Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: CA

Complaint narrative:
I am filing this complaint against IQ Data International , Inc. for repeated and ongoing violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), including abusive conduct, false representations, unlawful balance inflation, failure to validate a disputed debt, and causing measurable professional harm.

IQ Data International claims I owe an alleged debt. I have formally disputed this account and requested debt validation on three ( 3 ) separate occasions. These requests have been ignored. To date, IQ Data International has failed to provide any legally required validation, including photo documentation, itemized statements, proof of liability, or proof of their authority to collect. 

I have spoken directly with a supervisor at IQ Data International, who confirmed and verified that debt validation statements would be sent. Despite this representation, no validation was ever provided. This constitutes misrepresentation and demonstrates a failure of supervisory oversight.

Further, the assigned account manager has engaged in abusive and coercive conduct, including aggressive demands for payment while the account was in active dispute. During these interactions, the account manager made statements that I perceived as threatening to my personal wellbeing, creating intimidation and distress. This conduct appears to violate 15 U.S.C. 1692d, which prohibits harassment or abuse.

Despite the absence of validation, IQ Data International has continued collection activity and credit reporting in violation of 15 U.S.C. 1692g. Additionally, IQ Data International has continued to accrue and assess interest and balance increases on this disputed and unvalidated account without providing contractual authority permitting such charges. Inflating the balance of an unverified debt constitutes a false representation of the amount owed under 15 U.S.C. 1692e and an unfair practice under 15 U.S.C. 1692f.

IQ Data International is furnishing information to consumer reporting agencies that it can not substantiate or lawfully verify. A credit bureau dispute was denied despite the furnishers failure to produce documentation, raising concerns of reckless or false verification in violation of 15 U.S.C. 1681s-2 ( b ).

The account manager has neglected all reasonable attempts to rectify this matter, instead continuing to pursue payment, accrue interest, and report the account without lawful validation. I have specifically requested photo documentation of any alleged damages or charges and a complete itemized statement to establish both the existence of the debt and my legal responsibility, and these requests have been ignored. 

As a direct result of IQ Data Internationals continued inaccurate reporting and failure to validate this alleged debt, I have lost a professional employment opportunity as a XXXX XXXX a position requiring a thorough background and credit review. This represents concrete, career-impacting harm.

IQ Data Internationals actions have caused ongoing damage, including inaccurate credit reporting, balance inflation, professional harm, emotional distress, and interference with my ability to obtain employment and credit.

I respectfully request that the CFPB : Require IQ Data International to provide full debt validation, including photo documentation, itemized statements, proof of contractual liability, and proof of any authority to assess interest, or Order the immediate cessation of all collection activity and deletion of the account from all consumer reporting agencies Investigate IQ Data Internationals supervisory practices, dispute handling, verification methods, balance calculations, and use of abusive collection tactics This account remains formally disputed, unverified, and contested. I deny owing this alleged debt in its entirety and request immediate regulatory review and corrective action

Company response to consumer: Closed with explanation