Debt collection -- False statements or representation -- Complaint #8333948
Complaint Overview
Complaint ID: 8333948
Company: T.S. Holdings
Product: Debt collection
Sub-Product: Rental debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Maryland
ZIP Code: 20877
Date Received: 2024-02-12T12:00:00-05:00
Date Sent to Company: 2024-02-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally dispute the collection account referenced as # XXXX on my credit report. It has recently come to my attention that this account stems from alleged outstanding charges from XXXXXXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, MD. However, I contest the validity and accuracy of the debt for the following reasons : Lack of Notification : Prior to the appearance of this collection account, I received no communication from XXXX XXXX XXXX XXXX regarding any outstanding charges or attempt to resolve the matter amicably. There was no opportunity given to address or rectify any potential issues before it escalated to collections. Absence of Detailed Documentation : Despite my request for substantiation of the alleged debt, XXXXXXXX XXXX XXXX XXXX has failed to provide any meaningful documentation or evidence to support the charges totaling {$370.00}. I have diligently sought an itemized breakdown of the expenses, including dates, amounts, and the nature of the charges, but to no avail. Unjustified Retention of Security Deposit : Furthermore, it is pertinent to mention that XXXX XXXX XXXX XXXX has also withheld my security deposit without proper explanation or justification. This raises concerns regarding the transparency and fairness of their billing practices. Premature Involvement of Collection Agency : Instead of engaging in constructive dialogue to address any discrepancies or outstanding payments directly with me, XXXX XXXX XXXX XXXX opted to involve a collection agency, I.Q. Data International , Inc., located at XXXX XXXX XXXX, XXXX, WA XXXX. This hasty action suggests a disregard for due process and a failure to adhere to fair debt collection practices. In light of the above, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by formally disputing the validity of this debt. I demand that all collection efforts cease until such time as XXXXXXXX XXXX XXXX XXXX provides verifiable evidence supporting the alleged charges and the legality of involving a collection agency without prior notice. I expect a thorough investigation into this matter and a prompt response within 30 days of receipt of this letter. Failure to provide adequate documentation or resolve this dispute satisfactorily will leave me with no choice but to explore further legal remedies available to me.
Frequently Asked Questions
What is Complaint #8333948 about?
Complaint #8333948 was filed against T.S. Holdings regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2024-02-12T12:00:00-05:00.
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.