Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: FL

Complaint narrative:
Re : Formal Complaint Against I.Q. Data International Violations : Fair Debt Collection Practices Act ( FDCPA ), Health Insurance Portability and Accountability Act ( HIPAA ), Fair Credit Reporting Act ( FCRA ), Gram-Leach-Bliley Act ( GLBA ), Florida Consumer Collection Practices Act ( FCCPA ), Washington Collection Agency Act ( WCAA ) Complainant : XXXX XXXX, Fiduciary for XXXX XXXX XXXX ( XXXX XXXX XXXX Respondent : I.Q. Data International Email : XXXX FACTUAL ALLEGATIONS Protected Status of XXXX XXXX XXXX : XXXX XXXX XXXX is a protected person under XXXX XXXX XXXX, a discretionary spendthrift trust, due to permanent neuro-developmental XXXX rendering her legally incapacitated since birth. 
XXXX XXXX : XXXX XXXX holds full fiduciary authority over XXXX XXXX affairs, as evidenced by a sworn affidavit provided to XXXX. XXXX XXXX on XX/XX/year>. 
XXXX XXXX liabilities are fully protected under the spendthrift provisions of the trust, rendering any alleged debt uncollectible and legally void. 

Illegal Reporting & Collection Efforts : On XX/XX/year>, a Cease and Desist/Permanent Tradeline Removal Notice was sent to XXXX, demanding : Immediate cessation of all collection activities. 
Permanent removal of all tradelines and personal identifying information ( PII ) from credit reporting databases. 

I.Q. Data International ignored the notice and continued its abusive, illegal practices against a protected person, in willful violation of : FDCPA ( 15 U.S.C. 1692 et seq. ) Harassment, false representation, and failure to validate debt.

HIPAA ( 45 C.F.R. 164.502 ) Unauthorized retention and disclosure of protected health information ( PHI ) tied to Ms. Nelsons mental and intellectual incapacity.

FCRA ( 15 U.S.C. 1681 et seq. ) Furnishing inaccurate, unverified information to credit bureaus.

GLBA ( 15 U.S.C. 6803 ) Failure to provide privacy notices or opt-out records.

FCCPA ( Fla. Stat. 559.553 ) Operating without valid Florida collection licenses or surety bonds.

WCAA ( Wash. Rev. Code 19.16.190 ) Unlicensed collection activity in Washington ( if applicable ).

Failure to Provide Required Documentation : I.Q. Data International failed to respond to repeated requests for : Chain-of-title & standing documents ( bill of sale, assignments ). 
Original wet-ink contract with XXXXXXXX XXXX XXXXXXXX XXXX contemporaneous capacity attestation ( none exists ; debt is void ab initio ). 
Arbitration clause & proof of compliance ( if asserted ).

Florida & national collection licenses XXXX  surety bonds ( XXXX ; XXXX XXXX. Code XXXX ). 
HIPAA Business-Associate Agreement & disclosure log ( required for handling XXXX of a protected person ). 
GLBA privacy notices ( 15 U.S.C. 6803 ) and opt-out records.

Ongoing Harm : I.Q. Data Internationals willful non-compliance has caused severe undue harm to XXXX XXXX, including : Credit reporting damage ( invalid tradelines ). 
Emotional distress ( exploitation of a vulnerable individual ). 
Violation of privacy rights ( unauthorized retention of XXXX ). 

XXXX, Violation, Penalty FDCPA ( 15 U.S.C. 1692e ), False representation of debt validity., {$1000.00} per violation + actual damages.

HIPAA ( 45 C.F.R. 164.502 ), Unauthorized retention/disclosure of XXXX for a protected person., $ XXXX annual cap ( willful neglect ). 
FCRA ( 15 U.S.C. 1681s-2 ), Furnishing unverified, inaccurate information to credit bureaus., {$1000.00} {$5000.00} per violation.

GLBA ( 15 U.S.C. 6803 ), Failure to provide privacy notices/opt-out records., {$100000.00} per violation.

FCCPA ( Fla. Stat. 559.72 ), Unlicensed debt collection in XXXX, {$1000.00} per violation + attorneys fees. 
WCAA ( XXXX XXXX. Code XXXX ), Unlicensed collection activity ( if applicable )., {$1000.00} per violation + treble damages. 
Florida XXXX. XXXX, Willful non-compliance with cease-and-desist., {$1000.00} XXXX actual damages.

Company response to consumer: Closed with explanation