Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
This letter is a formal request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and a Cease and Desist notice under 15 U.S.C. 1692c ( c ). I am disputing the accuracy, validity, and legality of a collection account your office is attempting to collect or has reported to one or more credit bureaus related to a telecommunications service provider, such as XXXX, XXXX, or XXXX XXXX XXXX XXXX 

I do not acknowledge any responsibility or liability for the alleged debt and I am asserting my rights under federal law to request full and proper validation. You are now required to suspend all collection activity, including reporting to credit reporting agencies, until validation is provided. 

Please provide the following documentation : XXXX. A copy of the original contract or service agreement with the telecom provider ( e.g., XXXX ), showing my signature or digital consent to the terms. 


XXXX. A complete itemized account history, including dates of service, charges, late fees, device balances, and any early termination fees. 


XXXX. Documentation proving that Transworld Systems Inc. has legal authority to collect this debt, including proof of assignment or transfer from the original creditor. 


XXXX. The name and contact information of the original creditor, and the date of default or last payment. 


XXXX. Confirmation that this debt is within the legal statute of limitations for both collection and reporting in the state of Pennsylvania. 


XXXX. A copy of your companys license or registration to collect debts in Pennsylvania. 

Until such information is provided, you are prohibited under federal law from continuing to pursue this alleged debt, as outlined in : FDCPA 1692g ( b ) requiring cessation of collection pending validation FDCPA 1692e ( 8 ) prohibiting false or misleading credit reporting of disputed debts FCRA 1681s-2 ( b ) mandating reasonable investigation of disputed accounts FCC Truth-in-Billing Guidelines ( 47 CFR 64.2401 ) regulating accuracy in telecommunications billing Additionally, under FDCPA 1692c ( c ), I hereby demand that you cease and desist all contact with me regarding this debt, other than to provide the requested validation or to notify me that collection efforts have been terminated. 

If you can not provide the full validation as required, I request that you : Immediately delete any credit reporting related to this alleged debt Send me written confirmation that the account is permanently closed Confirm the debt will not be reassigned, sold, or re-reported in the future Any continued collection or credit reporting without full and proper validation will be treated as a violation of my consumer rights, and I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Pennsylvania Attorney Generals Office. 

Thank you for your cooperation.

Company response to consumer: Closed with explanation