Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: PA

Complaint narrative:
Complaint Against : IQ Data XXXX XXXX XXXX. 
XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX Account Information Account Owner : Individual Account Account No : XXXXXXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Original Amount Owed : {$5800.00} Date Assigned : XX/XX/XXXX Agency : IQ Data XXXX XXXX XXXX XXXX 

Reported Balance : {$6700.00} Account Status : Unpaid Creditor Classification : Rental/Leasing Date Reported : XX/XX/XXXX Status Date : XX/XX/XXXX Balance Date : XX/XX/XXXX Comments : Consumer Disputes This Account Information To the Consumer Financial Protection Bureau : I am filing this complaint against XXXX XXXX XXXX XXXX XXXX XXXX and also naming XXXX  and XXXX  for enabling unlawful debt collection and credit reporting practices. 

The original judgment from XXXX XXXX XXXX in Pennsylvania was {$5800.00}. IQ Data XXXX is now reporting {$6700.00}. There is no court order, judgment, or contract authorizing additional charges. I never agreed to these increases. XXXXQ Data has been fraudulently inflating the balance every time the account updates. This is not a clerical error. It is a deliberate tactic designed to keep the balance climbing so that consumers feel pressured to contact them. That is extortion through credit reporting. 

I first saw this account appear on my credit report in XXXX. From that time forward I have disputed it continuously with both XXXX  and XXXX. Despite this, IQ Data continues to raise the balance, and neither credit bureau has required them to provide lawful proof. 

Privacy violation : During one of my disputes, XXXX  itself indicated that the address on file for me was wrong and flagged it as private information. Despite that, XXXX  still released my personal address to IQ Data XXXX through the dispute process. IQ Data then used that private information even though XXXX  admitted it was incorrect. This is a serious breach of consumer privacy and demonstrates that XXXX  is not protecting consumers as required under the FCRA. 

Dispute handling violations : The FCRA requires credit reporting agencies to allow 30 days for dispute investigations. XXXX  and XXXX have repeatedly closed my disputes early, sometimes within 3 days, 8 days, or 10 days, without providing me with any verification documents from IQ Data. That is not a reasonable reinvestigation. It is a violation of my rights.

Federal law violations : FCRA 1681i failure to conduct reasonable reinvestigation of disputed information FCRA 1681e ( b ) failure to ensure maximum possible accuracy of credit reports FCRA 1681c-2 failure to block unverifiable or fraudulent information FDCPA 1692e and 1692f false representation of the amount of a debt and unfair practices by IQ Data Pennsylvania law violations : Pennsylvania Fair Credit Extension Uniformity Act ( FCEUA, 73 P.S. 2270.1 et seq. ) unlawful collection practices that mirror FDCPA violations Pennsylvania Unfair Trade Practices and Consumer Protection Law ( UTPCPL, 73 P.S. 201-1 et seq. ) deceptive and unfair acts, including balance inflation and misuse of consumer information Requested Relief : Order IQ Data XXXX to produce certified documentation of the original judgment, any authority to add charges, and a full itemized accounting of how they calculated the current balance. 

Require IQ Data XXXX to stop inflating the balance and to correct or delete the account entirely if they can not prove accuracy. 

Investigate XXXX  and XXXX  for closing disputes before 30 days and failing to provide me with verification documents. 

Investigate XXXX  for releasing incorrect and private address information to XXXX XXXX XXXX and allowing it to be used against me. 

Apply penalties against all parties involved for violating federal and Pennsylvania law. 

This has been ongoing since XXXX. My rights have been ignored by IQ Data, XXXX, and XXXX. IQ Data is inflating a debt without authority, while the credit bureaus are prematurely closing disputes and releasing private information. This coordinated failure is damaging my credit, harming my reputation, and violating my rights under both federal and state law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation