Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: T.S. Holdings
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX Date : XX/XX/XXXX Sent via Certified Mail To : I.Q. Data XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX, WA XXXX Re : Account Number Unknown Balance Reported : {$3100.00} Date Opened ( per credit report ) : XX/XX/XXXX To Whom It May Concern : This letter is being sent in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

I am formally disputing the validity of the above-referenced debt, which has been reported on my credit report by your agency. I am requesting full debt validation and verification as required by law. 

I did * * not open this account * *, nor did I authorize anyone else to open it on my behalf. On the date listed as the account opening ( XX/XX/XXXX ), I was * * XXXX XXXX XXXX XXXX * *, and I have documentation proving that I was not physically capable of initiating or authorizing any financial account during that time. I have * * no knowledge * * of this debt. 

As required under * * XXXX5 U.S.C. 1692g ( b ) * *, you must : 1. Cease all collection efforts until you have properly validated this debt.

2. Provide written evidence that I am legally obligated to pay this debt, including : - The name and address of the original creditor ; - The full account history ( dates, balances, and charges ) ; - Copies of any contracts or agreements bearing my name and signature ; - A complete chain of title showing how your agency obtained this debt.

Additionally, you are obligated under * * 15 U.S.C. 1681s-2 ( a ) * * and * * 1681s-2 ( b ) * * to report this account as * * disputed * * to all credit reporting agencies. Failure to do so constitutes a violation of the Fair Credit Reporting Act. 

Further, continued reporting or collection attempts on a fraudulent account without proper investigation may also constitute : - * * Fraud * * under state and federal criminal statutes ; - * * Negligent or willful noncompliance * * under * * FCRA 1681n and 1681o * * ; - * * Civil liability for damages * * under * * FDCPA 1692k * *. 

I am demanding : - * * Immediate suspension of all collection efforts * * ; - * * Complete removal of this account * * from all credit reports ( XXXX XXXX XXXX ) ; - Written confirmation that this account has been deleted ; - Compensation for any damages caused by this false reporting, should you fail to take corrective action. 

Failure to comply may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the Georgia Attorney Generals Office, and the possibility of legal action for damages, fees, and statutory penalties. 

Please respond to this request within 30 days from the date of receipt. I have attached a copy of my government-issued identification and XXXX documentation for your reference. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Email : XXXX Address : XXXX XXXX XXXX, XXXX XXXX GA XXXX

Company response to consumer: Closed with explanation