Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: FL

Complaint narrative:
I am filing this complaint against IQ Data XXXX and the national consumer reporting agencies ( XXXX XXXX and XXXX ) for reporting and attempting to collect a debt that they have repeatedly failed to properly validate, in violation of federal consumer protection laws. I have contacted IQ Data XXXX and the credit reporting agencies on multiple occasions requesting proper debt validation and verification of the account being reported. Each time I request validation of this alleged debt, I am told that the account has been automatically validated, yet I have never received any documentation whatsoever to substantiate the debt. Additionally, IQ Data XXXX does not even have my full identifying information on file, including my Social Security Number, when I called them they stated the SSN I was providing is not what they have. It is unreasonable and negligent for a debt collector to claim that a debt has been verified when they do not possess the necessary identifying information to accurately match the debt to me. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ), once a consumer disputes a debt and requests validation, the debt collector must cease collection activity until they provide proper verification of the debt. IQ Data XXXX has failed to provide any such documentation despite repeated requests. Furthermore, under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ), once a furnisher receives notice of a dispute from a credit reporting agency, they are required to conduct a reasonable investigation and report accurate results. Claiming that a debt is verified without providing documentation and without possessing key identifying information does not constitute a reasonable investigation. Additionally, the credit reporting agencies have obligations under FCRA 611 ( 15 U.S.C. 1681i ) to conduct a reasonable reinvestigation when disputed information is reported. Simply responding that an account has been verified without providing the method of verification or documentation supporting the debt suggests that no meaningful reinvestigation occurred. The continued reporting of this account without proper validation also raises concerns of inaccurate and unverifiable information being reported in violation of FCRA 623 ( a ) and 607 ( b ), which require maximum possible accuracy in consumer reports. At this time, I am requesting the following : Immediate deletion of this account from my credit reports with XXXX XXXX, and XXXX due to failure to properly validate the debt. Written documentation showing the alleged original contract bearing my signature, a complete payment history, and proof that IQ Data XXXX has the legal authority to collect this debt. Disclosure of the Method of Verification ( MOV ) used to verify this account under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). Confirmation that all collection activity has ceased until proper validation is provided as required under FDCPA 1692g ( b ). If IQ Data XXXX can not produce competent evidence that this debt belongs to me, the account must be removed immediately. The ongoing reporting and collection of an unverified debt is causing harm to my credit profile and violates my rights under federal consumer protection laws. I request that the CFPB investigate this matter and require the removal of this unverifiable account.

Company response to consumer: Closed with explanation