T.S. Holdings

I contacted this company called iq data once I notice and account for {$130.00} on my credit and in collections they informed me it was for an apartment in XXXX Alabama named XXXX XXXX. I informed them that I would never apply for an apartment because I own my house!

I previously disputed this account because it does not belong to me, yet the company re-inserted the collection on my credit file. Furthermore, when I contacted the collection agency to request debt validation and documentation, their representative became highly hostile, shouting and refusing to cooperate or pull the records directly from the property management. They are currently reporting an invalid debt that violates the terms of a mutually signed release contract, causing severe and unfair damage to my credit score. This situation is causing me severe emotional distress and anxiety. I am currently continuing with my psychological therapy to heal from past trauma, and this unfair financial harassment and uncooperative behavior from the collection agency is actively taking a toll on my mental health and well-being.

On XX/XX/year> at XXXX I called trying to resolve a debt that has been affecting my XXXX XXXX, and withholding me from finding a future apartment that is also not accurate from the previous renters that I moved out from. I was looking for guidance and help in the matter. An employee named XXXX from IQ data international answered once i was connected. I knew immediately by her tone she was not going to be helpful. I was ridiculed and yelled at for simply asking questions and advice on how to dispute the false charges, then repeatedly hung up on. I finally was able to call back and asked to speak to a XXXX. A supervisor picked up and I recieved the same abrasive treatment.

IQ Data XXXX is collecting and reporting an invalid rental debt of {$3200.00} principal ( now {$3300.00} with accrued interest at XXXX % per annum ), Reference XXXX. The original creditor is XXXX XXXX XXXX, managed by XXXX XXXX XXXX XXXX. THE DEBT IS NOT OWED. The underlying lease was a fixed-term residential lease ending XX/XX/XXXX ( XXXX XXXX XXXX ). Written non-renewal notice was given on XX/XX/XXXX, which was 80 days before the lease 's XX/XX/XXXX notice deadline and 110 days before lease expiration. XXXX acknowledged the notice in writing on XX/XX/XXXX ( " Your current lease ends on XX/XX/XXXX '' ) and helped market the unit for a replacement tenant. Possession was surrendered on XX/XX/XXXX by returning the keys with video documentation. On XX/XX/XXXX, XXXX committed in writing to refund the {$600.00} security deposit to the forwarding address provided.…

I am submitting this complaint regarding an unverified collection account being reported and collected by IQ Data International , Inc. I do not recognize this alleged debt and I did not authorize or enter into any agreement related to this account. I have reason to believe this account may be the result of identity theft, inaccurate reporting, or improper collection activity. IQ Data International is currently reporting a collection account with a balance of approximately {$19000.00} on my consumer credit report ; however, the company has failed to provide any signed contract, account-level documentation, or proof that I am legally obligated for this debt. Additionally, the account is being reported with incomplete and inconsistent information across the credit reporting agencies. Important XXXX XXXX reporting fields including payment history, account terms, last payment information, and other required account data are missing or not properly reported.…

Since about XX/XX/XXXX I have been contacted on numerous occasions about a debt that I owe to an apartment complex I never lived in. After explaining to the apartment complex that I never lived there they seemed to understand. Since about XX/XX/XXXX I have been contacted by debt collectors that were sold my data by the apartment complex. I have had multiple conversations with the data center and have achieved nothing. I have been yelled at and called a liar. They refused to verify my information and continuously refuse to send me documents they have confirmed they possess numerous times on numerous recorded phone calls. I am told to pay my debt or get off their phone. Although my responses to their comments are not professional, I am beyond frustrated. This has now affected my credit and they continue to change the balance by few dollar amounts and its raising and lowering my credit every couple of days.

On or around XX/XX/XXXX, I received a collection notice in the mail from I.Q. Data XXXX XXXX XXXX regarding purported debt I still owed an apartment complex called XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida. This notice came almost a year and a half after I had left the complex ( XX/XX/XXXX ). It appeared to be a scam to me since I had paid down all that was supposedly owed to the complex. I called the number to inquire what it was regarding and spoke with an account representative named XXXX XXXX. She said our call was on a recorded line and that I still owed money. I asked why I was receiving this notice so long after I left and she claimed they did not have my address. This is not true. XXXX XXXX had my forwarding address that I gave them in XX/XX/XXXX to send my deposit. I had also requested a final update of last billing which XXXX XXXX never provided.…

My identity was stolen by someone in Indiana in XX/XX/year>. When I found out in XXXX I immediately disputed what was there and put a fraud alert and freeze in place with the credit bureaus. I also filed reports on Identity Theft .org and am now filing a police report. Since then a utility account has popped up that I disputed. Today I found out that an apartment was rented in my name and not paid. Collections were sent to IQ Data who added it to my credit report without notifying me in any way. I called them to see what ai need to do to dispute it and why they did not notify me before adding to my report as that is illegal debt parking. They told me they cant do anything but send me a fraud packet to my current address, which they did not have and I had to give them.…

IQ Data XXXX and XXXX XXXX XXXX failed to validate debt. They sent documents with the wrong name, cut-off signature not mine, amounts inaccurate. Incorrect spelling and/or representation of my name was clearly listed Absence of my signature on any contractual agreement Apparent character errors and inconsistencies that call into question the authenticity of the documents Disputed with XXXX and they still marked validated without reviewing the evidence submitted.

