Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: IN

Complaint narrative:
I am submitting this complaint regarding IQ Data XXXX and XXXX of their XXXX, XXXX XXXX. In XXXX XXXX, I contacted IQ Data XXXX only to inquire about a collection account appearing on my credit report, as I was unfamiliar with the alleged debt and wanted information. Instead of providing validation, XXXX XXXX immediately asserted that I owed the debt and stated that I would not be able to obtain housing unless I paid, using my credit report as leverage. During this call, I told him I could not afford to pay the alleged balance. He asked how much money I had available, and I stated approximately {$3000.00} total. I did not agree to pay this amount, and this disclosure was not authorization for any charge. He then stated that only full payment would result in deletion from my credit report and later demanded approximately {$5300.00}, which I told him I did not have. Despite repeatedly stating I could not afford payment, I was pressured and intimidated into setting a payment date of XX/XX/year>. On XX/XX/year>, I contacted him again and clearly stated that I did not have the funds and would reach out only if my situation changed. Despite this, he continued to pressure me to proceed with payment. I said I would let him know if I could get the money. On XX/XX/year>, I received a fraud alert indicating an attempted charge to my card without my authorization AND the charge amount was approximately {$2300.00} a balance never talked about or authorized. Later that day, XXXX XXXX contacted me and stated the charge had declined. I reiterated that I had already advised him I did not have the funds. At that point, he threatened legal action if payment was not made, he intimidated me and pressured not to let me off the call.The underlying rental matter related to this alleged debt had previously been dismissed by the court with no judgment entered. No judgment exists authorizing collection or enforcement. After this call, I ceased communication. Despite no authorization and no further contact from me, XXXX XXXX attempted to charge my card again on XX/XX/year>. Most critically, the amount he attempted to charge was approximately {$2300.00}, an amount that was never discussed, agreed to, or authorized at any time. This {$2300.00} balance was never mentioned in any conversation. On XX/XX/year>, XXXX XXXX again attempted to charge my card for approximately {$2300.00} without authorization. This is now at least the third unauthorized debit attempt for an amount that was never discussed or approved. To summarize : I repeatedly stated I could not afford payment I never authorized any electronic charges I never authorized a {$2300.00} amount I was threatened with legal action despite no judgment Repeated unauthorized debit attempts were made after I stopped communication I have disputed this account with all three credit bureaus. I am requesting CFPB assistance to stop unauthorized electronic fund transfer attempts, halt unlawful collection activity, and correct or delete inaccurate credit reporting.

Company response to consumer: Closed with explanation