Consumer complaint received 2025-02-15 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: CA

Complaint narrative:
I sent the collection company the following letter via certified mail on XX/XX/XXXX, of which I have the postal office receipt for : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, WA XXXX Date : XX/XX/XXXX Subject : Dispute and Request for Debt Validation Reference Number : XXXX Dear Sir or Madam, I am writing in response to your letter dated XX/XX/XXXX, regarding an alleged debt of {$15000.00} associated with XXXXXXXX XXXX XXXX XXXX ). I am disputing this debt and formally requesting validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ), as well as additional information regarding your claim. 

I did not receive any written communication from XXXXXXXX XXXX or your agency regarding this matter prior to your letter. The last correspondence I received was an email from XXXXXXXX XXXX in XX/XX/XXXX, which was addressed to both my son ( who lived at the apartment ) and me. I was not informed of any subsequent actions, including eviction proceedings or escalation to collections. This lack of notification, in my understanding, is a failure to comply with legal requirements under California landlord-tenant law and consumer protection laws. 

To assist me in better understanding, I am requesting the following : 1. Proof of the Debt : A copy of the signed lease agreement indicating my role and obligations as a cosigner.

A detailed itemized statement of the charges, including rent, late fees, interest, and any other fees.

The date the debt became delinquent and the date of the last payment.

2. Eviction and Mitigation Records : Documentation of any eviction proceedings, including notices sent to me as a cosigner. 

Evidence that the landlord took reasonable steps to mitigate damages by attempting to re-rent the unit after the default. 

XXXX. Assignment of the Debt : The name and address of the original creditor ( XXXXXXXX XXXX ) and evidence of their assignment or transfer of the debt to XXXX XXXX XXXX XXXX XXXX. 

4.Supporting Documentation : A copy of the original contract or agreement evidencing your right to collect this debt. 

All records showing communications or attempts to notify me of this matter before your XX/XX/XXXX, letter. 

As mentioned, the last correspondence I received regarding this lease was in XX/XX/XXXX. I was unaware of any further developments, including eviction or escalation to collections. As a result, this is the first communication I have received regarding this alleged debt, which I believe may violate consumer protection laws. 

Please note that I am exercising my right under the FDCPA to dispute this debt and request validation. Per the FDCPA, you must cease all collection activities until this validation is provided. I request that all future correspondence be conducted in writing and sent to the address listed above. 

Failure to comply with this request or any further attempts to collect this debt without proper validation may result in my filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the California Department of Consumer Affairs, and other regulatory agencies as appropriate. 

Thank you for your attention to this matter. I look forward to your prompt response and the requested documentation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation