Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings (TX)

So IQ Data International has been reporting false information and wrong amounts to my credit report that I don't owe. XXXX is when this false reporting started. I've called the collection agency about this matter because we didn't get a notice or anything it just showed up on mine and my spouses credit report. We asked them on the phone call on XXXX what is this amount for they didn't explain just told us it's from XXXX XXXXXXXX XXXX XXXX and stated we couldn't dispute verbally we had to mail in a letter to dispute. We also asked them to send us the list to show what we were being charged for. XXXX XXXX is some apartments they I lived in and I was having disputes with them after our move out because they were trying to over charge us, charge us for things we weren't responsible for and also tried to charge us for things that never existed in the unit. So after a couple of months disputing with them I got legal advice from a lawyer to take them to small claims court. I told XXXX XXXX I was going to sue them and take them to small claims court on XXXX if my account was resolved by XXXX. So they agreed to pay me and drop all charges on a phone call on XXXX. A hour later the apartments emailed me stating I wasn't going to get my full deposit back they were keeping our pet deposit for carpet replacement in the unit which our unit never had carpet. So after still disputing we didn't come to an agreement that day so on XXXX out of no where this is when the report hits our credit and we had no idea what the amount was for. So after that phone call on XXXX with the collection agency time goes by and on XXXX we get a letter in the mail from the collection agency dated XXXX saying they denied our letter of dispute. Which I never sent in a letter so I called them the day we received that letter asking how did y'all deny my letter when I never sent in a letter during that time and the agent couldn't explain then change up saying they took a verbal dispute as us disputing. I told her I'm actually mailing my later today and the agent told me to also send in proof with my dispute letter on showing how I don't owe that amount. So XXXX I actually mailed in my dispute letter and my proof with all the legal spill for them to do an investigation, very this amount is correct, and to take this off my credit report. Weeks are going by I called the collection agency numerous of times trying to get this list to showing what the amount was for they kept saying the were mailing it but they never were. On XXXX is when we finally got the list in the mail of showing what we were being charge for by XXXX XXXX. So XXXX we go to court against XXXX XXXX we didn't get a judgement this day. XXXX is when we go the judgment in the mail/online we won our court case against XXXX XXXX XXXX we didn't owe them money they had to pay me double of my deposit. On XXXX I emailed the collections agency my court documents of us winning and called on the phone to let them know I don't owe this amount this needs to be taking off my credit by XXXX because it's been months of false reporting to my credit. I couldn't get a new vehicle because of this and also couldn't get a credit limit increase on my credit card this has been causing a lot of stress and emotional damage.