Consumer complaint received 2022-11-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (FL)

XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Ref : Credit Report Collection Account, XXXX XXXX XXXX, Dated XXXX XX/XX/XXXX To Whom It May Concern, I am writing regarding the entry on my credit report from XXXX XXXX XXXX regarding a debt they allege I incurred to XXXX XXXX TX in the original amount of {$7200.00}. 
I fully and wholeheartedly disagree that I owe any debt to XXXX XXXX TX or XXXX XXXX XXXX. 
On XXXX XX/XX/XXXX I arranged to lease an apartment at the XXXX XXXX XXXX complex, XXXX XXXX. XXXX XXXX in XXXX Texas. The rental rate for the apartment was {$730.00} per month and the lease commenced on XXXX XX/XX/XXXX. 
On XXXX XX/XX/XXXX I found it was necessary for me to vacate the apartment due a change of employment and a family health emergency. I spoke with XXXX XXXX XXXX management personnel and inquired about options for a lease buyout. XXXX XXXX XXXX management personnel referred me to page number thirty-nine of my lease and the section titled LEASE BUYOUT AGREEMENT. I have attached lease page number thirty-nine to this letter and can provide a copy of the full lease if necessary. In accordance with the LEASE BUYOUT AGREEMENT section, XXXX XXXX XXXX management personnel determined and agreed that I could buy-out the lease by paying the buyout fee of {$1400.00}. I immediately paid the {$1400.00} buyout fee plus {$36.00} in ancillary fees in the presence of XXXX XXXX XXXX management personnel as is referenced on the attached copy of my credit card statement for that month. I vacated the apartment on XXXX XX/XX/XXXX and left the apartment in clean and undamaged condition. 
I have had no contact from XXXX XXXX XXXX complex or XXXX XXXX XXXX until I noted the collection entry on my credit report and filed a dispute about the matter with XXXX. I would note that XXXX XXXX XXXX management personnel have had my correct and current address after I vacated the apartment as they had forwarded at least XXXX delivery to me that was received there after I vacated the apartment. 
I deny that I owe any amount to XXXX XXXX TX OR XXXX XXXX XXXX and would note that the only correspondence I have received from either entity is a letter I received yesterday from XXXX XXXX XXXX dated XXXX XX/XX/XXXX in which they allege that I owe the original {$7200.00} plus accrued interest. A copy of that letter is attached. XXXX XXXX XXXX has not provided me with any verification, validation, billing or account statements, or any information regarding their ownership and authority to collect the alleged original debt or the reason that they believe I owe same. 
I would like to dispute this debt and all reports and records regarding this issue on my credit report and would additionally like a copy of this letter and attachments to be included in my credit report and provided to anyone who requests same until this matter is resolved or the incorrect debt information is removed. 

Thank you for your help and attention to this matter. 

Sincerely, XXXX XXXX XXXX