Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year> Transworld Systems INC XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PA XXXX Re : Debt Validation & Ownership Challenge Account Name : XXXX XXXX To Whom It May Concern : This letter serves as my formal request for full validation and an ownership challenge of the alleged debt you claim I owe, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ). I also invoke my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2 ( b ) if this debt is being reported to any consumer reporting agency. 

Please note, I am not admitting to owing this debt and am disputing it in full. I demand the following documentation to prove your legal right to collect and/or report this debt : REQUIRED VALIDATION DOCUMENTS : 1. Complete Chain of Assignment Provide a copy of every legal transfer or assignment of the alleged debt from the original creditor to each subsequent party, down to your company. 
Each document must include the date of transfer, amount sold, account number, and name of the transferring and receiving party. 
2. Original Creditor Contract Provide a copy of the original signed agreement between myself and the original creditor, showing the terms of the debt, my signature, and any arbitration clauses or default terms.

3. Authorization from Trust or Securitized Entity If the debt was ever securitized or placed in a trust, provide proof of permission to collect or assign the debt from the entity that currently owns the trust or securitization pool. 
Any transfer of a securitized account without trust authorization constitutes a broken chain of title. 
4. Debt Itemization Full breakdown of the alleged amount owed, including principal, interest, fees, and payments.

5. Proof You Are Legally Permitted to Collect in My State Include your companys current debt collection license ( if required in my state ), including your registered address and collection bond.

6. Notice of Rights Include a copy of the XXXX notice originally provided, as required under FDCPA.

Additionally, I am currently classified as judgment-proof, as my income consists entirely of protected government assistance ( SNAP/EBT ). I have no attachable wages or garnishable assets. Therefore, any further collection attempts or legal threats are not only inappropriate but would also constitute harassment and unfair practices under the FDCPA and applicable state law. 

Until you provide the full documentation listed above, I request that you : Cease all collection activity on this account Cease any communication via phone, email, or mail Do not sell, assign, or transfer the alleged account to any other party Do not reinsert or report this account to any credit reporting agency, or you will be in violation of 15 U.S. Code 1681i ( a ) ( 5 ) Failure to comply with this request may result in legal action being taken, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the Illinois Attorney Generals Office, and pursuing civil remedies under applicable state and federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation