Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: AL

Complaint narrative:
This correspondence serves as my second written notice to your company regarding this alleged account. My prior dispute was not properly addressed. I REFUSE TO PAY THIS DEBT. Your continued reporting and collection activity without producing complete original account-level documentation raises substantial compliance concerns under federal consumer protection statutes. Accordingly, you are hereby directed to immediately cease all collection efforts unless and until lawful validation is provided. Collection efforts include, but are not limited to, calls, written communications, electronic contact, and the reporting, verification, or updating of information to any consumer reporting agency. I am demanding strict validation. Specifically, I require ALL Original Account Level Documentation ( OALD ). This request does not seek internal database records, collection summaries, recreated payment histories, or documentation described as available. I am requesting authentic original records created and maintained by the original creditor. Identify the specific individual who claims to have requisite and personal knowledge of the facts concerning this alleged obligation, including the genuineness and authenticity of the account and possession of OALD. That individual must be capable of establishing a prima facie case pursuant to JMD Holding Corp v Cong. Fin. Corp., 4 NY 3d 373, 386 [ 2005 ]. Personal knowledge can not be established solely through review of IQ Data Internationals internal books and records. Confirm that this same individual has personally reviewed the original account documentation and is familiar with the original creditors record-keeping practices in accordance with XXXX XXXX XXXX XXXX. No. XXXX v Vill. of XXXX, XXXX XXXX XXXX, XXXX [ XXXX XXXX XXXX ]. Provide a complete chain of title evidencing lawful ownership of this alleged debt. This must include : Identification of every prior debt owner Copies of all assignments of the alleged debt ALL prior assignments executed by previous holders Additionally, provide a certified or properly authenticated copy of each bill of sale or transfer document evidencing the transfer of ownership from the original creditor at charge-off through each successive purchaser, including IQ Data International . Provide a signed agreement evidencing the opening of the account. Further, provide OALD reflecting purchases, payments, or any other actual use of the account attributable to me. Provide OALD clearly identifying the original principal balance of the alleged debt, excluding any post charge-off or post-judgment additions. If the amount currently claimed exceeds the post charge-off or post-judgment balance, provide a detailed itemization explaining how the amount was calculated and identify the contractual provision and legal authority permitting such increases. I require a complete transactional history of the account from inception with the original creditor, including full monthly account statements. All original account-level documentation must be mailed directly to my address as reflected in the header of this dispute. These records must originate from the original creditor and not be reproduced solely on debt collector letterhead. Provide documentation reflecting the original contractual terms and conditions governing the account at the time it was opened, along with any amendments or updated terms thereafter. Disclose the date of the last payment made to the original creditor. Confirm that you are not attempting to collect on a time-barred debt outside the applicable statute of limitations. Misrepresentation of the legal enforceability of a debt is prohibited under 15 U.S.C. 1692e ( 5 ). Provide a copy of your written policies and procedures governing dispute investigations, including a description of the system used to maintain compliance with those procedures. This constitutes a Direct Dispute. You are required to conduct a reasonable and complete investigation within 30 days of receipt pursuant to 15 U.S.C. 1681i ( a ) ( 1 ). If you determine that this dispute is frivolous or irrelevant, you must provide written notice within five days of receipt, as my full legal name, mailing address, and the account number as reported appear in the header of this request. Provide written confirmation of the present legal status of this account within your records. You are expressly prohibited from making any false, deceptive, or misleading representation in connection with this alleged debt pursuant to 15 U.S.C. 1692e ( 10 ). I am prepared to pursue enforcement of my rights under federal consumer financial protection laws and seek remedies in a court of competent jurisdiction pursuant to 12 U.S.C. 5565 ( a ) ( 1 ) for violations under the FDCPA, 15 U.S.C. 1692a, 1692e, 1692l, and the FCRA, 15 U.S.C. 1681s-2. I am aware that statutory damages of up to {$1000.00} per violation may be awarded in addition to actual damages sustained. You are afforded 30 days to provide the documentation requested herein and to immediately remove any unlawful consumer credit reporting associated with this account. Failure to permanently delete this account and issue a debt waiver will result in litigation filed in a proper venue within my county. This statement is true and lawful.

Company response to consumer: Closed with non-monetary relief