Debt collection -- Attempts to collect debt not owed -- Complaint #18970384
Complaint Overview
Complaint ID: 18970384
Company: Transworld Systems INC
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: Indiana
ZIP Code: 46220
Date Received: 2026-01-23T12:00:00-05:00
Date Sent to Company: 2026-01-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Upon careful review, these inquiries are : 1. Inaccurate and unverifiable No permissible purpose or signed authorization exists that legally justifies these inquiries. 2. Reported in violation of FCRA 604 ( a ) ( 3 ) These inquiries were not initiated by me and were made without a legitimate permissible purpose as defined by law. 3. Incomplete reporting under Metro 2 standards The furnishing entities failed to provide proper coding and field compliance that meet regulatory requirements. This discrepancy triggers a Metro 2 field compliance error, which mandates correction or deletion. As you are aware, EOSCARs automated verification can not legally replace a factual investigation under FCRA 611 ( a ) ( 2 ). You are obligated to conduct a reasonable reinvestigation based on the specific information provided here. The continued reporting of these inquiries without proper verification is a willful violation of the FCRA and will be escalated. I demand the immediate removal of these inquiries within 30 days, as required by law, and that a written confirmation of deletion be sent to me upon completion of your reinvestigation. If these unauthorized inquiries are not removed ; I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and state regulators for non-compliance and violation of my consumer rights. This is your final notice. The use of automated response systems ( e.g., EOSCAR ) is insufficient, and I will not tolerate a form letter response. This dispute requires manual handling and proper documentation of investigation steps to ensure compliance. Failure to remove these inquiries constitutes a serious violation of federal law and consumer protection regulations, and I will pursue all available legal remedies without further notice.
Frequently Asked Questions
What is Complaint #18970384 about?
Complaint #18970384 was filed against Transworld Systems INC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2026-01-23T12:00:00-05:00.
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.