Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: T.S. Holdings
State: TX

Complaint narrative:
This complaint will serve as a notice of a " Potential Lawsuit '' for IQ DATA INTERNATIONAL INC. for reporting adverse, negative and fraudulent information on my consumer credit reports. According to LAW IQ DATA INTERNATIONAL IN has 4 days to remove these negative items from my credit reports. The IQ DATA INTERNATIONAL IN company is in direct violation of the Fair Credit Reporting Act which is 15 USC 1681-1681 x. The Act also known as Title VI of the Consumer Credit Protection Act protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services etc. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. IQ Data is also in direct violation of the Privacy Act of 1974 ( 5 U.S. Code 552a ). Additionally, IQ DAta is deemed to be willfully violating 15 U.S. Code 1681n, Civil liability for willful noncompliance, ( a ) In general ; Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of .... ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. Additionally, 15 U.S. Code 6802 states, Obligations with respect to disclosures of personal information ( a ) Notice requirements. Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. IQ DATA does not have the right to obtain, buy, sell, trade, or securitize any of my personal information without my proper consent. I am demanding IQ DATA to remove all of my personal information from their database effective immediately, as well as all negative/adverse information on my credit reports, and refrain from contacting me via postal mail, email, or phone. IQ Data does not have my permission to conduct business with me, and never has. All of the corresponding information applies to all parties affiliated with reporting adverse information on my consumer credit reports, ie ; credit bureaus and agencies. Additionally, IQ Data violated CFR code 1022.24 which states Reasonable opportunity to opt out. ( a ) In general. You must not use eligibility information about a consumer that you receive from an affiliate to make a solicitation to the consumer about your products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by 1022.21 ( a ) ( 1 ) ( ii ) of this part.

12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time ''. I have opted out of all credit reporting bureaus and agencies for the protection of my privacy and identity theft at this time. An FTC fraud report will be conducted if said company does not comply expeditiously.

Company response to consumer: Closed with non-monetary relief