Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: GA

Complaint narrative:
I am filing this complaint against IQ Data XXXX XXXX XXXX regarding a residential rental collection account they are reporting on my consumer credit file for an alleged debt connected to XXXX XXXX XXXX. I previously sent IQ Data XXXX a written request for debt validation. This was not a general request for a balance statement. I specifically requested documentation proving that I legally owe the alleged rental debt, including the lease agreement or rental contract, a full itemization of the balance, documentation showing how the amount was calculated, original creditor records supporting the alleged charges, and proof that IQ Data XXXX has authority to collect and furnish this account. IQ Data XXXX has not provided sufficient validation of this alleged debt. They have not provided the lease-level documentation, complete itemization, resident ledger, move-out statement, charge breakdown, or proof of legal obligation necessary to support the balance being collected and reported. This is a serious issue because IQ Data is continuing to report a derogatory rental collection while failing to provide the basic documents needed to prove the account is accurate, legally owed, properly itemized, and authorized for collection. Under 15 U.S.C. 1692g ( b ), once a consumer disputes a debt in writing and requests verification, a debt collector must cease collection activity until verification is mailed to the consumer. IQ Data has not provided complete verification of this alleged rental debt, yet the account continues to be treated as collectible and reportable. IQ Datas continued reporting also raises concerns under 15 U.S.C. 1692e, which prohibits false, deceptive, or misleading representations in connection with debt collection. Continuing to report and collect a rental balance without producing the lease, full ledger, itemized charges, move-out statement, and proof of authority is misleading because it represents the debt as valid and collectible without competent documentation. This also raises concerns under 15 U.S.C. 1692e ( 2 ) ( A ) because IQ Data is representing the character, amount, and legal status of a debt that has not been properly verified. If IQ Data can not prove the lease obligation, itemized balance, and supporting charge records, then the amount and legal status of the alleged debt remain unsupported. IQ Datas conduct also raises concerns under 15 U.S.C. 1692f ( 1 ) because a debt collector may not collect any amount unless that amount is expressly authorized by the agreement creating the debt or permitted by law. IQ Data has not provided the lease agreement, itemized ledger, or documentation showing that each amount being collected is authorized. The account is also reporting with inconsistent balance information. My earlier credit report dated XX/XX/year> showed the IQ Data account reporting with a balance that differs from the balance later shown on my updated credit report dated XX/XX/year>. This unexplained balance change raises serious concerns about the accuracy and reliability of the information IQ Data is furnishing. If IQ Data is changing or furnishing different balances, they should be able to provide a full account-level itemization showing every charge, payment, credit, deposit, adjustment, fee, utility charge, damage charge, rent charge, or collection cost included in the balance. IQ Data has not provided that documentation. I also obtained a XXXX tenant screening disclosure, which I am uploading as supporting evidence. This alleged rental obligation is not consistently reflected across tenant screening and consumer reporting systems. That inconsistency further calls into question whether the account is complete, accurate, properly verified, and properly reportable. Because IQ Data is furnishing this account to consumer reporting agencies, IQ Data also has duties as a furnisher under the Fair Credit Reporting Act. After a dispute, a furnisher must conduct a reasonable investigation and correct, delete, or modify information that is inaccurate, incomplete, or can not be verified under 15 U.S.C. 1681s-2 ( b ). The issue is not simply that IQ Data claims a balance is owed. The issue is that IQ Data is continuing to furnish a damaging rental collection without providing the documents necessary to prove the balance, the lease obligation, the itemization, the date of first delinquency, and their authority to collect and report. IQ Data has not provided : A copy of the original lease agreement or rental contract bearing my signature ; A complete resident ledger ; A move-out statement ; A full itemization of the alleged balance ; Documentation showing how the balance was calculated ; Documentation supporting each charge included in the alleged balance ; Proof of deposits, credits, payments, adjustments, or fees applied ; The original creditors records supporting the alleged debt ; Proof that IQ Data XXXX has authority to collect this account ; Proof that IQ Data XXXX has authority to furnish this account to the consumer reporting agencies ; Documentation confirming the date of first delinquency ; A clear explanation for the inconsistent balance reporting between my XX/XX/year> and XX/XX/year> credit reports. Without those documents, IQ Data can not reasonably claim this account is accurate, legally owed, properly itemized, or properly reportable. I am requesting that IQ Data provide a direct, account-specific response to this complaint. A generic statement that the account is verified or that a balance is owed is not sufficient. I want IQ Data to identify the exact documents reviewed, explain how the balance was calculated, provide the lease and full itemization, explain the balance change, and prove its authority to collect and report this account. If IQ Data can not provide complete documentation proving the alleged rental debt, balance, legal obligation, date of first delinquency, and authority to collect/report, this account should be deleted from all consumer reporting agencies.

Company response to consumer: Closed with explanation