Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: TX

Complaint narrative:
This complaint is filed as a formal escalation of CFPB Case Number XXXX. IQ Data XXXX responded to the original complaint on XX/XX/XXXX. That response was inadequate, evasive, and contained verifiable compliance failures. The consumer now submits the original lease agreement as documentary evidence, which directly contradicts the balance reported and the interest charges claimed by IQ Data XXXX. The lease agreement, executed between XXXX XXXX and XXXX XXXX XXXX XXXX for the premises at XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, Texas XXXX, for the term XX/XX/XXXX through XX/XX/XXXX, establishes the controlling terms of this debt. IQ Data 's reported balance and claimed interest charges are not authorized by this agreement. II. VIOLATIONS IDENTIFIED WITH LEASE EVIDENCE Violation Statute Evidence Relief Sought FDCPA 1692f ( 1 ) Collecting interest not authorized by original agreement Lease contains NO interest clause. IQ Data admitted in writing that account accrues interest. Immediate deletion. Cease all collection. FDCPA 1692f ( 1 ) Collecting charges exceeding what the agreement authorizes Lease authorizes only a {$790.00} reletting fee. Reported balance is {$2300.00}. Unauthorized charges total {$1500.00}. Remove {$1500.00} in unauthorized charges and delete tradeline. FCRA 1681s-2 Reporting under incorrect creditor name Lease identifies landlord as XXXX XXXX XXXX XXXXXXXX. IQ Data reports original creditor as THE XXXX TX not the same legal entity. Assignment chain is unverifiable. Provide complete chain of assignment or delete. FCRA 1681e ( b ) Reporting inaccurate balance without itemized documentation No itemized move-out statement was ever provided to consumer. Texas Property Code 92.109 requires itemized deductions. Debt amount is unverifiable. Provide itemized statement or delete. FDCPA 1692g Failure to provide proper debt validation IQ Data 's response never provided original lease, move-out itemization, proof of assignment, or any documentation validating the reported balance. Provide complete validation or cease reporting. Compliance Failure Dating correspondence with a future date IQ Data 's response letter is dated XX/XX/XXXX a future date. This demonstrates systemic compliance failures in their debt collection operations. CFPB investigation of IQ Data 's compliance program. III. INADEQUACY OF IQ DATA 'S PRIOR RESPONSE IQ Data 's XX/XX/XXXX response failed to address the substance of the original complaint in the following ways : 1. INTEREST CLAIM WITH NO DOCUMENTATION : IQ Data stated that 'this account accrues interest ' but provided no contractual basis for this claim. The lease agreement submitted with this escalation contains no interest clause. Collecting interest not authorized by the original agreement is a per se violation of FDCPA Section 1692f ( 1 ). 2. WRONG CREDITOR NAME UNADDRESSED : IQ Data stated it was assigned to collect charges owed to XXXX XXXX XXXX yet the controlling lease identifies the legal landlord as XXXX XXXX XXXX XXXXXXXX XXXX IQ Data did not address this discrepancy or provide documentation of a valid assignment from XXXX XXXX XXXX XXXX to IQ Data. 3. BUREAU INCONSISTENCIES DEFLECTED : IQ Data blamed date discrepancies on third-party credit viewing services. The consumer 's complaint compared dates across XXXXXXXX XXXX and XXXX not third-party services. IQ Data failed to address why their own tradeline shows different status dates across bureaus. 4. FUTURE DATE IN CORRESPONDENCE : IQ Data 's response is dated XX/XX/XXXX. This is a future date as of the date of this filing. This is not a typographical error it reflects a systemic failure in IQ Data 's compliance and quality control operations.

Company response to consumer: Closed with non-monetary relief