Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverifiable debt information being reported by IQ Data XXXX related to an alleged apartment debt associated with XXXX Apartments. This account is currently being reported to the major credit reporting agencies and is negatively affecting my ability to obtain housing. After reviewing my credit reports and speaking with a representative of IQ Data XXXX on a recorded call, several issues have been identified that demonstrate the account is being reported inaccurately and without proper verification. Conflicting and Inconsistent Reporting During my conversation with IQ Data XXXX representative, XXXX XXXX ( Extension XXXX ), the following dates were provided : Move-out / last charge date : XX/XX/year> Assigned to collections : XX/XX/year> However, the information reported across the credit reporting agencies reflects conflicting and inconsistent dates related to this account. Under the Fair Credit Reporting Act, information furnished to credit reporting agencies must be reported with maximum possible accuracy. Reporting conflicting delinquency dates creates misleading information and calls into question the reliability of the account. Failure to Provide Verification During the same call, I requested documentation validating the alleged debt, including : A signed lease agreement A move-out inspection report or itemized damages statement A complete payment history or ledger Documentation establishing the date of first delinquency Documentation demonstrating legal assignment of the debt to IQ Data XXXX The representative was unable to provide or confirm this documentation and instead instructed me to send a written request for validation. This raises serious concerns as to whether the account was properly validated before being furnished to the credit reporting agencies. Multiple Disputes Without Resolution The representative acknowledged that this account has been disputed multiple times over several years. Despite these disputes, the account continues to be reported with inaccurate information. Under the Fair Credit Reporting Act, furnishers of information must conduct a reasonable investigation when disputes are submitted. The continued reporting of inaccurate information after repeated disputes suggests that a proper investigation has not been conducted. Harm Caused This inaccurate reporting has significantly harmed my ability to secure housing and obtain credit. I am currently being denied apartment applications due to this collection account. Requested Resolution I respectfully request that the CFPB require IQ Data XXXX to : 1. Conduct a proper investigation into this account 2. Provide full documentation validating the alleged debt 3. Correct or delete any inaccurate information being reported 4. Remove the account entirely from my credit reports if it can not be verified with complete and accurate documentation If the company can not provide proper documentation supporting this alleged debt, the account should be immediately deleted from the following credit reporting agencies : XXXX XXXX XXXX

Company response to consumer: Closed with explanation