Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #15444835
Complaint Overview
Complaint ID: 15444835
Company: Transworld Systems INC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Virginia
ZIP Code: 22407
Date Received: 2025-08-21T12:00:00-05:00
Date Sent to Company: 2025-08-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Transworld Systems XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX Subject : Request for Debt Validation ( FDCPA 1692g ) Dear Transworld Systems, I am writing in response to your communication regarding the above-referenced account. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and request that you validate this alleged debt. Please provide the following : Verification of the amount owed, including an itemized breakdown of principal, interest, fees, and charges. The name and address of the original creditor. A copy of the written contract or agreement bearing my signature. Documentation showing you are licensed to collect debts in my state ( if applicable ). Proof that your agency is authorized to collect this debt ( i.e. assignment or ownership documentation ). I dispute the validity of the debt and request that you cease all collection activity, including phone calls, letters, or credit bureau reporting, until you have provided the documentation requested. Please respond within 30 days of receipt of this letter. If you do not provide proper validation, you must terminate all collection efforts and mark any associated credit record as disputed by consumer Thank you for your prompt attention. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #15444835 about?
Complaint #15444835 was filed against Transworld Systems INC regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-08-21T12:00:00-05:00.
How did Transworld Systems INC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Transworld Systems INC?
Yes, visit the Transworld Systems INC company profile at readthecomplaint.com/company/transworld-systems-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.