Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings
State: FL

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX, a collection agency that has refused to remove an invalid collection account from my credit report and rental history, despite clear evidence that the alleged debt is the result of an admitted error by my former apartment management. 

Background In XX/XX/year>, my co-tenant and brother, XXXX XXXX, notified our apartment that he intended to vacate. The apartment management issued a written vacate notice and agreement, which both of us signed and returned. Based on this official notice, my brother entered into a new lease at another apartment. 

Shortly thereafter, management admitted in writing that the vacate notice had been issued in error and that our lease had not actually expired. They apologized for their mistake. Despite this, they attempted to charge XXXX {$2600.00} as an early termination fee. We disputed the charge immediately and provided proof that the error was entirely theirs. 

Instead of correcting the mistake, the apartment referred the matter to XXXX XXXX XXXX, who reported the balance as a collection account. I disputed the account directly with XXXX XXXX XXXX and with the credit bureaus, attaching supporting documentation that included : The signed vacate notice/agreement, Email correspondence from management admitting the error, and A copy of the collection entry from my credit report. 

Despite these facts, XXXX XXXX XXXX has refused to remove the account and continues to report it, harming my credit standing and rental history. 

Legal Basis Under the Fair Credit Reporting Act ( FCRA ), inaccurate or unverifiable information must be corrected or deleted. 
Under the Fair Debt Collection Practices Act ( FDCPA ), debt XXXX are prohibited from continuing collection activity when a debt is disputed and can not be verified. 

XXXX XXXX XXXX refusal to remove this account constitutes a violation of these consumer protection laws. The account is not valid, has never been owed, and is the direct result of an error that management themselves admitted. 

Harm Caused This false collection has negatively impacted my credit report, rental history, and financial opportunities. I have been unfairly penalized for an error that was beyond my control and that management acknowledged in writing. 

Requested Action I respectfully request that the Washington XXXX Attorney XXXX XXXX investigate this matter and take appropriate action to ensure that XXXX XXXX XXXX : Immediately deletes this invalid collection account from my credit report and rental history. 

Ceases all collection activity on this account. 

Provides me with written confirmation that the account has been permanently removed. 

Evidence Provided XXXX of the vacate notice/agreement signed by both tenants. 

Email correspondence from apartment management admitting and apologizing for their error. 

Screenshot of the collection entry from my credit report. 

Copies of prior dispute letters sent to XXXX XXXX XXXX. 

This matter represents a serious violation of my consumer rights, and I am seeking the Attorney XXXX assistance to resolve it promptly. 

Complainant : XXXX XXXX XXXX Hunters XXXX XXXX XXXX : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation