Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: MI

Complaint narrative:
We are submitting a second complaint due to the lies and illegal result of the first. FULL scenario included : FIRST COMPLAINT- Submitted XXXX : In XX/XX/XXXX, my husband and I formally disputed a rent charge with our apartment complex after multiple hazardous structural collapses occurred within our unit, causing minor injuries. These incidents were promptly reported to both onsite management and regional management. Despite repeated reports and follow-up communications, management failed to take appropriate corrective action or meaningfully respond to the safety concerns. Instead, the matter was repeatedly redirected to hourly staff who lacked the authority to investigate or remedy the structural hazards. Senior regional management also failed to address the issue despite direct communication. Management represented on multiple occasions that the conditions had been repaired ; however, additional collapses subsequently occurred, confirming that the hazards had not been remedied. As a result, portions of the unit became unsafe and unusable, preventing full and safe occupancy. Due to the complexs continued failure to address these hazardous conditions, we provided written notice to the property asserting our legal position under Colorados Warranty of Habitability statute ( C.R.S. 38-12-505 ). Our correspondence explained that rent obligations were disputed because the landlord had failed to remedy serious habitability violations within the statutory timeframe, which materially affected the safe use of the premises. The property management company failed to respond substantively to these notices. Months later, after a new property manager assumed the role, we received a generalized statement asserting that rent remained owed. This response did not address the documented hazards, prior communications, or the propertys compliance with the statutory requirements under Colorado law. We sent additional written correspondence reiterating that the property could not lawfully collect rent while in violation of the Warranty of Habitability statute and again requested that the matter be addressed. These communications were ignored. Rather than resolve the dispute or investigate the underlying safety violations, the property referred the alleged balance to a collection agency without addressing the legal validity of the claim. We first became aware that the account had been placed in collections in late XX/XX/XXXX. We promptly disputed the alleged debt with the collection agency and provided extensive documentation demonstrating the ongoing dispute and the basis for contesting the alleged rent obligation. Our initial dispute letter was delivered on XX/XX/XXXX, and proof of delivery is available. The collection agency, XXXX XXXX XXXX XXXX, failed to provide proper validation of the alleged debt. Their response merely confirmed that my husband and I were listed on the lease and resided at the property. These facts were never in dispute. The agency did not provide documentation demonstrating that the claimed balance was legally owed, did not produce an itemized accounting of the charges, and did not provide evidence addressing the propertys compliance with XXXX XXXXXXXX XXXX XXXXXXXX statute. Because the response failed to constitute proper validation of the disputed debt, we issued a second written dispute and notice of insufficient verification to IQ Data International Inc. This letter again requested competent evidence demonstrating that the alleged debt was legally enforceable and reminded the agency of its obligation to cease collection activity until proper verification was provided. This second dispute letter was also delivered with proof of delivery and was delivered on XX/XX/XXXX ( was sent out on XX/XX/XXXX ). This letter was completely ignored. It said : Follow-Up Dispute / Notice of Insufficient Validation XXXX XXXX XXXX XXXX Ct XXXX XXXX MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Re XXXX Account Number : XXXX Original Creditor : XXXX on Market NOTICE OF CONTINUED DISPUTE AND INSUFFICIENT VERIFICATION To Whom It May Concern : This letter is in response to your recent correspondence purporting to validate the above-referenced debt. Your response ( which is scanned and included ) does notconstitute proper verification under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ). I do not dispute my identity, residency, or the existence of a lease. Those facts were never in dispute. The debt is disputed because the alleged rent is not legally owed due to the landlords violations of Colorados Warranty of Habitability statute, C.R.S. 38-12-507, which excuses or limits rent obligations when qualifying violations exist and are not remedied after proper notice. Your response merely confirmed our names, address, and included a copy of the lease. This does not address the substance of the disputenamely, whether the rent is legally enforceable given the statutory violations previously documented and provided to you. To constitute proper verification, you must provide competent evidence