I.Q. DATA INTERNATIONAL, INC

2018-06-20

Las Vegas, NV

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

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

Their investigation did not fix an error on your report
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-06-18

Houston, TX

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: The debt collector is trying to collect more than what is owed by charging daily interest to the balance owed and reporting it on my credit report. The initial payment has increased over 300 dollars from the original debt amount.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-06-18

Newnan, GA

Incorrect information on your report

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

Old information reappears or never goes away
Complaint: I paid a debt settlement to IQ Data International on the basis of a pay-to-delete. I have requested multiple times for a validation of debt and they refused until I paid the debt. After contacting the original creditor they stated that I have no debt obligation with them and any amount I paid the collection agency would result in the removal of the account from my report. IQ Data has yet to honor this on the basis of " recorded agreement ''. Although the account is " settled '' I would like for IQ Data to substantiate their right to provide derogatory and fraudulent information to my reports which should have been removed.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-06-15

Charlotte, NC

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: On XX/XX/2016 I became a resident at XXXX XXXX, and had an agreement that only required me to stay in my lease for a term of 6 months without penalty on the 1 year lease signed. I turned in my keys after 9 months, and later discovered I was billed for the 12 month leased term. This is severely unlawful and prejudicial as its reflects on my XXXX credit report. XXXX XXXX no longer are in business and was brought over by XXXX XXXX XXXX XXXX. ( XXXX ) XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-06-15

Occoquan, VA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: In XXXX I had to move from XXXX XXXX XXXX in XXXX XXXX because the apartment community decided to dig up the parking lot to begin building another apartment building slated for opening in XX/XX/XXXX. Because of this inconvenience I had to move out because I am a single woman and can not risk my safety by parking in a lot 5 or more blocks from the apartment community. Instead of them allowing the move with no fees owed due to this huge inconvenience, there has been a debt owed of {$3700.00}. I disputed this debt in XX/XX/XXXX with the XXXX because it is unfair and unreasonable my rent was $ XXXX monthly. I am unable to move to an affordable location because of this. So how can they expect me to pay them? As a result of my request In XX/XX/XXXX, this company removed the collections off of XXXX and XXXX credit reports but not XXXX. I then made another complaint. XXXX of XXXX, XXXX has all correspondence. I am filing this complaint again on XX/XX/XXXX because this company added the collections back on my credit. So illegal and unfortunate because I am trying to move.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-06-14

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

2018-06-14

Scottsdale, AZ

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I have attempted to call this company, along with disputing the debt through the credit reporting agencies. They are reporting this on my credit as a delinquent collection. But also sent me a letter stating that it wasn't a collection agency. I contact the apartment complex XXXX XXXX. I spoke with XXXX XXXX, she stated over the phone that I didn't owe them any money. I requested that she send me a copy of the bills that were sent to me. She then sent me an email with the ledger for my account. What this company is trying to collect for is fraudulent as I have not owed money since XX/XX/2015. I have attached the ledger sent from the apartment complex
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-06-13

FL

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I asked for Validation and the letter attached is what i received I want the actual contract that i signed.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-06-11

Ernul, NC

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 non-monetary relief

Timely Response

2018-06-11

Belvedere, GA

Incorrect information on your report

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

Information is incorrect
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2018-06-10

Palos Park, IL

False statements or representation

Debt collection: Other debt

Indicated you were committing crime by not paying debt
Complaint: I.Q. IS IS IGNORING THE THE CEASE AND DESIST ORDER IN VIOLATION OF FDCPA.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-06-09

Barrington, CA

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

2018-06-09

Nashville, TN

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: my name is XXXX XXXX. I leaved in XXXXXXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. For several months, i kept asking them to move me from my apartment to another apartment and they refused. three months before the expiration of my lease, they employed a new manager and she was ready to listen to me. she promised to take care of it. a month before the expiration of my lease, I got a letter from the apartment telling me that if i want to change apartment, that it is going to cost me {$300.00}. i refused the offer and told the manager that i don't such amount to spare, she told to hold that she will get back to them and that she will take care of it. Also, we talked about my lease expiring and that I don't want to stay and pay month to month, she told me don't worry about it, pay what you usually pay and i will resolve this issue. i waited for 2 months. i was paying my rent and do not owe this people, i got tried of waiting and I left in XX/XX/XXXX and moved into another apartment. I stayed in my new apartment for year and they were asking that we buy instead of renting. i did not have that amount of money to buy. I started looking for a new apartment. When I found one, they refused to rent to me. They told me that i have a debt on my credit to settle. I was shocked because I was never contacted by this apartment that I owe them.No written letter was sent out to me. I have been trying to resolve this since XX/XX/XXXX to no avail. few months later inXX/XX/XXXX, debt collector company called IQ DATA started to contact me. I explained to them that i do not owe this money but they kept calling. all this time, i could not rent i was renting from friends, I am a XXXX XXXX and i have been traveling for the past 2 years. and this is affecting everything I do. I got tired of trying to rent and getting a no everytime, So, last week, i decided to contact the debt collector and see if i could reach an agreement with them. we concluded at a 40 % off {$1800.00}, the final agreed sum was {$1100.00}, On the XX/XX/XXXX, i called to say that I have agreed to the sum and they promised to email me a satisfactory letter stating that the debt has been paid off and that they were going to delete it off my credit, I gave them my account information, and also told the lady that this is my spending account and that i will go get the money pay it in and that they can go ahead and withdraw. she told me that as soon as they receive payment, she will email me the letter. as soon as I paid the money into my account, I called the representative and someone else picked up and said to call back in 10 mins. I called back and i was told to call back in another 10 mins. I told the lady that picked up the call the second time that i have talking to the rep all morning and now she is no longer available? tand that this is the second 10 mins. The lady said to me that nobody told me to call back in 10 mins and banged the phone on me. i became flustered and and worried. I immediately called my bank and blocked the card. So [ called a third time to inform them that I had blocked the card and that they are not going to be able to process payment.. I called friends to seek advice. i was told to get the agreement in writing before I pay them. So I called IQ DATA requesting for an email detailing our agreement. They sent me three emails. The first email had my address wrong, I called them to fix it and it was a problem. They finally agreed to fix it and they made another mistake on the address. I called them again. the third time they sent me another email with typos and at this point, i was fed up. i did not trust them anymore. now it started to become clear to me that maybe this people are fraudsters. I completely refused to continue with the conversation. And they threatened me that if they don't receive payment before midnight, that the offer is off the table. i did not bulge. I don't trust them.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Timely Response

2018-06-08

Houston, TX

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: Contacted the company regarding apparent debt starting in XX/XX/2017. No contract with this business to collect a debt from me. I've reached out several times and asked this agency to validate the debt along with documentation from the original creditor that provided a signed agreemnt between the collection company ( IQ Data International ) and myself. The collection agency responded with a lease that didn't state anywhere that this company is contracted with this collection agency. Whenever I called the collection agency to speak with a rep, the rep informed me they were in a contract with this apartment complex and they didn't need my signature to report to my credit. The rep then transferred me to a supervisor, and he informed me that if I didn't provide them with my banking information that day, he would note my account as refusal to pay which would cause a negative impact on my credit. It is against the law for a collection agency to threaten someone, and that is exactly what this company did. I would like this item to be deleted off my credit report in fairness of my rights with the laws and regulations of the FCRA.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-06-08

Norwalk, CA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: In XX/XX/XXXX, my sister, dad, and roomate applied for an apartment in XXXX XXXX -- which was located on XXXX XXXX XXXX XXXX, XXXX, at the time. When we signed the contract to our lease, the contract mentions that we had to pay a {$500.00} in Security deposit ( Photo1 ), and {$400.00} in pet fee ( but contract described pet fee as animal deposit ) ( Photo2 ). That same day my sister paid the security deposit of {$520.00} dollars ( Photo3 ) and in XX/XX/XXXX, I got a dog and paid XXXX {$430.00} ( {$400.00} in animal deposit, and {$35.00} in same day pet rent ) ( Photo4 ). In the beginning of XX/XX/XXXX, my sisters and I completely moved out of XXXX XXXX. Prior to moving out, XXXX systematically bills the residents a few days before the actual month of payment. So, on XX/XX/XXXX, my sister paid for the month of XXXX, and the owners of XXXX at the time, told her that her resident ledger ( Photo3,4,5, & 6 ) was her final statement for the month of XXXX. Believing that her ledger was her final statement, my sister believed that she was set to move into her next apartment. However, during her stay at XXXX XXXX XXXX, she was receiving calls from the new owner of XXXX, XXXX XXXX and accused my sister of owing XXXX {$470.00}. On XX/XX/XXXX, my sister visited XXXX XXXX, to confirm with XXXX that, according to the previous owners of XXXX, her ledger of XXXX states that she has fully paid off their fees. Then, XXXX mentioned that she was going to contact the debt collectors ( IQ Data International ) and make that change. That same day, XXXX printed a copy of the actual move out statement that XXXX had on file. My sister was not informed by the previous owners that there was an official move out statement. In addition to that, my sister was also not informed by the owners, before, or right after we finished moving, that we owed XXXX {$35.00} ( Photo7,8 ). Since then, my sister was constantly harassed through phone calls, by IQ Data International, for collecting our debt. On XX/XX/XXXX my sister requested IQ Data International to send her their statement of our debt ( Photo9 ). After reviewing their statement, my sister asked for the reason of the charge. I.Q ( XXXX XXXX ) claimed that the charges were due to the wear and tear damage in the carpet. My sister argued to him, that we initially payed XXXX {$500.00} worth of Security deposit and {$400.00} worth of pet deposit to pay for any damages that were left in the apartment. XXXX argued that the terminology of the contract changed deposits into fees, meaning that the animal deposit we paid would no longer be returned. My sister then brings up that that our resident ledger shows the input of our security deposit, but XXXX insisted that, with all fees included, there was still a {$470.00} debt to pay, and again, he asserted this without specifying why the {$470.00} was owed. Secondly my sister argued to him that she spoke to the XXXX, and XXXX acknowledged the error that the previous owners made on our move out statement, and would contact I.Q. Data International to change the {$470.00} debt into {$35.00}, but XXXX claims that this note was never made, and that XXXX never contacted I.Q. to make that change. After 2 years of not knowing of my sister 's situation, I started building my own credit and a year later, IQ Data International started showing up as a derogatory on my Fico score as well. On XX/XX/XXXX I contact them, and asked how I can resolve this claim. I spoke to a women who calls herself XXXX, admitted that I am who I am, and she asserted that I pay the {$470.00} debt. I admitted to owing XXXX {$35.00}, according to the copy of the move out statement, then asked, " how did my {$35.00} debt turn into {$540.00}? ". She casted off my argument, and argued that the {$35.00} had nothing to do with the {$540.00} debt that we owed. I asked her once again, " Then what is the reason to this debt? ", and she responded " the {$540.00} is owed for wear and tear damage on the carpet when we lived in XXXX ''. I argued with her that we paid {$900.00} worth of security deposit for any damages made in our apartment room, and even pointed out that I have the move out statement in hand, where it clearly states that {$360.00} was charged for carpet replacement and {$210.00} dollars was charged for paint damages. I reinstated that the {$500.00} security deposit and the {$400.00} animal deposit should have been sufficient for the damages, but she kept insisting that the {$400.00} pet fee was cancelled out, since it shows as - {$400.00} in statement ( photo.13 ). Then, I questioned, " If we paid {$900.00}. worth of security money and you are claiming that debt is due to damages to the room, then what happened to the money we paid? ", she dodged the question and replied, " You're confusing us with XXXX, we are just a debt collection agency ''. In all, I suspect that I.Q. Data International is attempting to collect an incorrect amount of debt from us. In addition to that, IQ Data International refuse to show us legal documentation of why, when, or how, XXXX stated that our debt of {$470.00} was the correct amount.
Company Response: Closed with non-monetary relief

Timely Response

2018-06-07

San Antonio, TX

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

2018-06-05

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: IQ data added an additional XXXX dollars to my eviction. And there was another charge that wasn't in the contract. The contract I signed said legaly they were only allowed to charged me double with rent was XXXX. The total charge should be XXXX. Plus court fees.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-06-05

Las Vegas, NV

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 non-monetary relief

Timely Response

2018-06-04

Driver, VA

Threatened to contact someone or share information improperly

Debt collection: Other debt

Contacted your employer
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-06-03

Chicago, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: XX/XX/2018 I.Q. Data International, Inc. XXXX XXXX XXXX XXXX # XXXX XXXX, WA XXXX ( Redacted ) RE : Account # ( Redacted ) Dear Sir or Madame, I received your correspondence based on the fictitious request to pay a debt that has not been established. As I shared with your representative on multiple occasions I do not owe this debt. You sent me a ledger which is controlled by local office representatives at Residences of XXXX XXXX.Please send me a copy of an executed lease that states there is an " automatic '' charge to replace the carpet simply because there was a pet living there. There was a walk-through performed with maintenance the day before I moved out and due to it being a Sunday I made arrangements to leave the keys in the apartment on the air vent next to the sliding glass doors. Maintenance stated that there is no carpet damage and therefore would sign off on the condition of the apartment which had minimal customary wear and tear. So the long and short of this is not a ledger from the property management but a bill from the provider of the cleaning/replacement service with my former address including apartment number during the time frame within 30-days of my exit. If you do not provide me evidence that a neutral third-party provider billed for damages to XXXX XXXX XXXX XXXX ( Redacted ) on a valid date then I am insisting that you no longer contact me about this bill and I also will give notice to you that you have 30-days to respond or remove this debt from my credit report. I will be seeking the following options against you as the representative on behalf of Residences of XXXX XXXX to include : *Filing a complaint with the Consumer Financial Protection Bureau *File a complaint with the State of Illinois ' Attorney General *File a complaint with the Better Business Bureau *File a civil suit in state court for damages of up to {$1000.00} I appreciate you expedited response to this request and I am sending you back your correspondence as it lacks no breakdown of charges. Respectfully yours, ( redacted )
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-06-01

Gretna, LA

Written notification about debt

Debt collection: I do not know

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

2018-05-31

Henderson, NV

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

2018-05-30

Copper Center, AK

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I cleared a debt that was owed to another apartment rental company that my brother and i stayed at, i had a dispute with that apartment company because they had a cleaning bill i did not believe i owed, but i have paid that bill, as it was only 300 or so dollars, but upon further inspection, the rep whom took my payment for that previous balance owed, noticed something else on there, something for another apartment complex that my brother stayed at, i did not stay there, my brother did and because he was on my account with the previous apartments we stayed at together, i assume they just thought they could just put this on me now that my brother is deceased. i contacted XXXX XXXX XXXX on XX/XX/2018 in regards to this, the stated they sent IQ data information regards to getting this taken off my credit report, XXXX XXXX sent information to IQ data to have this removed and i got a letter from XXXX XXXX to show other apartments to let other places know that i do not owe a balance at XXXX XXXX no one is telling me how long this process takes, as it only seemed to take 5 min to attach this debt to my name, it should take just as long to have it removed in my opinion because before i paid my previous debt this was not even attached to my name.
Company Response: Company believes complaint is the result of an isolated error Closed with non-monetary relief

Timely Response

2018-05-29

Anaheim, CA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: I have filed a complaint to IQ data international last year for they threat me to hurt my credit. ( no one ever send me bill to make any payment and asked me the payment information directly in the phone. I reject to provide them my payment information and their employee threat me to hurt my credit if I don't pay the bill right away. And I still keep the voice record ) The IQ data international send me the response last year XX/XX/XXXX and clearly my case has been marked as dispute. But, I ran my credit last weekend for making purchase of a car and I found that they reported on my credit report. They had not just threat me, but also put in action. I believe that I am not the first one got hurt on credit by this company, and if the government not take control this situation I am will not be the last one be threat and hurt on credit. They have over drive their power. I truly believe that my government should'n allowed any one done such thing to their legal taxpayers.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-28

Fred, TX

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

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

Their investigation did not fix an error on your report
Complaint: I was a tenant of XXXX XXXXXXXX XXXX located in XXXX, TX until XX/XX/2017. During the time that I was moving out, it was in the height of the recovery efforts due to XXXX XXXX. The office hours to the complex were erratic at best and everyone had much on their plate to deal with. I notified the apartment manager of my intent on moving out verbally and she stated that she would handle it. A few months after I moved out, I received notification that I was in violation of my lease from a credit company. The credit company stated that the violation was due to not giving notification that I was moving out. They stated I owed {$1000.00} due to the violation. I then requested an investigation from both the credit company and my apartment complex. The credit company stated they did an investigation and were told I did notify the complex I was moving but later recanted the move out which is false. I never recanted. The complex told me that they would investigate and contact me. The contact that I had through the complex never called me back to let me know the outcome. After attempting several times to contact her, she emailed me to let me know I would have to file a complaint through the fair housing to seek recourse. This made no sense to me and questioned her credibility as to the thoroughness of her investigation. I feel as if they are reporting that I violated a lease without any credible evidence that I did so. Moreover, the credit recovery agency are harassing me for money that I do not owe them in lieu of the apartment complex. I do have emails, phone records and documents to show my attempts to remedy the situation prior to filing this complaint.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response