Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: T.S. Holdings
State: WA

Complaint narrative:
Re : I.Q. Data International , Inc. - Case Reference # XXXX Deceptive Practices, Misrepresentation of Law, and Failure to Validate Debt I am filing a formal complaint against I.Q. Data International , Inc. for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Washington Consumer Protection Act. These violations include aggressive and deceptive collection practices regarding a disputed debt of {$620.00}. The debt originated from a " double-payment '' administrative error by the creditor ( XXXX XXXX ) 20 months ago. Despite my timely written dispute via Certified Mail and my offer to pay the full principal amount ( {$540.00} ) to resolve the error, the agency has broken the following laws : XXXX. False Representation of Legal Status of Debt ( Violation of 15 U.S.C. 1692e ) : On XX/XX/year>, I spoke with an I.Q. Data representative ( Agent : XXXX XXXX ) regarding this disputed balance. In the recorded call ( Audio_Evidence_Call_Transcript.wav ), the agent explicitly stated : " It is state mandated interest in the State of Washington... we can't remove it. '' This is a lie. Washington RCW 19.52 sets a maximum interest rate but does not mandate that a collector charge it. The agency used this false claim of " government mandate '' to deceptively coerce payment of optional fees. 

2. Unfair Practices & Creditor Negligence ( Violation of 15 U.S.C. 1692f ) : This debt is not for unpaid rent, but for an administrative error ( " double-payment of security deposit '' ) made by the creditor 20 months ago. 

- Evidence of Negligence : As shown in Attached Email Exhibit A ( Original Inquiry ), I contacted the creditor immediately upon learning of the error to request a ledger. They failed to respond for 18 months. 
- Admission of Error : As shown in Attached Email Exhibit B ( XXXX XXXX ), the current leasing manager acknowledged the creditor 's previous errors and lack of response. 
- The Violation : I.Q. Data is attempting to profit from negligence by enforcing interest that accrued solely because the creditor ignored my inquiry. They refused my offer to pay the principal ( {$540.00} ) to close the account, prioritizing disputed fees over resolution.

3. Illegal Credit Reporting & Failure to Cease Collection ( Violation of 15 U.S.C. 1692g ) : I initiated a formal dispute via Certified Mail on XX/XX/year> ( with USPS certified receipt ). Under the FDCPA, the collector must cease collection and credit reporting until they provide verification. Instead, the agency : - Failed to provide the requested itemized ledger to validate the interest. 
- Proceeded to report the derogatory mark to my credit file after the dispute was initiated. 
- Continued to demand payment in full without validating the debt. 

XXXX. Harassment and Evasion ( Violation of 15 U.S.C. 1692d ) : The agency has demonstrated a pattern of evasion. On multiple occasions ( including the morning of XX/XX/XXXX ), when I attempted to cite specific statutes ( RCW 19.52 or FDCPA ) to challenge their claims, agents immediately terminated ( hung up ) the call. This conduct appears calculated to prevent me from asserting my rights on a recorded line.

Company response to consumer: Closed with explanation