Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: T.S. Holdings
State: TX

Complaint narrative:
IQ DATA INTERNATIONAL is in clear violation of the law and is liable for all actual damages caused to my livelihood by their actions! I obtained a copy of my consumer report to notice an inaccurate collection account with an outrageous balance of {$6200.00} not owed that they furnished on ( XX/XX/XXXX ) using my personal information to contact third parties. The original creditor of the collection account they furnished is XXXX XXXX whom never reported any late payments or past due balance, as the original account is furnished to the consumer reporting agencies as paid on time and paid in full. IQ DATA INTERNATIONAL failed to provide me with all three of my privacy disclosures mandatory by the Fair Credit Reporting Act ( FCRA ) before this inaccurate collection account was reported on ( XX/XX/XXXX ) so that I may or may not OPT OUT and exercise my nondisclosure option. I sent a notice to their company and requested they provide me with all three privacy disclosures their company allegedly disclosed before this collection account was furnished to the consumer reporting agencies on ( XX/XX/XXXX ). 15USC 6802 ( B ) states I MUST RECEIVE ALL THREE DISCLOSURES ( A-C ) FROM THE CREDITOR AND AGREE TO THE TERMS BEFORE YOU MAY USE MY PERSONAL INFORMATION TO CONACT A CONSUMER REPORTING AGENCY OR THIRD PARTY TO FURNISH ANY DATA ON MY REPORT. IQ DATA INTERNATIONAL INC may not disclose my personal information to any third party for any cause, as I am exercising my nondisclosure option pursuant to the section above. Your offenses to reporting this alleged debt to collections amount to AGGRAVATED IDENTITY THEFT pursuant to 18USC 1028 ( A ). You have knowingly transferred, possessed or used a means of identification of me without lawful authority which is a felony with civil liability and defamation.

I dont have an agreement with IQ DATA INTERNATIONAL INC that proves I owe your company and I refuse to pay this alleged debt of {$6200.00} that your company made up out of thin air as I have no balance with XXXX XXXX. Cease and desist all collections activity immediately! According to 15USC 1691 ( c ) Ceasing Communication ; If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the Consumer with respect to such debt. Under the New Rule REGULATION F which took effect on XX/XX/XXXX, by reporting this account and parking this alleged debt on my Consumer Report, you are violating the FDCPA & 10006.30a and its new rule you must CEASE AND DESIST ALL COLLECTIONS ACTIVITY NOW. The original creditor that you furnished of this alleged debt IMT RESIDENTIAL is reported closed with no late payments or balances owed in the original account currently furnished on my report.

The data you furnished on my credit report is inaccurate and IQ DATA INTERNATIONAL is in several violations of the Fair Credit Reporting Act, XXXX XXXX Compliance and my consumer rights! I DEMAND IQ DATA INTERNATIONAL REMOVE THIS INACCURATE COLLECTION ACCOUNT ENDING IN XXXX FROM ALL CONSUMER REPORTING AGENCIES YOU CONTACTED UNLAWFULLY USING MY INFORMATION TO FURNISH A DEBT THAT IS NOT OWED TO YOU. They also keep increasing and decreasing the balance every month to purposely lower my credit score and this is unlawful behavior from this company. THIS DEBT REPORTED IS NOT OWED! See the attachments below, the original account XXXX XXXX furnished ending in XXXX shows no late payments or balance owed so where did this collection come from?

Company response to consumer: Closed with explanation