Debt collection -- Written notification about debt -- Complaint #17893171
Complaint Overview
Complaint ID: 17893171
Company: Transworld Systems INC
Product: Debt collection
Sub-Product: Telecommunications debt
Issue: Written notification about debt
Sub-Issue: Didn't receive notice of right to dispute
State: Tennessee
ZIP Code: 37174
Date Received: 2025-11-24T12:00:00-05:00
Date Sent to Company: 2025-11-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
A {$590.00} XXXX collection account suddenly appeared on my credit report. I never received any written notice, validation letter, or communication about this debt. The collection agency ( Transworld Systems I ) used an incorrect mailing address and email, so I was never notified and was never given my legally required 30-day right to dispute the debt. I only discovered the debt through my credit report. When I called the collection agency, they told me there is an additional {$970.00} XXXX debt that they claim I owe, but this second debt has never been reported, and I was never notified about it either. I have received no written communication or validation for either amount. Reporting one debt without notice and withholding information about another alleged debt is misleading and violates the FDCPAs notice requirements. Additionally, the {$590.00} account is being reported with a recent date opened, even though the alleged date of first delinquency is from 2020. This may constitute inaccurate reporting or re-aging under the FCRA. I am requesting a full investigation, validation of both alleged debts, proof of the correct DOFD, and removal of any information that is inaccurate, unverifiable, or improperly reported.
Frequently Asked Questions
What is Complaint #17893171 about?
Complaint #17893171 was filed against Transworld Systems INC regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2025-11-24T12:00:00-05:00.
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 (Debt collection) 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.