I.Q. DATA INTERNATIONAL, INC

2019-01-08

CO

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: This is a continuation of the issue as detailed in complaint # XXXX. After requesting a debt verification in a physical letter on XX/XX/XXXX, I received a phone call from someone claiming to be a representative of IQ Data International also operating as XXXX saying that they were aware of my request to verify the debt, and that they had attempted to collect a debt after the dispute was received, and they knew it to be already paid before any attempt to collect. The representative promised to send a written response to my debt verification indicating that they had acted improperly and in error, and that the case had been closed. To date I have not received a verification of the debt or the written response that was promised despite the deadline having passed. IQ Data/XXXX is now refusing to respond to my communications.
Company Response: Closed with non-monetary relief

Timely Response

2019-01-08

Arvada, CO

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I had a lease with a company that we were renting from. We had an agreement that we would break the lease early but get someone to sublease the property for us. We cleaned thoroughly and the other tenants moved in. They took over everything and even started their own lease. After a year i notice that there is an XXXX collection on my credit report from this company but yet they won't give me a breakdown of what its even for? I have tried to dispute the account with the credit bureaus but have not been successful. Please help
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-01-07

Tacoma, WA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: On XX/XX/2018 I sent a dispute to XXXX concerning my credit report. The dispute was : 1 ) The personal information reported by this creditor/Debt collector is incorrect. 2 ) The amount allegedly owed of a debt appearing on my credit score is fraudulently incorrect and reported incorrectly. 3 ) My lease was month to month and I had no balance when I moved. This is a retaliation tool used by this debt collector and landlords, to scare renters and block the ability for future rental. This fraudulent amount reports on my credit score for seven years blocking my ability for housing. On XX/XX/2018, I called XXXX as I had not been informed of any result of my dispute. XXXX attempted numerous times to get me to say my name was different. XXXX then informed me that they had made a decision to leave the information on my credit score on XX/XX/2018. I asked XXXX if they were going to inform me of their decision. The reply was, " we sent you an email. '' As I had not received any email or letter in the mail, I asked what Government agency I needed to contact for a review of their practices. XXXX informed me, " Consumer Reporting Agency. '' This information was incorrect. I called my local credit union and they assisted me in contacting Consumer Finance. I later discovered XXXX give the debt collection company any new information concerning me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2019-01-03

Tacoma, WA

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: On XX/XX/XXXX I received a final notice from my old apartment complex that said I owed the amount of XXXX or it would be sent to a collections agency. On XX/XX/XXXX, I received multiple harassing phone calls from IQ Data Inc. from phone numbers ( XXXX ) XXXX and ( XXXX ) XXXX. I received five phone calls from this number in a seven hour period, sometimes repeatedly, to my personal cell. As well as, two phone calls to my other number. Totaling seven phone calls in a seven hour period. I called the company back and spoke with a collections agent named " XXXX '' and verified he was making these calls and his supervisor. I informed them that this was harassment and I would file a complaint and to discontinue contacting me, they refused to acknowledge this request. I also have not received a 30 days notice. All of this information will be provided in attachment ( s ) below.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-01-02

Arvada, CO

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: We had a lease with an apartment complex that we had to get out of because we couldn't pay for it. We negotiated getting out of the lease, got a sub leaser, cleaned the apartment and left. There was a collection put on our reports after the fact for XXXX. This was far more then even the remainder of time on the lease and they have not sent us a breakdown of whats owed and why. We have attempted to get this removed by going directly to the company in question but have had no success.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-01-02

Lewisville, TX

Attempts to collect debt not owed

Debt collection: Mortgage debt

Debt is not yours
Complaint: I contacted this business for a debt that I believe doesnt belong to me. They were very rude and hardly gave any information. I asked for PROOF OF VALIDATION, they sent me two forms that look like they wrote in my name. These forms are fraudulent because Ive never signed nor lived at this address. The signatures on the form are nothing like mine, also I asked for the original documentation. They sent in a letter showing fees that were assessed. I never lived here and if someone has used my name I want to take the correct legal action. I would like this company to send me the original lease and any other proof that this is my debt, not just a paper they scammed together. If I dont receive original documentation I will be suing this company. Its been far to long that theyve been scamming me. Also every week theyre going up on the debt. This is also fraud and Ill be filing another complaint with the XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-01-01

