Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: GA

Complaint narrative:
XXXX. Introduction I am submitting this complaint against IQ Data International for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and concerns regarding their compliance with the Fair Credit Reporting Act ( FCRA ). IQ Data Internationals representatives, including an operations manager named XXXX XXXX, and agent XXXX XXXX, have engaged in threatening, harassing, and unprofessional conduct. Their refusal to verify payment terms, listen to recorded calls, and answer legitimate questions raises serious concerns about their practices. I am requesting that this debt be deleted from my credit report due to their unlawful conduct and violation of federal consumer protection laws. 

XXXX. Details of the Incident On XX/XX/2024, I contacted IQ Data International regarding a prior payment arrangement.

I noticed that they charged my card more than the agreed-upon amount, so I politely requested that they stop charging my card and verify the initial phone agreement by listening to their call recordings. 

They refused to verify the recordings and denied that the agreed terms were not met. 

Specific Incidents of Misconduct : Threats and Intimidation Operations Manager XXXX XXXX responded to my concerns by saying : Well then you will just have to wait and see what happens next, and abruptly hung up the phone if I didn't make a payment that day over the phone. 

This statement was threatening and designed to intimidate me without providing clarification or addressing my valid concerns. 

Repeated Hang-Ups and Call Avoidance : After XXXX XXXX hung up on me, I called back two more times : First call : A representative forwarded my call before I could finish explaining my reason for calling, and the line disconnected. 

Second call : I spoke to a representative named XXXX XXXX or XXXX XXXX ). When I asked her to clarify what XXXX XXXX meant by what happens next and whether I could make payments online, she refused to answer and mentioned that I was being rude to them, so they were no longer going to answer anymore questions for me. 

XXXX told me : I have nothing further to say to you, and sarcastically added, look in the mirror after I politely expressed frustration with their rude and dismissive behavior. 

Refusal to Address Disputes or Verify Agreements : Despite my repeated requests, IQ Data International refused to listen to the call recordings to verify my initial agreement.

I repeatedly asked about their next steps, how I could make future payments, and clarification on their threats. Each time, I was ignored or dismissed. This collection was never verified, and the only reason I made a payment to them is because I need this off of my credit report.

Unauthorized Charges IQ Data International cha
rged my card for an amount exceeding the original agreement without my consent.

Attorney Verification Due to IQ Data Internationals repeated harassment and refusal to act professionally, I had my attorney handle communications with them moving forward. My attorney can verify and attest to IQ Data Internationals unprofessional, threatening, and harassing behavior, as they treated her in the same rude and dismissive manner.

3. Violations of the FDCPA Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), IQ Data Internationals conduct constitutes multiple violations : Use of Threatening Language Section 806 ( 15 U.S.C. 1692d ) prohibits conduct that harasses, oppresses, or abuses consumers.

The statements you will just have to wait and see what happens next and their refusal to clarify the threat create an atmosphere of intimidation and fear. 

Failure to Provide Accurate Information Section 807 ( 15 U.S.C. 1692e ) prohibits deceptive and misleading representations.

Refusing to explain their next steps, verify my payment terms, or address unauthorized charges constitutes misleading behavior.

Refusal to Validate Agreements Section 809 ( 15 U.S.C. 1692g ) requires debt collectors to provide validation and verification of the debt upon request.

IQ Data Internationals refusal to review call recordings or confirm payment terms violates this provision. 

Harassment Through Hang-Ups and Sarcasm Section 806 ( 5 ) ( 15 U.S.C. 1692d ( 5 ) ) prohibits repeated calls or communication intended to annoy, abuse, or harass a consumer.

Hanging up multiple times, forwarding calls unnecessarily, and making sarcastic remarks like look in the mirror reflect abusive and harassing behavior.

4. Concerns Under the FCRA Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), debt collectors must ensure that debts reported to credit bureaus are accurate and verifiable.

IQ Data Internationals refusal to verify my agreement raises concerns about the accuracy of the reported debt. I request that they validate this debt in compliance with Section 609 of the FCRA. Given their behavior and violations, I request that this debt be deleted from my credit report as their reporting does not meet lawful standards.

5. Resolution Requested I respectfully request the following actions : A formal investigation into IQ Data Internationals violations of the FDCPA and FCRA.

Deletion of this debt from all credit reporting agencies due to their unlawful conduct and failure to comply with federal laws.

Verification of the validity and accuracy of the reported debt under the FCRA. Verification of Ownership of the Debt.

Immediate cessation of their threatening, harassing, and unprofessional communication practices.

Appropriate disciplinary action against IQ Data International, including a review of their internal training and policies.

6. Conclusion IQ Data Internationals conductincluding threats, refusal to verify agreements, unauthorized charges, and harassing communicationclearly violates federal laws. Additionally, my attorney can provide further verification of their unprofessional behavior. I urge the CFPB to investigate this matter, delete the debt from my credit report immediately, and hold IQ Data International accountable for their unlawful practices. 

Thank you for your attention and assistance in resolving this matter.

Company response to consumer: Closed with explanation