Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: FL

Complaint narrative:
I am formally disputing an apartment-related debt being collected and reported by IQ Data XXXX XXXX because the alleged damages were pre-existing and improperly attributed to me. I moved into the apartment in XX/XX/XXXX and completed the required move-in inventory and condition form at the beginning of the tenancy. On that form, I documented multiple pre-existing issues within the unit, including flooring/carpet damage. IQ Data XXXX has now provided a copy of the move-in inspection form, and the document itself reflects handwritten notes regarding the flooring condition at move-in. During my tenancy, maintenance requests were submitted regarding the flooring issue, and management attempted repairs. The repairs were unsuccessful and the flooring problem continued afterward, demonstrating that management was aware of the condition during occupancy and that the issue was ongoing in nature rather than newly caused tenant damage. Despite this documented history, I was later charged for flooring-related damages after moving out, and the alleged balance was placed with IQ Data XXXX XXXX for collection and reported to XXXX XXXX and XXXX I disputed the account with the credit bureaus and requested investigations into the accuracy of the debt. I also submitted complaints through the Consumer Financial Protection Bureau beginning on or around XX/XX/XXXX. Despite the existence of documentation showing that the flooring condition existed at move-in and was the subject of maintenance and repair attempts during tenancy, the account was still verified and continues to be reported as valid. The documentation now available directly contradicts the claim that the flooring damage originated during my tenancy. IQ Data XXXX has not provided sufficient evidence demonstrating that I caused any new tenant-related damage beyond the pre-existing conditions documented at move-in. No adequate before-and-after evidence, move-out comparison documentation, or proof establishing tenant-caused damage beyond the pre-existing condition has been provided. Additionally, all credit bureaus failed to meaningfully explain the method used to verify the account despite requests for investigation details and supporting documentation. The continued reporting of this disputed and inaccurate account raises serious concerns regarding compliance with the Fair Credit Reporting Act, including the requirement to conduct a reasonable investigation and maintain maximum possible accuracy in credit reporting. Continued collection and reporting of a disputed debt without sufficient validation also raises concerns under the Fair Debt Collection Practices Act. This inaccurate account has caused significant financial and emotional harm. Because of this false and disputed reporting, I have experienced difficulty obtaining housing and apartments. The continued reporting of this account has negatively impacted my credit profile and rental opportunities despite evidence showing the alleged damages were pre-existing and known during tenancy.

Company response to consumer: Closed with explanation