Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: NY

Complaint narrative:
To Whom It May Concern, I am writing this formal letter to dispute the validity, accuracy, and legal reporting of every single collection account currently listed on my credit profile, which total an aggregate collection debt amount of {$1100.00}. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), I am demanding absolute validation, verification, and proof of contract for each account detailed below. Because the account numbers on my consumer report have been partially masked or redacted, please use my personal identification details and the original creditor timelines below to fully identify my files. Itemized Account Registry Under Dispute 1. Account Collection Item : XXXX. XXXX, XXXX. XXXX XXXX : XXXX. XXXX, XXXX. Original Creditor : XXXX XXXX XXXX Masked Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$1000.00} Current Status : Serious Delinquency / Open Balance 2. Account Collection Item : XXXX XXXX XXXX XXXX XXXX : Credit Collection Serv Original Creditor : Progressive Insurance Masked Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$100.00} Current Status : Paid Collection Formal Demands for Verification I am formally disputing the completeness, calculation, and legal right to report every dollar of the {$1100.00} total collection balance shown across these accounts. I demand that the respective agencies furnish physical, written evidence of the following items within thirty ( 30 ) days of this notice : 1 Original Executed Agreements : The original contractual applications or service agreements bearing my signature with XXXX XXXX XXXX and XXXX XXXX, establishing that a legal, binding debt obligation was ever created. 2 Complete Transaction Ledgers : An itemized, from-zero accounting statement for both accounts detailing all original charges, interest assessments, fee additions, and payment credits to substantiate exactly how the final amounts of {$1000.00} and {$100.00} were calculated. 3 Legal Chain of Assignment : Documented proof showing the complete legal chain of custody and purchase/assignment agreements transferring collection rights from the original creditors to XXXX. XXXX, XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX : Certified proof that both third-party collection agencies hold the mandatory, active debt collection licenses and bonds required to legally operate and collect consumer balances within the state of New York XXXX Under the strict provisions of the Fair Credit Reporting Act, credit bureaus and furnishers are legally prohibited from reporting inaccurate, unverified, or incomplete credit items. If the reporting parties can not fully produce unmasked, legally sufficient documentation validating every single aspect of these accounts within the 30-day statutory timeline, all collection activities must permanently cease, and these derogatory trade lines must be completely removed from my credit history. Please route all formal tracking updates and final resolutions regarding this comprehensive dispute to my mailing address in writing.

Company response to consumer: Closed with non-monetary relief