Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Urgent Request for Removal of Collections from Credit Report Following Data Breach Dear XXXX and XXXX, I hope this letter finds you well. I am writing to formally address a serious concern regarding my credit report and the impact of a recent data breach that has compromised my personal information and financial wellbeing. 

As you are aware, the security of consumers ' personal data is a matter of utmost importance, especially in light of the frequent data breaches impacting financial institutions and credit reporting agencies. It is with significant distress that I have observed that, despite assurances regarding the resolution of such breaches, my credit report still contains multiple collections that should have been removed, particularly due to the identity theft stemming from this situation. 
XXXX XXXX XXXX removed my payments from my credit report then sends me a bill after paying on- time for 24 months. Then sends documents stating I was getting charged until XXXX when I was given until XX/XX/XXXX of XXXX to vacate property. 

XXXX I paid on-time for over 24 months after failing to fix my vehicle after theft of my heated seats I canceled my policy all on time payments, XXXX failed to honor their contract and fix my vehicle. 
XXXX XXXX XXXX failed to mail my original contract showing all my features I purchased at the time of sale. 

Under the Fair Credit Reporting Act ( FCRA ), I understand that I have the right to dispute any inaccuracies on my credit report. The presence of these collections has adversely affected my ability to acquire credit, impacting not only my financial stability but also my entire quality of life. It is my contention that by failing to adequately address the ramifications of the data breach on your reporting, both XXXX and XXXX are in violation of my rights as a consumer under the FCRA. 

Moreover, I have taken necessary steps to dispute these fraudulent collections, and I have filed reports with the necessary authorities regarding the identity theft. Yet, it seems that the necessary removals have not been executed in a timely manner, leaving me to suffer the consequences. This negligence is unacceptable, and I urge both agencies to take immediate action to correct these inaccuracies on my credit report. 

I kindly request that you conduct a thorough review of my credit file and take the following actions : 1. Remove all collections associated with fraudulent activity that is a direct result of the data breach.

2. Provide written confirmation once the items are successfully removed, ensuring that my report reflects my true creditworthiness.

3. Implement safeguards to protect against future data breaches and unauthorized use of my information.

Please note that I am keeping records of all correspondence related to this matter and may consider seeking legal counsel if this issue is not resolved promptly. I trust that you both value your customers ' rights and will act swiftly to rectify the situation. 

Thank you for your immediate attention to this critical issue. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation