I.Q. DATA INTERNATIONAL, INC

2018-10-10

Winnsboro, LA

Incorrect information on your report

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

Account status incorrect
Complaint: I have contacted the creditors, who placed the collection and asked them to remove the collection from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.. The account is posted on my credit report filed date XX/XX/2017 to current. Amount {$810.00}
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-10

Fort Worth, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-08

Herndon, VA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Timely Response

2018-10-08

Puyallup, WA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-05

LA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: To whom it may concern : I have a collection account on my file from a collection agency, IQ DATA INTERNATIONAL, the accounts is as follows ( IQ DATA INTERNATIONAL account # : XXXX ). Please be advised that I am disputing this collection due to, IQ DATA INTERNATIONAL & XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX, does not currently have a valid license in Louisiana to collect on debts. The information attached is not yielding and results for an active license with for this company according to, Louisiana Secretary of State ( XXXX XXXX XXXX ). I am requesting the the matter be investigated and delete these accounts from my credit file immediately or provide me with physical proof that IQ DATA INTERNATIONAL is licensed to collect debts in Louisiana. Your immediate response will be greatly appreciated.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-05

Dallas, TX

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2018-10-04

San Diego, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-04

Communication tactics

Debt collection: Other debt

Used obscene, profane, or other abusive language
Company Response: Closed with explanation

Timely Response

2018-10-04

Mountain View, OK

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I lived in an apartment complex in XXXX Texas, which we moved out of in XX/XX/XXXX ( XX/XX/XXXX ). On XX/XX/XXXX, I received a statement of deposit accounting from XXXX XXXX XXXX, which is the parent company of the complex we lived in. The statement of deposit accounting directed me to pay {$240.00} to XXXX XXXX XXXX/IQ Data. On XX/XX/XXXX, I sent a money order to XXXX XXXX XXXX/IQ Data for the outstanding fees, per Steadfast Management. In XX/XX/XXXX, I received my check in the mail from XXXX XXXX XXXX/IQ Data, with a note attached which reads " As we are unable to locate this account this check/money order to you. Thank You, IQ Data International Accounting Office ''. On XX/XX/XXXX, I wrote letter to both I.Q. Data International and XXXX XXXX at XXXX XXXX/XXXX XXXX XXXX. In my letters I disputed the increased fees because of through no fault of mine they had charged me interest. On XX/XX/XXXX, I received a letter from IQ Data International , Inc., Account Rep. XXXX XXXX, again asking me for {$250.00}, which was the original debt plus {$8.00} in Interest. I still dispute the interest charges. On XX/XX/XXXX I received an email from XXXX XXXX, Regional Manager for XXXX XXXX XXXX. In her email she admits there was a problem with their transferring of files from her company to IQ Data International. That there would be no negative impact on our credit because there was a 45 day race period. On XX/XX/XXXX, I used my XXXX XXXX XXXX XXXX debit card and paid the original debit {$240.00} ( I have the transaction in my account statement ). Yesterday XX/XX/XXXX, I received a telephone call from a Representative of IQ Data International who said, I still owed the debt. IQ Data International has killed our FICO credit rating. We want an acknowledgement from IQ Data International that our debt is paid and was paid as far back as XX/XX/XXXX. We want our credit rating restored to it's prior ranking. We want an apology.
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

2018-10-03

Vicksburg, MI

Problem with a credit reporting company's investigation into an existing problem

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

Investigation took more than 30 days
Complaint: A debt collection company, IQ Data International failed to validate information that they have placed on my credit report in XX/XX/XXXX. The original amount that is in question was {$5200.00}, As of XX/XX/XXXX the amount is now {$6100.00}. On two separate occasions I sent IQ Data International a certified letter asking them to please verify that I owe them this debt, and to provide documentation with my signature showing that I was in agreement with IQ Data International to pay this amount. The first letter was sent on XX/XX/XXXX certified by the USPS. After not receiving a response within 30 days, I then sent another certified letter by the USPS on XX/XX/XXXX asking them once again to validate the information that they have placed on my credit report. As of today, I have not had any response from IQ Data International, but they continue to increase the amount owed on my credit report monthly. My rights are being violated. I am a single mother of XXXX and a XXXXXXXX XXXX. Due to this increasing amount on my credit report, I am being denied a loan for a home. I am unable to even qualify for an apartment in a safe neighborhood for my family. I just really would like some help getting this matter resolved. I know if they are doing this to me, they are doing it to other people too.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-01

Hurst, TX

Communication tactics

Debt collection: Other debt

Used obscene, profane, or other abusive language
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-01

Bueche, LA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: XX/XX/2018 I was contacted by a company named XXXX XXXX XXXX is XXXX XXXX a part of XXXX XXXX XXXX informing me that they where calling to collect on rent that was owed to my previous apartment complex in the amount of about {$1100.00}. I informed multiple employees over the phone that my rent was paid on time and I had multiple forms of receipts and payment confirmations for the months in question Available upon request. I was told the person whose job it was to check the emails for claims was not at work at the time. And was told Id receive a back. XX/XX/XXXX I contacted them after not hearing back. I was told I needed to resend my payment confirmation emails because they where not able to find it due to a typo in the subject line. I did so and have not heard back sense I am worried that this is not resolved and my information might be given to another debt buyer soon.
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with non-monetary relief

Timely Response

2018-10-01

Lk Buena Vis, FL

Communication tactics

Debt collection: Other debt

Used obscene, profane, or other abusive language
Complaint: I called XXXX XXXX XXXX, XXXX to figure out why they sent me a letter stating I owe XXXX $ from an apartment I moved out from. They stated to me it was for some move out charges. I was never notified of any charges after move out before this letter. I talked to a female I believe her name was XXXX. She was extremely rude, and tried to get me to pay today, however I declined and told her I need a breakdown of what these charges are, and she refused to do so. She then questioned me why I am calling her, and I advised her because this letter has your information on it. She began to get very loud, combative and rude with me, and at that point I felt threatened by her tone and felt as if she was trying to verbally harrass me.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with non-monetary relief

Timely Response

2018-09-28

Beyersville, TX

Communication tactics

Debt collection: Other debt

Used obscene, profane, or other abusive language
Complaint: I Contacted IQ Data to follow on a validation letter signed by my client to validate a debt requested on XX/XX/2018. The letter is attached with this complaint showing a fax confirmation of our request to their fax number on their letter head in response to our first request which was not completely done but only a statement from the original creditor which also was not a break down of fees or charges, from them or the creditor. I called on XX/XX/2018 and spoke with an account representative about XXXX and XXXX being deleted from my clients credit reports but XXXX was still being reported. I had asked why they still were reporting to XXXX? First the rep told me that it was outside their statute of limitations. I then asked if thats the case, why then are you still reporting it to XXXX? This representative seemed very confused and placed me on hold. A supervisor by the name of XXXX XXXX got on the phone and told me that your client has sent us a cease & desist letter, and we can not discuss this debt with you or him. I disagreed to her response and said that is not true. I have the letters in front of me. Our last letter was dated for XX/XX/2018 asking you for the missing information that we never got in my clients letter dated from XX/XX/2018. I see you guys are not validating the debt or sending any response to my clients request which they said they received. XXXX XXXX said my client has sent them a cease & desist letter which is not accurate. The last letter which is attached clearly states if they did not respond to my clients request that they are willfully in " Admission of Silence '' by not responding and my client will use that in his defense. After telling Mrs. XXXX this, she started yelling at me and asking me if I was an attorney and I clearly said no, but Im my clients agent with a POA on file with you as a licensed credit repair business. Mrs. XXXX would talk over me and not allow to pursue my clients request in disputing the debt and requesting a fair validation request or respond to our second request. Still the validation request has not answered in a timely manor. My client feels they have violated his Fair Credit reporting rights.Its now been 30 days as today writing his validation. Please see both letters attached- POA ( Notarized ) Fax confirmation for XX/XX/2018
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2018-09-26

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-09-25

Cheverly, MD

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I am writing in regards to a debt that is listed on my credit report as XX/XX/2017. The information is being reported by IQ Data International ( original creditor XXXX XXXX XXXX XXXX XXXX, GA ). IQ Data International is reported inaccurate and fraudulent information. Several disputes have been made with all three credit reporting agencies over the past year. The company has not provided proof of the debt. The amount due increases monthly and has resulted in a negative credit rating and financial hardship.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2018-09-25

Atlanta, GA

Communication tactics

Debt collection: Other debt

Used obscene, profane, or other abusive language
Complaint: They called me IQ Data International.. on XX/XX/18 I had no idea I had two things in collections.. The guy was screaming at me and using abusive language with me, threatening my credit if I didn't pay the full amount on that day.. he wouldn't even give me options to pay, or give me time to THINK HOW i was going to resolve the issue. I felt violated and highly disrespected.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Timely Response

2018-09-25

Winnsboro, LA

Incorrect information on your report

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

Information belongs to someone else
Complaint: I have contacted the creditors, who placed the collection and asked them to remove the collection from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.. The account is posted on my credit report filed date XX/XX/2014 to current. Amount {$510.00}
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-09-25

ID

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: XXXX XXXX XXXX " located on XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX WA XXXX '' alter the documents and forge it in order to get money from victims like me, they bought rental contract from " XXXX XXXX XXXX '' for place which I already left on mid of XX/XX/XXXX after I left early notice of leave, and trying falsely claim about {$9000.00} for many items include carpet replacement, early termination fees etc. this place I left on XX/XX/XXXX and they sated falsely I was evicted on XX/XX/XXXX. they forge the contract and removed name and sign of responsible party in contract which is one who was responsible for contract. This company should subject to Federal investigation due to forgery practice.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-09-20

Saint Paul, MN

Communication tactics

Debt collection: Other debt

Used obscene, profane, or other abusive language
Complaint: My debt was placed in collections on XX/XX/XXXX. I never received any information to resolve the debt prior to it being placed in collections. I proceeded to try and simply just dispute it, knowing that it was an invalid debt to begin with. I sent in documentation stating why I wanted the debt disputed and how it wasn't valid on XX/XX/XXXX upon receiving the original creditors evidence against me. Several months later, I tried to apply for a new place of residence, and was denied due to this never being dismissed, despite my trying efforts to dispute. I finally file a suit to get the debt dismissed with the initial creditor which was XXXXXXXX XXXX. In the process I ended up being XXXX and was assisted to get the debt paid to continue my search for a new home. When it was brought to my attention that the debt hadn't been paid or dismissed I reached out to the collector to see what options I might have. I will list dates of contact with the collector IQ Data, the gist of the conversation, and the issue/complaints at hand. XX/XX/XXXX- I contacted the creditor to see my options of settling the debt of {$370.00}. I didn't have the funds so I was simply asking questions. The rep was giving helpful information but couldn't guarantee that upon the debt being paid, that I wouldn't have an issue with it showing on my credit and/or rental history negatively in the future. I thanked her for the information and said I needed to do some more research. XX/XX/XXXX- The collector IQ Data reached out to me to try to collect on the debt. I explained I'd called a few days prior and was working on disputing the debt in court, she asked for attorney information. I didn't obtain a lawyer I let her know that I shouldn't have been contacted again after telling the other rep earlier in the week that I would be disputing the debt. The rep got her supervisor on the phone and he didn't want to speak to me, more so talk at me and aggressively attempt to collect on the debt by talking over me stating that he didn't care why I hadn't paid it previously, that he was tired of me giving his reps the run around and that I must like keeping my debts in collections. Telling me to stop playing around and stop lying about paying it or filing a suit. He continued to say that he doesn't care what I have to say, so I asked why did he ask to speak to me and he didn't have an answer other than saying I was lying, I like being in debt, I don't intend on paying the debt and that I should just stop lying. He goes on to say he has the power to put my debt further in collections sense I like being in debt. I told him he had no clue what my situation was and that he was being extremely rude. He goes on asking me if I'm going to get him and find him, what can I really do. After seeing I wouldn't get anywhere with him I asked for the company 's corporate number, he told me that I was speaking with corporate and that there wasn't a point of contact higher than himself. The call resulted with me being flustered and hanging up. After the call, I placed a call to my partner. As I was feeling overwhelmed and so badgered, I wanted to hurt myself. XX/XX/XXXX- I am assisted by my mother with paying the debt in full {$370.00}. I spoke with a rep by the name of XXXX XXXX who closed the account out. I briefly explained that this debt being paid in full would help better my credit but more importantly assist me in getting approved for an apartment. I stressed the issue that I was XXXX and needed an emailed copy of the receipt, showing the balance being {$0.00} The rep assured me that it would be taken care of by the end of business day or no later than the following morning. I thanked her and hung up. XX/XX/XXXX- Around XXXX CST I called and the agent from the day before wasn't available so I spoke with a rep by the name of XXXX . He started the conversation with the mini-miranda and telling me that he couldn't understand what I may need having that my debt was paid in full. I proceeded to let him know I was calling to get a copy of receipt via email that was never received the previous evening, nor earlier that morning. He repeatedly spoke over me and so fast that I wouldn't be able to gather what he was saying even if he repeated him self. He continues to talk over me, and asking me what he could help with, I repeated my request and he said well I'm sure I could help but I'll write a note to XXXX to follow up with you. I explained that the information that was relayed wasn't delivered on and if I didn't receive the email I could risk losing an apartment for a second time. He tells me she sent a letter to XXXX XXXX XXXX which is my old apartment in MN and I live in XXXX. Even after I said I was XXXX she decided to send a letter anyways and to my old apartment that sold the debt to them in the first place. I requested to speak with a supervisor he said no more were available, referring to himself as a supervisor and saying all agents in office were on break/lunch. I told him he was rude, unhelpful and not a good listener. That for the sake of others and myself, I would be reporting him and his other colleagues. This complaint was submitted on XX/XX/XXXX at XXXX XXXX CST. I've yet to receive my email and am now facing continued XXXX and run the risk of losing yet another apartment, due to poor communication, lack thereof horrible customer service.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-09-20

Broomfield, CO

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2018-09-19

Atlanta Naval Air Station, GA

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: The company keeps calling me repeadly. I have spoken to them on the phone and ask them to stop calling. they are calling me during my work hours and from then on. They get you on the phone and say imprper and unprofessional things. I dont owe this company anything. and i have asked them to stop calling both of my cell phone numbers. I feel like my rights of a consumer that owes them nothing is being violated. I have considered changing my cell numbers however they are both tied into my jobs. The company calls back to back to back and it's desturbing. Someone should do something about this.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2018-09-19

Morningside, NY

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

2018-09-19

Rancho Bernardo, CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2018-09-19

Clearwater, FL

Communication tactics

Debt collection: Mortgage debt

Used obscene, profane, or other abusive language
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Timely Response