demonstrating that the alleged rent is legally owed notwithstanding C.R.S. 38-12-507, including but not limited to : 1. An itemized accounting of the amount claimed as owed 2. Evidence that the landlord cured the habitability violations within the statutory timeframe, or 3. Evidence that the landlord was exempt from or in compliance with C.R.S. 38-12-507 during the period for which rent is claimed Until such verification is provided, you must cease all collection activity, including telephone calls, letters demanding payment, or credit reporting, pursuant to 15 U.S.C. 1692g ( b ). Additionally, your continued assertion that the debt is owed without addressing its legal enforceability may constitute a misrepresentation of the legal status of the debt under 15 U.S.C. 1692e, and any harassing or abusive conduct during telephone communications may violate 15 U.S.C. 1692d. If you are unable to provide proper verification, you must : Cease all collection efforts, and Refrain from furnishing or must correct any credit reporting related to this account. Please note that this letter is not a refusal to pay, but a lawful request for verification of a disputed debt. Any further collection activity without proper verification will be documented and may be reported to the Colorado Attorney General, the Consumer Financial Protection Bureau, and the Federal Trade Commission. All future communication regarding this matter must be in writing. Sincerely, XXXX & XXXX XXXX This correspondence was ignored, and proper validation of the alleged debt was never provided. Despite this, IQ Data International Inc. proceeded to report the account to credit reporting agencies in violation of 15 U.S.C. 1692g ( b ), which requires a debt collector to cease collection activity until proper verification of a disputed debt has been provided. This reporting has negatively impacted both my husbands and my credit. After discovering the collection account on our credit reports, we filed disputes with both XXXX XXXX XXXX In response, the credit bureaus informed us that IQ Data International Inc. had verified the account as valid. However, at no point has the collection agency provided proper validation of the alleged debt. Their responses have merely asserted that the account belongs to us without providing any competent evidence demonstrating that the debt is legally owed or addressing the substance of our dispute. So, we now formally addressing the CFPB and are writing a formal complaint : Subject : Complaint Against IQ Data International Inc Failure to Validate Debt and Unlawful Credit Reporting To the Consumer Financial Protection Bureau, I am filing a formal complaint against IQ Data International Inc regarding a disputed debt they claim I owe relating to an apartment lease with the alleged original creditor, XXXX on Market. On XX/XX/XXXX, I sent IQ Data International Inc a written dispute and request for proper validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). A copy of this dispute letter is attached. In that letter, I clearly explained that the alleged rent balance is disputed because the landlord violated Colorados Warranty of Habitability statute ( C.R.S. 38-12-507 ). Under this law, rent may not be legally owed when qualifying habitability violations exist and are not remedied within the statutory timeframe. My dispute specifically requested competent evidence demonstrating that the alleged rent is legally enforceable despite these statutory violations. IQ Data International Inc did not provide the requested verification. Instead, their prior response merely confirmed my name, address, and included a copy of the lease agreement. This does not constitute proper verification of a disputed debt under the FDCPA because it does not address the legal enforceability of the alleged rent obligation given the documented habitability violations. After I notified them that their response was insufficient and again requested proper verification, they failed to respond further. Despite this unresolved dispute and their failure to provide proper validation, IQ Data International Inc subsequently reported this alleged debt as a collection account to the credit reporting agencies, damaging my credit. Reporting a debt to credit bureaus is considered collection activity. Under 15 U.S.C. 1692g ( b ), a debt collector must cease collection activity until proper verification of a disputed debt is provided. Because IQ Data International Inc never provided proper verification addressing the substance of the dispute, their continued collection activity and credit reporting may constitute violations of the FDCPA. Additionally, reporting a debt without conducting a reasonable investigation into the dispute and without verifying the legal enforceability of the alleged debt may violate the Fair Credit Reporting Act ( FCRA ). I am requesting that the Consumer Financial Protection Bureau investigate this matter and require IQ Data International Inc to : Cease all collection activity related to this disputed account. Delete the collection account from all credit reporting agencies. Repair both our credits that were harmed without proper validity. Confirm in writing that the account has been removed from my credit reports. Provide documentation demonstrating what investigation, if any, was conducted before reporting the account. This complaint is being filed because IQ Data International Inc ignored my lawful dispute, failed to provide proper verification of the alleged debt, and proceeded to report the account to credit bureaus, causing harm to my credit. This does not appear to be an isolated incident. Public records indicate that IQ Data International Inc. and XXXX XXXX, have previously faced legal action related to improper collection practices, including allegations of threats, inaccurate credit reporting, misrepresentation of debts, and failure to provide proper validation. These prior matters raise concerns about a broader pattern of noncompliance with federal consumer protection laws. Such unlawful practices should be appropriately investigated and addressed to prevent further harm to consumers. We are prepared to provide any additional documentation necessary to assist with this investigation, including records of our communications with the apartment complex and evidence documenting the multiple structural collapses that occurred within the unit. It is important to note that this documentation was previously provided to IQ Data International Inc. as part of our dispute. Despite having access to this information, the company failed to properly investigate the matter and nevertheless proceeded to handle the account in a manner we believe to be unlawful. Thank you for your attention to this matter. Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation XXXX 's Response : XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Iowa XXXX, IA XXXX Re : Complaint of XXXX XXXX Case Number : XXXX Internal Reference : XXXX In response to your letter dated XX/XX/XXXX, we provide the following information. This account was assigned to our office in XXXX of XXXX to collect charges owed to our client, XXXX XXXX on XXXX. Upon receipt of the consumers first dispute, we contacted our client who confirmed the balance on file as accurate and provided additional documentation and context for the account. Validation documents were mailed to the consumer in response, including copies of the first and last pages of the lease and the final account statement. We disagree with the consumers claim that proof of the signed contract and the itemized account statement were insufficient to validate the debt at that time. Per our clients explanation that the consumers vacated due to a family emergency, and not due to uninhabitable living conditions, along with the documentation from the consumer which reflected the issue was corrected before vacating the unit, we are unable to agree with the claim the balance is incorrect. We have requested additional documentation from our client regarding this matter ; however, no changes will be made to the balance nor additional validation documents will be sent at this time. The current balance remains due. The account has been marked as disputed and will remain in that status until resolved. The consumer may contact our office to discuss payment options or to address any questions about the account. Thank you for the opportunity to respond to this complaint. IQ Data International , Inc. ( IQ Data ) is committed to treating every consumer with the dignity and respect to which they are entitled and is committed to its compliance efforts and ethical debt collection practices. All collection employees are trained by a certified Trainer Specialist and, as a requisite of employment at IQ Data, the employee is required to become certified through the ACA as a Professional Collection Specialist. Sincerely yours, XXXX XXXX XXXX XXXX XXXX I.Q. Data International , Inc. This communication is from a debt collector attempting to collect a debt and any information obtained will be used for that purpose. ATTACHMENTS XXXX VIZANKO CFPB XXXX ( XXXX KB ) Feedback provided STATUS Feedback provided on XX/XX/XXXX Your feedback : THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT Yes THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No NEW COMPLAINT XXXX : Rebuttal to IQ Data International Inc. Response False Representations, Failure to Investigate, and Continued Reporting of Disputed Debt To the Consumer Financial Protection Bureau, We respectfully submit this formal rebuttal to the response provided by IQ Data International Inc. regarding our complaint ( Case Number : XXXX ). IQ Datas response fails to address the central issue of this dispute and instead relies on unsupported assertions from its client, XXXX XXXX on XXXX, which are directly contradicted by documented facts. 