Consumer complaint received 2024-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
XX/XX/XXXX Transworld Systems , Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX Washington, PA XXXX To Whom It XXXX Concern, Re : Disputed Collection Account for XXXX XXXX XXXX XXXX, Account Number :, XXXX XXXX Number : I am writing to you as a follow-up to my previous dispute regarding the above-referenced debt, which has been inaccurately reported on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute this debt and request that it be verified. This letter serves as a formal demand for the immediate removal of this collection item from my credit report, as you have failed to provide adequate verification as required by law. 

On XX/XX/XXXX, I contacted Transworld Systems via phone and spoke with a representative to dispute the validity of the aforementioned debt. I specifically requested detailed verification of the debt, including evidence of my obligation to pay, such as the contract bearing my signature, and documentation showing the date the account was opened and how I allegedly incurred this debt. In response, you provided only a statement from a billing cycle of XX/XX/XXXX, which fails to meet the burden of proof required by the FDCPA. This statement does not include applications, my signature, or information regarding when the account was opened in my name. 

Furthermore, the address associated with this account is one where I have not resided for over XXXX years. This raises significant concerns about the accuracy of your records and the legitimacy of the debt in question. 

In XXXX, I was verbally offered a 30 % settlement by XXXX XXXX, yet I received no written confirmation of this offer. Instead, the debt was transferred to your agency, which has since failed to provide the necessary documentation to verify the debt 's validity. 

Given these circumstances, I demand the following actions be taken immediately : Provide comprehensive documentation that verifies the debt, including a contract or agreement signed by me and detailed account statements showing the creation and calculation of the alleged debt. 
Remove the collection account from my credit report with all three major credit reporting agencies ( XXXX, XXXX, and XXXX ) immediately, as per the FCRA 's stipulations regarding the reporting of unverified debts. 
Cease all collection attempts and communication regarding this unverified debt. 
Should you fail to comply with these requests, I am prepared to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal remedies through XXXX XXXX XXXX, including seeking statutory damages, actual damages, and attorneys fees for violations of the FDCPA and FCRA. 

I expect a response to this letter within 15 days, confirming the removal of the disputed debt from my credit report and cessation of all collection attempts. 

Sincerely,

Company response to consumer: Closed with explanation