Consumer complaint received 2025-08-01 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: SC

Complaint narrative:
On XX/XX/2025, at approximately XXXXXXXX XXXX, I was contacted by IQ Data International regarding a debt of {$2800.00}, which I acknowledged was owed to my former landlord due to an early lease termination penalty. I had previously misread an email regarding the deadline to pay the amount directly to the property manager and missed the window to resolve it before it went to collections. 

During the initial call, I spoke with a representative named XXXX. I explained the situation and asked if a payment plan was possible. XXXX confirmed that a payment plan could be set up and asked to conduct an internal eligibility determination. She explicitly stated this was not a credit check. 

However, she then proceeded to ask for extremely detailed financial information, including : My income and monthly expenses, my employer name and my role, how long I had been at my current role, my number of credit cards and their available limits, and whether I had enough available credit to cover the full balance. 

I cant recall if I was asked for my Social Security number, but based on the depth of the questions, I became concerned afterward that this may have been a soft or hard credit inquiry disguised as an internal review. To date, I have not received confirmation as to whether a credit report was pulled. 

After placing me on hold, XXXX returned and abruptly reversed course, saying they would not offer a payment plan and instead strongly encouraged me to pay the full balance using a credit card. When I explained I was at work and didnt have access to the credit cards that could cover that amount ( they were at home ), the tone of the conversation drastically changed. 

XXXX, who had previously been polite, became combative, rude, and accusatory. She questioned why I couldnt use the cards in my wallet ( which did not have sufficient limits ) and suggested I was being evasive. I reiterated my intent to pay and told her I would call back on my lunch break in about an hour. She pressed me to confirm exactly when I would pay and told me the account would be reported to the credit bureaus unless I made the payment within the hour. 

She then transferred me to a second person named XXXX, who I believe was a supervisor. XXXX confirmed the threat to report the account to credit bureaus if I didnt pay within that hour and expressed a similarly dismissive and rude attitude, acting like I was wasting their time. I ultimately called back and paid the full amount that day, under pressure, using a credit card that will now accumulate interestinterest I was trying to avoid by requesting a payment plan. 

When I later called to request recordings or transcripts of the call, I was told they would not be provided unless I had an attorney. 

My chief concerns are as follows : A potential misrepresentation of a credit inquiry I was told it was not a credit check, yet provided information that could have supported one, and I still do not know if one was done. 

Coercive tactics I was pressured to pay using a credit card under a tight deadline, with threats of credit reporting if I did not. 

Aggressive and unprofessional behavior The tone of both XXXX and XXXX was hostile, condescending, and designed to intimidate. 

Lack of transparency I was denied access to call recordings or written transcripts unless I had legal representation. 

Lack of agency The lawyer I spoke to later suggested I leave it alone since these complaints don't do anything and these companies never get in trouble and what they did didn't violate the law explicitly.

Company response to consumer: Closed with explanation