Campbell, CA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: Called IQ Data to inform them about court cases regarding debt. Was transferred to an agent who continued to interrupt me, would not transfer me to a supervisor, threatened to put me in a " time out '' -- literally said time out. I attempted to give them the case information and he continuously stated that I had called multiple times with the same story. I have called this company all of twice. They contacted me previously and refused to state their identity or the debt holder. Currently, there are two pending legal actions regarding this alleged debt. I will be in court on XX/XX/XXXX. The originator of the alleged debt has been served by certified mail ( twice ). XXXX at XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXXXXXX are quite aware of the legal actions. The collection agency XXXX aka IQ Data is also aware. I attempted to give them my lawyer 's information and he continuously interrupted me. At that time I muttered " XXXX this '' and hung up. This behavior is harassment and illegal.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-12-29

South Florida, FL

Communication tactics

Debt collection: Other debt

Used obscene, profane, or other abusive language
Complaint: Company Name : IQ Data Manager name as she stated. XXXX XXXX I had been working with an agent here in regards to the debt. Over time, she would call monthly to schedule a payment. There was a month, I was unable to make a payment, but I still was able to pay it when the company withdrew the funds out of my account unknowingly after I had communicated with them. I contacted the company about it and I was rudely disrespected by an agent who hung up the phone on me the first time. I was so shocked because I wasnt treated that way by the first agent. If this is all recorded, they should have proof. On XX/XX/XXXX, I I contacted the depth collector myself as I usually do discuss arrangements about paying my debt. I spoke with a young lady who later transferred me to a manager because I had a question. The initial first time in XX/XX/2018, I was rudely talked to buy one of the agents there. I was transferred to a manager and she apologize for the agent that was talking to me very rudely. The manager name XXXX XXXX came on the phone and again talked to me abruptly as well as cut me off. She rudely kept reminding me of what my debt was. She was being very overly excessively rude and it stressed me out to the point to where I do not want to deal with this debt collector or make a payment to Them because this is the second time I have experience this and he has cause me a lot of anxiety. If I didnt want to handle the debt. I wouldnt call them. If this is the way these debt treat human beings, I never want to deal with them period. Its quite disrespectful and degrading to speak to anyone in this manner.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Timely Response

2018-12-26

VA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: Hi, I am raising this complaint with VERY LESS CONFIDENT whether the problem will resolved or not. Because i have tried to resolve this problem with all possible way. I do not have any more energy to go further actions ( e.g. lawsuit ) even if this issue is not resolved. I am thinking you are the final spot. or otherwise I will LIVE up with this problem forever. I am completely fed up, frustrated and stressed due to this. I came here only because i am abused and harassed by two parties.One is apartment management and another is Debt collection agency. Both of this parties are responsible my credit report damage. I have stayed in the XXXX XXXX XXXX from XX/XX/2018 to XX/XX/2018. i owed the bill amount {$320.00}, When i moved out from the apartment. They didn't properly informed me by sending bill to mail/email address about this amount even though i have provided all the information ( email and mail addresses ). The send this bill to debt collection agency ( XXXX XXXX XXXX ) even before informed me. I realized i have this debt only after i inquired to apartment leasing about my deposit amount. This is first stage i fed up. After that i have given the check to leasing office with the payment amount of {$320.00} on XX/XX/2018. I thought everything is OVER NOW. But i got a call from " XXXX XXXX XXXX '' on XX/XX/2018. They were asked me about the payment amount due {$320.00}. I told them, i have already paid the due on XX/XX/2018. But they said they have not received any communication from apartments. They asked the proof for payment and i sent an email to them with check image. Also i called apartments office and asked them to inform this paid debt to collection agency. They said they will inform to " XXXX XXXX XXXX ''. Now i realized everything is done. But it is NOT. The I Q Data Internal Inc ( " XXXX XXXX XXXX '' ) collection agency reported the amount {$320.00} to credit report agency as bad debt on XX/XX/2018. This is really SHOCKED for me which i have cleared the due amount on XX/XX/2018 itself and also informed payment to both parties ( Debt collection Agency and Apartment management ) on XX/XX/2018. I disputed the report to credit report agency. Now i started fighting again with I Q Data Internal Inc debt collections agency with all around the way i described above. I asked them to REMOVE the bad debt from my credit which i actually paid 2 months before on XX/XX/2018. But the final result i got today ( XX/XX/2018 ) from I Q Data Internal Inc is they will inform this bad debt as PAID/CLOSED status to credit report agency. I asked them REMOVE the report. They said they will not REMOVE the bad debt from my credit report and it is not their responsibility. My Question is, do i have to LIVE up with this bad credit report for 7 years? Which i have not really owed amount to anyone. I will provide more information on this if required. I have attached necessary documents here for your verification. I am severely fed up and stressed with this problem. Thanks
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with non-monetary relief

