Consumer complaint received 2023-02-06
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My complaint is regarding a final bill from XXXX XXXX, an apartment complex where had leased an apartment, I moved out of the apartment and provided my new address and asked that the final bill for water, garbage and other associated fees be to the address I provided. I never received the bill, instead I received a collection letter from I.Q. Data International, the letter was dated XX/XX/2021 although I didn't actually receive the letter until approximately XX/XX/2021 due to lag in time with my change of address. I also received notification from my bank notifying me of negative credit reporting on my credit file, upon reviewing the notification I learned that I.Q. Data had already reported the outstanding debt to the credit bureau. 

I contacted I.Q. Data XX/XX/2021 to inquire about the letter and the manner in which the account had been sent for collection and reported to the credit bureau without me ever receiving the bill, I also requested a copy of the bill. The representative informed me that I.Q. Data didn't have a copy of the bill and offered to accept my payment of {$130.00}, I declined the offer to pay the bill because I wasn't sure whether on not I was speaking with a legitimate collection agency. 

I contacted XXXX XXXX to request a copy of the bill, I spoke to XXXX XXXX/Assistant Manager who informed me there had been a change in property management and provided a telephone number who she said was for someone that could better assist me, the number was for a credit repair company and was no help in obtaining a copy of the bill. I sent an email XX/XX/2021 to XXXX which was the property management company in place while I resided at XXXX XXXX and received their response XX/XX/2021. The response stated XXXX no longer manages XXXX XXXX and does not have legal authorization to conduct business on behalf of the property, and advised me to contact XXXX XXXX XXXX who now manages XXXX XXXX I contacted XXXX XXXX XXXX and spoke to someone who seemed incapable in assisting me and she had to ask another person present with her what to tell me, after being placed on hold I eventually was informed that the company had nothing to do with outstanding final bills of previous residents prior to them taking over management of XXXX XXXX and advised me to contact the previous management company. 

When I realized I was getting nowhere with my request for a copy of the final bill I sent a dispute on XX/XX/2021 to I.Q. Data International and later sent an email to XXXX XXXX XXXX on XX/XX/2021 hoping it would reach someone who would have more concern for the situation an assist me, I received a response XX/XX/2021 informing me the final bill would have remained with the previous management company and to contact them. Because of the slow response from I.Q. Data, regarding my dispute I began the dispute process with the XXXX national credit reporting agencies, although I received a copy of the final bill wasn't in communications with I.Q. Data International until XX/XX/2021 when I contacted them and spoke with a representative named XXXX. During our conversation I reiterated my dissatisfaction with XXXX XXXX for mishandling my final bill and the negative credit reporting which was unfair to me since I provided my new address and requested that the final bill be mailed to me, and asked if returned mail sent to me was included in my file transfer to them, her response was that XXXX  XXXX doesn't have to prove that they mailed the bill to me nor that they attempted to contact me. 

My attempts to resolve this matter came to a halt when I.Q. Data refused to remove the collection from my credit report in exchange for payment in full. 

I had contacted XXXX regarding my dispute and was informed the debt was verified with I.Q. Data, when I asked how it was verified the XXXX representative said that in their investigation I.Q. Data responded to the request for verification verifying the debt, I expressed my dissatisfaction with this because I feel this isn't a thorough investigation process. The representative informed me further dispute requires me mail a copy of my government issued I.D . and social security card to XXXX XXXX XXXX, XXXX, Ga XXXX. I don't trust sending sensitive personal data such as this to anyone, especially through USPS so I decided against filing a further dispute. 

Please find below the contact information of all parties to this case which I have been in contact with while seeking a resolution. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief