Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
This company has harassed me and my sister for 5 years!!!! This debt is not mine or my sisters!!! They call and harassed my sister asking for me.I tried to dispute this serval times and each time nothing it still on my credit. I dispute the validity of the debt and the actions taken by Transworld Systems , Inc. for the following reasons : Violation of FDCPA 1692e : The debt collector has engaged in practices that are misleading or deceptive, such as [ specify the misleading actions, like false claims, threats, or non-disclosure of information ]. 
Violation of FDCPA 1692g : I was not provided with proper written verification of the debt within five days of first contact, as required by law. 
Violation of FDCPA 1692c : The debt collector contacted me at inappropriate times or in violation of the restrictions I set on communication. 

2. Relief Sought : I respectfully request that Transworld Systems, Inc. provide the following documentation and actions to resolve this dispute : Verification of the debt as required under FDCPA 1692g. 
A full explanation of the nature of the debt and how it was calculated. 
Any supporting documentation proving that I am the responsible party for this debt, including any signed contracts or statements. 
Cease and desist any further attempts to collect this debt unless proper documentation is provided. 

3. Legal Basis for Dispute : I base my dispute on the following legal provisions : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 : Regulates how debt collectors can interact with consumers, ensuring they do not engage in deceptive, unfair, or abusive practices. 
Consumer Credit Protection Act ( CCPA ), 15 U.S.C. 1673 : Addresses restrictions on garnishment and improper debt collection practices. 
Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : Ensures accuracy in credit reporting, including when collections are reported. 

4. Additional Notes : Discrepancy with Credit Report : [ If applicable, mention if this debt was reported incorrectly on your credit report or if there are discrepancies. ] Communication Log : [ If applicable, mention any prior communication attempts with Transworld Systems , Inc., such as emails, letters, or phone calls. ] 5. Request for CFPB Assistance : I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure compliance with all applicable laws. I am seeking to have this dispute resolved promptly and expect that Transworld Systems , Inc. will act in accordance with the law. 

Please notify me of any progress or necessary steps to move forward in resolving this matter. 

Thank you for your prompt attention to this issue. 

Sincerely, [ Your Full Name ] [ Your Signature ( if submitting a physical letter ) ] Key Legal Codes Used : FDCPA, 15 U.S.C. 1692 : Protects consumers from abusive debt collection practices. 
FDCPA 1692g : Requires debt collectors to send written verification of the debt. 
FDCPA 1692e : Prohibits misleading and deceptive practices. 
FDCPA 1692c : Regulates when and how debt collectors can communicate with you. 
FCRA, 15 U.S.C. 1681 : Ensures that credit reporting is accurate and that any disputed debts are addressed appropriately. 

Once you have this letter prepared, you can submit it to the CFPB via their website or through mail. Be sure to keep copies for your own records.

Company response to consumer: Closed with explanation