Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Request for Proof of Ownership, Authority to Collect, and Refund Transworld Systems Account To Whom It May Concern, This complaint concerns a collection account reported and previously collected by Transworld Systems , Inc. in connection with an alleged obligation attributed to XXXX XXXX XXXX University. A payment of {$200.00} was previously made to Transworld Systems under the belief that the company had lawful authority to collect the alleged debt. After reviewing applicable consumer protection laws, I am requesting verification of Transworld Systems legal authority to collect and report this account. Under federal law, a company attempting to collect a debt must possess competent evidence demonstrating ownership of the debt or lawful authority to collect it. Courts have consistently held that collectors must be able to prove a valid chain of title and their standing to collect. See : XXXX v. Portfolio Recovery Associates , LLC, 2013 WL 4511476 ( E.D.N.Y. 2013 ), requiring debt buyers to demonstrate a complete chain of assignment to establish standing. Midland Funding, LLC vXXXX XXXX, 2016 WL 704682 ( Ohio Ct. App. 2016 ), holding that collectors must provide competent evidence of ownership and assignment of the specific account. Accordingly, I request that Transworld Systems provide the following documentation : The contract or agreement between Transworld Systems and XXXXXXXX XXXX XXXX University authorizing Transworld Systems to collect this alleged debt. Any contract of assignment, placement agreement, or servicing agreement establishing Transworld Systems authority to collect. The complete chain of title or placement documentation for the account. The bill of sale or purchase agreement/forward flow agreement identifying the specific account, including documentation that references my account specifically. Documentation demonstrating authority to furnish information to consumer reporting agencies. A complete accounting ledger showing how the alleged balance was calculated. A generic bill of sale that does not identify the consumer or the specific account is insufficient to establish ownership or authority. If Transworld Systems can not produce the requested documentation, the company must : Refund the {$200.00} collected, as the payment was made without proof of lawful authority to collect ; and Request deletion of the tradeline from all consumer reporting agencies to prevent continued reporting of an account for which ownership or authority can not be demonstrated. I reserve all rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including the right to pursue further legal remedies if Transworld Systems fails to substantiate its authority to collect and report this alleged debt. Please provide the requested documentation or confirmation of refund and deletion within 15 days.

Company response to consumer: Closed with explanation