| 11/24/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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IQ Data International, XXXX XXXX XXXX, XXXX, WA XXXX is attempting to collect an alleged debt of {$9400.00}. From the information they are reporting to the credit bureaus, the original creditor was XXXX XXXX, the original loan amount was {$7500.00}, and the current amount due on the loan is {$9400.00}.
IQ Data International is attempting to collect a debt I do not owe. The company is reporting false and fabricated information to the credit bureaus that prevents me from being able to acquire housing and is creating other collateral hardships. The company refuses to provide any documented proof to validate that I owe {$9400.00} for a loan that originated with XXXX XXXX.
XXXX XXXX is an apartment complex. The apartments were purchased from XXXX XXXX XXXX XXXX XXXX, XXXX on XX/XX/2014. I rented an apartment from XXXX and the name of the apartment complex at the time of my interaction was XXXX at XXXX XXXX.
I am a XXXX XXXX. Within days of my move in, a local contract was cancelled and I was contracted to a hospital in California. On XX/XX/2014 I submitted a written Notice to Vacate and speak with XXXX at XXXX XXXX XXXX regarding my situation and their requirements for early lease termination.
The management of XXXX at XXXX XXXX informed me that I had two options. The first option was to pay two months of rent. The second option was to move-out, XXXX would put the apartment back on the market, and I would pay a reduced rent amount until the apartment was rented.
As I contemplated, management informed me that the complex was XXXX % occupied, the apartment was their most desirable layout, with the addition of a private balcony, one of the best views, and there were not anymore like it that were available. She then recommended that I take the second option because she couldn't fathom that particular unit not being rented within a month.
Based on the professional judgement of XXXX management I deferred to their perspective and chose to pay the reduced rent and allow them to put the apartment back on the market and pay the reduced rent until the apartment was rented.
Within days of my conversation with XXXX management I returned to the office, on XX/XX/2014, to inform them of my departure and to return the keys. All the employees in the office were different from a few days before. I spoke to one of them. I was told the apartments had been sold, and were under new management. I mentioned my situation and was told that all was well and that all arrangements made with XXXX at XXXX XXXX would be honored.
A few days later I received a call from the new manager of the newly renamed XXXX XXXX. We discussed the terms of my move out. I also informed her of the specific XXXX employee that told me my options for the early termination of the lease. I requested that she contact XXXX to verify and clarify the options and terms they had stipulated, and then call me back.
A day or so later the manager of XXXX XXXX called me back. She told me that she had gotten in contact with XXXX and they confirmed the terms of my early lease termination as being : ( 1 ) I would vacate the apartment, ( 2 ) they would put the apartment back on the market, and ( 3 ) I would pay a reduced rent until the apartment was rented.
She informed me that she had personally verified and clarified the terms directly with XXXX and that XXXX XXXX would honor the terms.
After arriving in California and starting work at the hospital, I received a call from the manager of XXXX XXXX informing me that the rent was due on the apartment. I told her that I was surprised that the apartment had not rented yet. I asked whether they had been showing the apartment and whether there were any prospective renters showing interest in the apartment. She told me it was their responsibility to rent the apartment and it was my responsibility to pay the rent. The sudden shift of tone gave me an uneasy feeling that something was not right. I told her that I was at work and when my shift ended I would use the online web portal to make the payment.
When my shift ended, I went to the XXXX XXXX website. I did a search of their website as a prospective renter utilizing the same method I originally employed to find and apply for the specific apartment unit I rented. I searched multiple ways, and although I was provided all the unit numbers of available apartments, my specific apartment number of XXXX was not listed. Since the apartment was not listed on their website as available for prospective renters, it was unavailable. Applications to rent the apartment could not be submitted. The apartment was not made available for renters, therefore it was not on the market.
I called the manager back and told her that when I had gone to XXXX XXXX website to make a payment, I checked to see whether the apartment had been placed back on the market, and was shocked to discover that the apartment had not been placed back on the market. Again, she told me it was their responsibility to rent the apartment and it was my responsibility to pay the rent.
I reminded the manager that the terms that I agreed to were that the apartment would be placed on the market and I would pay a reduced rent while the apartment was being marketed until it was rented. I told her that it was unfair of them to want me to uphold my end of the agreement while they abandoned their obligations of the agreement. I told her that not putting the apartment on the market constituted a breach of the conditions of our agreement.