I was a month-to-month residential tenant at a XXXX, XXXX XXXX XXXX. My co-tenant submitted our move-out notice on XX/XX/XXXX through the property 's resident portal, which was the channel the property had directed residents to use for move-out notices. We moved out on XX/XX/XXXX exactly 30 days later. Under California Civil Code section 1946.1 ( b ), tenants in a month-to-month residential tenancy are only required to provide 30 days ' notice. The property 's own Final Move-Out Statement confirms " Notice Given Date : XX/XX/XXXX '' and " Move-Out Date : XX/XX/XXXX. '' Despite this, the property assessed an " insufficient notice '' fee of approximately {$4900.00}, claiming 60 days ' notice was required. They also misapplied my XX/XX/XXXX payment of {$2100.00} ( intended for rent and utilities ) to the disputed fee instead. Between XX/XX/XXXX and XX/XX/XXXX, I sent four written disputes to the property. None received a response.…

On XX/XX/XXXX I was contacted by XXXX XXXXXXXX XXXX XXXX. They offered to give me a partial rent credit if I decided to cancel my lease termination. I wasn't able to do so, and stated as such since I had already relocated. I asked if I would have time to make the final payment, since My payday was a week after the end on my lease or when I would turn in keys on XX/XX/XXXX. The apartment manager said she would give me 30 days to make the final payment before sending my account to collections. I Mailed my keys and they received them on XX/XX/XXXX. I received a collection notice the following week, the day i tried to make my payment online. I called their office to ask what happened. They told me that a payment needed to be made by certified funds. I asked why my account was sent to collections and they leasing agent said she would ask the manager when she returned on one day.…

I am filing a formal complaint regarding a debt that is being collected by IQ XXXX XXXX, which originated from a residential lease with XXXX XXXX. This debt is being improperly and unfairly attributed solely to me, despite the lease being a multi-tenant agreement involving multiple individuals. I am disputing the validity and accuracy of the full balance being assigned to me for the following reasons : The lease included multiple tenants, and I am not solely responsible for the total debt I vacated the property and made efforts to fulfill my portion of the lease obligations Any remaining balance and alleged damages involve other tenant ( s ) and circumstances outside of my control The collection agency has refused to acknowledge or pursue other responsible parties and is attempting to collect the full amount from me alone I have attempted to resolve this matter directly with the collection agency by disputing the debt and requesting validation.…

Around XXXX XXXX we were contacted by an agent claiming to be IQ data. We were told that our previous apartment ( XXXX XXXX XXXX XXXX for short ) have sent our debt to collections. At this time we were unaware of any outstanding fees regarding XXXX besides our say rhino charges for damages and miss ed rent totaling XXXX. We paid rent in full too XXXX. Up to this point we were unaware of any other fees and no contact had been made from XXXX. Ive even attempted multiple calls to them to check to see if any other fees were needed. Today during the call the agent who is a supervisor I believe his name work XXXX I dont remember due to how intensely he was trying to force us to pay this money. I stated multiple times that Id like to contact the proper in order to figure out the fees. He stated that if I hung up the call that they would immediately hurt my credit and that I only had once chance to pay or pay a down payment and pay the rest next week.…

I moved out of an apartment I was renting on XXXX XXXX, 2025 with XXXX XXXX XXXX XXXX XXXX XXXX located XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX where I lived for 7 years. when I first moved in, I initially pay a {$500.00} security deposit listed on my lease. I never received my security deposit back after I moved out. A few months later I received a letter from the above-mentioned collection agency stating they kept a {$300.00} security deposit which was actually {$500.00} then stated I owe an additional {$260.00}. I attempted to resolve this issue with several representatives of the above collection agency ; they refused to listen and accept the lease contract I sent them via certified mail stating my security deposit was {$500.00}, not {$300.00} this collection and the landlord are stating. I want this issue resolved and removed from all three major credit bureaus.

