Consumer complaint received 2024-05-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (CA)

Data : XXXX Plaintiff : XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX California, XXXX XXXX XXXX Phone : XXXX XXXX Phone : XXXX XXXX E-mail : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX Phone : ( XXXX ) XXXX Website : iqdata-incXXXX  California debt collection license : # XXXX Complaint! 
Regarding multiple violations of consumer protection laws by IQ Data International , Inc. 


Dear Sirs, I wish to notify you about a serious incident that occurred during a recent conversation with a representative of IQ DATA. 

On XX/XX/year>, my wife, XXXX XXXX, received a call from an IQ DATA representative. The representative did not introduce themselves and began claiming that we allegedly have an outstanding debt that we are required to pay. The conversation started with rude and insulting remarks, demanding that we provide a credit card number for immediate payment. In response, my wife stated her intention to record the phone call. The IQ DATA representative slightly changed their tone but the tension remained. My wife requested written notification via mail with information about the alleged debt, to which she received a rude refusal with the statement " We are not a billing service. '' Following this, the representative put the call on a prolonged hold.

It is important to note that this is the second call from an IQ DATA representative, during which threats to damage our credit history were previously made, causing me serious concern for my family 's safety.

Such behavior is unacceptable and raises serious concerns about the practices and professionalism of such organizations. Given the previous threats from the IQ DATA representative about potential damage to our credit rating and the implied threats about what else might happen, this raises significant fears for my family 's safety. 

To Whom It May Concern, I am writing this letter to formally complain about the systematic violations of federal laws, as well as the laws of the states of California and Texas regarding consumer protection, committed by the debt collection firm IQ Data International , Inc. ( XXXX, iqdata-incXXXX ) in the process of collecting an alleged debt from me. 

IQ Data International has made a negative entry on my credit report, ignoring legal requirements : 1. Violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) : - Failure to provide written notice within 5 days ( 809 ( a ) ) - Refusal to provide verification of the debt within 30 days ( 809 ( b ) ) - Use of unfair collection practices ( 807, 808 ) 2. Violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) : - Reporting negative information without notice ( 1681s-2 ( a ) ) - Failure to conduct a mandatory investigation after my dispute ( 1681i ) 3. Violation of California laws ( Cal.Civ.Code 1788 et seq. ) : - Unfair and deceptive practices in violation of the Code - Failure to provide required information about the debt ( 1692g ) 4. Violation of Texas laws ( Tex. Fin. Code 392.001 et seq. ) : - Use of threats and insults in the collection process ( 392.301, 302 ) - Failure to provide complete information about the alleged debt ( 392.202 ) Due to the numerous violations of the above laws, I demand immediate : 1 ) Removal of all negative entries related to this debt from my credit reports. 
2 ) Provision of comprehensive proof of the legality and amount of the debt.

3 ) Compensation for all incurred damages and emotional distress in accordance with the FDCPA, FCRA, and applicable state laws.

If my legal demands are not met within 30 calendar days, I will be forced to file complaints with the Federal Trade Commission, the Consumer Financial Protection Bureau, and pursue legal action in the courts of California and Texas. 

Attachments : [ copies of all relevant documents ] Sincerely, XXXX XXXX and XXXX XXXX