Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: T.S. Holdings
State: FL

Complaint narrative:
Back in XX/XX/XXXX, I received a credit alert that a collection agency was added to my credit reports by the name of IQ Data International. The collection agency had never contacted me with a written right to dispute or any notice of communication whatsoever. Instead, they just added the account on to my credit reports and advised the credit bureaus in the notes section-unable to locate consumer. Therefore, I reached out to the collection agency Certified mail with a dispute letter. However, IQ Data International deliberately ignored each dispute, while continuously and vigorously began alerting the credit bureaus that the account followed the laws of the FCRA, unable to locate the customer, yet updated the balance each month continuously on a disputed account. Finally, after notifying the FTC several times, and advising the credit bureaus that IQ Data International deliberately ignores all disputes, fails to respond to dispute letters received certified mail, fails to respond within 5 days of receipt, IQ Data International sent out a billing statement as a debt validation. The billing statement listed an incorrect spelling of my name, the billing statement also listed the name of a minor name of a minor child as responsible for the payment, IQ Data International also had an incorrect social security number listed as my social security, they also listed their company name under 3 different addresses with each credit bureau, and IQ Data International also listed a completely different account number with the credit bureaus than the billing statement that they provided to me. Iq Data International also reported 3 different account balances on each credit report. Iq Data International had also been pulling my credit without my prior knowledge or consent leaving inquiries on my credit reports while deliberately telling the credit bureaus, " Customer disputes, account follows FCRA-unable to locate customer. '' The collection agency also had an incorrect address listed as my contact address. Therefore, they began secretly pulling my credit while ignoring my disputes, and they quickly updated the address from being incorrect in their system to correct. However, they falsified their investigations to the credit bureaus while still managing to ignore dispute letters received Certified mail. Therefore, I reported the collection agency to the Attorney General & the Federal Trade Commission. I provided the supporting documents to both agencies in XXXX. As a result of their FCRA, FDCPA violations, IQ Data International removed their company name and account numbers off of my credit reports. However, the collection agency waited and re-added themselves back onto my Transunion credit report. IQ Data International illegally updated this already disputed and previously deleted account again on XX/XX/XXXX. The collection agency is very incompetent of the laws of the FDCPA.

Company response to consumer: Closed with explanation