Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #17965104
Complaint Overview
Complaint ID: 17965104
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: District of Columbia
ZIP Code: 20002
Date Received: 2025-11-29T12:00:00-05:00
Date Sent to Company: 2025-11-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XXXX i've noticed and I am requesting CFPB enforcement action because both Transworld Systems Inc and XXXX XXXX XXXX XXXX are furnishing unverified, unvalidated, and legally deficient collection accounts in violation of the Fair Credit Reporting Act and FDCPA. Neither company provided required validation under FDCPA 809 ( b ), nor did they provide any documentation requested under FCRA 609 ( a ) ( 1 ) ( A ). Reporting unverified debt is a direct violation of FCRA 623 ( a ) ( 1 ) and FCRA 602A, and both collectors are supplying the credit bureaus with information they can not verify. This appears to be part of a systematic pattern of illegal debt reporting and noncompliance.
Frequently Asked Questions
What is Complaint #17965104 about?
Complaint #17965104 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 2025-11-29T12:00:00-05:00.
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.