Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I am filing a complaint against Transworld Systems Inc. for attempting to collect and report a debt that they can not validate. I disputed this account and was told by their representative that they can not provide documentation and that I must contact another party. Despite this, they continue reporting and collection activity. The account is tied to an address I do not recognize and may be the result of inaccurate reporting or identity-related error. Below is my formal second notice after their failure to validate : I never received a XXXX as required by FDCPA law. I checked my credit and found a new " open '' account from " original creditor '' Transworld systems. I disputed it that I was unaware of the debt. They told credit bureaus it was a valid debt. I called the company on XX/XX/26 they told me they can not provide any documents. I told them I never signed a contract with them ; my report has them as the original creditor. She said I can not dispute and need to reach out to the original creditor for any contract, even though they are reporting this as an open and active account on my credit with them as the original creditor. I filed another formal dispute requesting the documents. To Whom It May Concern, I am writing to formally dispute the above-referenced account in its entirety. I have no knowledge of this alleged debt and do not recognize the account, the underlying obligation, or the address associated with it. The documentation previously provideda utility bill bearing my nameis insufficient to establish that I opened, authorized, or am legally responsible for this account. I have never resided at or been associated with the address tied to this alleged obligation. This matter raises serious concerns of inaccurate reporting, mixed file, or identity-related error. Despite my dispute, your office has continued collection efforts and credit reporting. During a recent phone call, your representative explicitly stated that your company is unable to provide documentation and directed me to contact the original creditor. This response is unacceptable. If you are reporting this account to consumer reporting agencies and attempting to collect, you are required to possess and provide competent evidence substantiating the debt. Accordingly, I demand the following : 1. Full validation of the alleged debt, including : - The name and address of the true original creditor - A complete itemization of the amount claimed - Documentation demonstrating I opened or authorized the account - Proof of your legal authority to collect or report this debt 2. Copies of any application, agreement, service contract, or records linking me to this account. 3. Documentation establishing that the address associated with this account is attributable to me. Be advised : - A billing statement alone does not constitute sufficient validation. - Continued collection activity and/or credit reporting without proper validation is disputed and may constitute violations of applicable consumer protection laws, including the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. If you are unable to provide the requested validation, you must : - Immediately cease all collection activity - Immediately request deletion of this account from all consumer reporting agencies Additionally, I am formally disputing the accuracy of this account with all credit reporting agencies. Any continued reporting of unverifiable or inaccurate information will be documented. This letter also serves as notice that I am prepared to file and/or have filed complaints with appropriate regulatory authorities, including the Consumer Financial Protection Bureau and the New York State Attorney General. I request that all future communication be conducted in writing. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation