Consumer complaint received 2023-04-24
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My wife and I moved out of an apartment managed by XXXX XXXX XXXX on XXXX XXXX, XXXX, because I transferred locations ( out of state ) for employment. The manager approved our early lease termination, without penalty, as my wife had previously mentioned it to her, in-person. We paid our prorated rent for XXXX XXXX and monthly fees of {$85.00}, that cleared my wife 's bank on XX/XX/XXXX. When the manager received the utilities bill for the previous month, she my wife with the amount, and she wrote another check for {$140.00} that cleared her bank on XXXX XXXX, XXXX. Shortly thereafter, we received our full deposit back. 

It wasn't until XX/XX/XXXX, that my wife received a bill, in her name stating that she owed money. She contacted I.Q. Data International , Inc., immediately, and spoke with a gentlemen, whose name she could not get. When she asked him what she owed the money for he said, " Maybe it's for touch-up painting or cleaning or other late charges. '' When she told him that we already paid everything and received our deposit back and that this must be a mistake, he insisted it was correct. She told him that the information was incorrect and that we owed nothing, which would have been their verbal cue to investigate the matter. At this time, she requested the walk-through that mentioned any damages or repairs ( there were none, My wife has a video of the entire apartment walk-through that I did with my wife ). Additionally, the apartment manager did a walk-through with us. This young man also told me that some charges might have to do with COVID. '' We paid our rent throughout COVID. 
Then, my wife was transferred to XXXX XXXX who preceded to ask her personal questions like : " Where do you work? '' " What is your monthly income? '' When she told him that she does not have to answer those questions, he told her that in order for them to send her a verification of the debt, she would have to answer his questions. 

My wife also mentioned that some time after we moved out, we received a strange email mentioning to click on the link to pay money that we owe XXXX XXXX XXXX, where we resided. 
She found it suspicious and immediately phoned the XXXX XXXX XXXX office to let the manager know. She told my wife that she was receiving other calls, and there must have been a data breach and not to open the email. She did not, and deleted it. She explained this supposed data breach to both gentlemen. 

Fast forward to XXXX XXXX, XXXX - My called .Q. Data and asked XXXX to connect her with a supervisor. My wife was transferred to XXXX ( who was not a manager ) told my wife to email a dispute letter to XXXX. During this conversation he tried to convince my wife that we moved out on XX/XX/XXXX or the XXXX. My wife sent an email requesting validation of the debt within 5 working days. She also phoned XXXX XXXX XXXX and spoke with XXXX who told her that their office has no information on collection accounts and she would have to contact the Collection Agency directly. When my wife asked to be transferred to the appropriate department that would have that information, that there has to be a department that has the records like bookkeeping. she hung up on my wife. My wife called two other times, and she left one message, that call was never returned. Shortly thereafter, my wife emailed a request for the validation of the debt to IQ Data, cc to XXXX XXXX XXXX. 

We finally received the validation of the debt in late XXXX, dated mailed XX/XX/XXXX, but postmarked XXXX XXXX. However, on XXXX XXXX, I.Q. Data had already reported the debt on my credit report. We immediately wrote a dispute through XXXX This caused my XXXX  score to go down, and they reported the account, but not as disputed, as required. 

On XX/XX/XXXX, my wife emailed both companies with a three page letter as well as sent it certified mail with return receipt disputing all charges, giving specific reasons and documentation. ( attached ) The only thing my wife told them to ask upon request was the 4.5 minute video she recorded of the apartment walk-through the day we officially vacated. The still have not asked. We have yet to hear an official response. However, they sent my wife another bill in the mail, which she wrote another note to them and resent the email with documentation. They continue to not follow the rules. They continue to ding my credit report each month with interest and has failed to contact any of the credit agencies in regards to the dispute. 

My wife has already filed a complaint with the XXXX XXXX XXXX, which had hundreds of complaints. On XX/XX/XXXX, my filed a complaint with the Attorney General 's office for the state of Washington as well as an individual complaint with your agency. 
She has started speaking with one particular individual from IQ Data 's office who is keeping her updated of any progress. Thus far, the account shows to be in the dispute department, and my wife was told that all of our documentation is attached to our file. 

Today, my wife received notification that her credit score dropped XXXX  points. Please help us! This is not fair, taking advantage of ladies in their late XXXX XXXX. Thank goodness we know better.

Company response to consumer: Closed with explanation