Consumer complaint received 2024-08-14
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: T.S. Holdings (TX)

I am writing to file a formal complaint against XXXX XXXX XXXX, located at XXXX XXXX XXXX. # XXXX, XXXX XXXX, CA XXXX, and XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. These companies have violated my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 

Since XX/XX/XXXX, I have repeatedly attempted to resolve an inaccurate and false account reported on my credit report by XXXX XXXX XXXX XXXX. Without success, this erroneous account has caused me significant financial hardship. 

Timeline of Events : XX/XX/XXXX Signed a XXXX lease with XXXX XXXX XXXX XXXX XXXX by JRK Property XXXX XXXX 

XX/XX/XXXX Experienced XXXX harassment from XXXX XXXX XXXX XXXX, leading to a heated exchange. Following this incident, XXXX XXXX XXXX XXXX XXXX agreed to release me from my lease effective XX/XX/XXXX. I was instructed to vacate within XXXX  days and was given a gag order, which was never countersigned. 

XX/XX/XXXX Sent the signed general release form to Vice President XXXX XXXX and XXXX Relations XXXX XXXX XXXX. No countersigned form was received. 

XX/XX/XXXX Moved out of the apartment. Despite XXXX requests for a walkthrough, no management appeared. I turned in my keys as instructed via email to the front office. 

XX/XX/XXXX Received a final move-out statement totaling {$1700.00} ( statement enclosed ). 

XX/XX/XXXX Emailed Property XXXX XXXX XXXX and XXXX Relations XXXX XXXX XXXX but was blocked from contacting them. 

XX/XX/XXXX XXXX XXXX XXXX XXXX reported the debt of {$1700.00} on my credit report. 

XX/XX/XXXX Filed a complaint with the CFPB. 

XX/XX/XXXX XXXX XXXX XXXX XXXX responded. 

Despite adhering to all move-out procedures and hiring professional cleaners, I was billed for a deposit I had already paid, and additional charges for painting and pet treatments for a pet I never owned. I was also blocked from discussing or arranging payment. The charges appeared to be retaliatory and discriminatory, as evidenced by the altered photos provided by XXXX XXXX XXXX to justify the {$1800.00} in damages, which was reviewed and deemed incorrect by legal counsel and housing authorities. 

Moreover, the debt was reported on my credit report before any invoice or proper documentation was provided. XXXX XXXX XXXX submitted an estimate dated XX/XX/XXXX, XXXX my CFPB complaint was filed. This estimate came from a company in Oregon, while the apartment is in Texas. No valid proof of billing for the painting and cleaning was provided. 

Upon receiving the final notice, I notified both companies in writing within the XXXX period, disputing the debt and requesting validation. I was blocked from further communication, violating my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 

Both XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have engaged in deceptive and illegal practices that tarnish a consumer 's reputation. Their actions have caused undue financial and emotional distress. I request a thorough investigation into these violations and appropriate legal remedies.