I.Q. DATA INTERNATIONAL, INC

2017-04-06

Oxford, GA

Disclosure verification of debt

Debt collection: Mortgage

Not disclosed as an attempt to collect
Complaint: I received a call from a man named XXXX. When he called he asked for me by name and it took me twice to ask him where he was calling from before he told me the name of his company which is iq data and that they collect on money owed to a rental property. When he told me where he was calling from I proceeded to tell him I knew why he was calling and that I disputed the debt because I had no knowledge of it nor did I ever receive any bill or any proof that I acquired the debt. He then started to explain how the charges came about and I informed him that he did not need to be explained that I 'm aware as this has been explained to me and that I 'm clearly stating that I do not owe money for any damages done to an apartment which might I add I 'm still a resident for the same apartment complex. He was very rude and as I tried to make my statements he talked over me the whole time and made no attempt to listen to what I was saying to him. He then proceeded to say this is a refusal to pay which at that point really upset me because I explained to him already that I was disputing the validity of the debt and now your insisting that this is a direct refusal to pay. I should also add that I was never properly verified so if he was required to verify my ssn as most debt collection agencies are he never did so and never gave me any type of disclosure statement or XXXX. To make matters worse he also laughed at me when I told him that I would not pay something that I felt I did n't owe. I asked him to speak with his manger and he continued to talk over me and at me. After asking to speak with the manger several times he finally connected me to XXXX. I advised XXXX that I felt my rights have been violated and even harassed. He asked me how were my rights violated and I explained the situation to him. Fdcpa guidelines are put in place to protect me from being mistreated and abused by collection agencies and debt collectors and I feel that man violated my rights under those guidelines. The manager told me that man did nothing wrong. He said nothing even remotely remorseful to that fact that I was very upset and felt that his employee was rude and unprofessional. When I told him laughed at me he again found nothing wrong with that and I told him they we 're both very rude his response was " I disagree but OK '' ... .when I asked for the name of their company and the name of himself and the first guy I spoke with the manger accused me of yelling at him and threatened to terminate the call and then rudely and obnoxiously put me on hold while I was speaking with him. When he came back to the line he asked me if was done screaming and when I went to explain to him I had him on speaker phone and was not screaming he put me back on hold again while I was talking. Finally when he came back to the line he gave me his name and company name and that was the end of our call. I have never dealt with a company so rude and unprofessional ever and cant understand how either one of them our considered qualified to work with people. They may have a job to do but this is not how you go about doing I t and I intend to pursue further actions on this!.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Disputed: No Timely Response

2017-04-01

Dallas, TX

Cont'd attempts collect debt not owed

Debt collection: Mortgage

Debt was paid
Complaint: IQ DATA INTERNATIONAL IN and XXXX XXXX is reporting negatively on my credit report even though the account was charged off and written off on the companies taxes.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2017-03-31

Hollywood, FL

Taking/threatening an illegal action

Debt collection: Other (i.e. phone, health club, etc.)

Seized/Attempted to seize property
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Disputed: No Timely Response

2017-03-29

Birmingham, AL

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with non-monetary relief

Disputed: No Timely Response

2017-03-28

Chester, VA

False statements or representation

Debt collection: Other (i.e. phone, health club, etc.)

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 non-monetary relief

Disputed: No Timely Response

2017-03-28

N Haven, CT

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-03-27

Stilesville, IN

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation

Disputed: No Timely Response

2017-03-26

Millville, CA

False statements or representation

Debt collection: Other (i.e. phone, health club, etc.)

Attempted to collect wrong amount
Complaint: While serving I 'm the United States XXXX I was stationed in XXXX XXXX while our XXXX was being renovated and repaired. We rented an apartment in XXXX, XXXX. They gave us 1 free month and I think it was if we signed a year lease. Being military we ca n't always commit to a 1 year lease. The manager who signed us up assured we do n't need to worry about it if we move early because of being military. Midway through our stay the apartments changed ownership or management. This turned out to be somewhat of an issue for us. The agreement we had with the previous managers was gone because of the change in management. During our stay at XXXX we received the news that our XXXX was completed and we would be relocating to XXXX, XXXX. I do n't know about you but we were n't going to rent an apartment I 'm XXXX when we moved XXXX. We let them know and we moved. Months later we began receiving calls from a terrible debt collection agency. They claimed we owed them for the free month we were provided. Being that I was XXXX military there was not we could do to stay there and complete our lease because of military orders. We provided this documentation to these very rude and unprofessional individual at the collection company. He straight up called me a liar on the phone because his " Marine friend '' look at our orders and said they were n't real. I have 100 % proof that immediately after moving from XXXX that we had a new place in XXXX and that I was still XXXX 3 years in XXXX, so I assure that my orders were not some false fraudulent document as the collections rep stated by calling me a liar on the phone. We are considering legal action as it is as this has caused me significant grief and suffering in my life as it has made it very difficult to rent or buy a home due to the bad mark not only on my credit but to also homeowners when they see we had a nonpayment for a rental.
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation

Disputed: No Timely Response

2017-03-25

Federal Way, WA

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt was discharged in bankruptcy
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Disputed: No Timely Response

2017-03-25

Calwood, MO

Incorrect information on credit report

Credit reporting:

Account terms
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation

Disputed: No Timely Response

2017-03-24

Amarillo, TX

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt was paid
Complaint: I was charged a debt of a little over {$5000.00} back in XX/XX/2015 by IQ Data International. The other party responsible on this debt paid the debt in full. They say they have no record of the payment.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2017-03-22

