Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/year> To Whom It May Concern, IQ Data International , Inc. 
XXXX XXXX XXXXXXXX XXXX, XXXX. 
And, Or : XXXX XXXX XXXX, XXXX WA XXXX Subject : Formal Dispute of Alleged Debt and Notice of FDCPA, FCRA, and FCBA Violations I am writing to formally dispute the validity of a debt that IQ Data International , Inc. Continues to make the claims I owe. I was not previously aware of this debt, nor have I received any written notification advising me of my right to dispute it. I believe your company has violated multiple consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Fair Credit Billing Act ( FCBA ). and also continues to peruse a debt not owed under different address over time. 

XXXX. Failure to Provide Written Notice of Debt ( 1692g FDCPA ) Under 15 U.S.C. 1692g of the FDCPA, debt collectors are required to send a written notice within five days of initial communication, detailing : The amount of the debt The name of the creditor A statement of the consumers right to dispute the debt within 30 days I have not received such a notice from IQ Data International , Inc., which constitutes a direct violation of this statute. 

XXXX. False or Misleading Representations ( 1692e FDCPA ) Your company has continued to report this alleged debt to credit bureaus without providing proper validation or proof of ownership. This misrepresents the legal status of the debt and violates 1692e of the FDCPA.

3. Unfair Collection Practices ( 1692f FDCPA ) Continuing to damage my credit report without proper authority or validation of the debt is an unconscionable means of collection and violates 1692f of the FDCPA.

4. Inaccurate Credit Reporting ( FCRA 1681 ) The Fair Credit Reporting Act requires that all information reported to credit bureaus be accurate and verifiable. Since I was not notified of this debt and denied the opportunity to dispute it, any negative reporting is inaccurate and unlawful under the FCRA.

5. Violation of the Fair Credit Billing Act ( FCBA 1666 ) The FCBA ensures consumers have the right to dispute billing errors. Without proper notification, I was deprived of my right to dispute this debt, violating my protections under the FCBA. 

XXXX. Pattern of Unlawful Behavior IQ Data International , Inc. has faced multiple lawsuits and complaints for similar violations, including improper debt verification, harassment, and inaccurate reporting. This pattern of behavior further supports my claim and raises serious concerns about your compliance with federal law.

Requested Action I hereby request the following : Immediate cessation of all collection activities related to this alleged debt until proper validation is provided. 
A full and complete validation of the debt, including the original creditors name, amount owed, and chain of title. 
Removal of any inaccurate or unverifiable information from all credit reporting agencies. 
Written confirmation that this matter has been resolved and that no further action will be taken. 
Please consider this letter a formal dispute under the FDCPA. I expect a response within 30 days, as required by law. Failure to comply may result in further action, including complaints to the CFPB, FTC, and potential legal proceedings. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation