Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: T.S. Holdings
State: AZ

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX XXXX have willfully violated multiple provisions of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Act ( CFPA ), and my constitutional rights under federal consumer law. 

Accounts appearing on my credit reportincluding XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Acct : XXXX ) XXXX XXXX XXXX ( Acct ending in XXXX ) XXXX XXXX XXXX ( Acct ending in XXXX ) are inaccurate, unverifiable, and include data tied to identity theft, fraud, and unauthorized third-party transfers. I never gave written consent for my private information to be shared, sold, or accessed by third-party collectors. I did not authorize the reporting of several of these accounts, nor did I open or benefit from them. 

Despite filing formal written disputes under FCRA 609 ( a ) ( 1 ) and 611, the credit bureaus failed to perform a reasonable investigation or provide the method of verification, which is a legal requirement. Under 1681i ( a ) ( 1 ) ( A ), they had 30 days to investigate and respond ; they instead chose to verify accounts without documentation, validation, or lawful authority. 

I also invoked my right to a complete consumer file disclosure, as well as my right to be protected from the reporting of inaccurate, misleading, obsolete, or fraudulent data. I never received proof of contract, application, wet-ink signature, or lawful verification, nor did I receive notice of reinvestigation results that complied with FCRA 611 ( a ) ( 6 ). 

This is especially damaging because my personal and financial information may have been compromised in a data breach, and these companies continued to furnish and verify fraudulent data in disregard of that risk. I am a minority woman, single mother of XXXX, currently facing financial hardship due to these inaccuracies, and I have already been denied credit, housing, and employment opportunities as a direct result. 

I sent certified disputes and attached proof of identity, hardship, and consumer law protections. Yet, these bureaus and furnishers refused to honor 15 U.S.C. 1681c-2, which mandates the blocking of information resulting from identity theft. I also demanded deletion under FCRA 602 ( A ), which declares that credit reporting practices must be fair, impartial, and respectful of consumer privacy. 

By continuing to report accounts that were : Opened without my knowledge or consent Transferred or sold to unauthorized third parties Verified without legal documentation the companies involved are now in willful noncompliance, and I demand full deletion of all disputed accounts immediately. 

I am requesting : Immediate removal of all accounts I have disputed in writing and through your system. 

A complete reinvestigation with full disclosure of method of verification. 

Proof of permissible purpose for every inquiry and reporting action. 

Penalties and sanctions against any company that fails to comply. 

This complaint is being submitted under my full rights as a natural person and consumer, and I am prepared to escalate to legal action under 15 U.S. Code 1681n and 1681o if compliance is not met immediately.

Company response to consumer: Closed with explanation