Consumer complaint received 2023-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: MN

Complaint narrative:
IQ Data International on XX/XX/XXXX put a collection on my credit reports. It was from an apartment complex in XXXX XXXX Minnesota ; after legally being able to get out of a lease - due to a fireplace that leaked smoke into the unit from adjoining units fireplace. This caused years of damage to my health, and smoke into the apartment. The apartment complex " XXXXXXXX XXXX XXXX XXXX '' claimed they remedy the situation, however according to a chimney inspector professional it was stated that the chimney needed to be rebuilt, as there were cracks in it. XXXX XXXX XXXXXXXX XXXX never took action upon this ; and just documented it on there records that it was fixed. Well due to this factor, and also a continued mold in the walls in the hvac closet & adjoining bathroom wall was a health hazard, and was repaired once, but thus came back again ( reverified in XXXX ), as I was looking at my old apartment # XXXX. However, in XX/XX/XXXX after battling XXXX and XXXX XXXX myself and other half had lost our only son at age XXXX. I with being XXXX was not able to work, and my other half could not continue working due to the stress effects after the death of our son. Therefore, I used the clause in the Lease agreement to move out, and get out of the lease. But, the apartment about 1 month after leaving billed me for a supposed Buy out of lease. The loss of income resulted in XXXX not having any other choice, but to move out and then we became homeless. The end result though was XXXX XXXX XXXXXXXX XXXX sent this non-paid bill to IQ Data International and as of XX/XX/XXXX in the amount of XXXX as a collections which went onto my credit reports. Still to this day almost 5 years later, I have been homeless & no apartments would let me rent and be on a lease. This has wrecked and caused so much anxiety & stress in life, and has ruined my life even more. My apartment at XXXX XXXX XXXX XXXX had been over a period of 13 years ... a very long term and good resident! Under the law regarding XXXX and XXXX XXXX it has applied to a discharge of my education loan, and also applies to Collections. I have contacted IQ Data International on many occasions via email, and the most recent was XX/XX/XXXX. As of XX/XX/XXXX there has been no response via email or my mailing address. I clearly stated this law with a Federal Document showing such, in addition to my verification of Permanent and Total XXXX proof that provided forgiveness to my education loans. This collection company is the worst ever, and plenty of reviews are on the internet that testify to this. IQ Data International if you call will be very rude, make threats, try to get someone to give them a credit card information and push paying the collection in full. There is no professionalism whatsoever, and ignoring my numerous requests is not in accordance with the law. I as a Permanent and Total XXXX individual, also with no income being exempt from this debt, qualifies for my collection to be completely removed from all credit bureaus ... .and immediate action taken.!!

Company response to consumer: Closed with non-monetary relief