Consumer complaint received 2025-03-21 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Final Notice Cease Collection Attempts & Delete Invalid Debt To Whom It May Concern, This letter serves as a formal demand for your company to immediately cease all collection activities regarding an alleged debt associated with my lease at XXXX XXXX XXXX XXXXXXXX. Your continued collection efforts violate the Americans with Disabilities Act ( ADA ), the Fair Housing Act ( FHA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Fair Credit Reporting Act ( FCRA ). 

Legal Violations Supporting My Claim : 1. Fair Housing Act ( FHA ) & Americans with Disabilities Act ( ADA ) Violations I formally requested a reasonable accommodation to terminate my lease due to a disability-related need ( severe anxiety triggered by a safety incident ).

Under 42 U.S.C. 3604 ( f ) ( 3 ) ( B ) ( FHA ), landlords are required to grant reasonable accommodations to tenants with disabilities. 
The landlords failure to accommodate my request, and the subsequent attempt to collect an invalid debt, constitutes discrimination and retaliation, both of which are illegal.

2. Fair Debt Collection Practices Act ( FDCPA ) Violations 15 U.S.C. 1692 et seq.

Your company is attempting to collect a debt that is legally unenforceable under federal disability housing laws.

Under 15 U.S.C. 1692e, it is a violation to misrepresent the legal status of a debt.

Pursuing collection on an invalid debt constitutes false, deceptive, and unfair debt collection practices, for which I may seek statutory damages up to {$1000.00} per violation.

3. Fair Credit Reporting Act ( FCRA ) Violations 15 U.S.C. 1681s-2 ( b ) You are reporting this debt to credit bureaus even though it should not exist due to fair housing protections.

Furnishing inaccurate information is a violation of the FCRA, and failure to correct it may result in statutory and actual damages.

Formal Demand for Method of Verification ( MOV ) FCRA 611 ( a ) ( 7 ) I request that you provide : Proof that this debt is valid despite federal fair housing protections.

Documentation showing my reasonable accommodation request was lawfully denied.

Verification that your company has legal authority to collect this debt.

Required Actions Within 15 Days : Cease all collection activities related to this invalid debt. 
Remove the collection account from my credit reports immediately. 
Provide written confirmation of compliance with this request. 

Failure to Comply Will Result in Legal Action If you fail to comply with this request, I will be left with no choice but to : File complaints with HUD, the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states fair housing enforcement agency ( XXXX, if in California ). 
Pursue legal action in federal court for violations of the FHA, ADA, FDCPA, and FCRA. This lawsuit may seek : Statutory damages under the FDCPA ( {$1000.00} per violation ). 
Actual damages for emotional distress, credit damage, and financial loss. 
Punitive damages for intentional discrimination under the FHA.

Attorneys fees, as provided under federal law. 

This letter serves as your final notice. If I do not receive a response within 15 days, I will proceed with legal action.

Company response to consumer: Closed with explanation