Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: T.S. Holdings
State: UT

Complaint narrative:
URGENT CFPB COMPLAINT - SYSTEMIC CREDIT REPORTING VIOLATIONS & LITIGATION NON-COMPLIANCE ( FILED CASE IGNORED ) Dear CFPB Enforcement Division, I am writing to submit a formal and urgent complaint on behalf of myself, XXXX XXXX, and my wife, XXXX XXXX XXXX, concerning ongoing, willful, and devastating violations of our rights under federal and state consumer protection laws by the following entities : - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Equifax XXXX XXXX XXXX XXXX XXXX Emergency Complaint to CFPB - XXXX XXXX XXXX XXXX XXXX - XXXX  XXXX I. NATURE OF THE EMERGENCY This is not a simple consumer dispute-it is an escalated matter of legal noncompliance and continued XXXX On XX/XX/year>, we filed a formal lawsuit in XXXX XXXX XXXX XXXX ( Complaint attached ), outlining a pattern of misconduct, including false reporting, failure to investigate disputes, and refusal to remove inaccurate and unvalidated information. None of the named Defendants have responded to the Complaint within the required statutory timeframe. As a result, we are requesting emergency enforcement action by the CFPB and immediate intervention to address the following : XXXX. SPECIFIC HARMFUL ACCOUNTS & CONSUMER REPORTING ABUSE XXXX XXXX XXXX - Violations by XXXX. XXXX XXXX & All CRAs - Furnishing of inaccurate collection data regarding a disputed debt from XXXX Close Apartments. - Failure to validate the debt after multiple written disputes submitted directly to XXXX. XXXX XXXX. - Continued reporting of derogatory tradelines in violation of XXXX XXXX. XXXX ( b ). - Credit bureaus ' failure to conduct reasonable reinvestigation after notice of dispute ( XXXX XXXX. XXXX ). - All inquiries made related to this invalid debt remain on file, violating XXXX XXXX. XXXX ( f ). Page XXXX Emergency Complaint to CFPB XXXX XXXX XXXX XXXX - Violations by XXXX XXXX XXXX, Dept. of XXXX & All CRAs - Unverified XXXX XXXX  Auto collection account, never validated under the FDCPA, continues to report as derogatory. - Department of Education tradelines, despite being the subject of repeated disputes, remain unresolved. - CRAs failed to conduct reasonable reinvestigations under XXXX XXXX. XXXX. - XXXX XXXX XXXX and DOE have provided no verification and continue furnishing data in violation of XXXX XXXX. XXXX. XXXX. DEFENDANTS ' FAILURE TO RESPOND TO FILED LAWSUIT Under California and XXXX XXXX XXXX, Defendants are legally required to respond to complaints within 30 days. As of today 's date, over 100 days have passed without a single answer, motion, or appearance. This represents : - Complete disregard for judicial process - Willful attempt to ignore consumer protections - Escalation of harm through delay and neglect IV. DAMAGES & HUMAN IMPACT - Denial of housing and vehicle financing - Inability to fund our small business - Worsening XXXX and XXXX XXXX Page XXXX Emergency Complaint to CFPB - Reputational and financial harm - Loss of opportunity, trust, and XXXX V. RELIEF REQUESTED FROM THE CFPB We respectfully and urgently request the CFPB to : XXXX. Launch an immediate enforcement investigation into all named entities. XXXX. Ensure immediate removal of : - XXXX XXXX XXXX and ALL inquiries from XXXX XXXX 's credit file - XXXX  XXXX Auto collection, Dept. of XXXX tradelines, and ALL inquiries from XXXX XXXX 's file XXXX. Evaluate penalties for each party 's failure to respond to a filed legal complaint. XXXX. Notify us of investigative action and timeline. VI. ATTACHED DOCUMENTATION - Filed lawsuit : XXXX XXXX XXXX. DXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX, XX/XX/year> ) XXXX. DAMAGES & COMPENSATION REQUESTED UNDER XXXX & XXXX XXXX Given the prolonged nature of the violations and the intentional, willful disregard of federal and state consumer protections, we request that the CFPB seek and/or recommend the following financial remedies to be pursued in litigation and enforcement : XXXX. Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX, XXXX Statutory damages : Up to {$1000.00} per violation, per Defendant Punitive damages : As determined by the court for willful noncompliance Actual damages : Including financial losses, emotional distress, and consequential damages Attorneys fees and costs XXXX. Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX. XXXX Statutory damages : Up to {$1000.00} per Plaintiff Actual damages : XXXX mental anguish and suffering XXXX fees and costs XXXX. XXXX Fair Debt Collection Practices Act ( XXXX ) XXXX. XXXX. Code XXXX Statutory damages : Up to {$1000.00} per violation Actual damages and attorneys fees XXXX. California Consumer Credit Reporting Agencies Act ( XXXX ) XXXX. XXXX. Code XXXX Statutory damages : {$100.00} to {$5000.00} per violation Injunctive relief, punitive damages, actual damages, and attorney fees Estimated total recoverable damages exceed {$250000.00}, exclusive of additional punitive damages to be determined by the court. We request CFPB support and enforcement to ensure all financial remedies are preserved, calculated, and pursued to the fullest extent of the law. This is a call for help and enforcement. We have followed the law and exhausted all proper channels. We now ask you to act.

Company response to consumer: Closed with explanation