Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
In XX/XX/XXXX, I was first contacted by phone by Transworld Systems XXXX who claimed I owed a debt related to a former ( XXXX ) apartment lease. I had never received any notice of this debt from the collector prior to the call. The only notice I received related to this account was a XX/XX/XXXX past-due notice from the management company at that time, which was addressed directly and resolved with the property owner and management company. 

Shortly after the first call, I received a XXXX  call from Transworld Systems XXXX and was instructed to dispute the debt by emailing my screenshots of emails and a written statement stating I did not owe the balance to XXXX. I submitted the requested information on XX/XX/XXXX. 

I began receiving calls from XXXX once again in XX/XX/XXXX. During XXXX of these calls, when asked if they'd received my proof/documentation, a XXXX representative XXXX me the creditor had reviewed the documentation I provided and " did not care. '' Because the debt was not appearing on my credit report at that time, I contacted the CFPB for guidance on XX/XX/XXXX and was advised to confirm whether the account was legitimate. I called Transworld Systems XXXX directly and they confirmed they had an account for me. I had still not received any written notice prior to these phone calls, despite being explicitly told ( with dates ) that multiple emails had been sent. 

On XX/XX/XXXX, I again emailed XXXX to formally request " verification of debt, '' provide an address for their files, and dispute the debt ( including additional documentation showing that I had been released from the lease by the property owner and that this was communicated to management at the time ). 

In response, Transworld Systems XXXX mailed only ( XXXX ) a generic cover letter and ( XXXX ) a basic internal ledger printout. No additional or supporting records were provided. To my understanding, this does not appear to meet FDCPA validation requirements. 

In XX/XX/XXXX, I learned the debt had been reported to XXXX  when I was nearly denied a lease due to the entry. I attempted to dispute the reporting through XXXX  online, but the system required me to call customer service. A dispute was opened on XX/XX/XXXX, and I was told I would receive follow-up within XXXX business days so I could upload supporting documents. I did not receive follow-up and the dispute was closed and marked verified without reviewing my evidence. 

I contacted XXXX  again on XX/XX/XXXX, and the same process occurred : a new dispute was opened, I was told I would be contacted within XXXX business days, and the dispute was again closed without allowing me to submit documentation. 

The debt remains on my credit report despite repeated attempts to dispute it. The collector has not provided proper validation, and the credit bureau has verified the account without reviewing available evidence. Additionally, the property owner during the billing period stated on multiple occasions she would provide proof of payment but has not responded further, and it is unclear whether the charge is being pursued on behalf of the former management company ( which no longer appears to exist ) or the owner.

Company response to consumer: Closed with explanation