Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
RE : Unlawful Lease Collection, Billing, and Credit Reporting Violations ( CA XXXX XXXX XXXX & XXXX ; FDCPA ; FCRA ) I am submitting this complaint to request the removal of a collection account inaccurately reported by Transworld Systems. This stems from a lease that I legally terminated with XXXX XXXX XXXX XXXX  XXXX ( managed by XXXX XXXX XXXX XXXX XXXX under XXXX XXXX XXXXXXXX XXXX, following a violent crime involving a firearm. 


Incident and Lease Termination On XX/XX/XXXX, I was the victim of a violent crime involving a firearm outside XXXX XXXX ( XXXX XXXX XXXX ) near my residence at XXXX XXXX XXXX in XXXX, CA. Under California law, victims of certain crimes XXXX terminate their lease early by providing documentation. 

On XX/XX/XXXX, I submitted written notice of termination by both email and certified mail, including : - A police report - A psychiatric letter from XXXX XXXX I vacated by XX/XX/XXXX, and paid all rent and utilities through the lease end date of XX/XX/XXXX. 


Violations by XXXX XXXX Despite my lawful termination, XXXX XXXX did not mail a final bill, itemized statement, or notice to the forwarding address I provided. Under CA XXXX XXXX XXXX ( g ) ( XXXX ), landlords must mail this within 21 days. XXXX ( f ) extends these rights to victims of crime who terminate early. 

I received no communication for over 200 days after vacating. The first contact came XX/XX/XXXX, via email directing me to a third-party billing portal that required my XXXX, XXXX, and tracking consent. I replied to this email and followed up with a phone call, requesting documents be mailed. No documents were mailed. 

Follow-up emails were returned undeliverable. On a recorded call XX/XX/XXXX, a billing rep confirmed seeing XXXX of these messages and dismissed the delivery error as normal. This obstructed lawful communication and violated California law. 


Violations by Transworld Systems On XX/XX/XXXX, I found a Transworld Systems collection account on my credit report. I submitted a Debt Validation Request on XX/XX/XXXX. 

Under the FDCPA ( XXXX XXXX. XXXX ( b ) ), all collection activity must pause once a written dispute is received. Instead, XXXX : - Continued reporting the debt - Unilaterally reduced the balance from {$7700.00} to {$3900.00} - Altered the reporting date - Provided no explanation or itemization for the changes On XX/XX/XXXX, I received their response : a Move-Out Statement from XXXX that XXXX : - Charges for rent and utilities beyond the legal termination date - Late fees - Full forfeiture of my deposit, in violation of XXXX ( f ) - Vague write-offs and discounts not reconciled with the balance Summary of Violations - CA Civil Code XXXX ( f ) : prohibits post-termination charges and deposit forfeiture - CA Civil Code XXXX ( g ) ( XXXX ) : requires mailing final statement within 21 days - FDCPA 15 U.S.C. 1692g ( b ) : prohibits continued collection during debt validation This collection account was created and pursued in clear violation of state tenant protections and federal debt collection law. I request that the CFPB take appropriate action and ensure this account is permanently removed.

Company response to consumer: Closed with explanation