I.Q. DATA INTERNATIONAL, INC

2017-10-24

TX

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: I advised this company that the landlord under Texas law has failed to provide what is required by law. If the landlord has failed to either provide me with the security deposit or an itemized list of deductions within thirty days from moving out, the law may allow me to collect {$100.00}, three times the amount of the security deposit wrongly withheld, court costs, and attorney 's fees. If the landlord improperly made deductions from the deposit I will also have the opportunity to obtain the same damages and penalties. Section 92.109, Texas Property Code. Here the landlord has acted in bad faith, and therefore the landlord by law can not make any deductions to the deposit whether or not I damaged the premises. Section 92.109 ( b ), Texas Property Code. Additionally, I will be filing a lawsuit against this credit collection company tactics to immediately report a debt to all three credit bureaus for a debt I do not owe and their communication tactics and constant harassment.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-24

New Britain, CT

Incorrect information on your report

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

Account information incorrect
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Timely Response

2017-10-20

Santa Ysabel, CA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: On XXXX XXXX, 2016, the tank to the toilet broke. As any logical person would do, we turned the toilet inlet wall valve to stop the water flow to the tank ; this valve failed while turning off the water supply - the valve stem popped out of the valve housing. These causing flooding in the apartment. We filed a claim with XXXX to get the toilet fixed. A claim was filed with XXXX for the toilet damage for {$1000.00}, our insurance policy covered the cost to fix the toilet. Additionally, they stated that we are not legally responsible for the property damage claim filed by XXXX XXXX XXXX caused by the faulty valve. XXXX is a very reputable company. They covered the damage that was caused to the toilet tank to get repaired. We should not have to pay for equipment damage that is not up to industry standards nor maintained and owned by the XXXX XXXX XXXX. The sent us to collections for the cost of the damage done by the faulty valve for {$3200.00}. We asked them to show us what their insurence has paid but they will not give us any information, I suspect that they are asking for reimbursement for claims already settled by their insurance company. We have followed and taken all steps to resolve this issue, including contacting them and I.Q. Data International by telephone calls, visiting the front office, email and certified mail - every step we can think of. We have filed multiple disputes with I.Q. Data International, Inc and XXXX. I have had tired to have many conversations with XXXX XXXX XXXX but they have not responded. They have changed their email and their website is no longer up/active. We are no longer able to get in touch with them. Our last step will be taking them to small claims court if they do not take any action regurding the false claim that they have made to collections. Thank you in advance for any assistance you may be able to provide.
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

2017-10-19

East Layton, UT

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

2017-10-19

Greenwood, CA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: I called and talked with XXXX in XXXX. I asked her how much I had to pay to settle my debt. She advised me {$1400.00} for me {$1800.00} would include my mother. I advised her that I would saved the money and call back to pay. I called back in XXXX to pay the {$1400.00} that XXXX advised me I could pay. XXXX advised me too late that offer is off the table. She transferred me to XXXX who stated I could pay 10 % of the total debt. Then they transferred me XXXX who advised me I could pay {$1900.00}. I told XXXX I was calling to pay the {$1400.00} that XXXX advised me that I could pay. XXXX stated that they sent me a letter back in XXXX. I advised him that I did n't receive the letter. He stated well I do n't control the mail. I stated how can you hold me accountable for something I did n't receive. He stated that I was hollering at him, which I was n't. I told him that I am having financial difficulties and I have a high risk XXXX. I advised them they were causing me undo stress. I ask XXXX to listen to the recording, because XXXX never advised me of a deadline to when I had to pay the {$1400.00} to clear my debt. He stated that they were not going to listen to the recording. He stated you have made me mad so all offers are off the table you have to pay {$2300.00}.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2017-10-17

Houston, TX

Attempts to collect debt not owed

Debt collection: Mortgage debt

Debt is not yours
Complaint: I was XXXX XXXX XXXX when I was listed as an occupant on the lease agreement. I wasent living there the whole lease term I would stop by a few times and I have spent the night so my aunt decides to move and they have a balance of 1 months rent on my credit and the credit agency is saying that since I was over XXXX at the time she moved out I am being held responsible for the debt! Now that Im trying to get my own place on my own
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-17

Bohemia, NY

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I was contacted on XXXX XXXX, XXXX at XXXX pm in the afternoon by IQ Data International and was told I owe money for a debt and that I should pay you or it will go on my credit report. I told your IQ Data International I was completely unaware of any debt owed and had not received a bill, notice, or information about supposed debt of any kind. IQ Data International representative XXXX told me they had sent a notice and he confirmed my mailing address which was accurate. I told him to resend it as I obviously did not receive it and I would get in touch with the alleged party who said I owed this debt and had passed supposed debt onto your collection agency. It is now XXXX XXXX, XXXX and I received an alert from my credit monitoring service that a derogatory collection account had been placed on my credit report from IQ Data International. I called back IQ Data International again and spoke to XXXX who said they had resent a bill. I told him I still have not received a bill of any kind from IQ Data International and asked him to send the bill certified mail so I can have proof it was sent, XXXX said your IQ Data International does not do that. I also asked to have it sent COD or any other means which I will pay for, once again XXXX said your IQ Data International does not do that. So I still have no idea what this supposed debt is for. IQ Data International fails to send any documentation and when requested to send it via provable means they refuse. Instead they put an unvalidated collection account on my credit report, damaging my families financial future, which will possibly cost me tens of thousands of dollars in extra interest over the years, declined mortgage/car loan applications, and even affect my employment and future employment opportunities. I owe. In my opinion this is the financial version of extortion and certainly is not FAIR debt collection practices by any means, on the contrary, it seems illegal. By law I was to receive a detailed validation notice of supposed debt within 5 days after initial contact. It is now over 35 days past the first contact and I have yet to receive anything. And full well knowing I have not received this, IQ Data International still went ahead and posted this 'supposed ' debt on my credit report. Worse yet, I have made good faith efforts and reasonable attempts to try to even find out what this debt is for, yet your IQ Data International has not sent me anything while continuing to harass me with phone calls causing me severe anxiety, stress, and a feeling of helplessness. Is it not fair to know what a debt is for before paying it? Why do I own the burden of proof here?
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Timely Response

2017-10-14

Weston, CT

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I have been contacted numerous times by IQ Data International , Inc., a debt collection firm ( " IQ Data '' ), concerning a purported debt that I have no legal liability or responsibility for whatsoever. IQ Data is unlawfully attempting to collect a debt from me that I do not owe in violation of the Fair Debt Collection Practices Act. IQ Data has also wrongfully reported negative credit information to the credit reporting bureaus in violation of the Fair Credit Reporting Act. In an effort to remedy the negative impact to my credit report, I have explored simply paying some amount to make IQ Data remove the negative credit bureau reporting, but any payment by me would be nothing more than an extortion payment to IQ Data as I simply do not owe the purported debt upon which IQ Data is attempting to collect. The purported debt that IQ Data is attempting to collect arises out of a contractual landlord/tenant lease dispute where the underlying lease is governed by New York state law. I have fully satisfied my obligations under the lease and do not owe any amounts to the original creditor or to IQ Data. Under New York landlord/tenant law and the express terms of the underlying lease contract, neither the original creditor nor IQ Data is entitled to collect any amounts from me as I have fully satisfied my obligations under the lease. To the extent any portion of the purported debt exists, such debt is owed by a certain XXXX XXXX XXXX as the attached " Move Out Statement '' from the original creditor clearly indicates. I respectfully request that the CFPB investigate this matter, as well as IQ Data 's business practices, as I believe my situation is not unique and that debt collection agencies are routinely attempting to unlawfully collect purported debts that are not liquidated debts, but are instead disputed amounts under residential landlord/tenant lease contracts where the landlord is wrongfully attempting to collect amounts that are not due under the terms of the lease or that violate state landlord/tenant laws.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-11

