Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: WA

Complaint narrative:
On XX/XX/XXXX at approximately XXXXXX/XX/XXXX PST, I contacted IQ Data International regarding an old disputed apartment move-out balance from an apartment building from early XXXX. The call lasted approximately XX/XX/XXXX. 

During this call, the representative engaged in harassing, abusive, and deceptive practices in violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

Specifically : XXXX. Harassment & Abuse ( FDCPA XXXX ) The representative repeatedly shamed and insulted me, stating : You dont pay your bills, Youre irresponsible, You dont care about paying your bills, Why couldnt you pay this in XXXX years? 

This language was demeaning, harassing, and completely inappropriate for a debt collection call. 



XXXX. False, Misleading, and Deceptive Statements ( FDCPA XXXX ) The representative knowingly provided false information about credit reporting laws, repeatedly stating that : This account will NOT fall off after XXXX years. 
Thats not the law. 

This is blatantly incorrect. Under FCRA XXXX ( a ), collections must be removed XX/XX/XXXX years after the initial delinquency. My XX/XX/XXXX is early XXXX, meaning this account is legally required to fall off my credit reports in XXXX. 

When I corrected her, she insisted she does this every day and that I was wrong, despite quoting the applicable law. 

Providing false information to intimidate a consumer is a clear violation. 



XXXX. Attempting to Force Payment Without Written Terms ( FDCPA XXXX ) I requested a written pay-for-delete agreement, which is standard. 
Instead, she attempted to pressure me into making payment immediately, saying : Pay something now and the rest later, You need to pay today to get it removed. 

She refused to provide any written terms before payment, which is a violation. 
Collectors can not require or pressure payment without sending written verification or agreement. 



XXXX. Refusal to Honor Negotiation Options/ Retaliation After I calmly corrected her about credit reporting law, she became hostile, stated : All negotiation offers are rescinded. 
Im not wasting any more time with you. 

This appeared retaliatory because I asserted my rights. 
Collectors are not allowed to retaliate or refuse lawful negotiation due to a consumer asserting their rights. 



XXXX. Misrepresentation About Multiple Consumers She falsely claimed : We cant negotiate because there are XXXX people on this account. 

This is incorrectmulti-tenant debts are settled every day. 
This was another pressure tactic. 



XXXX. Misrepresentation of Legal Consequences She implied negative consequences beyond the statute of limitations. 
In XX/XX/XXXX, the statute of limitations on debt collection is XX/XX/XXXX years, meaning my debt becomes time-barred in XX/XX/XXXX. She either did not know this or deliberately misrepresented it. 



XXXX. Overall Pattern of Abuse & Misinformation The combination of : Harassment Shame tactics False legal statements Pressure to pay without documentation Retaliation Deceptive claims about credit reporting Refusal to provide written terms represents a severe breach of federal consumer protection laws. 

I am requesting : XXXX. A full investigation into this representative and IQ Datas practices. 
XXXX. A review of the call recording ( timestamp XXXXXX/XX/XXXX PST ). 
XXXX. Correct reporting to all credit bureaus. 
XXXX. Written assurance that IQ Data will comply with FCRA and FDCPA laws going forward. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation