Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: CA

Complaint narrative:
my name is XXXX XXXX XXXX and disputing multiple items on my credit report that I believe to be inaccurate, incomplete, or unverifiable. 
This statement is submitted as part of my complaint and request for investigation under the Fair Credit Reporting Act ( FCRA ) ,15 U.S.C 1681 et seq. The law requires all information in my credit file be reported accurately and completely, and that any disputed information be properly validated. it is not enough for a creditor or bureau to simplify verify in a system. Verification is not validation. I am demanding validation, meaning documentary proof that the alleged accounts and inquiries are mine, that they were authorized, that the balances are correct and that the furnishers have the legal right to report them. If validation can not be provided, the items must be removed from my credit report There are multiple negative accounts being reported on my profile that I dispute in full. 

XXXX XXXX of XXXX XXXX is reporting XXXX separate child support accounts. The first was opened on XX/XX/XXXX, and shows a balance exceeding {$150000.00}, with inconsistent past due amounts reported across different bureaus ranging from {$65000.00} to over {$150000.00}. The second was opened on XX/XX/XXXX, with balances of {$17000.00} to {$18000.00} and nearly the entire amount reported past due. These inconsistencies suggest either duplicate reporting or errors in the amounts. I request validation of the original obligations, full payment history, and proof that both accounts are legally enforceable and properly reported in my name. 

IQ Data International is reporting a collection account allegedly opened on XX/XX/XXXX, in the amount of {$980.00} tied to XXXX XXXX XXXX WA. I have never received documentation connecting me to this debt. Validation must include the original signed contract, billing statements, and proof of legal assignment. 

XXXX XXXX Bank XXXX is reporting a credit card account opened on XX/XX/XXXX, with a balance of {$230.00}, charged off as a bad debt. XXXX XXXX Bank is reporting a similar charged-off credit card opened on XX/XX/XXXX, with a balance of {$350.00}. XXXX XXXX Bank XXXX XXXX a secured credit card account opened on XX/XX/XXXX, with a balance of {$190.00} marked as charged off. XXXX XXXX XXXX is reporting a revolving account opened on XX/XX/XXXX, with a balance of {$410.00}, of which {$120.00} is past due and the account marked as charged off. XXXX XXXX XXXX, tied to XXXX, is reporting a collection account opened on XX/XX/XXXX, with a balance of {$2400.00}. XXXX XXXX XXXX, tied to XXXX XXXX XXXX Bank, is reporting a collection account opened on XX/XX/XXXX, with a balance of {$150.00}. 

For each of these accounts, I am demanding validation that includes original signed agreements, itemized billing statements, proof of default, and legal proof that the debt buyer or collector has the right to report the account in my name. Without such proof, these accounts must be removed. 
My credit report also lists multiple hard inquiries that I dispute as unauthorized. These inquiries include XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, Bank of Missouri XXXX XX/XX/XXXX, XXXX Card on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX again on XX/XX/XXXX, and another inquiry by XXXX Card on XX/XX/XXXX. 

I do not recall authorizing most of these inquiries, nor did I provide explicit written consent. Under the FCRA, hard inquiries may only be reported if there was a permissible purpose and documented consumer authorization. I request validation in the form of signed applications or records showing my consent. If such proof can not be provided, the inquiries must be deleted.

Company response to consumer: Closed with explanation