Debt collection -- Attempts to collect debt not owed -- Complaint #18939769
Consumer Claims Paid Debt Incorrectly Reported
Complaint Overview
Complaint ID: 18939769
Company: T.S. Holdings
Product: Debt collection
Sub-Product: Rental debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: South Carolina
ZIP Code: 29720
Date Received: 2025-11-30T12:00:00-05:00
Date Sent to Company: 2026-01-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The risk is medium because the consumer has provided evidence of payment, but the debt collector may have a different record or interpretation of the payment.
Consumer Sentiment: negative
Topics: Debt collection, Credit reporting, Disputed debt
AI Analysis
CFPB complaint 18939769 was filed against T.S. Holdings regarding Debt collection (Rental debt), specifically about "Attempts to collect debt not owed". A consumer disputes a debt reported on their credit, claiming it was already paid via creditor's insurance. The complaint was received on November 30, 2025 from South Carolina. The company responded with "Closed with explanation".
Consumer Narrative
Subject : Cease and Desist Incorrect Credit Reporting I am writing to formally request the removal of a negative item from my credit report that I believe is inaccurate and unjustly affecting my credit score. The item in question is listed under a negative account on my report in the amount of {$5300.00} on XXXX.According to my records, this debt has already been paid off through the creditor 's insurance which was a write-off in XXXX of XXXX
What You Should Do -- Consumer Action Plan
Consumers should keep meticulous records of all payments and communications with debt collectors, including proof of payment like insurance write-offs.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit bureaus and furnishers to investigate disputes and correct inaccurate information.
Regulatory Insight
Debt collectors must ensure the accuracy of information they report to credit bureaus, especially when a debt has been disputed or paid.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The consumer is located in South Carolina, and state laws may offer additional protections regarding debt collection and credit reporting.
Industry Comparison
This is a common issue in the debt collection industry where discrepancies in payment records can lead to disputes.
Related Issues
Frequently Asked Questions
What is CFPB complaint 18939769 about?
CFPB complaint 18939769 involves Debt collection (Rental debt). The consumer reported an issue with "Attempts to collect debt not owed", specifically "Debt was paid". This complaint was filed against T.S. Holdings on November 30, 2025.
Which company is complaint 18939769 filed against?
Complaint 18939769 was filed against T.S. Holdings. You can view all complaints against this company on their profile page at /company/t-s-holdings.
What was the company's response to complaint 18939769?
T.S. Holdings responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 18939769 filed?
Complaint 18939769 was received by the CFPB on November 30, 2025. It was sent to T.S. Holdings on January 22, 2026.
What state was complaint 18939769 filed from?
Complaint 18939769 was filed from South Carolina. You can view all complaints from this state at /state/SC.
Was the consumer satisfied with the resolution of complaint 18939769?
Dispute information is not available for complaint 18939769.
What product category is complaint 18939769 about?
Complaint 18939769 is categorized under "Debt collection", specifically "Rental debt". This is one of the product categories tracked by the CFPB.
How was complaint 18939769 submitted?
Complaint 18939769 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 18939769?
The Fair Credit Reporting Act (FCRA) requires credit bureaus and furnishers to investigate disputes and correct inaccurate information. This relates to a Debt collection complaint against T.S. Holdings involving "Attempts to collect debt not owed".
How likely is complaint 18939769 to be resolved?
Resolution likelihood: mixed. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 18939769?
This complaint is rated as medium risk. The risk is medium because the consumer has provided evidence of payment, but the debt collector may have a different record or interpretation of the payment.
What regulatory actions apply to complaint 18939769?
Debt collectors must ensure the accuracy of information they report to credit bureaus, especially when a debt has been disputed or paid. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 18939769?
Consumers should keep meticulous records of all payments and communications with debt collectors, including proof of payment like insurance write-offs.
Are there state-specific protections for complaint 18939769?
The consumer is located in South Carolina, and state laws may offer additional protections regarding debt collection and credit reporting. This complaint was filed from South Carolina.
How does complaint 18939769 compare to industry norms?
This is a common issue in the debt collection industry where discrepancies in payment records can lead to disputes.
What steps should a consumer take if a debt collector continues to report a debt as outstanding after it has been paid?
The consumer should send a formal dispute letter to the credit bureaus and the debt collector, providing all evidence of payment. If the issue persists, they may consider filing a complaint with the CFPB or seeking legal counsel.
How does creditor's insurance typically affect a debt, and can it be considered full payment?
Creditor's insurance is designed to pay off a debt under specific circumstances, such as the death or disability of the borrower. If the insurance paid the debt, it should be considered settled, and reporting it as outstanding would be inaccurate.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.