Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TX

Complaint narrative:
I am filing this complaint regarding a collection account reported by IQ Data XXXX for an alleged balance originating from a former residential lease. I formally disputed this account directly with IQ Data XXXX via certified mail, which was received on XX/XX/year>. In my dispute, I specifically requested competent documentation supporting the balance being reported, including a complete lease agreement, itemized move-out statement, and invoices or receipts for any alleged repair or damage charges. In response, IQ Data XXXX provided only : A partial lease ( first page and signature page ) An internal ledger/spreadsheet containing summarized charges No invoices, repair receipts, work orders, or itemized documentation supporting the alleged damages This documentation is identical in substance to what was previously provided to me approximately two years ago when I first disputed the account. No additional supporting evidence has been produced despite multiple requests. The ledger provided appears to be an internal accounting summary containing unexplained abbreviations, repeated utility allocations, and multiple write-off entries, including a final write-off to {$0.00}. It does not establish the origin, validity, or accuracy of the charges being reported. Additionally, after receiving my dispute on XX/XX/year>, IQ Data XXXX continued to update the account and added additional interest to the balance on or about XX/XX/year>. No contractual documentation or legal authority has been provided to justify the imposition of post-termination interest. I subsequently disputed this account with XXXX. XXXX completed its reinvestigation and stated that the furnisher certified the account as accurate. However, IQ Data XXXX has not provided any underlying documentation demonstrating that the reported balance is accurate or legally owed. The furnisher appears to be relying solely on an internal ledger provided by the original creditor and does not possess or has not produced the underlying documentation necessary to verify the debt. Despite this, the account continues to be reported as accurate to consumer reporting agencies. Further, I have prior written communications with the property management company indicating that certain charges on the account were incorrect ( including repair charges for damages not caused by me ), and that the account was unable to be corrected due to internal account restrictions. This situation raises serious concerns regarding compliance with the Fair Credit Reporting Act, as the furnisher has verified the accuracy of information that has not been substantiated with competent evidence. I am requesting that IQ Data XXXX : 1. Provide all documentation used to verify this account with the credit bureaus, including invoices, receipts, and itemized accounting supporting each charge, or 2. Immediately delete this account from all consumer reporting agencies if such documentation can not be produced. I am also requesting that XXXX review the adequacy of its reinvestigation, as the account was verified without the furnisher providing underlying documentation supporting the reported balance. This complaint is submitted without admission of liability and with the expectation that inaccurate or unverified information will not continue to be reported

Company response to consumer: Closed with non-monetary relief