Consumer complaint received 2026-05-06 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: FL

Complaint narrative:
I am filing this complaint against IQ Data XXXX XXXX XXXX regarding an alleged rental/apartment collection account associated with Celano Apartments. I sent IQ Data a written request for validation of this alleged debt. In that request, I asked IQ Data to provide documentation proving that I am legally responsible for the balance, how the balance was calculated, what charges make up the balance, and what authority IQ Data has to collect and report this account. IQ Data has not provided sufficient documentation validating this alleged rental debt. Specifically, IQ Data has not provided a lease agreement or rental contract proving my legal obligation, a complete resident ledger, a move-out statement, an itemized breakdown of the balance, documentation supporting rent, fees, utilities, damages, deposits, credits, adjustments, or collection fees, or proof that IQ Data has authority to collect and furnish this account. Despite failing to provide complete validation, IQ Data continues reporting and/or attempting to collect this account. This is unacceptable because a rental debt can not be verified by simply claiming a balance is owed. IQ Data must be able to prove the legal obligation, the charges, the itemization, the balance calculation, and its authority to collect and report. Under 15 U.S.C. 1692g ( b ), a debt collector must cease collection activity after a written dispute 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 conduct also raises concerns under 15 U.S.C. 1692e because continuing to represent this account as valid, accurate, and collectible without producing the required documentation is misleading. It also raises concerns under 15 U.S.C. 1692e ( 2 ) ( A ) because IQ Data is representing the character, amount, or legal status of a debt that has not been fully supported. If IQ Data can not show the lease, ledger, move-out accounting, and itemization, then the claimed amount and legal status of the debt remain unverified. IQ Datas conduct further raises concerns under 15 U.S.C. 1692f ( 1 ) because a debt collector may not collect any amount unless that amount is authorized by the agreement creating the debt or permitted by law. IQ Data has not provided the rental agreement or charge documentation showing the claimed amount is authorized. Because IQ Data is furnishing information to consumer reporting agencies, IQ Data also has duties under the Fair Credit Reporting Act after disputes. Under 15 U.S.C. 1681s-2 ( b ), a furnisher must reasonably investigate disputed information and correct, delete, or modify information that is inaccurate, incomplete, or unverifiable. IQ Data has not provided the documents needed to prove this account is accurate, complete, legally owed, and properly reportable. A generic claim that the account is owed is not sufficient. I am requesting a direct, account-specific response identifying the documents IQ Data reviewed, how the balance was calculated, and what authority IQ Data has to continue reporting this account. If IQ Data can not provide complete documentation proving the alleged debt, the account should be deleted from all consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief