Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TX

Complaint narrative:
NOTICE OF DISPUTE AND REQUEST FOR VALIDATION Account Information : Creditor/Collector : IQ Data XXXX XXXX XXXX Reported Balance : {$2000.00} Account Status : Open / Placed for Collection Date Opened : XX/XX/year> I am formally disputing the validity, accuracy, and legal enforceability of the above-referenced account pursuant to the Fair Debt Collection Practices Act ( FDCPA ), XXXX U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ( b ). I do not believe the balance being reported is accurate, complete, properly validated, or legally owed as currently claimed. This alleged debt stems from a previous lease at XXXX XXXX XXXX XXXX. Upon vacating the unit, I ensured the apartment was left clean, with trash removed, reasonable touch-ups completed, and the premises left in overall good and rentable condition. I possess photographs supporting the condition of the unit at move-out. The charges being claimed appear inflated, unsupported, and inconsistent with both the lease terms and standard landlord-tenant obligations regarding ordinary wear and tear associated with normal residential occupancy. I occupied the residence for approximately one year with myself and three minor children, and reasonable wear and tear should be expected under applicable landlord-tenant standards. Additionally, prior to my occupancy, management advised me that the apartment required resurfacing work to the kitchen countertops and bathroom sink due to pre-existing damage from a prior tenant. I was informed this issue predated my tenancy and that maintenance would address it after move-in. To my knowledge, this repair was never completed. I dispute any attempt to attribute these pre-existing conditions or resurfacing-related issues to me, as apartment management should possess maintenance records, inspection documentation, photographs, or resident file notes supporting that these conditions existed prior to my tenancy. I further dispute : Charges for utilities beyond my occupancy period Alleged rent or lease obligations after vacating the unit & END OF MY LEASE TERM Any damages not supported by itemized documentation, inspections, invoices, or lease authority Any charges inconsistent with ordinary wear and tear protections Additionally, I never received a proper final itemized move-out statement detailing the alleged balance prior to collection reporting. Pursuant to federal law, I request complete validation and investigation of this account, including : A complete itemized breakdown of all charges A copy of the signed lease agreement Move-in and move-out inspection reports Photographs and damage assessments Proof the alleged charges comply with lease terms Proof of assignment or transfer to IQ Data XXXX XXXX XXXX Copies of invoices, repair bills, or utility calculations supporting the balance Proof a final accounting statement was properly mailed Please note that reporting inaccurate, incomplete, misleading, or unverified information to consumer reporting agencies may violate the FCRA, including 15 U.S.C. 1681e ( b ) and 1681s-2 ( b ). If this account can not be properly validated and supported with competent documentation, I request that all collection activity cease and that the account be removed from all consumer reporting agencies immediately. This correspondence constitutes a formal dispute and request for reasonable investigation. I request written confirmation of the results of your investigation and validation efforts within the time permitted by law.

Company response to consumer: Closed with non-monetary relief