Debt collection -- Attempts to collect debt not owed -- Complaint #17904849
Complaint Overview
Complaint ID: 17904849
Company: Transworld Systems INC
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Washington
ZIP Code: 98122
Date Received: 2025-11-25T12:00:00-05:00
Date Sent to Company: 2025-11-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern, I am filing a complaint against Transworld Systems Inc and XXXX for violating the Fair Credit Reporting Act ( FCRA ) by illegally re-inserting a previously deleted collection account without providing the legally required reinsertion notice or proper verification. This XXXXTransworld account XXXX Acct ending * XXXX, {$990.00} ) was removed previously under a different collection agency, confirming it could not be verified. Despite this, XXXX and Transworld reinserted the exact same account under a new furnisher ( Transworld Systems ) without : 1. Providing the mandatory FCRA 611 ( a ) ( 5 ) ( B ) reinsertion notice within 5 business days 2. Providing a valid Method of Verification ( MOV ) 3. Submitting any documentation proving a new investigation 4. Demonstrating permissible purpose for reinsertion 5. Confirming chain of assignment since the debt has changed hands Each time I dispute, Transworld uploads the same XXXX bill, which does not meet FCRA verification standards and does not prove ownership, assignment, or accuracy. A simple billing statement is not verification under the FCRA, as it does not establish : Legal standing Complete account history Assignment documentation Itemization of charges Proof the debt is mine XXXX continues to mark this item as verified while ignoring the reinsertion violation. This is a direct breach of : FCRA 611 ( a ) ( 1 ) Failure to conduct a reasonable investigation FCRA 611 ( a ) ( 5 ) ( B ) Illegal reinsertion without notice FCRA 607 ( b ) Failure to maintain maximum possible accuracy I am requesting CFPB intervention to require : 1. Immediate removal of the account from all bureaus 2. Documentation of how verification was performed 3. Proof that the furnisher has legal standing 4. Confirmation of reinsertion procedures 5. Review for civil liability due to repeated violations This inaccurate and illegally reinserted account is causing ongoing harm. I request full enforcement action. Thank you for your attention.
Frequently Asked Questions
What is Complaint #17904849 about?
Complaint #17904849 was filed against Transworld Systems INC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-11-25T12:00:00-05:00.
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.