Consumer complaint received 2026-04-07 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: AZ

Complaint narrative:
RE : Formal Complaint Against IQ Data International , Inc. FDCPA Violations Dear CFPB Complaint Team, I am filing this complaint against IQ Data International , Inc. XXXX also operating as XXXX XXXX ), a debt collection agency located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX WA XXXX. I am alleging violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., specifically Sections 1692d ( harassment and abuse ) and 1692e ( false and misleading representations ). On Tuesday, XXXX XXXX, 2026, I called IQ Data International , Inc. regarding an alleged debt of {$300.00} related to my former residence at Curve at XXXX XXXX in XXXX, Arizona. After speaking with two initial representatives, I was transferred to a representative who identified himself as XXXX XXXX. At approximately XXXX PM, I was transferred to XXXX XXXX ( or XXXX, refused to verify name ), I proactively informed XXXX XXXX that I was aware of the debt, had been waiting to receive written documentation ( as I suspect my mail forwarding through XXXX had been delayed ), and was fully prepared to make payment on Friday, XX/XX/year>2026 just two days away. Rather than accepting this reasonable arrangement, XXXX XXXX responded with the following conduct : Demanded immediate payment, stating : " No, you have to pay today and you don't tell us how this is going to go. '' Issued threats, stating something to the effect of : " If you don't pay today, we'll take action ... '' Made a demeaning and dehumanizing statement, saying : " Your heartbeat is no longer on their property and they no longer want anything to do with you, '' in apparent reference to my former apartment. When I pushed back on his abusive tone, XXXX XXXX asserted repeatedly : " I can speak to you however I like, '' and implied this right was derived from the existence of my alleged debt, suggesting that because I owed a debt, I was obligated to accept abusive treatment. For context : my departure from Curve at XXXX was amicable. I spent two days cleaning the unit before lease end, and the remaining balance of {$300.00} consisted of touch-up paint, carpet cleaning, prorated utility charges, and a unit cleaning fee. I had attempted to pay this balance via the Bilt Rewards app on or around XXXX XXXX, 2026, and sent an email to assistant property manager XXXX XXXX documenting my attempt. I was subsequently informed the account was being sent to collections. There was never any intent to evade this debt. I was actively seeking to resolve it. The conduct of representative XXXX XXXX was entirely unprovoked, abusive, and in direct violation of federal consumer protection law. I left this phone call shaken, emotionally distressed, and disturbed. I was already in a fragile financial situation, and the abusive and threatening tone of this representative caused significant emotional harm. These actions constitute violations of : 15 U.S.C. 1692d Prohibiting harassment, oppressive conduct, and abusive language by debt collectors. 15 U.S.C. 1692d ( 2 ) Prohibiting the use of obscene or profane language, and language intended to abuse the hearer. 15 U.S.C. 1692e Prohibiting false, deceptive, or misleading representations in connection with debt collection, including threats of action not intended or legally permissible. CFPB Regulation F Regarding fair and transparent debt communication standards. I am requesting that the CFPB investigate IQ Data International , Inc., document this complaint as part of its ongoing consumer complaint database, and take any enforcement action appropriate given this company 's extensive documented pattern of similar behavior ( over XXXX CFPB complaints on record ). The recorded call from XXXX XXXX, 2026 should be obtainable from IQ Data International as they confirmed the call was being recorded. Respectfully,

Company response to consumer: Closed with explanation