Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: NJ

Complaint narrative:
In XX/XX/XXXX I received notice from IQ Data that I owed {$950.00} to XXXX XXXX XXXX. 
I called IQ Data to try and understand what the debt was for to try and understand the problem. When I called IQ Data they were very combative and stated the debt was valid and I need to pay the debt. I explained I dont even know what the amount is for and the agent provided an explanation over the phone. 
I explained I had a written agreement with the leasing office to stay an extra 6-7 days after my lease to vacate the property as my moving help was delayed due to Hurricanes XXXX and XXXX that hit Florida in late XXXX XXXX and there was a declared state of emergency. 
The agent explained that the leasing office enrolled me into a month-to-month tenancy starting on XX/XX/XXXX which ended on XX/XX/XXXX and the amount on the letter was for one months rent, cable and the prorated days from XXXX less the security deposit. I advised I have in writing from the leasing office that they were allowing me to stay and would charge me a prorated rate for the 6-7 days. The agent claimed that agreement didnt stand, and that per my lease if I stayed past the end date I was automatically enrolled in a month to month. 
I advised I needed to see this in writing and would request debt validation for full breakdown and explanation. At that time the agent became combative and every agent Ive spoken to since has had the same demeanor. I want to see the debt validation, one because its my right per 15 U.S. Code 1692, and two, I want proof that the leasing company XXXX XXXX XXXX attempted to contact me prior to sending this to collection. 
Per my lease in Section 3A, the landlord shall have 30 days to give the tenant written notice by certified mail to the tenant 's last known mailing address of his or her intention to impose a claim on the deposit and the reason for imposing the claim. I never received this notice and is one of the main reasons I requested debt validation as the proof this was sent should be included if this is a just debt. Had I received proper notice, this would have been handled prior to going to collection but I was never given that opportunity. 
After mailing my debt validation letter and sending it via email on XX/XX/XXXX, I received the delivered receipt signed XX/XX/XXXX. On XX/XX/XXXX I called IQ Data to see what the status of my debt validation being mailed was as I had received nothing in the mail. I spoke to an agent named XXXX who said that debt validation had been mailed on XXXX. I asked if it was sent certified or regular mail. They said that it was sent regular mail, I validated they had my correct address. 
I expressed it was odd I hadn't received anything yet and asked if I hadn't received anything should I call back to have resent. He replied no, I should be calling back to pay my debt and the balance owed has already been validated. I advised it hadn't and that's why I'm requesting documentation and disputing. XXXX was rude and said that the balance has already been validated and I need to pay what I owe, and it would be listed on my credit report until I paid. Thanked him for his time. 
At this time, this collection being unjustly listed on my credit report is having a negative affect beyond it just being there. I was in the process of applying for lending until this was listed on my report causing a XXXX decrease. From my personal experiences and the review and complaints, I see about IQ Data online, I see they have unfair and abusive tactics to collect debt. I want this account deleted and the company investigated for not following 15 U.S. Code 1692. I believe they know they dont have the proof that the XXXX XXXX XXXX XXXX me certified mail within 30-days as per lease making a claim against security deposit and is why they refuse to send debt validation.

Company response to consumer: Closed with explanation