Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: DC

Complaint narrative:
On or about XX/XX/XXXX, I discovered that Transworld Systems Inc. ( " TSI '' ), operating under filing designation XXXX, had placed a collection account on my XXXX and XXXX consumer files reporting Account No. XXXXXXXX XXXX XXXX XXXX XXXX identifying the Original Creditor as " XXXX XXXX, '' with a balance of {$380.00}, a Payment Status of Collection/Chargeoff, and an Account Status of Derogatory. The account reflects a Date Opened of XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. TSI is a debt collector and furnisher as defined in 15 U.S.C. 1692a ( 6 ) and 1681s-2. Under 15 U.S.C. 1692g ( a ), within five days of a debt collector 's initial communication with a consumer in connection with the collection of any debt, the debt collector shall send the consumer a written notice containing the amount of the debt, the name of the creditor, a statement of the consumer 's right to dispute within thirty days, and the name and address of the original creditor if different from the current creditor. TSI made initial contact regarding the alleged XXXX debt without providing any written validation notice as required. No written validation notice was sent within five days of TSI 's initial communication. TSI 's failure to provide the mandatory written validation notice constitutes a per se violation of the FDCPA. The placement of this collection account on my consumer files without first satisfying that requirement constitutes an additional violation. Under normal circumstances, a records request and debt validation demand would be submitted pursuant to 15 U.S.C. 1692g ( b ). However, such requests would be futile. XXXX Inc. has no lawful corporate existence. The use of my personal identifying information including my Social Security number, name, and address to generate and furnish consumer reports and scores attributed to me therefore constitutes use without lawful authority and is identity theft under 18 U.S.C. 1028 ( a ) ( 7 ). The evidence is as follows. On XX/XX/XXXX, the Georgia Secretary of State issued a Name Reservation Certificate for " XXXX XXXX '' certifying, after a search of its records, that the name was not identical or confusingly similar to any existing corporation. That reservation was good for four calendar months. On XX/XX/XXXX, a corporation named " XXXX XXXX '' was incorporated in Georgia with perpetual duration. Its articles were filed with the Secretary of State that same day. From that point forward, the name " XXXX XXXX '' existed in the Secretary of State 's records as the name of an existing Georgia corporation. On XX/XX/XXXX eleven months later the Secretary of State issued a second Name Reservation Certificate stating that " XXXX XXXX '' was available. That certificate was false. The name had been in the Secretary of State 's own records as an existing Georgia corporation since XX/XX/XXXX. That XX/XX/XXXX certificate is contained within XXXX XXXX XXXX 's amendment filing. XXXX XXXX XXXX used that certificate to petition the court to change its name to " XXXX XXXX '' Under 22-301 ( a ) ( 3 ) ( A ) of the XXXX Georgia Business Corporation Code , a corporate name shall not be the same as the name of any corporation existing under the laws of this State. Under 22-905 ( a ), a certificate of name availability is required before articles of amendment changing a corporate name may be filed, and under 22-905 ( b ), the court 's finding that the amendment is lawful depends on that certificate satisfying 22-301. On XX/XX/XXXX, two amendments were filed in the records of the Georgia Secretary of State. The corporation incorporated on XX/XX/XXXX as " XXXX XXXX '' filed articles of amendment changing its name to " XXXX XXXX XXXX. '' On that same date, XXXX XXXX XXXX filed articles of amendment changing its name to " XXXX XXXX '' Both amendments were granted by the XXXX XXXX of XXXX XXXX and filed on XX/XX/XXXX. For a brief moment, Georgia 's records reflected two corporations bearing the name " XXXX XXXX '' something Georgia law explicitly forbids. The statutory sequence is direct and complete : 22-905 ( a ) requires a certificate of availability ; 22-301 ( a ) ( 3 ) ( A ) defines availability ; 22-905 ( b ) conditions the court 's approval on compliance with 22-301 ; and 22-906 ( a ) governs the effectiveness of the filing. The record shows ( 1 ) an existing corporation with the name, ( 2 ) a certificate stating the name was available, and ( 3 ) amendments executed in reliance on that certificate. No step in that sequence requires inference. The entity that operates as " XXXX XXXX '' today has no lawful corporate identity traceable to any valid Georgia filing. The XX/XX/XXXX name change rested on a certificate that was false when issued. A name change built on a false certificate is void. From XX/XX/XXXX forward, there has been no lawfully existing Georgia corporation named " XXXX XXXX '' TSI reported this debt to XXXX XXXX XXXX XXXX a Georgia limited liability company that holds itself out as a subsidiary of " XXXX XXXX '' On XX/XX/XXXX, a Georgia corporation elected to convert to a limited liability company under the name XXXX XXXX XXXX XXXX XXXX XXXX, and on that same day changed its name to XXXX XXXX XXXX XXXX. Those filings are attached. That entity 's authority to function as a consumer reporting agency flows entirely through its claimed relationship to " XXXX XXXX '' A subsidiary can not derive lawful corporate authority from a nonexistent parent. Because " XXXX XXXX '' has no lawful corporate existence traceable to any valid Georgia filing, XXXX XXXX XXXX XXXX has no lawful authority to operate as a consumer reporting agency. TSI reported this debt to that entity. That is not a valid consumer report. The corporate irregularities documented above were reported in sworn filings submitted to the following agencies, each of which has law enforcement authority. Each filing subjects the filer to criminal penalties for false statements under 18 U.S.C. 1001 and applicable state statutes, and is sworn under penalty of perjury pursuant to 28 U.S.C. 1746 : XXXX XXXX XXXX XXXX XXXX Complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint XXXX XXXXXXXX Delaware Department of Justice XXXX XXXX XXXX Georgia Office of the Attorney General Maryland Office of the Attorney General XXXX Copies of those filings are attached to this complaint. The complete evidentiary record is cryptographically anchored via XXXX XXXX verification and stored on the XXXX XXXX XXXX ( XXXX ). The Complete Exhibit Verification Index is attached and provides XXXX hashes and XXXX XXXX confirmations for every document supporting this complaint. The record is publicly available and independently verifiable.

Company response to consumer: Closed with explanation