Consumer complaint received 2024-10-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: IL

Complaint narrative:
This letter constitutes a formal demand for validation of the debt pursuant to the FDCPA, 15 U. S. C.1692g . Please be advised that I dispute the validity of this debt in its entirety, and I request that you provide immediate verification and substantiation of your legal right to collect.

In accordance with the FDCPA, I respectfully request the following documentation : 1. ) Proof of Indebtedness and Original Agreement You are required to furnish verifiable proof of the existence of the debt, including, but not limited to, a signed copy of the original contrac
t or agreement between myself and the original creditor which forms the basis of the alleged debt. Mere account statements are insufficient for compliance.

2. ) Chain of Assignment and Legal Authority You are not the original creditor, I demand that you produce the full chain of assignment or sale of the debt. This m
ust include all documentation that legally transferred the right to collect the debt from the original creditor to your agency, including any intermediary assignments or agreements. Failure to provide such documentation will indicate that you lack the standing to pursue collection activities.

3. ) Complete Payment History I request a comprehensive account ledger or payment history detailing the original amount of debt any and all payments or credits applied, the current balance and a breakdown of any interest, fees, or penalties applied to the account since its inception. This information must clearly demonstrate the validity and accuracy of the balance you claim is owed.

4. ) Proof of Your Agency Authority to Collect Provide documentation that demonstrates your agency is licensed, bonded, and legally authorized to collect debts in the jurisdiction in which I reside, pursuant to state laws governing debt collection practices. Failure to comply with state licensing requirements will render any collection efforts null and void. 
Until you provide the requisite documentation as outlined above, I hereby demand that you IMMEDIATELY CEASE all collection activities related to this alleged debt. This includes, but not limited to, direct communication with me, attempts to contact me through third party and any further reporting of this debt to the credit reporting agencies.

NOTICE OF REPORTING OBLIGATIONS Further, I hearby place you on notice that reporting an unverified and disputed debt to ANY of the major credit bureaus constitutes a violation of the FCRA, 15 U.S.C.1681s-2 ( b ), as well as the FDCPA. If you are unable to validate this debt in accordance with my legal request, you are required to immediately remove any references to this debt from my credit report. 
REMEDY FOR NON COMPLIANCE Please be advised should you fail to provide adequate validation of this debt within 30 days of receipt of this letter, I will consider this matter closed and will regard any future collection attempts as a violation of FDCPA

Company response to consumer: Closed with explanation