Debt collection -- Took or threatened to take negative or legal action -- Complaint #5628695

Complaint Overview

Complaint ID: 5628695

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: Texas

ZIP Code: 78251

Date Received: 2022-06-02T12:00:00-05:00

Date Sent to Company: 2022-06-02T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

On XX/XX/2022 I received a letter in the mail from a collection agency called Transworld Systems Inc. They are claiming that I owe a debt to a company called XXXX XXXX XXXX XXXX. I never heard of neither of these companies and I don't have contracts with neither of them either. They said I have 30 days to respond to them otherwise they will assume that the debt is valid. They said if I don't pay the debt XXXX XXXX XXXX XXXX XXXX continue to report it to credit reporting agencies as unpaid for as long as the law permits it. I responded to them immediately. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and 15 USC 1692 XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681sXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1692XXXX Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( XXXX ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( XXXX ) not state that such consumer owes any debt ; 15 U.S. Code 1692XXXX A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. ( XXXX ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 15 U.S. Code 1692XXXX ( a ) Communication with the consumer generallyWithout the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692XXXX Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( XXXX ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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