Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: IL

Complaint narrative:
I have disputed this account multiple times through the CFPB on : - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX Instead of conducting a reasonable investigation, I.Q. Data International , Inc. repeatedly labels my disputes as duplicate and refuses to provide any substantive response. This is a clear attempt to avoid their legal obligations under FCRA 1681s-2 ( b ). -- - # # # XXXX. XXXX Own Statement Confirms Lack of Independent Investigation In a written response dated XX/XX/XXXX ( XXXX ), XXXX states : > They contact the data furnisher, request that the furnisher investigate, and rely on the furnishers response to verify the account. > > They may determine that an item previously verified by the furnisher wont be disputed again. This confirms that XXXX : - Relies entirely on the furnisher to verify accuracy- Does not independently review underlying documentation - May refuse to reinvestigate disputes once the furnisher responds This process does not meet the legal standard of a reasonable investigation under FCRA 1681i. -- - # # # XXXX. Refusal to Provide Itemization of Debt I.Q. Data has failed to provide a full itemized breakdown of the alleged balance of {$11000.00}. They have not explained : - The charges making up the balance - Any fees, interest, or adjustments- How the amount increased from the original balance Without itemization, the debt is not verifiable. -- - # # # XXXX. Inaccurate Reporting Collection Account Listed as Open The account is currently reported as : - Account Type : Open Account - Status : Collection This is misleading and inaccurate. A collection account should not be reported in a manner that suggests it is an active/open tradeline. This violates FCRA 1681e ( b ), which requires maximum possible accuracy. -- - # # # XXXX. Verified as Accurate Without Evidence Despite the lack of : - Proper validation - Itemized accounting - Proof of authority to collect XXXX continues to report the account as verified as accurate. This demonstrates a rubber-stamp investigation process rather than a lawful review. -- - # # # XXXX. XXXX Law Violations As an Illinois resident, I am protected under the XXXX Collection Agency Act. I.Q. Datas actions constitute : - Failure to properly validate and document a debt - Use of deceptive practices- Continued collection activity without proper verification -- - # # # XXXX. Ongoing Harm As a result of these actions : - My credit report contains inaccurate and misleading information- I have been denied a fair opportunity to verify or resolve this account - My financial standing has been negatively affected -- - # # # Conclusion XXXX own written response confirms that it relies solely on the furnisher and may refuse to reinvestigate disputes, while I.Q. Data avoids investigation by labeling disputes as duplicate. Together, these actions deny me my rights under federal and Illinois law. I request immediate intervention and enforcement action. Sincerely,

Company response to consumer: Closed with explanation