Consumer complaint received 2024-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: MI

Complaint narrative:
To Whom It May Concern, I am formally disputing the accuracy, ownership, and reporting of this collection account, which I have no knowledge of. Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), I am requesting immediate validation and investigation of this account. Furthermore, I am demanding compliance with all relevant federal laws governing the reporting and collection of consumer debts. Specifically, I request the following : 1. Validation of Debt ( 15 U.S.C. 1692g ) Provide complete and detailed validation of this debt, including : A copy of the original signed agreement or contract proving this account is mine. 
An itemized accounting of all charges, fees, and payments made to date, showing how the balance was calculated. 
Proof of your legal authority to collect this debt, including a copy of the assignment contract or bill of sale that establishes a valid chain of assignments. If the debt was sold multiple times, provide documentation for each transfer. 

2. Proof of Permissible Purpose ( 15 U.S.C. 1681b ) If you accessed my credit report, provide documentation showing that you had a permissible purpose to do so under the FCRA. Specifically, demonstrate that : You have a valid legal basis to access my consumer credit file. 
This account was reported or accessed in compliance with federal law. 

Unauthorized access to my credit file is a violation of the Fair Credit Reporting Act and may result in legal consequences. 

3. Compliance with Privacy Laws ( 15 U.S.C. 6802 ) Under the Gramm-Leach-Bliley Act, you must demonstrate compliance with federal laws protecting my nonpublic personal information. Provide proof that : I was notified and provided consent for any disclosures of my information to third parties. 
Your possession and use of my personal information complies with all applicable privacy regulations. 

Failure to comply with these requirements constitutes an unlawful disclosure of personal information. 

4. Verification of Reporting Accuracy ( 15 U.S.C. 1681e ( b ) ) Under the FCRA, all information reported to credit bureaus must be accurate and complete. If you intend to verify this account, provide the following : A detailed explanation of the procedures followed to verify the accuracy of this information under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ). 
All documentation retrieved and reviewed during the investigation that proves this account is accurate. 

5. Method of Verification and Shortened Timeline ( FCRA 611 ) If you verify this account, I demand a detailed description of the method and procedure used to verify its accuracy. This includes : All documentation from the original creditor. 
A detailed breakdown of how the reported information was confirmed to be correct. 

You must provide this information to me within 15 days of verification ( or the legally required timeframe of 30 days under the FCRA ). If you can not verify this account, it must be removed from my credit report immediately under 15 U.S.C. 1681i ( a ) ( 5 ). 

6. Identity Theft Investigation ( 18 U.S.C. 1028A ) If this debt resulted from identity theft or fraud, I demand that you investigate under 18 U.S.C. 1028A. Provide evidence proving this account was not the result of fraudulent activity, including : All identification and information used to create the account. 
Proof that the account was lawfully opened and maintained. 

Failure to investigate or provide adequate documentation will result in further legal action. 

7. Compliance with Billing Procedures ( 15 U.S.C. 1666b ) If this account includes late payments, demonstrate compliance with the Truth in Lending Act ( TILA, 15 U.S.C. 1666b ). Specifically, provide proof that : Periodic billing statements, as required under 15 U.S.C. 1637 ( b ), were provided at least 21 days prior to the payment due date. 
Late payment reporting adhered to all federal guidelines. 

If these procedures were not followed, any late payment reporting is invalid and must be deleted. 

Cease and Desist Request ( FDCPA 805 ( c ) ) Under 15 U.S.C. 1692c ( c ), I formally request that you cease and desist all communication with me regarding this alleged debt. You may only contact me to provide : 1. Validation of the debt as requested above. 
2. Notice that you are terminating collection efforts.

3. Notification of legal actions you intend to take, if any.

Failure to comply with this request will result in immediate complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state attorney generals office. 

Summary of Demands If you can not validate this debt, prove its accuracy, or demonstrate compliance with the laws listed above, you must : 1. Immediately delete this account from my credit report under FCRA 611 ( a ) ( 5 ).

2. Cease all collection activity related to this account. 

Failure to comply with these demands will result in complaints to the appropriate regulatory agencies and may result in legal action for violations of federal law. 

Thank you for your prompt attention to this matter. I expect to receive all requested documentation and responses within the legally mandated timeframe.

Company response to consumer: Closed with explanation