Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
On XX/XX/XXXX I cancelled my XXXX XXXX cable and internet account due to some issues with my service and having a better response from their competitor XXXX. ( See attached bill from XXXX to confirm my subscription start date ). 
I had to call XXXX  to cancel my subscription, at this time there was no way to cancel online or via email, so you call customer service, get placed on hold multiple times and have to listen to sales pitch about bundling and savings etc... I stated did not want, and thought everything was closed out from there. I have been a customer of XXXX since then, and am in good standing with no late payments, and have transferred my services through multiple moves. 

I was unaware that I had a collection from XXXX  until fall of XXXX when I was in the processes of closing on my mortgage. In the time from when I was approved to when I was closing a TSI ( transworld systems ) collection showed up on my credit report. My mortgage lender was the one to notify me that this collection would increase my mortgage payment by {$1000.00} per month and that it would be in my best interest to work with TSI to ask them to arrange a payment in exchange for deletion. There were multiple phone calls made, and at this critical time I didn't care, {$200.00} was nothing in the grand scheme of buying a home, I needed it gone, I had no time to ask for details or investigate with only 4 days to close. Well, I did not succeed, my loan hiked up an astronomical {$12000.00} more a year due to a new flaw in my report. I have been spending the better part of the year working with credit repair specialists trying to have this wiped from my report. I had no luck working with TSI, they have told me numerous times to reach out to XXXX, but when I reach out to XXXX, they don't have any pull as I have not been a customer for 7 years and don't have an account, that I should communicate with the company that owns the collection account. 
At this point I wish I had disputed the original charges, it could have been that XXXX did not deactivate upon my verbal request, it could have been a new tenant used my account or that they cancelled the wrong account and charged me for another. I'm not really sure at this point where I can work to report this fraud when both parties point me to the other. 
In addition, the original collection is coming up on 7 years, however my mortgage lender has informed me that they look at the year the collector reported the account, so in actuality I would have to wait another 7 years regardless of original date for this collection to be removed on its own. I regret to this day purchasing a home not knowing that this would be impacting me so deeply all these months later. 

I'm attaching a copy of my first XXXX billing statement as well as two other subsequent bills to show I have used their services at my last two addresses and should not have any delinquent accounts with XXXX XXXX during this time ( XX/XX/XXXX to XX/XX/XXXX )

Company response to consumer: Closed with explanation