and training. 

TSIs conduct, including furnishing inaccurate information to XXXX misrepresenting the complainants legal rights, and failing to comply with investigatory obligations under the FCRA, has caused signicant harm to the complainants creditworthiness and reputation. This conduct has severely impacted the complainants housing stability, employment opportunities, and caused signicant emotional distress, particularly because the complainant was already vulnerable due to similar misconduct by other data furnishers

Company response to consumer: Closed with explanation