Debt collection -- False statements or representation -- Complaint #4878586
Complaint Overview
Complaint ID: 4878586
Company: T.S. Holdings
Product: Debt collection
Sub-Product: Other debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Texas
ZIP Code: 75248
Date Received: 2021-11-04T12:00:00-05:00
Date Sent to Company: 2021-11-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
NOTICE TO AGENT IS NOTICE TO PRINCIPAL ; NOTICE TO PRINCIPAL IS NOTICE TO AGENT I, XXXX XXXX XXXX, am the Consumer in fact, Natural Person, true Original Creditor by law, Lender, Executor, Administrator, and Holder in due course for any and all derivatives thereof. I have been appointed as and accept being the Executor, both public and private, for all matters and proceedings, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent, attorney in fact, so help me God. Whereas, I, XXXX XXXX XXXX, of the age of majority, give this herein notice, I, under penalty of perjury under the laws of God, depose the following facts : 1. I, XXXX XXXX XXXX, am a Natural Person and Consumer with Constitutional and Federally protected rights under the Fair Debt Collection Practices Act, Fair Credit Reporting Act, 12 CFR Chapter 10, and 16 CFR Chapter 1. 2. As of XX/XX/2021, multiple Consumer Reporting Agencies ( XXXX, XXXX, and potentially others ) are reporting IQ DATA INTERNATIONAL ( Account # XXXX ) as seriously past due, assigned to attorney, collection agency, or credit grantor and/or as bad debt in the amount of {$2800.00}. 3. This appears to be a violation of 15 U.S.C. 1692j, which is the furnishing of certain deceptive forms, 15 U.S.C. 1692e for false or misleading representations, and 15 U.S.C. 1692b ( 2 ), as I have no lawful obligation to this debt. 4. This account and any related account, is in direct dispute as a potential fraud against me, the consumer, as in line with 12 CFR 1026.23 ( a ) ( 1 ), and a dispute against the type of account, principal balance, scheduled payment amount on the account pursuant to 12 CFR 1022.43 ( a ) ( 2 ). Additionally this account is in dispute due to lack of clarity on my, the consumer 's, performance or other conduct concerning this account or other relationship with IQ DATA INTERNATIONAL or any other alleged creditor according to 12 CFR 1022.43 ( a ) ( 3 ). 5. I, XXXX XXXX XXXX, at no time consented to or admitted to IQ DATA INTERNATIONAL or any other alleged creditor, or any Consumer Reporting Agency that I owe this debt, nor did I consent to IQ DATA INTERNATIONAL or any other alleged creditor or any other Consumer Reporting Agency reporting this alleged debt to the public. 6. It appears that IQ DATA INTERNATIONAL or any other alleged creditor of this account may be in violation of 12 CFR 1016.4, as I have not properly and conspicuously been provided my initial privacy notice. 7. Pursuant to 18 U.S.C. Section 8, all debts are obligations of the UNITED STATES. 8. This information is ruining my reputation in line with 15 USC 1681, and is a violation of privacy, a defamation of character, is causing damages, and negatively impacting my way of living. 9. Additionally, these unverified and inaccurate reports appear to be a violation of 15 USC 1692d ( 1 ) and 15 USC 1692K. 10. All above stated violations are subject to a {$1000.00} fine each individually. 11.. As a consumer in an alleged credit transaction, in the event IQ DATA INTERNATIONAL or any other alleged creditor has any current contract with me in regards to this account, I reserve my right to rescission and rescind my signature for any and all transactions, upon which, all monies paid and property must be returned to me in full pursuant to 12 CFR 1026.23 ( a ), and 12 CFR 1026.23 ( d ). 12. Additionally, if IQ DATA INTERNATIONAL or any other alleged creditor has any current contract with me in regards to account # XXXX ), they are potentially in violation, due to the fact that I was never provided clear and conspicuous forms or information of my right of rescission, pursuant to 12 CFR 1026.23 ( b ) ( 1 ).
Frequently Asked Questions
What is Complaint #4878586 about?
Complaint #4878586 was filed against T.S. Holdings regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2021-11-04T12:00:00-05:00.
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.