Consumer complaint received 2025-03-05 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA, XXXX RE : Account Number : XXXX Dear XXXX, I am writing this letter to exercise my rights as a consumer under the relevant laws, including the Fair Debt Collection Practices Act ( 15 USC 1692a . 1692e, 1692f, 1692g ) and laws, to dispute the alleged debt that you claim I owe that was reported to XXXX, XXXX and XXXX on XXXX, 2025. I request that you provide me with verification of this purported debt. In accordance with the laws, I expect you to furnish proof that this debt is indeed mine. To satisfy the verification requirements, I demand a formal declaration, duly notarized, from an individual with first-hand knowledge of the matter, attesting to the accuracy of the statements and facts associated with this debt. Since this debt is under dispute, I must remind you of your obligation to cease all collection activities, including any reporting to XXXX, XXXX and XXXX regarding this matter. I hereby explicitly withdraw my consent for any form of communication from your agency. Additionally, I never authorized the release of my personal and private information to your organization, which raises concerns about aggravated identity theft. Moreover, I never consented to the reporting of any information in my name to consumer reporting agencies. Your non-compliance with the Privacy of Consumer Financial Information Rule of the 12 CFR Part 1016 - Privacy of Consumer Financial Information, by sharing my nonpublic personal information with nonaffiliated third parties without providing me with a compliant notice and opt-out opportunity pursuant to 15 USC 6802, further compounds the issues surrounding this matter. I am requesting the " Aggravated Value of Purchase '' document, which must disclose the amount you paid for this debt. It is crucial to note that any attempt to collect an amount exceeding what you paid for this debt would be considered a material misrepresentation, fraud on the court, and a deceptive act. Please be aware of the gravity of these violations, as they constitute a severe infringement of my rights as a consumer. If you do not immediately cease all collection activities and promptly remove this account from my consumer report, I will have no choice but to initiate legal action against your company in the United States. Please be advised that you have 30 days to respond to this dispute. Failure to do so will compel me to escalate this matter and take appropriate legal action. Furthermore, I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) should you fail to comply with my request. I expect your prompt attention to this matter and the complete removal of this account from all credit reporting agencies and any subsidiaries, and secondary bureaus as your actions has caused detrimental financial harm to my household. I request that all future correspondence be in writing to ensure accurate documentation.

Company response to consumer: Closed with explanation