Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12278575
Complaint Overview
Complaint ID: 12278575
Company: T.S. Holdings
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: North Carolina
ZIP Code: 28027
Date Received: 2025-03-01T12:00:00-05:00
Date Sent to Company: 2025-03-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I.Q. Data XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Debt Validation Request Pursuant to the FDCPA Dear I.Q. Data XXXX, I am writing to formally request validation of the debt that your company is attempting to collect from me. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am entitled to receive full verification of this alleged debt before I take any further action. Please provide the following documentation to validate this debt : 1. Proof of Assignment A copy of the original agreement that legally transfers this debt to your agency. 2. Original Creditor Information The name and contact details of the original creditor, including account details. 3. Complete Payment History A full breakdown of how the amount was calculated, including principal, interest, fees, and any additional charges. 4. Legal Right to Collect Documentation proving your legal authorization to collect this debt on behalf of the original creditor. 5. Signature Verification A copy of any agreement with my signature that proves I am legally obligated to pay. 6. Statute of Limitations Documentation proving the debt is within the legal timeframe for collection. If you are unable to provide all the requested validation within 30 days, you must immediately cease collection efforts and remove this account from my credit reports as per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Additionally, any further reporting of an unverified debt to the credit bureaus is a direct violation of the FCRA and FDCPA, and I will not hesitate to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General if necessary. Please consider this a formal dispute of the validity of this debt. I expect a response in writing within the legally required timeframe. I.Q. Data XXXX account number- XXXX Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #12278575 about?
Complaint #12278575 was filed against T.S. Holdings regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-03-01T12:00:00-05:00.
How did T.S. Holdings respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against T.S. Holdings?
Yes, visit the T.S. Holdings company profile at readthecomplaint.com/company/t-s-holdings to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.