Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: OK

Complaint narrative:
I received a phone call received on XXXX which involved a representative of IQ Data International alleging I owed a debt involving XXXX XXXX XXXX due to alleged damages. Shortly thereafter I sent a debt validation letter ( attached as Debt Validation Letter.docx ) on XXXX registered return receipt. I asked them the following to validate the debt. 

" The name and address of the original creditor, the account number, and the amount owed. 
Verification that there is a valid basis for claiming I am required to pay the current amount owed, including, but not limited to, an itemized receipt of the alleged damages by the landlord in a written statement delivered by mail to be by return receipt requested as outlined in Oklahoma Statute Title 41-115 B. 
Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 
Please also note whether this debt is within the statute of limitations and how that was determined. 
Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. '' I then received a response on XXXX ( attached as IQ Data Wrong Lease.pdf, IQ Data 1st Letter.pdf ), which failed to validate the debt in multiple ways. I then sent a response letter on XX/XX/XXXX ( attached as Debt Validation Response.docx ) to alert the company of the problem and to let them know I was further disputing the debt. I have not received a second response. The issues are listed below. 

" The XX/XX/XXXX letter did not provide proof that by paying IQ Data International, that the alleged debt would be considered settled. The letter claims that I need to remit the balance, but does not provide instructions on how to pay or how to send the funds to settle the alleged debt. 
The XX/XX/XXXX letter did not include whether you are licensed in my state and did not provide the date of the license, name on the license, license number, and the name, address and telephone number of the state agency issuing the license. Additionally if you are contacting me from outside my state, provide the licensing information from your state as well. 
A rental agreement was included with the XX/XX/XXXX letter. This rental agreement has nothing to do with me. It has the names " XXXX XXXX + XXXX XXXX '' and XXXX XXXX, neither of which are me or anyone I associate with. It also has the address of XXXX XXXX XXXX, which is an address that I have never stayed at. It also has the dates of XXXX and XXXX, which are not dates associated with XXXX XXXX XXXX. Oklahoma State Statutes Title 41-115 states the landlord must include the rental agreement along with the itemized receipt, and that is not my rental agreement. A copy of the rental agreement you sent me has been included in this letter. 
The itemized receipt included in the XX/XX/XXXX letter claims a charge of {$930.00} due to " failure to notify. '' Yet provides no proof or details as to what this " failure to notify '' is. Nor does it explain why I am responsible for paying for the charge. 
Additionally the itemized receipts state Charges For Cleaning Needed - XXXX and Insufficient Notice Penalty Charges - XXXX. I am not XXXX and an explanation is needed for why these charges are being claimed against me. 
The XX/XX/XXXX letter also did not include detailed explanation of any interest added, the legal authorization for this interest, or the date the original creditor claims this debt became delinquent. 
The XX/XX/XXXX letter also did not include whether the debt was within the statute of limitations and how that was determined. '' I noticed on XX/XX/XXXX that they reported the debt to my Credit Report on XX/XX/XXXX. I am working with XXXX, XXXX XXXX, and XXXX  to dispute this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation