Debt collection -- Attempts to collect debt not owed -- Complaint #12501153
Complaint Overview
Complaint ID: 12501153
Company: T.S. Holdings
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Florida
ZIP Code: 33411
Date Received: 2025-03-15T12:00:00-05:00
Date Sent to Company: 2025-03-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
XXXX XXXX XX/XX/year> IQ DATA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Cease and Desist Notice Dear Sir/Madam, I am writing in response to your recent communication regarding the collection of an alleged debt. Please be advised that I have never conducted any business with your company, nor do I owe any debt to your organization. After thoroughly reviewing my records, I can find no valid transaction or agreement that would give rise to this claim. Therefore, I request that you immediately cease and desist all communication regarding this matter. As per the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that you stop any further attempts to collect this alleged debt from me, including but not limited to phone calls, letters, or other forms of communication. Additionally, I require that you provide me with written validation of the debt you claim I owe, including the following information : The name of the creditor and any documentation of my obligation to them. A detailed explanation of the amount owed and the basis of this debt. Proof that you are authorized to collect on this debt. If you continue to contact me regarding this matter or fail to provide the requested validation, I will be forced to consider further legal action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and your states attorney generals office. Please acknowledge receipt of this letter and confirm that all actions to collect this debt will be halted until proper validation is provided. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #12501153 about?
Complaint #12501153 was filed against T.S. Holdings regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-03-15T12:00:00-05:00.
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 (Debt collection) 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.