Federal Way, WA

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Complaint: I got a debt collection letter from I.Q. Data International, Inc dated XXXX, 2017 regarding a debt that I owe to my previous landlord. This was the first time I learned about the debt, never received a bill from the landlord ( original creditor ). On XXXX I faxed and mailed a letter to I.Q. to dispute the charges, cease any communications to collect the debt and provide evidence for the debt. But on XXXX I received a call from I.Q. that I did not answer at first. Then I called back to ask why I was being called. I was forwarded to a customer rep who was responsible for handling my debt collection. I notified him that I 'm disputing the charges and would like more information and evidence on the debt. The rep asked for an email to forward the information. I gave him the email and told him that I 'll look over the information to verify the debt, but can not do it right now because I 'm busy. The rep got aggressive at this point and told me, " You 're trying to blow me off '' and that I just refuse to settle with them. Then he threatened to forward the debt to credit bureau agencies right away to coerce me to settle at the spot. I asked him if he 's not willing to email me the information then he can mail. He became totally dismissive at this point and put me on hold. I had no option other than to hang up at this point.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Disputed: No Timely Response

2017-03-22

Austin, TX

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Complaint: Received a letter months after moving ... never heard from the original creditor which was a landlord ... I have written notice advising I was vacating premises at end of Lease
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-03-20

Kent, WA

Credit reporting company's investigation

Credit reporting:

No notice of investigation status/result
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2017-03-16

Antioch, CA

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt was paid
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2017-03-16

Phoenix, AZ

False statements or representation

Debt collection: Other (i.e. phone, health club, etc.)

Attempted to collect wrong amount
Complaint: This is now my 5 attempt in regards to this company. My prior request was to have the orginal balance being reported and it be removed as this company is not aviding by the fdpca nor the fcra regulations. This item has been reporting on my reports since XXXX and all these years there has not been a single penny added to the amount until XXXX. I have disputed this item on my credit reports multiple times request a indepth summary as to why it is on there and the balance being reported to show me proof that this balance is correct when it is NOT! The paper work this company is sending me does not show me by law they are allowed to add interest 6 1/2 years later almost 7 years later. The documents provided only show that XXXX states the conduct un eithical business with they are allowed to pursue increase balances. Also balances can not be adjusted by law when the account hits collections and has been in collections for the time lengeth it has been. This company has called my work which is against the law, they have harrased me, and have provided me with documentation showing they stated this is reporting as a judgment on my reports. I have requested to have this item removed! I got a generic response from my previous complaint and nothing from my others.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Disputed: No Timely Response

2017-03-15

Downey, CA

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

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

Disputed: No Timely Response

2017-03-15

Downey, CA

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

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

Disputed: No Timely Response

2017-03-15

Houston, TX

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation

Disputed: No Timely Response

2017-03-12

Las Vegas, NV

False statements or representation

Debt collection: Other (i.e. phone, health club, etc.)

Attempted to collect wrong amount
Complaint: IQ Data purchased debt from XXXX XXXX XXXX and reported to all credit bureau with incorrect amount of {$130.00}. After I disputed the debt, IQData updated the amount to {$220.00} which is incorrect. I paid a portion of the debt that was not in DISPUTE with XXXX. According to emails and XXXX database the amount in question is {$110.00}. I was recently informed that I am a member in a Class Action against XXXX ( XXXX ). I believe that IQ Data and XXXX are acting in a malicious, retaliatory and fraudulent action to damage my credit. I attempted to resolve the disputed amount in XX/XX/2015, with BBB XXXX would not respond and BBB closed file with " F '' rating. I have NEVER received proof of debt from IQ Data even though requested in my credit bureau dispute.
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation

Disputed: No Timely Response

2017-03-09

Washington, DC

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

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

Disputed: No Timely Response

2017-03-09

Oxford, GA

Communication tactics

Debt collection: Other (i.e. phone, health club, etc.)

Used obscene/profane/abusive language
Complaint: Called to try and settle debt and the agent that was speaking to put a coworker on the phone to pretend to be the operations manager and started yelling and getting rude and demanding that I pay today or else so I ask to speak with his boss and he refused and told me that only person I was going to speak with was him and because of how I 'm going about things to be prepared to pay more money and begin to laugh and then he hung up in my face.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Disputed: No Timely Response

2017-03-08

Tampa, FL

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation

Disputed: No Timely Response

2017-03-07

Ft Lauderdale, FL

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: In XX/XX/2015, I was made aware by the IRS that there were two years in which I was a victim of identity theft. This person used my information to collect my tax returns for those two years. I am in the process of repairing my finances as a result and just recently began the journey to credit worthiness. This account is XXXX of the accounts I did not recognize on my credit report and on XX/XX/XXXX I sent a letter to the IQ Data International Company disputing a debt collection activity that I noticed on my credit report. I requested documentation with proof bearing my signature. I also stated that if they could not provide me with proof in 30 days, based on the FCRA it is their responsibility to remove this account. I sent this letter certified and they signed for this on XX/XX/XXXX. On XXXX, I received a response from this company with a copy of a lease that included my name type written at the bottom and bearing no signature in the signature fields. I sent a response advising that this was not sufficient proof and again requesting proof of a lease bearing my signature. I requested the below in my certified letter : I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Disputed: No Timely Response

2017-03-07

TX

Communication tactics

Debt collection: I do not know

Used obscene/profane/abusive language
Complaint: I received a call from IQ Data at work from XXXX. She was very rude and broke every collection practice. I called back to speak to supervisor and the agent transferred me back to XXXX. I will be seeking a lawsuit against the company for collection practice.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Disputed: No Timely Response