Debt collection -- Took or threatened to take negative or legal action -- Complaint #5590317
Complaint Overview
Complaint ID: 5590317
Company: Transworld Systems INC
Product: Debt collection
Sub-Product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened or suggested your credit would be damaged
State: New York
ZIP Code: 14226
Date Received: 2022-05-21T12:00:00-05:00
Date Sent to Company: 2022-05-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
TransWorld Systems, debt collection agency, reported an erroneous debt to credit companies without ANY validation that debt belonged to me. Since debt was incurred in a state where I have never lived, it is impossible that this debt is mine. I found the faulty reporting when my XXXX score took a serious dive. This has damaged my credit report significantly. I've had to postpone making some financial changes until my XXXX score is restored to it's previous Excellent level. TransWorld has never had previous contact with me until I called them to correct their error. They were simply unwilling to do their own investigation.
Frequently Asked Questions
What is Complaint #5590317 about?
Complaint #5590317 was filed against Transworld Systems INC regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2022-05-21T12:00:00-05:00.
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 (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.