What Transworld Systems is

Transworld Systems Inc. (TSI) describes itself as "The Leading Tech-Enabled Revenue Recovery Solutions Provider." Its website lists revenue recovery, healthcare revenue cycle management, loan servicing, and business process outsourcing. The site at transworldsystems.com now redirects to tsico.com.

Platinum Equity announced that it closed its purchase of several accounts receivable units from Expert Global Solutions on November 3, 2014, and combined them into one company operating as TSI. We could not confirm who owns TSI today.

Why TSI may appear on your credit report

The CFPB names TSI as the debt collection subservicer for the National Collegiate Student Loan Trusts, which makes TSI the trusts' debt collector. If you have a private student loan, check whether the creditor TSI names is a National Collegiate trust.

Public enforcement record

The record below comes from the CFPB. It lists what the record says, not a finding about your account.

2017 CFPB consent order

On September 18, 2017, the CFPB issued a consent order against Transworld Systems Inc. (Docket 2017-CFPB-0018). The CFPB alleged that TSI used false or misleading affidavits and testimony, and filed collection suits when it could not prove the debt was owed. The order requires injunctive relief and a $2.5 million civil penalty.

The CFPB lists the order's status as "Post Order/Post Judgment." Its page was last updated on August 8, 2023, and describes no later change to the order.

CFPB complaint database

As of October 14, 2026, the CFPB Consumer Complaint Database held 21,992 complaints filed under Transworld Systems Inc. Of those, 17,262 were about debt collection and 1,207 were about student loans. The most common issues were "Attempts to collect debt not owed" (7,373), "Written notification about debt" (3,084), and "False statements or representation" (2,061). "Incorrect information on your report" accounted for 1,789. A complaint count is not a finding of wrongdoing.

How to check a TSI entry against your own records

  1. Find the validation notice. Under 15 U.S.C. 1692g(a), a debt collector must send a notice within five days after it first contacts you to collect the debt. The notice must say that you may dispute the debt within 30 days of receiving it and that the collector will then obtain verification and mail you a copy. It does not have to send one if its first message already gave this information or if you have paid the debt. A court complaint in a lawsuit does not count as that first contact. Neither does a tax, privacy, or data-breach notice that the law requires.
  2. Identify the creditor. Write down the creditor TSI names. For a private student loan, check whether it is a National Collegiate Student Loan Trust and match it to your own loan records.
  3. Compare the details. Check the balance, the account dates, and the creditor against your own statements, payment receipts, and letters.
  4. Compare all three reports. Check whether the same account appears in the same way at each credit bureau, and note every difference.
  5. Note the contact details. TSI's consumer support page lists a general line, 866.228.9034 (Monday to Friday, 8 to 5 Eastern), a Consumer Hotline for complaints about how a debt is collected, 866-545-9191, and a payments line, 877-865-7686. The page lists no mailing or validation address.

How to dispute an inaccurate TSI entry

  1. Dispute with TSI in writing within 30 days of the validation notice. On a timely dispute, the collector "shall cease collection of the debt, or any disputed portion thereof," until it obtains verification and mails you a copy. A timely written request for the original creditor's name and address stops collection of the debt until TSI answers it (15 U.S.C. 1692g(b)).
  2. Dispute with each credit bureau that shows the error. The bureau must reinvestigate within 30 days of receiving your dispute, with up to 15 more days in stated cases, and notify the furnisher within 5 business days. A dispute made after a free annual report has 45 days in all, with no further extension. It must act promptly on an item it finds inaccurate, incomplete, or unverifiable (15 U.S.C. 1681i(a), 1681j(a)(3)).
  3. Expect a furnisher investigation. Once the bureau notifies the furnisher, it must investigate, report the results, and correct, delete, or block information that is inaccurate, incomplete, or unverifiable (15 U.S.C. 1681s-2(b)).
  4. Keep copies. Keep every letter you send and every response you receive, with the dates.

The CFPB explains both steps in plain language: what a debt validation notice is and how to dispute an error on your credit report. These rules require an investigation. They do not promise a particular result. For the same rights applied to other companies, see the collection account guides.