Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TX

Complaint narrative:
COMPLAINT AGAINST : I.Q. Data International , Inc. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, WA XXXX XXXX : ( XXXX ) XXXX Complaint Type : Debt Collection Account Number : XXXX -- - WHAT HAPPENED : I am filing this complaint against I.Q. Data International , Inc. for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), including attempting to collect a debt that their own validation documents confirm has a balance of {$0.00}, providing legally insufficient debt validation, and continuing collection activity on a fully disputed and documented debt. BACKGROUND : I rented Unit XXXX at XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( XXXX XXXX, owned by XXXX XXXX Owner, XXXX ) from XX/XX/XXXX through XX/XX/XXXX. After vacating, the landlord issued a Move Out Statement charging for carpet replacement, cleaning, wall repairs, tub resurfacing, glass stove top resurfacing, and trash removal. That account was referred to I.Q. Data International , Inc. for collection. I.Q. Data sent a collection letter dated XX/XX/XXXX2026 demanding {$2500.00}, which includes {$110.00} in accrued interest on top of the principal balance of {$2400.00}. -- - VIOLATION 1 : COLLECTING ON A DEBT THEIR OWN DOCUMENTS SHOW IS {$0.00} This is the most serious issue. In response to my written validation request, I.Q. Data provided a Move Out Statement as their proof of the debt. That same document contains a series of Write Off Charge entries dated XX/XX/XXXX2025 that reverse every single damage charge on the account : Carpet replacement written off : ( {$460.00} ) Full clean and heavy oven written off : ( {$170.00} ) Wall repairs/ anchor holes/ texture written off : ( {$1100.00} ) Tub resurfacing written off : ( {$330.00} ) Glass stove top resurfacing written off : ( {$170.00} ) Trash removal written off : ( {$75.00} ) After these write-offs the ledger balance on their own document is exactly {$0.00}. I.Q. Data International submitted this document as validation that the debt is owed, while simultaneously demanding {$2500.00}. Their own evidence proves the balance was zeroed out by the original creditor on XX/XX/XXXX XXXX full months before their XX/XX/XXXX collection letter was sent. This constitutes a false and misleading representation in violation of FDCPA Section 1692e and an unfair and unconscionable collection practice in violation of FDCPA Section 1692f. -- - VIOLATION 2 : LEGALLY INSUFFICIENT DEBT VALIDATION Even if the balance were not XXXX, the validation response does not meet the legal standard under FDCPA Section 1692g. The documents provided consist only of the original creditor 's Move Out Statement and vendor estimates. There are no paid receipts, no completed work orders, and no confirmation that any of the disputed work was actually performed or paid for. Every vendor document included is an estimate dated after my move-out, not a receipt confirming completed work. An estimate is not proof of an actual expense. -- - VIOLATION 3 : DAMAGE CLAIMS CONTRADICTED BY PHOTOGRAPHIC EVIDENCE I have timestamped photographs taken on XXXX XXXX, 2025, the day before my move-out, showing the glass stove top and bathtub in clean, undamaged condition. These photographs directly contradict the damage claims the collection agency is relying upon to justify the debt. -- - VIOLATION 4 : CHARGES INCONSISTENT WITH TEXAS LAW AND THE SIGNED LEASE The wall repair charge of {$1100.00} includes fees for anchor holes and nail holes. My signed lease agreement ( Paragraph XXXX ) explicitly states that a reasonable number of small nail holes for hanging pictures on sheetrock walls are permitted. Charging for permitted nail holes is inconsistent with both the lease terms and Texas law on normal wear and tear. Additionally, under Texas Property Code Section 92.109, a landlord 's obligation to act in good faith when making security deposit deductions is a statutory right that can not be waived by any lease provision. No contract clause can eliminate a tenant 's right to have charges substantiated with actual documentation. The landlord provided no such documentation, and the collection agency has continued pursuing these charges regardless. -- - WHAT OUTCOME I AM SEEKING : I am requesting that the CFPB : 1. Investigate I.Q. Data International , Inc. for collecting on a debt that their own validation documents confirm has a balance of {$0.00}, in violation of FDCPA Sections 1692e and 1692f 2. Require the collection agency to immediately cease all collection activity on this account 3. Require the immediate removal of any negative credit reporting related to this account 4. Require written confirmation to me that this account has been closed 5. Investigate whether I.Q. Data International has engaged in similar practices with other consumers, as this appears to reflect a systemic pattern of forwarding creditor ledgers that show XXXX balances while simultaneously demanding full payment -- - SUPPORTING DOCUMENTS I AM ATTACHING : 1. I.Q. Data International collection letter dated XXXX XXXX, 2026 demanding {$2500.00} 2. Move Out Statement provided as debt validation, showing Write Off Charge entries dated XXXX/2025 bringing balance to {$0.00} XXXX. Timestamped photographs from XXXX XXXX, XXXX showing stove top and bathtub in undamaged condition 4. Signed lease agreement showing nail holes are permitted and deductions must be made as allowed by law 5. Vendor estimates ( not receipts ) provided as validation documentation -- - COMPANY BEING COMPLAINED ABOUT : I.Q. Data International , Inc. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX XXXX : ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX -- XXXX CONSUMER INFORMATION : Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation