Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint against " IQ Data XXXX '', a debt collection agency, for " improper collection practices and inaccurate credit reporting '' related to an alleged debt from " XXXX XXXX XXXX ''. 

Details : IQ Data XXXX reported a collection account on my credit report without ensuring the debt was valid or accurately communicated to me. Before the account was sent to collections, the original landlord failed to provide a final move-out statement, itemized charges, or any written notice of the alleged balance. Despite repeated follow-ups over more than XXXX XXXX two months via email and in-person visits XXXX XXXX since the collection call, no response was provided. Not even a statement saying " the charges are correct or valid. '' After moving out of the rental property, I returned the keys and asked the property management about any outstanding balance. At this point, the move-out inspection was done. At the time of key handover, management stated that the only amount owed was {$100.00} for two missing keys. Based on this, we paid {$150.00} via money orders, with the understanding that {$50.00} would be refunded. No additional charges were disclosed or agreed to. Nevertheless, the account was sent to IQ Data XXXX and reported to the credit bureaus without notice or an opportunity to dispute the information. 

We did not receive any written notice, final move-out statement, or itemized charges before the account was sent to a collection agency. The first time we saw itemized charges was after the debt had already been placed with collections. This denied us the opportunity to review or dispute the charges prior to collections, which is required.

After learning of the collection, we repeatedly contacted the property management for over two months, including emails and in-person visits, requesting clarification, the inspection report, and a response to our dispute. No response was ever provided. Not even an email confirming the charges. 

To prevent further damage to our credit, we paid the collection amount in full, but we formally dispute the validity of the charges. Payment was made under protest and does not constitute acceptance of the debt. Despite this, the collection account was reported to credit bureaus, negatively impacting my credit, which is inaccurate, unfair, and harmful. 

I have requested that IQ Data XXXX remove this account from my credit reports, but the issue remains unresolved. I have provided supporting documentation, including dispute correspondence and proof of payment. 

The core issues are : No prior written notice before collections Charges are disclosed only after collections Failure to respond to disputes or provide documentation Credit reporting of a disputed and improperly noticed debt I am requesting that this matter be investigated and the inaccurate collection reporting be removed. 
XXXX. Remove the collection account from all credit reports XXXX. Correct inaccurate reporting XXXX. Refund for the inaccurate charges Thank you for your assistance. 


The following are the dates and amounts Amount : {$800.00} Charges XXXX  {$12.00} Interests = {$820.00} Dates : Lease ended : XX/XX/year> Submitted payment of {$150.00} for the missing keys : XX/XX/year>XXXX XXXX XXXX  from collection : XX/XX/year> Contacted XXXX XXXX XXXXXX/XX/year> and followed up ever since multiple time including emails and in-person visits

Company response to consumer: Closed with explanation