TRANSWORLD SYSTEMS INC

2019-10-04

CT

Written notification about debt

Debt collection: Other debt

Notification didn't disclose it was an attempt to collect a debt
Complaint: I discovered two colllections for XXXX XXXX for service to a Rhode Island building that had burned down on XX/XX/2015. Service and billing was extended long past the date of fire despite service being disabled by Fire Department ( building was completely consumed ). In addition bills were sent to an address to Texas where I never lived. I negotiated with XXXX XXXX pay for deletion which they referred to Transworld Systems who responded in agreement, and I made my payment, but it is several months after payment and many letters later, and Transworld Systems still will not delete the collections despite the billing errors and written agreements and follow up letters requesting the deletion be honored and the billing error.
Company Response: Closed with explanation

Timely Response

2019-10-02

Okc, OK

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2019-10-02

Boloxi, MS

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened to sue you for very old debt
Company Response: Closed with explanation

Timely Response

2019-10-02

Harsens Is, MI

Took or threatened to take negative or legal action

Debt collection: Federal student loan debt

Sued you without properly notifying you of lawsuit
Company Response: Closed with explanation

Timely Response

2019-10-02

NY

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Complaint: I have a debt through this company in the amount of {$770.00} from XXXX XXXX from 2014. I dont recall ever going to a physician called XXXX and if I did, I had insurance that covered everything. This debt has not been validated even with multiples letters being sent to the collection agency.
Company Response: Closed with explanation

Timely Response

2019-10-02

Okc, OK

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Old information reappears or never goes away
Company Response: Closed with explanation

Timely Response

2019-10-02

Wesley Chapel, FL

Took or threatened to take negative or legal action

Debt collection: Medical debt

Threatened or suggested your credit would be damaged
Company Response: Closed with explanation

Timely Response

2019-10-01

Blackbird, DE

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: XXXX XXXX XXXX. Got a divorce. Called the company before I moved out of my old home and had it takes out of my name in XX/XX/2014. Apparently they didn't and trying to make me pay for electric when I didn't live at the residence. They said they would.
Company Response: Closed with explanation

Timely Response

2019-10-01

Cotulla, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-10-01

CA

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Complaint: Doctors office staff said they were a member of my medical insurance, copied my insurance card then said that they were not in my insurance plan and is trying to collect for service.
Company Response: Closed with explanation

Timely Response

2019-10-01

San Diego, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: NCC Business Services # XXXX belonged to my ex-boyfriend. I filed a domestic XXXX case and was able to break the lease without having to pay anything. I had a restraining order filed against him and only lived there for 6 days. This should not be on my credit, it was not my lease and the responsibility is not mine.
Company Response: Closed with explanation

Timely Response

2019-10-01

Arvada, CO

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: We have a collections on our credit report due to an eviction case that had been dismissed. although the case was dismissed and the attorneys for XXXX XXXX at XXXX ; agreed during mediation not to put anything on our credit reports. However they did and it has been difficult to find housing because of this collections on our credit report, and listed as " XXXX ''. We contacted NCC by email as they are the collection representatives for XXXX XXXX at XXXX. I have enclosed the emails to which I asked for itemized listing of debt, then attempt to settle the debt. I called XXXX XXXX XXXX ( XXXX ) to speak to a representative on XX/XX/XXXX as I was fighting identity theft. I contacted the XXXX office to get proof of residency and to discuss the debt. I left a voice message I never received a call back. enclosed are attachments that will give more detail.
Company Response: Closed with explanation

Timely Response

2019-09-27

Little Rock, AR

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Complaint: The same collection agency with a new name is trying to collect on an unfair debt! Pages from the original debtors which includes a lease agreement has been removed and the amounts have been abnormally inflated. XXXX XXXX is where the unrealistic amounts originated, then sold to NCC ( debt collections agency that called me multiple times daily ). The same company ( NCC ) has sold the debt to itself by adding it to their new name Transworld collections. The debt is still unknown, unfair, unauthorized, unverifiable and non-validated. I have proof of the original amounts that would have been charged if the debt was valid. The company removed the paper from my file ; but I kept mine and the proof will show below along with emails, dates that prove unfair late fees and trumped up charges have occurred.
Company Response: Closed with explanation

