Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Washington , Dc XXXX XXXX VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED IQ Data XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX RE : FORMAL DISPUTE AND DEMAND FOR DEBT VALIDATION Alleged Account : XXXX Amount Reported : {$17000.00} Original Creditor Claimed : XXXX XXXX XXXX XXXX XXXXXXXX  To Whom It May Concern, This letter constitutes formal notice that I dispute the above-referenced alleged debt in its entirety pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act, 15 U.S.C. 1681. 

Your company is currently reporting a {$17000.00} collection account on my XXXX  credit report without having provided any lawful validation that such a debt is owed, enforceable, or legally collectible by your organization. 

Be advised : unsupported reporting, internal account notes, or computer-generated summaries do NOT constitute debt validation under federal law. 

Accordingly, you are hereby demanded to provide competent, documentary evidence, including all of the following : 1. A copy of the original signed lease, contract, or agreement bearing my signature that allegedly created this obligation.

2. A complete itemized accounting explaining how the amount increased from the alleged original balance of {$17000.00} to {$17000.00}, including dates, fees, penalties, and calculations. 
3. Proof that IQ Data XXXX has legal standing to collect, including a complete chain of custody, assignment, or authorization from XXXX XXXX XXXX XXXX XXXX  specifically identifying my alleged account. 
4. The exact date of first delinquency and proof that this account is being reported in compliance with 15 U.S.C. 1681c.

5. Proof that the alleged debt is within the applicable statute of limitations for collection in my state. 
6. Verification that IQ Data XXXX is properly licensed and authorized to collect debts in my state of residence. 
7. Proof that the alleged debt is not the result of billing errors, improper charges, or unlawful fees, which are common in rental-related collections.

Until such time as full and proper validation is provided, you are legally required to cease all collection activity, including but not limited to : Reporting or continuing to report this account to XXXX  or any other consumer reporting agency Verifying this account in response to any credit bureau dispute Communicating with me regarding payment Selling, transferring, or re-assigning the alleged debt Any continued reporting, verification, or collection activity without first providing proper validation will constitute willful noncompliance with the FDCPA and FCRA and may subject your company to statutory damages, actual damages, attorneys fees, and injunctive relief. 

This letter is not a refusal to pay, nor is it an acknowledgment of liability. It is a lawful demand for proof. If you are unable to provide the required documentation, you must immediately delete this account from all consumer reporting agencies and provide written confirmation of deletion. 

Govern yourself accordingly. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation