Debt collection -- Written notification about debt -- Complaint #6217413
Complaint Overview
Complaint ID: 6217413
Company: Transworld Systems INC
Product: Debt collection
Sub-Product: Other debt
Issue: Written notification about debt
Sub-Issue: Didn't receive notice of right to dispute
State: Maryland
ZIP Code: 21114
Date Received: 2022-11-17T12:00:00-05:00
Date Sent to Company: 2022-11-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX I received a credit monitoring email alert that a collection was placed on my credit report by Transworld System Inc for the debtor XXXX. I never received ANY written notice about a debt owed to XXXX from Transworld System Inc. I never received a final bill from the debtor XXXX. I had no idea that I owed XXXX anything. After receiving the credit monitoring email alert about the collection being placed on my account, I called XXXX directly to confirm that I actually owed them. It turns out that I had a final balance that was due on an utility account I closed in XX/XX/XXXX. I told them I never received a final bill from them and had no idea that I owed this amount. XXXX confirmed that they had an incorrect address to send the final bill to. The address they had was the same as the service address. I never received an opportunity to see a final bill, review the final bill or dispute the final bill- for over 5 years. Transworld System Inc NEVER sent me any notice or bill in writing saying that this account was in collection - I never received any opportunity to pay for this account before they put it on my credit report as a collection. Had I known that I owed XXXX in XXXX I would have paid the account right away- but I never had that opportunity before they reported it as a collection. I've paid the account to XXXX- but it should have never been reported as a collection. I've asked Transworld System Inc. to remove the collection account because I was never given the opportunity to verify, confirm and pay the debt before it was reported as a collection. They have not removed the collection from my credit reports- they just updated it to show it was paid.
Frequently Asked Questions
What is Complaint #6217413 about?
Complaint #6217413 was filed against Transworld Systems INC regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2022-11-17T12:00:00-05:00.
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.