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Didn't receive notice of right to dispute. I am filing this complaint against Transworld System Inc ( TWSI ) for engaging in unlawful debt collection practices related to an alleged debt reported on my credit file. These actions violate the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), Regulation F ( 12 CFR 1006.34 ), the Fair Credit Reporting Act ( FCRA, 15 USC 1681s-2 ), and New Jersey state laws, including the New Jersey Consumer Fraud Act ( N.J.S.A. 56:8-1 et seq. ) and the New Jersey Consumer Finance Licensing Act ( N.J.S.A. 17:11C-1 et seq. ). TWSIs failure to validate the debt and their continued collection efforts, including credit reporting, have caused significant financial and emotional harm. On XXXX XXXX XXXX, I received a collection notice from TWSI claimin