Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: CA

Complaint narrative:
I am submitting this complaint regarding a collection account reported by IQ Data XXXX XXXX XXXX in the amount of {$2500.00}, which currently appears on my consumer credit reports. 

On XX/XX/year>XXXX I sent a debt validation request to IQ Data XXXX XXXX XXXX via certified mail to their official mailing address. This request was made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). In this letter, I formally disputed the debt and requested full validation, including but not limited to documentation bearing my physical signature and evidence establishing that the alleged debt belongs to me and my partner. 

According to USPS tracking records, the certified letter was successfully delivered and picked up by IQ Data XXXX XXXX XXXX. Despite receipt of my validation request, IQ Data XXXX has failed to provide any of the requested documentation or otherwise respond. Under the FDCPA, once a consumer disputes a debt in writing, the debt collector must cease all collection activity until proper verification of the debt is provided. Continuing to report or verify the debt to consumer reporting agencies without first validating it constitutes continued collection activity and is a violation of 15 U.S.C. 1692g ( b ). 

Additionally, I disputed this collection account with all three major consumer reporting agencies ( XXXX XXXX XXXX XXXX XXXX pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 and 1681i. I explained that the debt had not been validated and that the collector failed to respond to my certified validation request. Despite this, the credit bureaus reported the account as verified. 

When I requested clarification from the credit bureaus regarding how the debt was verified as accurate, I did not receive a meaningful explanation or documentation describing the method of verification. Under the FCRA, consumer reporting agencies are required to conduct a reasonable investigation and to provide consumers, upon request, a description of the procedure used to determine the accuracy and completeness of the information, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

Furthermore, furnishing or verifying information that has not been substantiated after a dispute may constitute a violation of 15 U.S.C. 1681s-2 ( b ), which requires furnishers of information to investigate disputes and report only accurate and verifiable information. 

At this time, the collection account remains on my credit reports despite : A timely written dispute and validation request sent to the debt collector ; Verified receipt of that request by the collector ; No validation or documentation provided by the collector ; No clear or reasonable explanation from the credit bureaus regarding how the debt was verified. 

I am requesting the CFPBs assistance in investigating this matter and ensuring compliance with the FDCPA and FCRA, including requiring IQ Data XXXX XXXX XXXX and the consumer reporting agencies to either provide proper validation and verification or remove the collection account from my credit reports. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation