Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: MN

Complaint narrative:
On XX/XX/year>, I got a phone call from someone claiming to be from XXXX XXXX XXXXXXXX. They said I owed them almost {$9000.00}, which completely shocked me because I had no idea what they were talking about. Since that day, theyve been calling me nonstopsometimes every single dayharassing me and demanding payment. They keep asking for my credit card information, saying I need to pay right away, but they have never shown any real proof that this debt belongs to me. I believe this is a case of identity theft, and XXXX XXXX XXXXXXXX is trying to scam me out of money for a debt that is not mine. 

After that first call, I immediately reached out to my old apartment complex, XXXX XXXX, to see if this was connected to them. They couldnt provide any proof that I owed this money, which confirmed my suspicion that this debt is fake. Even after explaining this to XXXX XXXX XXXX, they continued to call and threaten me. XXXX of their representatives, who said his name is XXXX XXXX, has been extremely abusive on the phonehes even called me XXXX slurs like the XXXX word and XXXX during our conversations. Every time I speak with him, he raises his voice, pressures me to pay, and refuses to send written proof of the debt. Ive told him clearly that this is identity theft and that I do not owe this money, but he ignores me and keeps calling. 

XXXX XXXX XXXXXXXX has also tried to charge me just to dispute or see the supposed balance. They told me Id have to pay {$200.00} to dispute the debt and {$50.00} just to find out the balance, which is outrageous. No legitimate company should ever charge money to explain or verify a debt. Their behavior makes it clear that they are not following any fair or legal debt collection practices. Instead, they are trying to get my financial information through threats and scare tactics. They beg me for my credit card number during almost every call, which makes me feel unsafe and extremely anxious. 

Because of their actions, Ive started receiving fraud alerts from the credit bureaus, and my credit report shows activity that I do not recognize. Ive been in contact with the credit bureaus every day, asking them to block or remove these fake accounts. Its stressful and exhausting having to deal with this. Ive also contacted my former apartment management to let them know whats happening, and even they confirmed they sold my information but cant verify the debt. Despite all of that, XXXX XXXX XXXX continues to call me and demand payment for something that isnt mine. 

Everything about how XXXX XXXX XXXXXXXX has handled this situation feels wrong. They refuse to provide real proof of the debt, they call me constantly, they insult me, and they demand money just to talk about the account. This feels like a full-blown scam built around identity theft. Ive told them several times that I am a victim of identity theft, but they keep ignoring me and trying to get me to pay. I am very worried about what else they might do with my personal information. 

All I want is for XXXX XXXX XXXXXXXX to stop contacting me, stop reporting anything to the credit bureaus, and provide written proofif they even have itthat this debt belongs to me. I should not have to pay a scam company or deal with XXXX harassment just because someone may have stolen my identity. Until they can show real, verified documents with my name and signature, I will not pay them anything or give them any of my financial information. Ive already filed fraud alerts and disputes with the credit bureaus, and I plan to report XXXX XXXX XXXX to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

This has been a very upsetting experience. I never thought Id have to deal with something like this, but XXXX XXXX XXXX behavior has made me realize how dangerous identity theft can be. They are not only scamming me but also harassing me, and I will continue to take every legal step possible to protect myself and stop this from happening to anyone else. 

On XX/XX/year> I received a phone call from a representative identifying themselves as being with XXXX XXXX XXXX. The caller claimed I owed a debt of approximately {$9000.00} and began demanding payment immediately. Since that first call, XXXX XXXX XXXX and a specific representative who identified himself as XXXX XXXX have contacted me repeatedly, calling nearly every day. Their communications have been aggressive and harassing in tone, and I have been repeatedly pressured to provide my credit card information over the phone. 

From the first contact I told them I did not recognize the debt and immediately took steps to verify whether it was legitimate. I contacted my former apartment complex, XXXX XXXX, to confirm whether they had referred a legitimate balance to XXXX XXXX XXXX. XXXX XXXX was unable to provide proof that the alleged debt belonged to me. Despite that failure to validate the debt, XXXX XXXX XXXX has continued to insist the debt is mine and has continued daily calls and threats. 

During multiple phone conversations with XXXX XXXX XXXX, I was told the following fees and conditions related to disputing or learning my alleged balance : It would cost {$200.00} to dispute the collection amount. 
It would cost {$50.00} for them to disclose what the current balance apparently is. 
These demands appeared to be straightforward attempts to extract payment information from me rather than legitimate account-servicing fees. Every interaction with XXXX XXXX XXXX has focused on obtaining money or my credit card information ; their representatives repeatedly beg for payment and for my card details over the phone. 

I have also experienced direct verbal harassment from the representative who identified himself as XXXX XXXX. On multiple calls he used XXXX slurs directed at me. His tone and language were abusive and demeaning. I consider these calls to be not just high-pressure collection attempts but ongoing verbal harassment and intimidation. 

Because of XXXX XXXX Internationals persistent collection attempts and threats, I have experienced material harm to my financial life : I am receiving constant fraud alerts and collection entries appearing on my credit reports that I do not recognize or owe. I have been forced to check my credit reports daily and submit disputes with the credit bureaus to try to block and remove these fraudulent or unverified accounts. Each day I am contacted by XXXX XXXX XXXX demanding payment despite my repeated statements that I do not owe this alleged balance. 

I have informed management at my former apartment complex about the calls and about XXXX XXXX XXXX harassment. I have also communicated with XXXX XXXX, XXXX of XXXX XXXX, about the matter. Although my primary request from XXXX XXXX XXXX is to stop the harassment and to produce documentation proving any alleged debt, XXXX XXXX XXXX has not produced any verifiable proof that the debt is mine. Instead, XXXX XXXX XXXX continues to call and demand payment while charging ( or threatening to charge ) fees to provide dispute information. I view those practices as exploitative and possibly fraudulent. 

Summary of the behaviors by XXXX XXXX XXXX that I am reporting : Repeated, daily phone calls since XX/XX/year> demanding payment of an alleged {$9000.00} balance. 
Refusal or inability to produce valid proof that the alleged debt belongs to me, despite my request for verification. 
Demanding money to provide basic dispute information ( {$200.00} to dispute ) and to reveal my alleged balance ( {$50.00} fee ). 
Insistent attempts to obtain my credit card information over the phone, often described as begging for my card. 
Verbal harassment and XXXX slurs by a representative identifying himself as XXXX XXXX on multiple calls. 
Continued threats and harassment despite my statements that I do not owe the debt and despite my request for written verification. 
Adverse effects on my credit profile and repeated fraud alerts requiring me to contact credit reporting agencies daily. 

Actions I have taken to date : Contacted my former landlord ( Miro Apartments ) to verify the debt they failed to provide proof that the alleged debt belongs to me. 
Informed management and XXXX  Managements XXXX ( XXXX XXXX ) about the harassment. 
Checked my credit reports and placed fraud alerts/ filed disputes with the credit bureaus regarding the accounts listed under XXXX XXXX XXXX. 
Refused to provide any credit card or payment information to XXXX XXXX XXXX over the phone. 
Documented telephone calls, dates, and the content of the calls when possible ( call logs, times, and summaries ). 

What I am requesting from XXXX XXXX XXXX ( clear, specific demands ) : Immediately cease all phone calls, text messages, and other communications to my telephone numbers and other contact points until and unless you can provide, in writing, legal documentation that clearly verifies ( a ) the existence of the debt, ( b ) the original creditor, ( c ) the exact amount claimed, and ( d ) proof that you are authorized to collect the debt from me. 

Provide written verification of the alleged debt within XXXX business days. XXXX should include a copy of the original contract or lease ( with my signature ) or other signed documentation showing I am responsible for the amount claimed, an itemized accounting of how the {$9000.00} balance was calculated, and the chain of assignment showing how XXXX XXXX XXXX acquired the account. 

Provide a written assurance that no credit reporting or collection activity will proceed until the debt has been verified in writing. If you have already reported the alleged balance to any credit reporting agency, provide a copy of what you reported and immediately notify the credit bureaus that the debt is disputed and under verification. 

Immediately stop demanding that I pay fees to dispute the debt or to learn the balance. Any requirement that I pay a dispute fee or balance fee in order to receive debt validation is unacceptable and appears to be an attempt to extract money without providing proof. 

Immediately cease all abusive and harassing behavior by your employees and agents. Specifically address the repeated XXXX slurs and harassment I have received from the representative who identified himself as XXXX XXXX. I request that XXXX XXXX XXXX investigate these incidents and institute appropriate corrective action. 

Documents and evidence I am prepared to provide to authorities or include with complaints : Call logs showing dates and times of calls from XXXX XXXX XXXX and, when recorded, the contents of those calls. 
Summaries of verbal abuse and alleged XXXX slurs with dates/times and any witnesses. 
Copies of credit report entries and fraud alerts that correlate with the collection attempts. 
Records of my communications with XXXX XXXX and XXXX XXXX regarding the alleged debt. 
Screenshots or copies of voicemails, text messages, or emails from XXXX XXXX XXXX ( if available ). 

If XXXX XXXX XXXX fails to comply with these reasonable requests for verification and immediately ceases the harassment, I will take the following steps : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) describing the harassment, the questionable fee demands, and the failure to provide verification. 
File complaints with the major credit reporting agencies ( Equifax, Experian, TransUnion ) asking them to block or remove any entries reported by XXXX XXXX XXXX pending verification. 
XXXX a complaint with my state attorney generals office and local consumer protection agency. 
Provide law enforcement with documentation of the repeated harassment and XXXX slurs for investigation if the harassment continues. 
Consider pursuing legal action for violations of the Fair Debt Collection Practices Act and for damages related to harassment or identity-theft-related harm, including any financial losses or credit damage I have suffered. 

I am formally disputing the alleged debt and demanding immediate validation in writing. Until reliable, verifiable documentation is produced, I do not accept the debt as mine and will not provide any payment or credit card information to XXXX XXXX XXXX or any of its representatives. I also demand that all abusive communications cease immediately. 
XXXX sold my Identity to XXXX. Someone is also trying to open credit cards and bank accounts under my name. I have to change my social security number soon

Company response to consumer: Closed with explanation