Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Subject : Complaint Inaccurate and/or outdated negative items on my XXXX credit report ; request for investigation and correction Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint about multiple inaccurate and/or improperly reported negative entries that appear on my XXXX credit report ( Report Date : XX/XX/XXXX, Confirmation # XXXX ). I request the CFPBs assistance in investigating these furnishers and XXXX, and ensuring that incorrect and/or timebarred negative information is corrected or removed. 

Summary of the issue : I reviewed my XXXX  credit report dated XX/XX/XXXX ( a copy is attached ). The report lists multiple collection and chargeoff accounts that appear to be inaccurate, incomplete, or otherwise improperly reported. I have included representative examples below with the relevant report entries cited from my XXXX file : Representative disputed entries ( from the XXXX report ) : Transworld Systems , Inc. Collection amount {$280.00}, Original creditor : XXXX XXXX  XXXX XXXX XXXX Reported XX/XX/XXXX. Date of first delinquency listed as XX/XX/XXXX and status listed as unpaid. 

XXXX XXXX XXXX XXXX XXXX amount {$190.00}, Original creditor : XXXX. Reported XX/XX/XXXX. Date of first delinquency listed as XX/XX/XXXX and status unpaid. 

XXXX XXXXXXXXXXXX XXXX  Collection amount {$220.00}, Original creditor : XXXX XXXX. Assigned XX/XX/XXXX ; collection reported XX/XX/XXXX. 

XXXX Why I believe this information is inaccurate or unlawful : Some collection dates and reporting periods may be outside the permissible reporting window for negative information under the FCRA ( seven years from the date of first delinquency to the original creditor ), or otherwise inconsistent with my records. The Transworld entry appears to reference a first delinquency dated XX/XX/XXXX but was reported in XXXX please verify the original creditor delinquency date and that the collector is accurately reporting within FCRA limits. 

XXXX The account histories show inconsistent or incomplete information ( e.g., missing proof of assignment, discrepancies between date of last payment and date reported ), which makes it impossible for me to verify the accuracy of these entries from the report alone. 

XXXX A similar item was removed from my XXXX report as inaccurate ( my consumer statement in the XXXX report references removals on XXXX ), which suggests potential furnishers errors being inconsistently corrected across bureaus. 

XXXX What I request the CFPB to do : Request XXXX and the named furnishers ( Transworld Systems, XXXX XXXX XXXX, XXXX, and any other collectors listed ) to produce full verification and documentation that supports each negative entry including the original creditors account number, the date of first delinquency to the original creditor, chain of assignment ( if sold/transferred ), and proof the furnisher is authorized to report this information. ( See the XXXX report for exact entries and dates attached. ) XXXX XXXX XXXX XXXX If the furnishers can not verify the accuracy of the data ( or the data are outside the permissible reporting period ), require XXXX to remove those inaccurate or timebarred negative items from my credit report and provide me with a corrected copy of the report. 

Confirm that any corrections or deletions are made across all nationwide consumer reporting agencies if the same inaccurate data exist elsewhere. 

Provide me with information on any enforcement action taken or the outcome of your investigation. 

Documents I am attaching : Copy of my XXXX Credit Report ( Report Date : XX/XX/XXXX ). 

XXXX XXXX statement included in the XXXX  report ( shows prior dispute/removal on XXXX  ) . 

XXXX Outcome I want : removal or correction of inaccurate and/or timebarred negative items and a confirmation that corrected information has been communicated to all nationwide consumer reporting agencies. 

Please let me know if you need any additional documents or details. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation