I.Q. DATA INTERNATIONAL, INC

2019-11-13

Mission Hills, CA

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2019-11-12

Pinellas Park, FL

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: I receive multiple calls a day from a local XXXX number from my area as well as my wife at XXXX. They spoof a local number when they are located in California. Company is IQ Data, I wanted to work with them and after I set a payment for settlement they went in after and changed the amounts so the payment I had cancelled by bank as its not what was agreed to.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-11-11

Keyport, WA

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

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

Problem with personal statement of dispute
Complaint: The amount owed is not valid, the unit that we were renting had serious issues with Mold and we had to move because of your young child and the health risks associated with this. We were let out of our lease, they must have made a mistake in calculating that any monies are owed to them as this is false. We are prepared to hire an attorney and file a lawsuit against them if it comes to that. For now, we would request that they put in a request to remove this account from our credit reports.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-11-11

Jacksonville, FL

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Complaint: I first received a call from IQ Data International around XX/XX/2019, wherein we initiated the typical debt collection process. I requested that they verify the debt with XXXX XXXX ( the apartment complex to which they claim I owe money ). I requested that they not call me during work hours due to my employer not allowing me to take calls, and they agreed. I also requested all contact with me to be done via certified mail and they agreed. Fast forward to XX/XX/2019 and I receive a call at XXXX XXXX EST during work hours. I told the phone operator that they had agreed not to call me during work hours but he became immediately confrontational. I said " Please do not call me at work again, have a nice day '' and hung up the phone
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-11-08

Communication tactics

Debt collection: I do not know

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

2019-11-06

Katy, TX

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened or suggested your credit would be damaged
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Timely Response

2019-11-05

CO

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: Contacted by " IQ DATA INTERNATIONAL '' on XXXX via phone. Chatted with Customer Service on XXXX IQ Website via chat window. Unable to verify amount of debt, threatening to harm my credit. Never received any notifications from Leasing Office. IQ DATA is demanding payment immediately. No letter from " IQ DATA INTL '' regarding debt. Customer Service Chat refuses to disclose email address to contact IQ DATA. Agent at XXXXxXXXX will not disclose age of debt, amount, line items. Agent states letter was sent yesterday ( XX/XX/2019 ). Have several emails from LEASING OFFICE stating that I was not liable for clean out costs, yet agent says I am still responsible for them. Thank you, please reach out with any questions.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-11-04

Memphis, TN

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: I was first contacted by the collections company sometime in XXXX. I told the representative XXXX I had no knowledge of this and will need to do more research. She stated she understood and gave information on what to do if I needed to contact her. I repeatedly contacted the company she insisted debt was from. However, no one at the company had any knowledge of this. I filed a formal dispute and asked to not be contacted until the dispute is resolved. I havent been notified of the disputes and since then I have been harassed by this collections company. They call all throughout the day and night and speak very impolite when I do answer. Im tired of this company harrassing me and would not only like for the dispute to be resolved but also for the company to not contact me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-31

Bellevue, TX

Incorrect information on your report

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

Account information incorrect
Complaint: The original creditor XXXX @ XXXX agreed to provide a letter as proof they do not have a debt can not verify such as they were sold. This is new. I am following up on my request to validate a debt that data furnisher XXXX XXXX XXXX has reported to XXXX, XXXX, and XXXX on behalf of XXXX @ XXXX for the last three years. IQ reported various amounts being owed on behalf of XXXX @ XXXX to all major credit reporting agencies refusing to correct reporting even after admitting in writing to a state and federal regulatory agency ( please see attached response to CFPB and the Texas State Attorney Generals Office ) that the reporting was in fact a misrepresentation of the debt. This is in direct violation of Fair Credit Reporting Act, FDCPA, and TFC section 392. I have included the sections IQ Data International, XXXX @ XXXX, by proxy XXXX are in violation of below due to continued inaccurate false reporting of this information. Beginning in XXXX of 2017 I have requested twelve investigations into the reporting of this debt by credit reporting agencies XXXX, XXXX, and XXXX. In every instance IQ Data International furnished false supporting documents to bureaus to substantiate continued inaccurate reporting as further harm to my financial reputation. As recently as XX/XX/XXXX ( please see attached PDFs ) IQ Data International requested reporting remain the same to Experian after reporting to Consumer Finance Protection Bureau that this debt was incorrectly being reported in the amount of $ XXXXon behalf of XXXX @ XXXX. Under FCRA, I have the rights to pursue damages as the false reporting of this debt for the last 3 years has caused irreparable harm to my credit and resulted in multiple denials of credit, leasing, and mortgages. IQ Data International has maintained that they are reporting this on behalf of the original creditor XXXX @ XXXX and by proxy XXXX. I contacted XXXX @ XXXX, they advised me they have no records of this debt and have been under new management for two years. As of today XXXX hasn't provided validation of this debt in the amount of {$5900.00}.
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

2019-10-30

Watkins, CO

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: Ive reached out to this company. This is a result of identity theft not only has the lender or these people the debt collectors failed to give me one form of identification. The verification of debt that they sent me was just a print off of their computer screen saying I owe the money. Space they dont even know my Social Security number somebody went online and applied for an apartment complex in my name and never even moved in and theyre trying to collect {$360.00} for me years later when I have nothing to do with this I have a police report from the XXXX Police Department that verifies that I was a victim of identity theft and they still will not remove it. This is a result of identity theft not only has the lender or these people the debt collectors failed to give me one form of identification. The verification of debt that they sent me was just a print off of their computer screen saying I owe the money. Space they dont even know my Social Security number somebody went online and apply for an apartment complex in my name and never even moved in and theyre trying to collect {$360.00} for me years later when I have nothing to do with this I have a police report from the XXXX Police Department that verifies that I was a victim of identity theft and they still will not remove it.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2019-10-30

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
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

2019-10-28

Eastmont, WA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Timely Response

2019-10-28

Warsaw, MO

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

2019-10-27

Houston, TX

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-24

Seattle, WA

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: I made contact with this collection agency by phone and they refused to disclose the details of the alleged debt. In a recent phone conversation the implication from the IQ Data collection agent was that I knew that I owed this money to XXXX XXXX and they didnt owe me an explanation. I asserted to the agent that under the law they did owe me an explanation. At that time he relented and provided a contact address to make a written request for the documents they are claiming to be proof of the debt. I also requested copies of any and all correspondence sent to me regarding disputing the debt prior to them reporting it to the credit bureaus. If they try to produce bogus correspondence, I will request that metadata be subpoenaed if I have to take this collection agency to court down the line. I know for fact that this collection agency NEVER contacted me about disputing the alleged debt prior to reporting it to collection. I never had the opportunity to fairly dispute this and thats a violation of the fair credit reporting act. I vacated the XXXX XXXX XX/XX/XXXX shortly thereafter IQ Data purchased this alleged debt and reported to the credit bureaus in XX/XX/XXXX. I was not contacted between XX/XX/XXXX and XX/XX/XXXX by XXXX XXXX or IQ Data International. I have no idea what this alleged debt is. In recent months I have made verbal request for this information to no avail to both IQ Data and XXXX XXXX. I have made written request to XXXX XXXX. I mailed the attached letter today, XX/XX/XXXX to IQ Data International to the following address : XXXX XXXX XXXX, XXXX WA XXXX, the address I was given by the very rude condescending collection agent that told me he didnt care if my credit report was ruined by this false fraudulent reporting. This people are awful. Predatory, preying on low income people trying to extort them for money. Relying on the fact that most people dont know their rights and will simply pay. That will not happen here.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Timely Response

2019-10-24

TX

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Complaint: I have asked them repeatedly to stop calling and to correspond with me through mail. Was told I owed a debt and I had to pay it, and it's not their fault I can't my my bills on time. Was asked how much I make a month because there's no reason I can't pay them.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Timely Response

