Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: NV

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Website : [ XXXX : XXXX ] ( https : XXXX/ ) * * Subject : * * * * FORMAL COMPLAINT : VIOLATION OF FAIR CREDIT REPORTING, ILLEGAL RENTAL INTEREST CHARGES, AND MALICIOUS CREDIT REPORT INFLATION * * * * Dear CFPB Complaint Review Officer, * * I am filing a formal complaint regarding * * XXXX XXXX  * *, * * IQ Data International * *, and * * XXXX  * *, which have engaged in * * unlawful debt reporting, predatory rental contract practices, and inaccurate credit report inflation * *. Despite clear * * state laws prohibiting interest on rental balances * *, XXXX XXXX has * * furnished an invalid debt * * to credit bureaus, which IQ Data International is attempting to * * collect with unlawful fees * *. 

Additionally, * * XXXX XXXX  failed to provide utility billing records when requested * * and * * did not repair the water heater * *, which was a * * fundamental habitability issue * *. When I sought to clarify the back-billed sewer charges, * * they refused to comply * *, demonstrating * * disregard for tenant rights and proper billing transparency * *. Furthermore, they * * attempted a self-help eviction * * by shutting off water servicea direct violation of * * XXXX  Revised Statutes ( NRS ) 118A.500 * *, which prohibits landlords from using * * utility shutoffs as an XXXX  method * *. 

# # # * * VIOLATIONS OF STATE & FEDERAL LAW * * 1. * * Fair Credit Reporting Act ( FCRA ) Violations ( 15 U.S.C. 1681s-2 ) * * - * * TransUnion knowingly accepted and reported a debt containing unlawful interest charges * *, violating * * FTCs accuracy requirements * *. 
- * * XXXX XXXX  and IQ Data Internationals debt furnishing violates federal rules governing credit accuracy * *, leading to * * malicious credit inflation * *. 

2. * * Fair Debt Collection Practices Act ( FDCPA ) Violations ( 15 U.S.C. 1692f & 1692e ) * * - * * IQ Data International is unlawfully collecting a rental debt with interest * *, which is * * prohibited under XXXX  law * *. 
- Debt collectors * * can not pursue illegal fees * * this constitutes * * unfair and deceptive collection practices * *. 

3. * * Illegal Interest Charges ( XXXX  Revised Statutes 99.050 ) * * - XXXX  law * * explicitly prohibits landlords from charging interest on rental debt * *. 
- * * XXXX  XXXX  included illegal interest charges in its contract * *, making the * * entire lease agreement void * *. 

4. * * Self-Help XXXX  ( NRS XXXX XXXX * * - * * XXXX XXXX  shut off water service * * in an attempt to force my departure, violating state tenant protections. 
- * * Failure to maintain habitable living conditions * * and refusal to provide * * utility billing details * * further demonstrate * * negligence and fraudulent practices * *. 

# # # * * REQUEST FOR CFPB INVESTIGATION & LEGAL REMEDY * * I respectfully request that the * * Consumer Financial Protection Bureau ( CFPB ) * * : * * Conduct an official investigation into XXXX XXXX, IQ Data International, and XXXX  inaccurate reporting practices. * * * * Mandate immediate removal of the fraudulent debt from credit reports. * * * * Impose penalties for violating federal credit reporting accuracy rules and illegal debt collection tactics. * * * * Provide legal guidance for affected consumers experiencing similar predatory rental practices and debt collection abuses. * * # # # * * NOTICE OF ESCALATION * * If corrective action is not taken, I will : * * File additional complaints * * with the * * Federal Trade Commission ( FTC ) * * and * * XXXX  Attorney Generals Office * *. 
* * Seek legal representation for a formal lawsuit * * against * * XXXX XXXX, IQ Data International, and XXXX  * *. 
* * Publicly report these deceptive practices to consumer protection organizations and BXXXX XXXX XXXX XXXX XXXX ) * *. 

I appreciate the * * CFPBs immediate attention * * to this matter and look forward to confirmation that * * appropriate corrective actions are being enforced * *. Please provide an update on next steps for resolution. 

* * * * note I am XXXX and this was composed with XXXX XXXX.

Company response to consumer: Closed with explanation