Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TX

Complaint narrative:
Company : IQ Data XXXX XXXX XXXX. 
Product : Debt collection Issue : Attempted to collect debt not owed/ failed to provide validation / unlicensed to collect in my state Submitted by : XXXX XXXX, Texas resident Summary of Complaint I am filing this complaint against IQ Data XXXX XXXX XXXX for multiple, ongoing violations of federal and state consumer protection laws. 

IQ Data XXXX is attempting to collect a debt allegedly owed to XXXX XXXX XXXX TX in the amount of {$4600.00}, which they have reported to credit bureaus despite failing to provide required debt validation. 

Key Facts and Violations Failure to Validate Debt ( FDCPA 1692g ( b ) ) I sent a written validation request via certified mail on XX/XX/year> ( XXXX XXXX # XXXX ). 

More than 120 days have passed without any validation documents. 

XXXX XXXX continues to report the debt to credit bureaus in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Illegal Furnishing of Unvalidated Debt ( FCRA 1681s-2 ( a ) ) IQ Data has admitted in its prior CFPB response that the account is disputed, yet continues to report it.

Furnishing disputed, unvalidated data violates the Fair Credit Reporting Act ( FCRA ) and exposes consumers to inaccurate credit reporting. 

Unlicensed Collection Activity in Texas ( Texas Finance Code 392.101 ) I verified through the XXXX XXXX XXXX XXXX ( XXXX ) and the Texas Office of Consumer Credit Commissioner ( OCCC ) that IQ Data XXXX is not licensed to collect debts in the State of Texas, where I reside. 

Under Texas law, an entity must hold an active debt collection license to collect or attempt to collect debts from Texas residents. 

Operating without a license constitutes unlawful collection activity under Texas Finance Code Chapter 392, and any continued collection or credit furnishing in Texas is illegal.

Misrepresentation and Inaccurate Consumer Data IQ Data has misidentified me in its CFPB correspondence ( referring to me as XXXX XXXX ), which raises concerns about the accuracy of their consumer records and reporting systems. 

Prior Actions Taken Filed an original CFPB complaint ( Case # XXXX ) regarding failure to validate the debt. 

Sent validation request via certified mail ( proof of delivery attached ). 

Filed complaint with the Texas Office of Consumer Credit Commissioner ( OCCC ) for unlicensed activity.

Disputed the account directly with XXXX, XXXX, and XXXX. 

Desired Resolution I am requesting that the CFPB : Investigate and confirm that IQ Data XXXX is not licensed to collect debts in Texas. 

Require IQ Data XXXX to cease all collection and credit reporting activity related to this account. 

Direct the company to delete the unvalidated and unlawfully reported account from all credit bureaus.

Refer this matter to the Texas Office of Consumer Credit Commissioner ( OCCC ) and FTC for coordinated enforcement action against unlicensed collection activity.

Provide written confirmation that the companys response and compliance actions are recorded in the CFPB Consumer Complaint Database. 

Attachments to Upload XXXX  Consumer Access screenshot showing no Texas license for IQ Data XXXX CFPB complaint closure confirmation ( Case # XXXX ) Certified mail proof of debt validation request Credit report excerpt showing continued reporting Timeline of communication and non-response Closing IQ Data Internationals conduct demonstrates a pattern of noncompliance, misrepresentation, and unlicensed collection activity in violation of both federal and Texas state law. 
I request prompt investigation and enforcement to protect my rights under FDCPA, FCRA, and Texas Finance Code Chapter 392. 

Complainant : XXXX XXXX XXXX XXXX Texas XXXX

Company response to consumer: Closed with explanation