I.Q. DATA INTERNATIONAL, INC

2016-02-17

Houston, TX

Disclosure verification of debt

Debt collection: I do not know

Not disclosed as an attempt to collect
Complaint: I am in the process of purchasing a house for my family, and I see that I have two accounts in collection. They NEVER contacted me BEFORE passing this information on to my credit [ report ] they havent even sent me an account statement. I dont know what I owe this money for. Ive never even received telephone calls from them. I havent received any explanation about anything. They didnt give me any opportunity to verify the balances that they want to collect from me
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-02-16

Fort Worth, TX

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: I moved out of an apartment XX/XX/XXXX. The apartment complex I moved out of ( and gave my forwarding address to ) never notified me of an outstanding balance nor did they refund me my deposit. The first notification I received of a debt was XXXX XXXX, XXXX from I Q Data International. I called them in regards to my balance and notified them that I had not received any prior notices from them or my apartment complex. They kept arguing with me, telling me that I needed to contact my mail carrier because they had copies of letters they had sent out back XX/XX/XXXX and XX/XX/XXXX. I asked for an itemized list and they would not send one out to me. I did not receive any notice of a balance nor of my right to dispute the balance. If I had, I would have done so! They balance is over {$1800.00} at this point and I have no idea why! They also failed to include the other tenant in their collections, which they are legally obligated to do! I talked my way through XXXX supervisors to finally speak to a man named XXXX XXXX. He was the rudest person I have ever talked to. He kept saying, " I 'm not going to do anything sir. Are you going to pay your bill or not? '' I simply wanted an explanation as to why I was the only one included on the debt and why my first notification of an outstanding balance came 9 months after I moved out and the account had accrued a ton of interest? After doing some research online, I found that this company is notorious for violating the Fair Debt Collection Act. The Attorney General has shut them down before when they were known as XXXX, XXXX and XXXX. It seems they are still violating my rights under a new name.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-02-15

Denver, CO

Cont'd attempts collect debt not owed

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

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

Disputed: Yes Timely Response

2016-02-12

Houston, TX

False statements or representation

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

Attempted to collect wrong amount
Complaint: I moved out from XXXX prior to the end of my lease. I gave proper notice & received an email from the manager that explained the fees. I paid 2/3rds of the balance prior to leaving & was informed I would be contacted in 30 days and I could make payment arrangements. I received a letter on XXXX from a company called IQ Data saying I owed and incorrect amount. I faxed them the next day with a copy of the email from my leasing office with the fees and asked them to correct their records and I would make payment arrangements to pay the corrected balance. I also called that afternoon and was told to wait 24 hrs for my fax to get in their system and they would contact me. They did not even tho I provided all my current contact info. I called them back on XXXX. They claimed they did not get my fax even tho I had a confirmation letter. They continued pushing me to pay the debt then and said that it would go to the credit bureau if I did not take care of it immediately. They told me that I could not make payment arrangements and that I only had 30 days from the day I moved out of the apartment to pay the debt. Their letter arrived 30 days after I moved out so I could not have paid it. They refused to listen to my concerns, they were unwilling to consider payment arrangements on the corrected balance and all they did was threaten me to pay the balance as quickly as I could. I do not want to deal with these people. I want the communication returned to the leasing office and I will make arrangements with them once they have assured me that the balance has been corrected and this will not appear on my credit report. IQ Data is unethical and people should be made aware of their terrible collection practices.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-02-12

TX

Improper contact or sharing of info

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

Talked to a third party about my debt
Complaint: They contact an emergency contact name disclosed in my rental agreement
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-02-10

Bay Point, CA

False statements or representation

Debt collection: Mortgage

Attempted to collect wrong amount
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-02-10

Everett, WA

Cont'd attempts collect debt not owed

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

Debt was discharged in bankruptcy
Complaint: I have contacted IQ DATA several times to get this resolved. They are damaging my credit by not reporting an account in bankruptcy. It is showing as a active derogatory account still after almost 2 years. I have contacted enough times and people at IQ DATA this should have been taken care of and was told several times it was, however I just ran a credit report again to check and it is still showing exactly the same, they have not corrected this damaging issue.
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

2016-02-08

Garland, TX

False statements or representation

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

Attempted to collect wrong amount
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-02-05

Austin, TX

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

2016-02-02

Bellflower, CA

Cont'd attempts collect debt not owed

Debt collection: Mortgage

Debt is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-02-02

Newnan, GA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: XXXX Apartments have turned me over to a company called IQ Data saying I owe rent for the month of XXXX, 2015. My lease started in XXXX and ended in XXXX and I moved out XXXX XXXX, 2015. I had lights transferred and signed a new lease at my current address XXXX XXXX th, 2015. I turned in keys as well. I have emailed them all of this proof and they are still trying to collect and are adding interest. I had no legal obligation to them as of XXXX XXXX, 2015. Please help!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-02-01

Franklin, TN

False statements or representation

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

Attempted to collect wrong amount
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: Yes Timely Response

2016-02-01

Reno, NV

Communication tactics

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

Used obscene/profane/abusive language
Complaint: I left my apartment before the lease was over and according to the lease I had to pay XXXX plus give 2 month notice. I did exactly that and was told they would rent the apartment asap ... they rented it right away and never notified me. I emailed them and they notified me i still owed XXXX soon after, i was notified after i again emailed them that amount owed was reduced to XXXX and i should call I Q Data international to pay this amount. I called this company and found out it is a collection agency. I tried to ask them for a payment plan and then offered to pay the full amt in 30 days of which they refused, screamed at me..put me on hold for a long time, refused to accept my check and said they would kill my credit and no matter what i did it would not be good enough. i asked for a bill and they refused to send me a new bill showing the break down of what i owed. i tried to deal with them XXXX and each time they wanted to know where i worked and threatened me with going after my credit. i wanted to pay this bill ... they kept saying a check was not acceptable. I dont know what to do at this point. they are horrible nasty people. i am trying to get in contact with my old apartment and ask them to take the money and send it to them as i can not deal with them.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Disputed: No Timely Response

2016-01-30

Federal Way, WA

Cont'd attempts collect debt not owed

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

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

Disputed: No Timely Response

2016-01-30

WA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I noticed on my credit report that I have a collection against me on a rental apartment. I never lived there and there is a balance of XXXX dollars. IQ data is the name of the collection agency. The name of the apartments is XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-01-28

Flagstaff, AZ

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

2016-01-26

Saint Clair, MO

Cont'd attempts collect debt not owed

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

Debt is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-01-21

TX

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I.Q Data International has incorrectly reported a debt that is affecting my credit score. The company has not taken my side of the dispute into account or the fact that the Texas Property Code Chapter 92 allows me to terminate my lease without penalty. The company is blatantly ignoring the law, Texas Property Code Chapter 92, in order to forcibly collect a debt that is not owed. The only verification they have provided about the debt is the account information from XXXX XXXX XXXX, which does not validate the accuracy of the debt. I am still receiving notification stating that I owe the debt even though the law states otherwise. This is my second complaint against the IQ Data International submitted to the Financial Protection Agency. My first complaint is referenced in case number XXXX where I provided all the background information regarding situation between the XXXX XXXX Apartments and I, and the incidents that transpired between IQ Data International and I on the first debt notification. Additionally, IQ Data International has failed to provide the below request information : 1 ) The date the debt was transferred from the original creditor to the third party debt collector 2 ) Proof of my agreement to pay the original creditor ; 3 ) Surety bond information As stated by the Texas Finance Code Section 392.202, a debt collection agency or credit bureau is required to provide the alleged debtor with specific information concerning their debt including but not limited to the above mentioned information.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-01-18

Blacklick, OH

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 non-monetary relief

Disputed: No Timely Response

2016-01-14

Jacksonville, FL

False statements or representation

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

Attempted to collect wrong amount
Complaint: On XXXX XXXX, 2016 at about XXXX I spoke with a representative XXXX to gain clarity and further verification of a debt in their office. Later he provided a Pay for Deletion offer in the amount of {$3000.00} to get IQ Data off my credit report. I asked him to give me sometime and I would call him back the following day. On XXXX XXXX XXXX called to continue discussing the Pay for Deletion and when asked to furnish a letter he refused and placed me on the phone with his supervisor. The supervisor after I told her I was n't going to furnish my credit card info to guarantee me the Pay for Deletion and terms discussed said she was going to place that I refuse to pay the debt in the notes to the file. As well as charging interest to the debt that is owed. The interest was over {$1500.00} and the claimed debt I owed was over {$4700.00}. When asked to send my debt back to the original creditor IQ Data reperesenative refused. This has truly place a strain and damage to y credit report and history for the past XXXX. These practices are illegal under the FCDPA and the FCRA.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-01-13

Bakersfield, CA

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: I have been attempting to dispute an account for XXXX XXXX Apartments with all XXXX credit bureaus for some time now. I do not owe them money therefore I decided to dispute the account with all XXXX credit bureaus. Recently, the credit bureaus sent me investigation results stating that the account would remain on my credit report. Because of this, I decided to contact IQ Data International which is the collection agency that is trying to collect this debt and placing it on my report. At first I was speaking with a debt collector asking for itemization of the debt but she kept refusing to provide it and kept telling me things that I knew were n't truthful. Because I was having a hard time trying to reason with the collection agency and I had already disputed the account with the bureaus and that got me nowhere, I decided to ask for professional help. I hired an individual named XXXX XXXX and had him call the agency with my permission so as to get this resolved. When XXXX called them on the XXXX of XXXX, he too had problems with the collectors so he went straight to management. After speaking with the manager in my presence, the manager refused to provide him with an itemization. She stated that because her agency was not " actively collecting the debt '' that they would n't provide me with XXXX. XXXX XXXX informed her that because they were credit reporting the account as an unpaid collection that they were in fact actively collecting the debt. She refused to believe or acknowledge that but it is a fact as I 've checked myself. The case law below proves it. XXXX XXXX, Plaintiff, vs. XXXX, an Arizona XXXX, and XXXX, an Individual, Defendants. No. XXXX XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA XXXX XXXX XXXX. XXXX XXXX To make my complaint as simple and concise as I can make it, I am disputing an account that I do not owe. The credit bureaus claimed the debt has been verified by IQ Data International. I call IQ Data International to obtain their verification and validation of debt trough an itemization. IQ data claims they do n't have it and could n't provide one anyways since they are not " actively collecting the debt. '' However, they are still credit reporting that I owe this debt. Besides the fact that they either ca n't or refuse to validate the debt to me, they are in violation of the F.D.C.P.A. because they provided the credit bureaus with false information by stating it 's a valid debt when they clearly ca n't validate it. Because they also lied to me by stating they are not actively collecting the debt when they clearly are by credit reporting it, they are in violation of the F.D.C.P.A. and F.C.R.A. for making false claims to me while attempting to collect a debt. They are also being malicious as they are not giving me an opportunity to review the account for the smallest possibility that this debt might be owed legitimately therefore I could pay it and take care of it. At this point if nothing gets done I will be forced to sue IQ data international. I am hoping that you can see my dilemma and are able to assist me in getting this collection agency to do their job properly and follow the laws of collecting that require them to prove the legitimacy of a debt. Thank you.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Disputed: No Timely Response

2016-01-12

Houston, TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2016-01-11

Smyrna, SC

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: This company is by far the worst company ever, they are very rude, not helpful, and causing stress to my already stressful life. I called this morning and I spoke with a rep. by the name of XXXX, she was so nasty and rude to me it was unbearable to even finish the conversation, she called me a liar and stated that they are not removing anything off of my credit. I explained to her that the item is incorrect and that it 's been removed off of my XXXX report, so why is it so hard for it to be removed XXXX, she told me that she doesnt have anything to do with that and does n't care and that her company will not be removing anything. I 'm very upset about this issue. I will be hiring an attorney and we will be pursing in a lawsuit against this company. I do n't want any more harassing phone calls about this debt that is n't mine. They have caused great harm and embarrassment, contacting family members, non-family members and my job. I 've asked them several times to not contact anybody in my family, job, etc. and they continue to do so.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-01-08

Houston, TX

Disclosure verification of debt

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

Right to dispute notice not received
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2016-01-07

Quartzsite, AZ

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: I found these entries erroneously entered on my credit report. I disputed them will all XXXX credit bureaus and they were removed for lack of evidence to substantiate the debt. A few months later, they were back on my credit report and disputing it did not remove them. I believe this is from a security deposit that was paid through a third party vendor for my apartment at XXXX. If it was n't paid, I would not have been able to LIVE in the apartment I lived in. I know that the apartment was clean and did not have big cleaning needed to facilitate the use of any security deposit. First, I 've never received notification of an attempt to collect this debt. Second, there previously was n't enough information to substantiate the debt via all XXXX credit bureaus, so where did the proof come from? Even the apartment complex could n't provide me proof that any debt was owed. Lastly, I have never received any proof or communication from either the apartment complex or the third party collector attempting to collect this debt and negatively affecting my credit.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response