Consumer complaint received 2023-08-03
Company: T.S. Holdings
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from I.Q. Data International at the end of XXXX. The letter was dated XX/XX/2023. On XX/XX/2023 I sent a letter to them notifying them that the debt was not mine. I asked them to validate the debt and provide the following information : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts in the state of Arizona.

5. Documentation showing that you are licensed to collect debts owed in the state of Florida.

6. Documentation collected, signed, and procured by XXXX at XXXX XXXX that may have resulted in a balance due including but not limited to a lease application, rental agreement, signed documents, and or any photo identification used to verify the identity of the person attempting to do business with XXXX at XXXX XXXX. 
7. Proof of the last payment made on this account ( date, by whom, and form of payment ). 
8. The original date of the application, rental agreement, or co-signed agreement at XXXX at XXXX XXXX that you are attempting to collect. 
9. The terms of the application, rental agreement, or co-signed agreement at XXXX at XXXX XXXX that you are attempting to collect on. 

I have attached the full letter that I sent to them letting them know the debt is not mine and that I was requesting validation of the debt/disputing the debt, the notice that I received from them dated XX/XX/2023, a copy of the signed returned receipt from the certified letter that I sent them ( they received my request to validate the debt/dispute on XX/XX/2023 ), and a screenshot showing that XXXX. XXXX XXXX has already reported this debt that is not mine and I do not owe to my credit report ( I have confirmed the collection was reported to XXXX and XXXX ; I am in the process on confirming with XXXX ). 

As of today XX/XX/2023 I have not received a response from I.Q. Data International ( as I requested in my dispute/validation request letter ). 

It is my understanding of my rights under the FDCPA that when you dispute the debt ( as I did in writing less than 30-days from the time that I received their initial notification of the debt ), a debt collector can not report it to a credit reporting agency unless and until it verifies the debt. 

As of right now, I.Q. Data International is in violation of the FDCPA. My credit score has been negatively impacted by the reporting of a debt that IS NOT MINE. 

I dont know how this fraudulent account was even able to be opened for the debt that I am being associated with because MY CREDIT IS FROZEN! The reason I have my credit frozen is because my personal information has been compromised and I regularly receive notices from credit card companies and loan companies declining application that were submitted using my stolen personal information that were submitted without my knowledge by third-parties attempting to commit fraud. 

I have also submitted a dispute with XXXX and will be contacting XXXX and XXXX to follow their dispute processes. 

This is not my debt! I dont live in Florida nor do I know anyone who lives in Florida . I am distraught that some random apartment complex in Florida was able to open a fraudulent account in my name! I am even more upset and distraught that I am now being harassed and penalized by a debt collector who is not in compliance with the FDCPA!

Company response to consumer: Closed with non-monetary relief