2019-10-24

Mesa, AZ

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-23

Henderson, NV

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-22

Phoenix, AZ

Communication tactics

Debt collection: Other 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

2019-10-22

Houston, TX

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I rented an apartment from the XXXX XXXX XXXX XXXX in a buy out lease. I moved out early after providing written notice on XX/XX/XXXX. I provided my forwarding address via phone to XXXX on XX/XX/XXXX. I also checked their website for a bill on XX/XX/XXXX and XXXX it was not there. They had 30 days to bill me for move out and it was never provided. I never got a letter in the mail or a phone call. They never billed me in the lawful time frame but they put the debt on my credit. This negatively impacting my credit.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-19

Seattle, WA

Incorrect information on your report

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

Information belongs to someone else
Complaint: I lived at a apartment complex in XXXX Washington called the XXXX XXXX for over 10 years. I moved out XX/XX/XXXX. In XX/XX/XXXX the XXXX XXXX turned over an amount of {$160.00} to XXXXQ Data International Collection Agency located at XXXX XXXX XXXX XXXX XXXX, XXXX WA XXXX. IQ Data International Collection Agency reported this FALSE FRAUDULENT DEBT to all three credit bureaus. I only recently became aware that IQ Data International reported this fraudulent debt to the credit bureaus when I submitted an application for an apartment. I submitted a dispute online to XXXX regarding this debt and within 24 hours it was deleted from my XXXX Credit Report. I am in the process of having this false fraudulent information deleted from my XXXX report. In the meantime, the CFPB should investigate this collection agency for violation of fair credit reporting. This has not only prevented me from obtaining housing until this matter is resolved but it has also cost me money in application fees and attorney fees. Its not right that these collection agencies can place false debts without your knowledge or without notification on your credit report. I do not owe XXXX XXXX a dime.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-18

Somers Point, NJ

Communication tactics

Debt collection: Other debt

Used obscene, profane, or other abusive language
Complaint: The first time I have ever received a phone call from IQ Data International, it was regarding a bill from an apartment from 5 years ago so I was completely shocked and not familiar with the account. This apartment I broke the lease in 2015 due to my youngest brothers passing due to XXXX XXXX, I wrote a formal letter to the apartment complex in advance to let them know I was relocating back to my hometown. The lady called me broke, told me I was a liar, threatened to call my mother ( co-signer ). I had an XXXX XXXX and have been very shaken when this company calls my phone. Today, I received another phone call to follow up from me calling in yesterday to get more information on the account ( which I am planning to handle ) again, I was spoken down to, threatened and leaving work because of my XXXX again.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-18

Davenport, FL

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

2019-10-18

Huntsville, AL

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

2019-10-18

Beyersville, TX

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: My agent contacted IQ Data on XX/XX/2019 about XXXX XXXX and spoke with a XXXX XXXX. My agent had requested the correct information be sent being that IQ Data sent another persons information from XXXX XXXX which was completely unrelated to my name, or my spouse. They sent another parties information thats very personally from a rental agreement. Please see attached information. My agent sent our POA over to speak on my behalf and my agent requested the right information. My agent also requested why I did not get my right to dispute any debt with their office as allowed under FDCPA regulation with 30 days before reporting to all three credit reports. XXXX from IQ Data claimed it was mailed to me. I never received any debt collection notice to my address prior to IQ Data reporting a debt to all three reporting bureaus. XXXX got mad at my acting authorized agent and would not send any information requested by my agent. My agent requested proof of that letter, proof of a phone call between me and IQ data that never happened. My acting agent requested to speak with a supervisor and the supervisor was also uncooperative in sending the correct documentation and proof of the debt. Later after the conversation took place IQ Data sent a rental agreement with my information but not evidence or proof of the debt belonging to me or how the debt was accumulated or proven to be my debt. I feel there is several issues here. IQ Data is acting in bad faith by sending the wrong information of another client unrelated to me. Also, I never received my right to dispute a debt in their office prior to being reported to all three credit bureaus under FDCPA regulations. Also, I feel my character is being damaged and a debt is being held over my head that can not be proven it belongs to me.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response