Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: AZ

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Reporting IQ Data International To Whom It May Concern, I am writing to formally dispute inaccurate and inconsistent information being reported on my credit file by IQ Data International across all XXXX major credit bureaus : XXXX XXXX XXXX XXXX After carefully reviewing my consumer reports, I have identified multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as well as non-compliance with XXXX XXXX reporting standards. Summary of Dispute The account in question is being reported inconsistently and inaccurately across the credit bureaus : - XXXX reports the account as an open account with no proper account classification, while simultaneously stating placed for collection in the comments section and providing no payment summary. - XXXX reports the same account as a collection account, but does not include any comments, payment history, or required descriptive details. - XXXX reports the account as a collection account and includes a balance updated date ( XX/XX/XXXX ), while the other bureaus do not report any such date and instead display incomplete or missing balance update fields. Additionally, all three bureaus are reporting this account as being in collection status every month from XX/XX/XXXX through XX/XX/XXXX, which creates a misleading impression of ongoing delinquency activity. Violations Identified These discrepancies constitute clear violations of federal law and reporting standards, including but not limited to : FCRA Violations - 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy. - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information known or reasonably believed to be inaccurate. - 15 U.S.C. 1681s-2 ( a ) ( 2 ) Failure to correct and update incomplete or inaccurate information. - 15 U.S.C. 1681s-2 ( a ) ( 3 ) Failure to provide notice of dispute. - 15 U.S.C. 1681c ( a ) Improper reporting practices affecting completeness and accuracy of consumer reports. FDCPA Violations - 15 U.S.C. 1692e ( 2 ) ( A ) False representation of the character, amount, or legal status of a debt. - 15 U.S.C. 1692e ( 8 ) Communicating credit information known to be false or failing to communicate that a debt is disputed. - 15 U.S.C. 1692f Use of unfair or unconscionable means to collect or attempt to collect a debt. XXXX XXXX Compliance Violations- Failure to accurately report : - Account Status Codes- Payment Rating - Date of First Delinquency ( DOFD ) - Balance Updated Fields consistently across bureaus - Inconsistent reporting of account type ( open vs. collection ) violates XXXX XXXX XXXX Format Guidelines. XXXX ( Uniform Consumer Account Activity ) Compliance Issues - Misrepresentation of account status and activity cycles. - Improper repeated monthly reporting of collection status, creating a misleading rolling delinquency effect. Demand for Resolution Based on the above violations, I demand the following actions : XXXX. Provide method of verification/ Validate the debt or Cease reporting and Immediate deletion of this account from my credit file with XXXX XXXX XXXX XXXX XXXX XXXX due to unverifiable and inconsistent reporting ; OR, in the alternative : XXXX. A full and complete investigation, including : - Verification of the original signed contract or agreement ; - Documentation validating the accuracy of the reported account type ; - Proof of the Date of First Delinquency ( DOFD ) ; - Complete and consistent XXXX XXXX compliant reporting across all bureaus. If this information can not be verified with proper documentation and full compliance, it must be deleted immediately pursuant to federal law. Notice Please be advised that failure to correct or delete this inaccurate information within the XXXX investigation period will result in further action, including but not limited to complaints filed with the Consumer Financial Protection Bureau XXXX CFPB ) and potential legal remedies for willful noncompliance. I request written confirmation of the results of your investigation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation