Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: TX

Complaint narrative:
I am writing to lodge a formal complaint about the debt-collection practices of IQ Data XXXX in connection with a debt they allege I owe. The account and related conduct described below occurred on XX/XX/scrub> 2026 during a phone interaction with a representative identified as XXXX XXXX. I am concerned that IQ DataXX/XX/XXXXXXXX has not properly complied with the requirements to provide a Notice of Validation ( often referred to as the validation of debt ) and has engaged in behavior I consider deceptive, unlawful and unethical. Summary of pertinent facts - On XX/XX/year>2026, I spoke with XX/XX/XXXX. He began by asking what I owe after verifying my name, in a manner I found abrupt and confusing. He proceeded to ask how I would like to pay. XX/XX/XXXX I stated that I do not consent to verbal communications and requested that IQ Data XXXX send me a valid Notice of Validation to my current address. He claimed that such notice had already been sent to an address I no longer reside at and refused to update your records during the call. XX/XX/XXXX placed me on hold to speak with his supervisor, XXXX XXXX. XXXX XXXX began with the same debt-collector script and again asked how I would like to pay. I reiterated that I do not consent to verbal communications and requested a Notice of Validation to my current address. XXXX XXXX XXXX took my current address and the call ended. XX/XX/XXXXApproximately XXXX weeks later, I have not received any Notice of Validation. I subsequently spoke with XXXX XXXX, who also began with the usual collection script and again pressed for payment. I reiterated that I will communicate only in writing and that I have not received a validation notice. XXXX XXXX claimed a notice had already been sent, but I have no record or receipt of such notice. I ask her for the address to send a request for notice of validation, she then gives me a fictitious address. XX/XX/XXXX I have repeatedly requested that all communications be in writing and to send the validation notice to my current address. To date, I have not received a bona fide Notice of Validation. Impact and concerns- The above conduct appears inconsistent with obligations under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXX, which requires, among other things, a written validation notice and respect for a consumers reasonable preference for written communication. XX/XX/XXXX Use of a confrontational or pressuring tone, and misrepresenting the status or delivery of a validation notice create unnecessary distress and confusion. XX/XX/XXXX The repeated claim that a validation notice was sent to an old address and the failure to update records upon request raise concerns about the accuracy of IQ Data XX/XX/XXXXcontact information and its record-keeping practices. I am attaching a copy of the letter I sent to them certified with a return reciept. I deleted my personal info.

Company response to consumer: Closed with non-monetary relief