Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: FL

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding inaccurate credit reporting, failure to conduct a reasonable investigation, and incomplete debt validation involving a collection account reported on my credit file. This matter reflects ongoing reporting of a disputed debt that has not been properly validated or supported with complete documentation, despite multiple attempts to resolve it through the dispute process. On XX/XX/year>, I mailed formal dispute letters to the credit reporting agencies and the furnisher of the alleged debt. The following occurred : - XXXX received my dispute on XX/XX/year> and requested identity verification due to a recent address change rather than addressing the accuracy and validity of the disputed information. - IQ Data XXXX received my dispute on XX/XX/year>. No timely or complete validation of the alleged debt was provided in response to my dispute or request for documentation. - XXXX XXXX XXXX both reported the account as verified without providing any supporting documentation or explaining the method or basis used to verify the disputed information. Debt Validation and Documentation Concerns After the account was reported, IQ Data XXXX provided partial documentation, including a copy of the lease and move-out charges. However, they failed to provide a move-in condition statement despite my explicit request. The move-in condition statement is essential because it establishes the baseline condition of the property and is necessary to determine whether alleged damages occurred during my tenancy. Without this documentation, there is no reliable or reasonable basis to support the charges being reported. As a result : - The debt has not been fully or properly validated - No documentation establishes that I caused the alleged damages - The furnisher has failed to provide critical supporting records necessary for verification - The reported information is based on incomplete evidence that does not reasonably substantiate accuracy -- - Under the Fair Credit Reporting Act ( FCRA ), furnishers of information are required to conduct a reasonable investigation of disputed information and ensure that all reported data is complete and accurate. In this case, the investigation conducted appears insufficient and unreliable, as it relies on incomplete documentation that does not reasonably establish the validity or accuracy of the alleged debt. The failure to provide key supporting records, including the move-in condition report, raises serious concerns about whether a lawful and reasonable reinvestigation was actually conducted. -- - Complaint Against IQ Data XXXX I am filing a formal complaint against IQ Data XXXX for reporting and attempting to collect an unverified and insufficiently substantiated debt. Despite my dispute and request for validation, the furnisher has failed to provide complete documentation necessary to establish liability or confirm the accuracy of the amount being reported. Under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am entitled to full, complete, and accurate validation supported by reasonable documentation. That standard has not been met in this case. -- - This inaccurate and unverified reporting is causing ongoing and material harm to my financial standing. It is negatively impacting my credit profile, limiting my access to fair credit opportunities, and creating unnecessary financial barriers while this dispute remains unresolved. The continued reporting of this debt without complete validation is especially concerning given my repeated good faith efforts to resolve the matter through the proper dispute process. -- - I have made repeated good faith efforts to resolve this matter through the dispute process. However, the documentation provided remains incomplete and insufficient to establish the accuracy, completeness, or validity of the debt being reported. I respectfully request that the CFPB investigate this matter for full compliance with federal credit reporting and debt collection requirements and ensure corrective action is taken if violations are found. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief