Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TX

Complaint narrative:
I surrendered my previous apartment on XX/XX/XXXX. I physically handed my keys and wrote out my forwarding address for the Property Manager to mail me. I never heard from that apartment or received a final bill until a random day on XX/XX/XXXX IQ Data called about a debt that I was never aware of and hounded me to pay XXXX dollars. I was taken aback and called XXXX immediately and was told that as of their records I didn't owe anything. I called back and was given the same aggressive manner to pay now on a debt I was unaware of. It wasn't until I forwarded my address from the vacated apartment through USPS that I finally received a document. Not only was this after the 2 collection accounts hit my reports... It was on XX/XX/XXXX ( XXXX months after I moved out and XXXX months after I spoken to IQ Data ) and addressed to the apartment I vacated which showed me that it was negligent and misrepresented because I moved out in XX/XX/XXXX but IQ Data sent debt collecting notices in XX/XX/XXXX to a place they were collecting the debt on ( shown in documents IQ data has provided ) I couldn't have disputed this debt in a timely fashion if possible because I never received anything just a phone call randomly about a debt I wasn't even sure that I owed. 


Summary of Dispute : This complaint involves two collection accounts ( {$2000.00} and {$500.00} ) reported by IQ Data International. IQ Data submitted altered and inaccurate documentation to validate these debts and failed to report them accurately to XXXX 

Key Issues Raised : - IQ Data negligently never proved that I was even notified of this debt before being sent to collections. 
-IQ Data knowingly sent debt collecting notices to an already vacated apartment as a means of " written notice ''.

- IQ Data submitted an altered version of my original XXXX XXXXt document, changing the unit and without a new signature. 
- The altered document was used to validate both the {$500.00} and {$2000.00} debts. 
- IQ Data failed to include my second ( renewed ) lease, which impacts charges and terms. 
- Transaction history includes multiple billing discrepancies : {$75.00} NSF fee charged when the lease specifies a {$55.00} maximum $ XXXX renters insurance charged despite the consumer having private insurance ( renamed " damage waiver '' ; mid-lease without explanation ) {$10.00} Building and Facility Fee that does not appear in the renewed lease Waste management fee listed at {$10.00} instead of {$13.00} per the second lease {$50.00} administrative fee and {$150.00} security deposit charged at move-in despite the lease specifying a XXXX XXXX was paid in lieu of a security deposit {$9.00} " convenience fee '' ; began appearing mid-second lease, not disclosed in lease or charged during prior 1.5 years Duplicate charges for renters insurance and damage waiver appeared in the same month ; one was refunded, indicating possible fee padding or inconsistent billing - The {$2000.00} collection was reported to XXXX 5-6 months after it appeared on XXXX  and XXXX, suggesting re-aging XXXX intentional score manipulation. 


I have provided the original documents I received during my residency to compare and assist CFPB staff in quickly reviewing the nature of the complaint, legal issues involved, and attached supporting documents. All claims are supported by accompanying lease records, deposit contract, credit reports showing delayed reporting & random removal, forwarded mail with wrong address and transaction history screenshots.

Company response to consumer: Closed with explanation