Timely Response

2019-09-27

N Tarrytown, NY

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-09-26

Oxford, GA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Company Response: Closed with explanation

Timely Response

2019-09-25

Wesley Chapel, FL

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2019-09-25

Lk Buena Vis, FL

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-09-24

Wesley Chapel, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: transworld systems inc. is trying to collect a debt that is not mine, not owed and is inaccurate.
Company Response: Closed with explanation

Timely Response

2019-09-24

Jupiter, FL

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: On XX/XX/2019, NCC Business Services charged my account {$440.00}. I did not authorize this, nor have I ever had an account with them. I called to speak with them today, they informed me there was no way to look up the charge since they were unable to locate an account in my name & then hung up on me.
Company Response: Closed with explanation

Timely Response

2019-09-23

Brooklyn, NY

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation

Timely Response

2019-09-22

Irvine, CA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-09-22

Queens, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: XX/XX/2019 Transworld Systems INC XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX RE : VALIDATION OF ACCOUNT Account # : XXXX To Whom It May Concern, I neither affirm, nor deny this purported debt. You claim I owe your company {$430.00} This letter is being sent to you in response to an entry made on my Credit Report dated [ date ]. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 4. What was the original date of delinquency for this account? 5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 6. What did you pay for this account, and how did you calculate the current amount owed? I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. In addition, the Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed. I have sent a copy of this request for validation to the three national Credit Reporting Agencies to begin their 30-day investigational process concurrent with your investigation. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Company Response: Closed with explanation

Timely Response

2019-09-22

Phoenix, AZ

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Company Response: Closed with explanation

Timely Response

2019-09-22

Lowell, AR

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Old information reappears or never goes away
Complaint: FEDERAL STUDENT LOAN ILLINOIS STUDENT ASSISTANCE COMMISSION, SS NOXXXX IS FALSELY REPORTING AN ACCUNT DELETE FROM ALL BUREAUS, BECAUSE S.O.L. EXPIRED IN XX/XX/XXXX, AND NOW RE-APPREARED AND SOLD TO TRANSWORLD SYSTEMS ON XX/XX/XXXX, NEW ACCOUNT NO.XXXX.ANY COLLECTIONS ON DISCHARGED DEBT BK XXXX, DISCHARGED XX/XX/XXXX. WE ARE CURRENTLY IN BAD FAITH LTIGATION WITH THEIR ATTORNEYS OFFICES GOING NO WHERE.
Company Response: Closed with explanation

Timely Response

2019-09-20

Liverpool, TX

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: I discovered a negative mark ( rental history collection in the amount of {$3100.00} ) on my credit score as inaccurate because I satisfied the requests by then XXXX XXXX XXXX. I was asked to provide a 60-day notice ( to be notarized by a state certified individual ) and pay a reletting fee equal to XX/XX/XXXX rent due in order to relocate for work and school. I requested XXXX, leasing agent from XXXX XXXX XXXX XXXX, to confirm the original collections agency the alleged debt was sent to. She confirmed collection was sent to XXXX XXXX XXXX XXXX ( phone number XXXX XXXX ) XX/XX/XXXX. I reached out to XXXX XXXX to verify the information provided to me and a representative confirmed the alleged debt and information related to my file was never received. I followed up with NCC Business Services ( the reported agency reflected on my report ) to verify they received the collection as reflected on my credit report. I spoke with a representative who alleged the debt was received between XX/XX/XXXX and XX/XX/XXXX, no specific date provided. I requested NCC Business Services provide all documents pertaining to my file ( invoice, breakdown of costs/fees incurred, proof of receipt of reletting fee paid, copy of lease agreement and copy of 60-day notice ) via email by XX/XX/XXXX and never received the requested documents. Because of their unresponsiveness and inability to provide the documents needed to dispute the alleged debt to the major credit bureaus, I am filing a complaint to the CFPB to mediate the removal of this item from my XXXX credit report in order to accurately reflect my true credit history.
Company Response: Closed with explanation

Timely Response