IQ Data XXXX RE : Formal Dispute, Cease Collection, Request for Validation, and Complaint of Misconduct To Whom It May Concern, I am writing regarding an alleged debt your company is attempting to collect. This debt is formally disputed in its entirety. It was previously dismissed in court and is associated with a lease impacted by documented XXXX XXXX. Any continued attempt to collect this debt may violate protections under the Violence Against Women Act as well as applicable Colorado tenant protections. Despite this, your company continues collection efforts. Additionally, during my recent communication with your office, I spoke with a representative identified as XXXXl, whose conduct was unprofessional and concerning.…

NOTICE OF DISPUTE AND REQUEST FOR VALIDATION Account Information : Creditor/Collector : IQ Data XXXX XXXX XXXX Reported Balance : {$2000.00} Account Status : Open / Placed for Collection Date Opened : XX/XX/year> I am formally disputing the validity, accuracy, and legal enforceability of the above-referenced account pursuant to the Fair Debt Collection Practices Act ( FDCPA ), XXXX U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ( b ). I do not believe the balance being reported is accurate, complete, properly validated, or legally owed as currently claimed. This alleged debt stems from a previous lease at XXXX XXXX XXXX XXXX. Upon vacating the unit, I ensured the apartment was left clean, with trash removed, reasonable touch-ups completed, and the premises left in overall good and rentable condition. I possess photographs supporting the condition of the unit at move-out.…

I vacated my apartment ( Unit XXXX XXXX ), The XXXX, XXXX TX ) on XX/XX/XXXX, following a lawful lease termination under Texas XXXX XXXX XXXX ( f ) due to a condition materially affecting my health and safety. The XXXX XXXX XXXX ( XXXX XXXX ) subsequently sent a move-out balance of {$4000.00} which I disputed in writing in XX/XX/XXXX, requesting full debt validation from IQ Data International pursuant to FDCPA 15 U.S.C. 1692g. IQ Data failed to respond to my XX/XX/XXXX validation request and instead reported this account to XXXX, XXXX, and XXXX without marking it as disputed, in violation of 15 U.S.C. 1692e ( 8 ). When I disputed the account with XXXX, IQ Data certified the information as accurate despite never providing proper validation. On XX/XX/XXXX, I sent IQ Data a certified letter notifying them of these violations and demanding correction. Their XX/XX/XXXX validation response provided only a copy of my lease and a self-generated charge statement.…

I am formally disputing an apartment-related debt being collected and reported by IQ Data XXXX XXXX because the alleged damages were pre-existing and improperly attributed to me. I moved into the apartment in XX/XX/XXXX and completed the required move-in inventory and condition form at the beginning of the tenancy. On that form, I documented multiple pre-existing issues within the unit, including flooring/carpet damage. IQ Data XXXX has now provided a copy of the move-in inspection form, and the document itself reflects handwritten notes regarding the flooring condition at move-in. During my tenancy, maintenance requests were submitted regarding the flooring issue, and management attempted repairs. The repairs were unsuccessful and the flooring problem continued afterward, demonstrating that management was aware of the condition during occupancy and that the issue was ongoing in nature rather than newly caused tenant damage.…

I moved from my apartment on XX/XX/2026. The landlady wrote down the amount I owed and said that was it. They kept my security deposit to cover any damages. Now Im receiving calls multiple times times a day from is data about fees owed.

I am submitting this complaint regarding a fraudulent rental debt that resulted from identity theft. The apartment account and related collection activity were opened and/or used without authorization using my personal information. I did not apply for, authorize, or benefit from this rental account. At the time the account was opened, I was incarcerated and could not have entered into a lease agreement or occupied the property. An FTC Identity Theft Report has already been completed regarding these fraudulent accounts. Despite this, the debt is being reported and/or collected as if it belongs to me, which is causing harm to my credit and financial standing. I am requesting that this fraudulent debt be investigated, removed from my credit reporting, and that all collection activity related to this identity theft stop immediately.

On XX/XX/XXXX i requested : * The name and address of the original creditor * The current amount owed, including : * principal * interest * fees * late charges * An itemized accounting of the debt * The date the debt was incurred * The date of the last payment * Proof the collection company owns the debt or has authority to collect it * A copy of the original contract, agreement, or signed application if available * Proof the debt is within the statute of limitations for your state * Your name and address associated with the account * The account number ( usually partially redacted ) * A copy of any judgment if they claim there is one * Their debt collector license number if your state requires licensing Under the U.S. Fair Debt Collection Practices Act ( FDCPA ), i requested validation within 30 days of first written notice. After 45 days i received a copy of a leave. Nothing else was included. Debt has been failed to be validated.…

XXXX XXXX XXXX, I fell into some financial hardships and I was relying on my school checks to help pay my rent. My school check for the Summer semester was a little late making it difficult to pay my rent on time. I communicated all of this with the leasing office, in which I will provide copies of this. When I was finally able to receive the deposit from the school I went and got a Money Order and dropped it off at the office. I later returned home the next day with the money order sitting on my countertop, which was an unlawful entry because I never authorized anyone to enter. They stated that they legally could not take the money order due to their policies. I spoke with XXXX, who was the leasing manager, and she stated that because it hasn't been 30 days they should be able to take the money. I then received an email from XXXX stating that they are unable to, and maybe I had an alternate conversation with XXXX, but as on XXXX XXXX XXXX she is unable to.…

