Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: ID

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX regarding a collection account they are reporting on my XXXX credit file. The claimed balance is {$9600.00}, the original creditor is listed as XXXX at XXXX XXXX TX, and the account shows a closed date of XX/XX/XXXX. The most recent balance update was XX/XX/XXXX - nearly XXXX year after closure. I have disputed this account XXXX times. Twice in XX/XX/XXXX, a third time in XX/XX/XXXX and again on XX/XX/XXXX. These disputes are documented in my XXXX XXXX dispute history with the following case numbers : Dispute XXXX resolved XX/XX/XXXX ; Dispute XXXX resolved XX/XX/XXXX ; and Dispute XXXX resolved XX/XX/XXXX and Dispute XXXX which was submitted on XX/XX/XXXX and is currently in review. To date, I have not received the " G-Notice ' or initial written notice required under XXXX XXXX. XXXX, which must be sent within XXXX days of initial communication. These previous XXXX disputes are reflected on my credit report with the notation Account information disputed by consumer- meets FCRA requirements. Despite these disputes, IQ Data XXXX updated the balance as recently as XX/XX/XXXX without providing me any direct validation. Updating the account balance while the debt remained unverified and under active dispute constitutes willful non-compliance with the FCRA. Despite these documented disputes being marked resolved, I received no itemized validation, no written communication, and no contact from XXXXQ Data XXXXl at any point. I have never received any written notice, validation letter, or itemized accounting of this alleged debt at any address I have occupied. I became aware of this account solely by reviewing my own credit report. To date I have not received the initial written notice required under XXXX XXXX. XXXX, which must be sent within XXXX days of initial communication. The balance has also escalated from the original reported amount of {$7800.00} to {$9600.00} - an increase of {$1800.00} - with no itemized explanation ever provided to me. If any validation documents, itemized ledgers, or verification responses were transmitted to a prior address of mine without first confirming that it was my current address, that transmission does not constitute valid delivery under the FDCPA. I am requesting that the CFPB require IQ Data IXXXX to provide complete and verifiable debt validation including proof of delivery to a verified address, or immediately delete this account from all consumer reporting agency files and provide written confirmation of deletion. Having done extensive research on this collection agency, which goes by IQ Data XXXX XXXX/ Assurant Recovery Solutions, it is obvious that they are deceitful, unscrupulous and fail to follow the law. They are violating federal law in my case and I'm sure countless others. They have a XXXX star rating on the BBB website and hundreds of negative reviews.

Company response to consumer: Closed with explanation