Timely Response

2018-12-25

Alpharetta, GA

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-12-24

Lake City, WA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-12-24

Moapa, NV

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: CFPB : My name is XXXX XXXX and the collection company I am talking about is called IQ Data International. This in regards to a charge that my old leasing company feels that they need to pin on me. I am having an attorney look at this as we do not feel we are responsible for the amount owed which was {$890.00} and they start to add interest. The address in the letters that they have sent state that they are from XXXX in Washington, but, the calls come from an XXXX area code which is the XXXX XXXX area. We are disputing this and I made that very clear to the Agent that I had spoken to from this so called collection agency. His name was XXXX XXXX, but, that could be a fake name. This agent was beyond unprofessional and he was making threats about my credit and it was as almost as if he was trying to bully me into giving him my credit card information. I called XXXX XXXX trying to explain the situation that I did not agree to any amount that was charged to me and that I was challenging this. The leasing company never even sent me a bill ( Invoice ) as they just sent to this IQ Data International. After giving XXXX XXXX a piece of my mind I terminated the call. Now they have someone named XXXX trying to call me. I am not This company 's approach at collecting debt is completely out of line and it really seems like a scam. I do not want these people calling me or sending me any more letters. Thanks, XXXX XXXX
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Timely Response

2018-12-19

Chandler, AZ

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-12-19

Austin, TX

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I sent a request for validation and dispute on XX/XX/2018 by fax. I never received a copy of the original dispute and requested why this was reported to Collections. I have received no response to my first request sent out XX/XX/2018, 30 days has passed, evidence attached. Second time I sent out another request by certified mail on XX/XX/2018 and received only a statement with two pages of the contract and no evidence I owe the debt in question. Sending only a statement with partial information is not proof debt is owed. My licensed agent with a POA on file with this company sent by certified mail, called and spoke with a XXXX XXXX and got nothing but yelled at, interrupted and wrongfully accused of arguing about the collection in question. Mr. XXXX could not get his request achieved with a fare answer. Conversation is attached that was recorded by his office.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Timely Response

2018-12-19

Chandler, AZ

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-12-18

Fruit Heights, UT

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation

Timely Response

2018-12-18

Northside, NC

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: Was contacted on XX/XX/XXXX about a debt to an apartment I allegedly owed ; asked them to send written statment of what the bill was for ; they refused stating they already sent one ; asked which address as I provided a forwarding address to the apartment owners/original creditors ; collection agency provided wrong address ; continually used hostile verbiage to attempt to collect debt including threatening my credit and threatening my ex 's credit Was contacted again on XXXX with the same hostility ; advised them they were calling a number used for work and to not contact me during work hours between XXXX and XXXX Monday through Friday Was contacted on Monday XX/XX/XXXX at XXXX while driving and creditor attempted to convince my to pay debt while driving on the highway ; was called again at XXXX by same creditor ; again at XXXX by same number and again at XXXX by the same number, a total of four times ( as of this writing )
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Timely Response

2018-12-18

Fresno, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: IQ DATA INTERNATIONAL ACCOUNT IS XXXX BALANCE IS {$5500.00} I REQUEST THIS ACCOUNT TO BE DELETED FROM XXXX AND XXXX. XXXX ALREADY DELETED IT FROM CREDIT REPORT, I WANT PROFF OF THIS DEBT SENT TO ME. OR BE DELETED FROM MY CREDIT REPORT.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-12-18

Phoenix, AZ

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: InXX/XX/XXXX, I sued the rental company XXXX XXXX, who falsely reported a debt I never owed the company. I sued the company and won a judgement. The company was owed {$0.00} from me and I won a cash amount from them. I.Q. International is refusing to take this information off of my credit report. This false information is effecting my ability to buy a house.XX/XX/XXXX- I spoke to XXXX at I.Q.International about the false information reported. He advised me to fax information to prove the debt is not owed. XX/XX/- I called employee # XXXX at I.Q. International to verify fax had been received. She rudely informed me that the debt was mine and refuse to inform me of the next steps to take to resolve the disagree I am having with the debt.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2018-12-17

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Timely Response

2018-12-15

San Diego, CA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: The company I am having an issue with is XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, CA XXXX I moved out of my apartment in XX/XX/2018, with one month of my lease remaining. I was unable to pay my rent, and after receiving a pay or quit I chose to quit. I cleaned the apartment and left. They kept my all {$1300.00} deposit, which was the two months rent I owed, and then sent me to collections with a company called IQ DATA INTERNATIONAL for over {$8000.00} of random and unitemized fees around XX/XX/2018. They are currently not answering my calls and have blocked my online access to the lease I have with them. This is preventing me from gathering the information I need to properly dispute the claim. I have disputed the claim with all three major credit reports, XXXX, XXXX and XXXX during the month of XX/XX/2018. At the moment this issue is preventing me from being able to pass a credit check and move into a new home. XXXX is claiming I still owe the debt but there is no documentation of what it is for or why I owe it. I am still waiting to hear back from the other two credit unions, but I am hoping you can help me resolve this issue before I need to spend money I do not have on a lawyer I can not afford.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-12-14

Campbell, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: XXXX XXXX or IQ Data has purchased a debt from XXXX at XXXX XXXX XXXX that does not exist. XXXX at XXXX XXXX XXXX is currently under suit by me. The attempted an Unlawful Detainer that they could not substantiate. I have a subsequent hearing in Small Claims court in my suit against this property. No stipulations exist within the court system and XXXX at XXXX XXXX XXXX ( XXXX ) communications contradict any and all statements with regard to an alleged " debt ''. The amount they claim owed can not be verified by XXXX who own and run the property. I have all the ledgers from my past year at this property. They are still libel for damages to my property and code violations. The debt as previously stated can not be verified. IQ Data contacted me and refused to name the party they obtained the debt from and harassed me for a day until I was forced to block the number.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-12-13

La Tijera, CA

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-12-13

Watkins, CO

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: My ex husband left the apartment we were living in and sticking me with the only one paying the lease. We were 6 months into a 1 year lease. After he left i could no longer afford to pay the lease so i worked out a deal with the rental company to get out of the lease. I left the apartment in great condition and had another person set to take over the lease after i moved out. However, I now have a collection company attempting to collect a XXXX dollars. There is no way that i owed that much even if i hadn't arranged everything. I've tried to call the company and also sent in things to the credit bureaus but nothing is working and they refuse to send me a breakdown of the bill.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-12-12

Pismo Beach, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Company believes complaint is the result of an isolated error Closed with non-monetary relief

Timely Response