I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

This is for XXXX XXXX XXXX. FROM XX/XX/XXXX around XXXX. The lady who spoke with me last on the phone was cutting me off, yelling, mocking, putting me down, telling me to get money from a friend. Said the debt has been ongoing for XXXX. She was repeating what I was saying, and was not having a glimmer of humane interaction with me when I was the one who called THEM, trying to see what my options are, as I have slowly been paying off all of my debt, newly unemployed, and was in a XXXX XXXXXXXX situation. She did not care or even try to hear me. I have never been spoken to in such an aggressive way by customer service. It was demoralizing. I have been trying my best. This was my last major credit I needed to pay off- it's the biggest amount I owed. But instead of understanding or even stop talking long enough to listen, she chose to do the exact opposite.…

I am submitting a formal dispute regarding the reinsertion and accuracy of this collection account. This account was previously removed from my credit report and has since been reinserted without prior notice to me. I did not receive any written notification explaining that the account would be re-reported or the basis for its reinsertion. I request full documentation of the reinsertion process, including the method of verification used and the certification provided to the credit reporting agencies. Additionally, I dispute the accuracy of the reported balance. The account has reported inconsistent amounts, including an initial incorrect balance, followed by an increased balance that now includes approximately {$780.00} in alleged court filing fees. The related court case was dismissed, and no judgment was ever entered against me.…

My girlfriend lived in a apartment complex fuller station from XXXX to XXXX, I never resided there nor signed any lease or was a cosigner signer for her as we had just started dating at the time, I have no clue how they have gotten any of my information to make a report on my credit report for this when it is not my debt. XXXX also won't dispute it because the credit company is refusing to admit they're wrong by having me as a joint holder on a account I dont even own or was on. I then requested a lease or proof to show I am financially responsible and was told they couldn't provide this. I also included copies of her lease to show I was never on it!

was contacted by IQ Data International about a debt of {$5200.00}. They called my mother and also called me 4 times in one hour, which I have documented. They used intimidation tactics, telling me things like they would close the account if I did not pay, making it sound like something serious would happen legally without saying it directly. They also told me to take out a loan or borrow money from family and friends to pay. They never sent me anything in writing to prove the debt was mine even though I asked. I made a {$500.00} payment because of the pressure from their intimidation tactics. I sent them a formal demand letter by certified mail on XX/XX/year> informing them of their violations and requesting written debt validation. I gave them 15 days to respond and that time has not passed yet.…

I am filing a complaint regarding an apartment complex and debt collection matter involving charges from my previous apartment account that were ultimately paid and confirmed settled, yet were still referred to collections. After moving out of my previous apartment, charges were added to my account in XXXX. Upon seeing the charges, my husband and I immediately contacted the leasing office multiple times by phone and email requesting an itemized ledger and explanation of the fees so we could understand what we were being charged for before submitting payment. As it was XXXX, we still had plenty of time before the payment was due. Despite repeated attempts to obtain clarification, we received little to no response for an extended period of time. On XX/XX/XXXX, we contacted the office XXXX final time and clearly stated that we were willing and prepared to pay the charges immediately once we received the requested breakdown of fees.…

am writing to formally notify you of a breach of agreement and violations of the Federal Fair Debt Collection Practices Act ( FDCPA ) and the Florida Consumer Collection Practices Act ( FCCPA ). I spoke with your representative. At the onset of the call, I clearly disclosed that I was recording the conversation for my records. Your representative explicitly consented to the recording and continued the call. During this recorded conversation, your agency made a specific, binding promise : that in exchange for my payment of {$830.00} this account would not be reported to any credit bureaus. Relying on this representation, I made the payment in full. Despite this agreement, your agency has reported this account to the credit bureaus, negatively impacting my credit profile. This constitutes a " false, deceptive, or misleading representation '' used to collect a debta direct violation of 15 U.S.C. 1692e and Florida Statute 559.72.…

Upon moving out of my apartment, the leasing office informed me that I would be contacted for a walkthrough. However, I did not receive any such communication. XXXX months later, I received a bill in the mail with a charge for carpet replacement. I promptly contacted the leasing office to inquire about the charge. The leasing office informed me that the carpet in XXXX of bedrooms were damaged, and that I would be responsible for replacing both carpets in both bedrooms. I provided them with proof that the carpet was not damaged and video evidence to support my claim. XXXX of their associates assured me that they did not care about the impact on my credit and that they would proceed with the charge regardless. I questioned why I was being charged for both carpets when they claimed only XXXX was damaged and that this was not mentioned in my lease agreement. I then sent them a certified letter disputing the charge, which they had given me XXXX days to do so.…