1. False Representation Regarding Repairs and Habitability Violations IQ Data states that its client claimed : The unit was repaired prior to vacating, and We vacated due to a family emergency, not due to uninhabitable conditions These statements are factually false. At the time we vacated the unit, the structural damageincluding the collapsed closetremained unrepaired. This condition rendered portions of the unit unsafe and unusable. We have documentation, including photographs and written communications, demonstrating that : The structural failures were never properly remedied Management repeatedly misrepresented that repairs had been completed when they had not The hazardous condition persisted through the end of our tenancy This is not a minor factual discrepancyit goes directly to the legal enforceability of the alleged debt under Colorados Warranty of Habitability statute ( C.R.S. 38-12-507 ). If the premises remained in violation of the statute, rent is not lawfully owed for the affected period. By relying on the landlords unverified and inaccurate statements, IQ Data has adopted and repeated false representations regarding the legal status of the debt, which may constitute a violation of 15 U.S.C. 1692e. 2. Failure to Conduct a Reasonable Investigation IQ Data admits that it relied on its clients statements and documentation but does not demonstrate that it conducted any independent or reasonable investigation into the dispute. Despite being provided with : Detailed written notices of habitability violations Documentation of structural collapses Evidence contradicting the landlords claims IQ Data : Did not address the substance of the dispute Did not evaluate whether the debt is legally enforceable Did not reconcile conflicting evidence Chose to accept the landlords version of events without scrutiny This raises serious concerns under the Fair Credit Reporting Act ( FCRA ), which requires furnishers and collectors to conduct a reasonable investigation before verifying disputed information. Simply confirming a balance with the original creditorespecially where that creditor is the subject of the disputedoes not meet this standard. 3. Continued Collection Activity Without Proper Validation IQ Data continues to assert that validation was satisfied by providing : Portions of the lease, and A final account statement However, this documentation does not address the core legal dispute : whether the alleged rent is legally owed given unresolved habitability violations. Under 15 U.S.C. 1692g ( b ), verification must be sufficient to allow the consumer to understand and challenge the debt. Providing basic account documents while ignoring the legal basis of the dispute does not meet this requirement. Furthermore, IQ Data : Ignored our second dispute letter entirely Continued collection activity Reported the account to credit bureaus These actions occurred without resolving the dispute or providing meaningful verification, which we believe constitutes a violation of the FDCPA. 4. Reporting of Inaccurate and Disputed Information IQ Data continues to report this account as a valid debt while : A substantive legal dispute remains unresolved Material facts are in dispute The underlying claim is based on demonstrably false statements Even if marked as disputed, reporting a debt that has not been reasonably investigatedand that may not be legally owedcan constitute inaccurate reporting under the FCRA. 5. Requested Action Given the above, we respectfully request that the CFPB require IQ Data International Inc. to : Immediately cease all collection activity related to this account Delete the collection account from all credit reporting agencies Provide written confirmation of deletion Provide documentation detailing : What investigation was conducted What evidence was reviewed How conflicting evidence was evaluated Clarify whether they independently verified the landlords claim that repairs were completed, and if so, provide that evidence 6. Additional Note on Misrepresentation This matter is fundamentally rooted in false statements made by the original creditor regarding completed repairs. IQ Datas reliance on those statementswithout verification and despite contradictory evidencehas resulted in : The collection of a potentially unlawful debt Damage to our credit Continued harm through inaccurate reporting This raises serious concerns not only about this individual account, but about broader compliance with federal consumer protection laws. We are prepared to provide additional documentation, including photographic and video evidence and prior communications, clearly demonstrating that the structural hazards were never repaired. We possess video evidence documenting the unrepaired conditions as late as XX/XX/XXXX, XXXXjust three days prior to vacating the unit. Additionally, we conducted a move-out walkthrough with the on-site manager, XXXX, who personally observed and acknowledged the unresolved structural issues. These facts directly contradict the claims made by the property and relied upon by IQ Data. The assertion that repairs were completed is demonstrably false, and the resulting credit reporting based on this misinformation is both inaccurate and unlawful. There was no place to add that video showing this proof in this second complaint response. Please contact us for the supporting documentation. Thank you for your attention to this matter. Sincerely, XXXX & XXXX XXXX

Company response to consumer: Closed with non-monetary relief