Consumer complaint received 2024-10-07
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (NC)

To : I.Q. Data International XXXX XXXX XXXX XXXX, WA XXXX Subject : Statute of Limitations passed, Dispute of Debt Pursuant to 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) To Whom It May Concern, I am writing to formally dispute the validity of the debt that your company claims I owe, as referenced in my most recent consumer credit reports obtained. [ Acct # XXXX ] First and foremost, I live in the state of North Carolina whereas the statute for limitations for collecting debt on an account is 3 years from the last activity on the account. The original creditor : XXXX XXXX opened this collection 4 years and 7 months ago XXXX XXXX & has no rights or statues to collect and nor do their assigned collectors. I demand for this reason and the others listed below that this I.Q Data International account with a balance of {$2800.00} be deleted from ALL of my consumer reports.

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically **12 CFR 1006.34 ( b ) ( 5 ) **, I am requesting that you provide detailed information regarding the debt you are attempting to collect. Under this provision, you are required to provide a clear description of the debt, including the amount and details necessary for me to verify its accuracy.

Additionally, per **12 CFR 1006.34 ( c ) ( 4 ) ( i ) **, I request that you provide a copy of the original contract or an itemized statement showing how the debt was incurred. This will allow me to confirm whether this debt is accurate, and to determine whether any errors have been made in your records.

Under **12 CFR 1006.34 ( d ) **, I am also requesting that you provide me with the name and address of the original creditor, if this debt was transferred or sold to you by another company. This information is crucial to ensure that any debt you claim is legitimate and properly documented. Im also requesting in addition to the debt being validated by the information requested ; Im requesting the PURCHASE AGREEMENT between the debt collector and the original creditor to verify accuracy & accordance.

Finally, in accordance with **15 USC 1681s-2 ( a ) ( 7 ) ( A ) ** of the Fair Credit Reporting Act ( FCRA ), you are required to notify me if negative information regarding this debt has been or will be reported to any credit reporting agencies. If this is the case, I request a prompt notification of any such reporting, as well as verification that the reporting is accurate.

Until I receive the requested documentation, I do not acknowledge this debt. If you are unable to provide the requested information within 30 days, I expect you to CEASE ALL COLLECTION efforts and REMOVE any adverse information related to this debt from my credit report.

Please consider this letter as my formal notice to dispute the validity of this debt and as a request for verification and validation of all relevant details. Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation. 

Sincerely, XXXX XXXX XXXX