Transworld Systems wrote to you. Ask who owns the debt and what proves it

As debt collector for the National Collegiate Student Loan Trusts, TSI was found to have filed false or misleading affidavits, given false or misleading testimony, and filed collection lawsuits when the debt could not be proved. The order required a $2.5 million penalty and barred suing, collecting or negative credit reporting without proper documentation. A proposed judgment against the trusts themselves was later rejected by the court, and the CFPB's case against the trusts was dismissed in 2025.

If TSI is writing about a private student loan owned by one of those trusts, see our page on the National Collegiate trusts for what the courts decided and which documents to ask for. Federal student loans are a different system and are not covered here.

Whatever the debt, a written dispute inside the validation period makes TSI stop collecting until it mails verification.

On June 4, 2021, TSI completed its purchase of Account Control Technology Holdings, whose companies included Convergent Outsourcing, Inc. TSI has since filed for the CONVERGENT trademark for collection and outsourcing services.

So a letter or credit report entry from Convergent Outsourcing is now a TSI matter. Old Convergent contact details may no longer be monitored. Write to the address on your most recent notice, and if that is a Convergent notice, ask in your letter which company now holds the account.

The rights are the same either way. A written dispute inside the validation period makes the collector stop until it mails verification.

A private student loan can be many years old by the time a collector writes. The time limit for a lawsuit runs under your state's law, usually from default or your last payment. A collector must not sue or threaten to sue once it has passed.

Do not make a "good faith" payment on a very old loan until you have checked. In some states a payment restarts the clock. The free check asks when you last paid and warns you.

TSI's Connecticut notice lists 13 different NMLS numbers, and its North Carolina notice lists several company numbers, which suggests several licensed TSI entities and programs. TSI's own pages also list different P.O. boxes for different purposes, such as payments and portal correspondence.

So the safest address for a dispute is the one printed on your own validation notice. If your notice gives none, the portal correspondence address is Transworld Systems Inc., PO Box 15130, Wilmington, DE 19850-5130, and you can also note the account number and creditor name so the letter reaches the right program.

TSI's complaint hotline is 866-545-9191. A complaint by phone does not replace a written dispute.

Medical balances are often wrong or reducible. Before paying TSI, read how to get an itemized bill and negotiate it, and check when medical debt can appear on your credit report.

You also have rights over how TSI contacts you: our guide to stopping debt collector calls explains the seven-calls-in-seven-days rule and how to limit contact.

A written dispute is your strongest first step; our guide on how to write a debt validation letter includes a free sample.

Imagine TSI mails a validation notice on Wednesday, February 10, 2027 about a private student loan with a claimed balance of $14,906.52.

1. Presidents Day (February 15) does not count, so the fifth working day after mailing is Thursday, February 18, 2027.
2. The dispute period can end no earlier than Saturday, March 20, 2027, a Saturday.
3. Your last payment was in 2014. Check your state's time limit before doing anything else, and do not pay or promise payment.
4. Mail the dispute to the address on the notice, naming the trust as the current creditor and asking for the promissory note and the chain of transfers.

Live in Pennsylvania? Our Pennsylvania guide covers the state's own protections.