Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: MO

Complaint narrative:
Issue : Attempts to collect debt not owed / False statements or misrepresentation / Failure to provide complete debt validation / Continued inaccurate credit reporting after dispute Reference Prior CFPB Complaint : Case # XXXX ( closed XX/XX/XXXX " non-monetary relief '' ) COMPLAINT NARRATIVE I am filing this second CFPB complaint against I.Q. Data International , Inc. ( " IQ Data '' ) because their response to my prior complaint ( Case # XXXX ) was legally insufficient, factually misleading, and their violations have continued and escalated. BACKGROUND : XXXX XXXX is attempting to collect an alleged debt of {$13000.00} on behalf of XXXX XXXX XXXX XXXX XXXX at XXXX XXXX ( XXXX XXXX XXXX ), related to my former tenancy at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX I moved out on XX/XX/XXXX. This account has been reported to my TransUnion and Equifax credit reports since approximately XX/XX/XXXX. VIOLATION XXXX INCOMPLETE DEBT VALIDATION ( FDCPA XXXX ) : In response to CFPB Complaint # XXXX, IQ Data claimed it had provided validation documents to me. What they actually mailed was : XXXX. A unilateral XXXX XXXX printout from XXXX property management 's internal system ( not independent verification of the debt ) XXXX. Approximately XXXX ( XXXX ) pages of the lease contract My executed lease agreement ( RentCafe Document ID XXXX ) explicitly states on its Document Information page that it contains XXXX pages and XXXX separate addenda all legally incorporated into the contract. IQ Data withheld more than 85 % of the executed legal document. This is not valid debt validation. IQ Data 's CFPB response was misleading when it claimed validation was provided. VIOLATION XXXX UNDOCUMENTED AND UNAUTHORIZED CHARGES ( FDCPA XXXX ( XXXX ) ) : The Resident Ledger IQ Data provided contains the following charges for which zero supporting documentation has been provided : XXXX. Refrigerator Replacement : {$1500.00} ( no invoice, no photos, no proof of damage beyond normal wear ) XXXX. Bulk Trash Removal XXXX items at {$50.00} each : {$850.00} ( no manifest, no photos ) XXXX. Trash Removal XXXX bags at {$25.00} each : {$550.00} ( no photos ) XXXX. Countertop Repair : {$540.00} ( no invoice, no photos ) XXXX. XXXX XXXX/ Anti-Cannabis / Ozone : {$160.00} ( no photos, no proof of substance ) XXXX. XXXX XXXX : {$1200.00} ( no proof of conditions required to assess this charge ) XXXX. Legal fees charged mid-tenancy : {$460.00} ( no court records provided ) Total undocumented charges : over {$5400.00}. XXXX XXXX is collecting amounts that have not been verified and XXXX not be authorized under the original lease agreement or by law. VIOLATION XXXX BALANCE INFLATION ( FDCPA XXXX ( XXXX ), XXXX ( XXXX ) ) : This account was originally reported at {$12000.00} in XX/XX/XXXX. As of XX/XX/XXXX, XXXX XXXX is reporting {$13000.00} to TransUnion a {$1700.00} increase with no explanation, no documentation, and no legal basis provided to me. This constitutes misrepresentation of the amount of the debt and collection of an unauthorized amount. VIOLATION XXXX CHAIN OF TITLE NOT ESTABLISHED : The lease identifies the owner as " XXXX XXXX, XXXX. '' IQ Data 's CFPB response references " Timber Lakes, formerly known as Timber Lakes at XXXX XXXX. '' IQ Data has never produced a signed assignment agreement, a debt purchase agreement, or any documentation proving it legally owns or has authority to collect and report this debt. VIOLATION XXXX CONTINUED CREDIT REPORTING AFTER DISPUTE ( FCRA XXXX ( XXXX ) ) : Despite the active dispute and the materially incomplete validation, IQ Data continues to report this account to TransUnion and Equifax with XXXX escalating balance, causing ongoing and documented harm to my creditworthiness.

Company response to consumer: Closed with non-monetary relief