Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: FL

Complaint narrative:
My wife and I moved out of an apartment managed by XXXX XXXX XXXX on XXXX XXXX, XXXX, because I transferred locations ( out of state ) for employment. The manager, approved our early lease termination, without penalty, as I had previously mentioned it to her, in-person. We paid our prorated rent for XXXX XXXX and monthly fees of {$85.00}, that cleared my bank on XX/XX/XXXX. When the manager received the utilities bill for the previous month, she phoned me with the amount, and I wrote another check for {$140.00} that cleared my bank on XXXX XXXX, XXXX. Shortly thereafter, we received our full deposit back. 

It wasn't until XX/XX/XXXX, that I received a bill, in my name stating that I owed money. To our surprise, I contacted I.Q. Data International , Inc., immediately, and spoke with a gentlemen, whose name I could not get. When I asked him what I owed the money for he said, " Maybe it's for touch-up painting or cleaning or other late charges. '' When I told him that we already paid everything and received our deposit back and that this must be a mistake, he insisted it was correct. I told him that the information was incorrect and that we owed nothing, which would have been their verbal cue to investigate the matter. At this time, I requested the walk-through that mentioned any damages or repairs ( there were none, I have a video of the entire apartment walk-through that I did with my wife ). Additionally, the apartment manager did a walk-through with us. This young man also told me that some charges might have to do with COVID. '' We paid our rent throughout COVID. 
Then, I was transferred to XXXX XXXX who preceded to ask me personal questions like : " Where do you work? '' " What is your monthly income? '' When I told him that I do not have to answer those questions, he told me that in order for them to send me verification of my debt, I would have to answer his questions. 

I also mentioned that some time after we moved out, we received a strange email mentioning to click on the link to pay money that we owe XXXX XXXX XXXX, where we resided. I found it suspicious and immediately phoned the XXXX XXXX XXXX office to let XXXX know. She told me that she was receiving other calls, and there must have been a data breach and not to open the email. I did not, and deleted it. I explained this supposed data breach to both gentlemen. 

Fast forward to XXXX XXXX, XXXX - I called .Q. Data and asked XXXX to connect me with a supervisor. I was transferred to XXXX ( who was not a manager ) told me to email a dispute letter to XXXX. During this conversation he tried to convince me that we moved out on XX/XX/XXXX or the XXXX. I sent an email requesting validation of the debt within 5 working days. I also phoned XXXX XXXX XXXX and spoke with XXXX who told me that their office has no information on collection accounts and I have to contact the Collection Agency directly. When I asked to be transferred to the appropriate department that would have that information, that there has to be a department that has the records like bookkeeping. she hung up on me. I called two other times, and I left one message, that call was never returned. Shortly thereafter, I emailed a request for the validation of the debt to IQ Data, cc to XXXX XXXX XXXX. 

We finally received the validation of the debt in late XXXX, dated mailed XX/XX/XXXX, but postmarked XXXX XXXX. However, on XXXX XXXX, I.Q. Data had already reported the debt on my wife 's credit report. We immediately wrote a dispute through XXXX This caused her FICA score went down, and they reported the account, but not as disputed, as required. 

On XX/XX/XXXX, I emailed both companies with a three page letter disputing all charges, giving specific reasons and documentation. ( I will attach ) The only thing I told them to ask upon request was the 4.5 minute video I did of the apartment walk-through the day we officially vacated. The still have not asked. I have yet to hear an official response. However, they sent me another bill in the mail, which I wrote another note to them and resent the email with documentation. They continue to not follow the rules. My wife continues to report a new balance with interest and has failed to contact any of the credit agencies in regards to the dispute. 

I already filed a complaint with the XXXX XXXX XXXX, which had hundreds of complaints. I should do one XXXX XXXX XXXX XXXX as well. Om XX/XX/XXXX, I filed a complaint with the Attorney General 's office for the state of Washington. I have started speaking with one particular individual from IQ Data 's office who is keeping me updated of any progress. Thus far, my account shows to be in the dispute department, and I was told that all of my documentation is attached to my file.

Today, I received notification that my credit score dropped 9 points. Please help us! This is not fair, taking advantage of ladies in their late XXXX XXXX. Thank goodness we know better.

Company response to consumer: Closed with explanation