Atlanta, GA

Attempts to collect debt not owed

Debt collection: Mortgage debt

Debt is not yours
Complaint: Good Afternoon, My name is XX/XX/XXXX, currently I owe {$4800.00} to IQ Data INT. In the past I did stay in apartments and had a roommate of the name XX/XX/XXXX. I did not finish the whole the lease but I did sign a Roommate Release Form and had my name removed from the lease along with any other payments. Recently I tried to apply for an apartment and this popped up, I 'm just very confused and would like this matter resolved since it was no longer my debt once i signed the release form. I 'll be awaiting your regards.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-06

Lewisville, TX

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

2017-10-05

Irving, TX

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: Tried to resolve issue with XXXX debt reported on my credit. They advised that I would have to speak with the original credit about reporting the incorrect amount. I forwarded them emails to correct the amount and they refused to correct the balance. They read me notes that they received a call from an employee of the property that I was not responsible for the debt, but they said that they said that they needed to get paperwork from the property. I forwarded emails to the collection company from the property showing that I did not have a balance, but they said all they can do is forward it to their accounting department. I am just trying to understand why they are trying to collect on an account that shows that I have a zero balance.
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

2017-10-04

Cadwell, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: On XX/XX/XXXX I received response to my dispute filed with I.Q. Data International onXX/XX/XXXX and on XX/XX/XXXX I received a response to my dispute about I.Q. Data International filed with CFPB on XX/XX/XXXX. The former was signed by XXXX XXXX, account representative and the latter was submitted by XXXX XXXX, senior compliance manager. I have disputed 2 charges on my move-out statement as fraudulent and 5 different times requested XXXX ( the leasing office ) or XXXX XXXX ( property owner and manager ) to substantiate the charges by evidence. They have either not responded or refused to provide any explanation or evidence and threatened to turn the account over to collection if not paid. My requests for resolution to vice president of XXXX XXXX XXXX XXXX went ignored and so did requests for response by XXXX XXXX XXXX, CFPB, and Better Business Bureau. Their silence, however frustrating actually helps prove my case. XXXX XXXX stated in her responses that her company contacted their client, XXXX XXXX who confirmed my name, address, and the amounts on the billing statements which I.Q. Data International provided to me as a validation of charges. XXXX XXXX, billing statement is a summary of charges not an evidence to substantiate them. I have never disputed the fact that either my name, address, or the list of charges existed on the billing statement. I disputed charges on that billing statement because your client could not and would not provide me with evidence that the charges were valid. Since I.Q. Data International has pushed this statement down my throat at least three times, lets discuss it. The statement in questions contains 15 charges. Some of these are inherent charges such as rent or security deposit and can simply be validated by the provisions in the apartment lease contract. Other charges such as pest reimbursement, trash disposal, and utility collections are charges by proxy ; collected on someones behalf. They can too be validated either by the lease agreement provisions because they are constant monthly recurring charges or ( in case of utility collections ) by an invoice sent out by the utility company listing the dates of service, usage, per usage charge, and total charges. I did not dispute any of those charges. I agreed with those. I disputed 2 charges on the statement not only because of their insufficient and misleading description, but also because I know those charges to be fraudulent. What are Items left in cabinet and carpet stains {$15.00} and {$350.00}, respectively, charges for? What were the items left in cabinet? Dust particles? Dead insects? And what is the charge for? Safekeeping? A list or perhaps a more detailed description could have provided a better understanding and also could have absolved your client of any liability for illegally possessing any highly personal or strictly confidential materials belonging to me. And when it comes to carpet stains, how can I be sure your client did not mistake those with regular carpet fading and wear and tear? I lived in the XXXX unit for 2 years and the carpet wasnt brand new when I moved in. Where were the stains located? The apartment consisted of 6 separate carpeted areas. And how did your client arrive at the {$350.00} value? Did they contact a carpet cleaning company and receive an estimate? Did they hire a cleaning company and that was the bill they received? Any of the above supporting documentation could have served as evidence substantiating those 2 charges. Let me ask you XXXX XXXX ; what would you do if you received a billing statement from a vendor or a creditor which contained charges you did not recognize or deemed to be fraudulent? Would you demand some sort of proof that the charges are valid and belong to you or would you just pay those because the creditor threatened to turn your account to collection if you didnt pay and was unwilling to provide any evidence about the charges? That is exactly what your client did as I am about to demonstrate for you XXXX XXXX! On page 6 of the Apartment lease contract that you so kindly provided me with, there is a clause 40. MOVE-OUT INSPECTION which states : Within 3 business days alter you move out, we 'll inspect your unit and prepare a comprehensive list of damages done during your occupancy ( over and above normal wear ) and the estimated dollar value of the damage. You have 5 business days after moving out to verify the accuracy of our list and values. Before the end of the 5days, by statute you must either ( 1 ) sign the list " as is '' or ( 2 ) give us a signed, written notice of what is inaccurate, and return the list or notice to us. If you fail to do so, you can not recover your security deposit or any other damages. I received an email with the Move-out statement on XX/XX/XXXX at XXXX XXXX from the assistant property manager XXXX XXXX. Although the XXXX and I disagreed on the end date of the lease or the move out date ( I have written evidence to support my move out date of XX/XX/XXXX ), I will use XX/XX/XXXXsince that is the date XXXX locked me out of the unit. Since XX/XX/XXXX was a Friday, three business days for your client to inspect the unit and prepare a comprehensive list of damages would have fallen onXX/XX/XXXX. Your client violated this part of the clause. Upon receipt of the statement and being forewarned by former neighbors and XXXX residents about your clients fraudulent business practices especially when it comes to final and move out charges, I anxiously opened the statement. To my shock, I saw 2 charges that I knew to be false. Without hesitation and with anger, I replied to XXXX XXXX email and disputed the 2 charges. And I quote : The items left in the cabinet and carpet stains are frivolous charges and I will not pay those. Carpet was n't new when I moved in and I am not aware of any items left in the apartment. If you are trying to have someone else pay for a new carpet, you picked a wrong person! Good day! XXXX XXXX Yes, I was very upset having heard the allegations of fraudulent charging by the XXXX and using diligent care of the property during my stay at move out. Nevertheless, I digitally document the condition of the unit and was prepared to defend my position that the charges were frivolous and fraudulent. I fully expected XXXX XXXX to refute my allegations that the charges were frivolous or false, providing me with a list of items left in the apartment and a way of retrieving them if I chose to do so, perhaps suggesting that we meet at the property and inspect the carpet stains together and come up with the best course of action to find resolution or offering to provide me with an estimate for cleaning charges or, if already cleaned, an invoice for the services. If XXXX XXXX was not authorized to perform any of the mentioned actions, she perhaps could have suggested for me submit a partial payment for the charges I agreed with and postpone the 2 charges I disputed till a resolution was reached. Isnt that what clause 40. in the apartment lease contract state? Here is the real coup de grce in the form of XXXX XXXX reply : XXXX, I have sent you the final moveout statement to inform you of your final charges and given you the date we will need to receive payment. All charges are final and can not be reversed. If we do not receive payment, we will send this to collections. This is my final response and I will not email again. Thank you, XXXX XXXX | Assistant Property Manager Not only did she not provide evidence of the validity of the charges or offer ways to come to a satisfactory agreement for both parties, she did not even deny the fact that the charges were false! I accused her of committing a crime and she did not even attempt to say : No XXXX, these are not fraudulent charges! All she said was : these are final charges and if you dont pay, the account will be send to collections. Not only XXXX XXXX refusal to provide evidence for the charges, but also Nevadans and XXXX XXXX non-response to numerous requests for information are a clear admission of guilt and concerted effort not to leave any evidence for potential future implication. Yes, silence can truly be deafening! With all the consumer rights that you claim, XXXX XXXX your company protects, upholds, and trains their employees on, where is my right to due process and examination of evidence? Or do the US Constitution and Bill of Rights not apply me? Or is it XXXX XXXX belief that they dont apply to XXXX XXXX men? And before you jump all over me, I am aware of the fact that XXXX XXXX is XXXX or XXXX as the XXXX people refer to us, but there is such a thing as same-race discrimination and XXXX racism. Or is it that she knew she could not back up the charges with any evidence because they were false and she could just past the account onto an unscrupulous patsy, I.Q. Data International, who will do the dirty work for her? XXXX XXXX, is your company often involved in extortion on behalf of your clients? And before you go and advise your client of something silly like fabricating evidence or falsifying invoices to shut me up, let me spare you the time and effort. No evidence submitted at this point will be viewed as legitimate or true! Your client had over 90 days to falsify evidence to present and they failed to do so. Any US Court would have given them 30 days to answer my allegations before awarding me a judgement in default! And if you are still unconvinced XXXX XXXX, attached is a billing statement of the charges for damages caused by I.Q. Data International false collection placed on my credit files and my fees for time spent on filing disputes and seeking resolution for the disputed issue. The billing statement confirms your company name, address, employer identification number as well as the amount owed. Please submit a payment of {$55000.00} within 5 business days to the address provided on the statement. But if my lesson on definition of substantiating evidence ( completely free of charge to you ) changed your mind about the function of a billing statement, I propose another solution. I am willing to honor my initial intent of paying for the remaining move-out charges. I questioned the last rent charge of {$41.00} since on that day XXXX was already in possession of the property, but am willing to pay to resolve the issue. I also accept the final utility, pest reimbursement, and trash disposal charges as those charges in arrears and not prepaid expenses. After the application of {$75.00} security deposit, the total move-out charges come to {$61.00}. I can make the payment in the form of certified funds or debit/credit/ACH payment over the payment. Attachments include I.Q. Data International response, Move-out Statement, Copy of Apartment Lease Contract, email correspondence from XXXX XXXX, APM at XXXX, Billing Statement for damages and fees
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-03

Greenwd, IN

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
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

2017-10-03

Fargo, ND

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Complaint: Received notification from creditor : XXXX XXXX that I owed more that correct amount. The amount was paid. They sent information to debt collector who is asking for more and declined to correct information and noted " I owe ''. I offered to pay 40 percent and they asked for full. I do n't agree to the current amount.
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

2017-10-03

Avondale, AZ

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

2017-10-02

Altamonte Spg, FL

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

2017-09-30

Atl, GA

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

2017-09-29

South Holland, IL

Attempts to collect debt not owed

Debt collection: I do not know

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

Timely Response

2017-09-22

Chino, CA

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2017-09-22

Baton Rouge, LA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
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

2017-09-21

Charleston, SC

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2017-09-20

Carrollton, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
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

2017-09-20

Bronx, NY

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

2017-09-18

Buffalo Lake, NC

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

2017-09-15

VA

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened or suggested your credit would be damaged
Complaint: I was called by IQ Data International In in XXXX WA on my cell phone in XX/XX/XXXX. I was told I owed {$74.00} for some debt from an apartment I had rented and vacated in XX/XX/XXXX. I asked why it was so late in the game I was being notified. I was only told the debt went to collection. I have never received any kind of notice in writing nor anything to show what I am being charged for. I had emails from the rental property after I left to confirm they received my keys in the drop box, and nothing more was said about owing any additional money. In fact I paid additional rent for 3 months because I did not renew or extend my lease. Now during the same month this debt was put on my credit record and will potentially harm my employment and security clearance. When I spoke to these people they mentioned a carpet cleaning which I then informed them I had paid to have it done when I moved in, and when I left, 3 people who helped me move witnessed the condition of the apartment and carpet which did not need cleaning. Also the management never informed me of any cleaning charges which normally are incurred when there is damage, etc. which there was none. I am very upset that there was NO written notice, NO advance notice, nor ANY written description and or bills, statements of charges the collection company is seeking almost a year after I have left the state and the area. I do not pay debts to unknown parties over the phone. This company took the liberty to state I owed money without anything in writing then slapped it on my credit report without any response or opportunity on my part to dispute or know just what I 'm being charged for with sufficient documentation and evidence.
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