I got a call supposedly from TransWorld Systems LTD, saying it was a collection agency & I had an account in collections. They said I owed creditor Birchland Market $210 for an upaid order from 2021. First time I was ever contacted in any way. What kind of online store sends out $210 worth of products without payment upfront? I did call the collection agency & spoke to someone. The rep stated they would place my account in "dispute" status & contact the creditor. In searching the web, I found reviews that mentioned the same thing I was called for. It has to be a scam. So don't pay this when they threaten your credit rating. It's a scam!