Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13832684

Complaint Overview

Complaint ID: 13832684

Company: Transworld Systems INC

Product: Credit reporting or other personal consumer reports

Sub-Product: Credit reporting

Issue: Incorrect information on your report

Sub-Issue: Account information incorrect

State: Texas

ZIP Code: 76137

Date Received: 2025-06-01T12:00:00-05:00

Date Sent to Company: 2025-06-01T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I recently obtained a copy of my credit report and noticed inaccurate information. I have reached out to Transworld System Inc., requesting that they delete the inaccurate information on the account. Transworld System Inc respond, ed stating all information on my credit report was verified, valid, and accurate. I have now sent a correspondence listing the inaccuracy, and I demand that this account be deleted from my report immediately. Dear Sir/Madam, I am writing to formally dispute the inaccurate reporting of the account related to The XXXX at XXXX ( account number : XXXX ) under my credit report. Upon reviewing the account information, I have identified multiple discrepancies that need to be corrected. I respectfully request that the account be deleted immediately from my credit report, and all alleged late payments and inaccuracies be removed, as they are misrepresenting my credit status under the Fair Credit Reporting Act ( FCRA ). Inaccuracies Identified : XXXX. Account Status Reported as Charge-Off and " Collection/Charge-Off '' with No Payment History : The account is inaccurately reported as a Charge-Off under Transworld Systems XXXX with no detailed payment history available . The status of Charge-Off should only be applied when the account has been resolved or closed in a negative manner due to non-payment over an extended period, but no such justification for this classification has been provided. Violations Identified : o FCRA Violation : Section 1681s-2 ( b ) Duty of furnishers of information to investigate disputed information accurately. o Code : Failure to provide accurate account status and misreporting as Charge-Off when account details do not support this. 2. No History Available and Incomplete Data Reporting : The account status reflects No History Available and does not provide accurate or timely information about payment activity. The absence of data regarding this account raises concerns regarding the validity of its reporting, as it does not provide sufficient details about payment history, and the status is misleading. Violations Identified : o FCRA Violation : Section 1681i ( a ) ( 1 ) Reinvestigation of disputed information must be completed, and corrected promptly. o Code : Failure to report complete and accurate data. Incomplete history reporting. XXXX. Multiple Reporting Agencies Showing Conflicting Information : This account is reported under different collection agencies, TSI/940 and Transworld Systems Inc. , with varying reporting statuses. This inconsistency between reporting agencies leads to confusion about the true nature of the account and violates the FCRAs requirement for consistent and accurate reporting. Violations Identified : o FCRA Violation : Section 1681e ( b ) Duty to maintain accuracy and consistency of information reported across all bureaus. o Code : Failure to maintain consistent data reporting across different collection agencies. Total Violations : 6 violations Total Violations Breakdown : 2 violations related to misclassification of account status as Charge-Off under inaccurate circumstances. 2 violations related to missing or incomplete payment history that violates FCRA standards for accurate reporting. 2 violations related to inconsistent reporting between different collection agencies for the same account. Violation of FCRA : Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and timely reporting of information. The inaccuracies in this account violate the FCRA, which mandates that only accurate information be reported to credit bureaus. These violations must be corrected immediately. Statutory Damages for FCRA Violations : The FCRA allows for statutory damages of {$100.00} to {$1000.00} per violation. Given the total number of violations, I am entitled to seek damages as follows : 2 violations of misclassification as Charge-Off when the account does not meet the criteria : Potential Damages : {$200.00} to {$2000.00} 2 violations of missing or incomplete payment history : Potential Damages : {$200.00} to {$2000.00} 2 violations of inconsistent reporting across multiple agencies : Potential Damages : {$200.00} to {$2000.00} Total Potential Damages : {$600.00} to {$6000.00} Requested Action : I respectfully request the following actions : 1. Immediate deletion of the account from my credit report due to the inaccurate reporting and misclassification as a Charge-Off. 2. Immediate correction of the account status to accurately reflect the true nature of the account and remove any negative reporting under false circumstances. 3. Ensure consistent reporting across all credit bureaus and collection agencies to reflect accurate account status and history. 4. Provide a corrected report with all accurate information, including clear, verifiable payment history, if applicable. Please conduct a thorough investigation of these discrepancies and correct them immediately. I request a written response detailing the actions taken within 30 days, as required by the FCRA. Notice of Legal Action : If these issues are not resolved promptly, I will pursue legal action under the FCRA for the violations identified, including seeking damages of {$600.00} to {$6000.00} for the 6 violations identified above. I am entitled to these damages as part of the statutory remedies available to me under the FCRA, and I am prepared to pursue this course of action if the errors are not rectified. Thank you for your immediate attention to this matter. I look forward to your prompt resolution. Sincerely, XXXX XXXX SS # : XXXX

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