I continued to monitor their website, and XXXX XXXX did not place the apartment on the market for several months. I took screenshots from the XXXX XXXX website during periods they were obligated to have the apartment on the market and available to prospective renters. The screenshots from XXXX XXXX own website constitutes irrefutable evidence that they breached the terms I agreed to by not putting the apartment back on the market ; thereby, making the apartment unavailable to prospective renters. XXXX committed the breach. The breach was not and can not be cured.
Additional relevant facts include : 1. XXXX XXXX did not own the apartments at the time that I rented.
2. XXXX XXXX did not own the apartments at the time I submitted my Notice to Vacate.
3. From the outset, I have acted in good faith by going directly to the management of XXXX at XXXX XXXX to submit my Notice to Vacate and to inquire about their requirements for early lease termination.
4. I utilized an early lease termination option recommended and given directly from the management of XXXX at XXXX XXXX.
5. After change of ownership, the manager of XXXX XXXX confirmed I was acting upon and in accordance with terms XXXX instituted.
6. After directly confirming the stipulated terms came from XXXX, the manager of XXXX XXXX told me the terms would be honored.
7. XXXX XXXX breached the terms by requiring payment of the full rent amount and by not putting the apartment on the market for rental for several months after I had vacated.
8. I did not and I have not signed a contract with XXXX XXXX or IQ Data International.
9. Due to their breach and/or otherwise, XXXX XXXX and IQ Data International do not possess any signed documents, contracts, financial or security instruments that I am indebted to them from a loan [ as they are indicating on my credit report ] or any other manner.
10. XXXX XXXX and IQ Data International both refuse to provide me with the document I signed to create the debt they allege they are owed.
11. XXXX XXXX and IQ Data International both refuse to indicate and demonstrate how the specific amounts of {$7500.00} and {$9400.00} were derived.
12. XXXX XXXX and IQ Data International are unable to demonstrate a binding obligation that I am required to pay {$7500.00} and {$9400.00}.
13. At the outset, had the manager of XXXX XXXX not misled and lied to me by stating the terms established with XXXX before the change of ownership would be honored, and told me from the beginning that the pre-established terms would not be honored, I could have addressed and resolved the issue before XXXX XXXX breached the terms and conjured an arbitrary and baseless debt amount.
XXXX XXXX AND IQ DATA INTERNATIONAL ARE VIOLATING FEDERAL AND STATE LAWS OF EXTORTION AND THE XXXX XXXX AND XXXX XXXX ( XXXX ) ACT AND THE FAIR DEBT COLLECTION PRACTICES ACT XXXX XXXX and IQ Data International are aware that I acted in accordance with terms established and imposed upon me before change of ownership. After confirming the terms, XXXX XXXX informed me that they would be honoring those terms. My understanding of how XXXX XXXX was going to proceed was based on and in accordance with what I was told by the manager of XXXX XXXX, i.e. they were going to honor the pre-established terms imposed by XXXX.
XXXX XXXX breached the terms by not placing the apartment on the market for several months and requesting the full rent amount. They can not cure the negligent breach that now forms the basis of their self-inflicted [ did not put the apartment on the market as agreed ] debt concoction.
The continuous demanding of a payment that they are keenly aware I do not owe and/or not obligated to pay because of their negligent misdeeds. The first is the breach of the terms they informed me we were going to abide. The second is not informing me from the outset that the XXXX terms would not be honored thereby providing notice to allow me the right to address and resolve the matter before the accrual of any potential additional costs or fees or increases.
They do not possess any documentary basis that absolves the factual particulars of their self-inflicted, negligent mishandling that allows them to justify the nature of the debt ( loan ) or the specific amounts to which they claim to be entitled. They have submitted this false and fabricated information to the credit reporting bureaus.
As a direct result of the fabricated information provided I am unable to obtain housing. When my applications for housing are denied the false information from IQ Data International is cited as the basis of denial. So either I pay on a loan that I dont owe or be homeless. That is a textbook case of extortion. The RICO act violation stems from the organization 's orchestration of continuous demands, through the agency of the credit reporting bureaus, of an ever-increasing amount of a debt they are not owed. They are refusing to validate the debt with documentation of how the specific amounts of debt, they are reporting to the credit reporting bureaus, are derived, why I owe them, and they will not remove it from my credit reports.
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| 11/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Do Not Mark this as a Duplicate complaint as my FULL complaint is never addressed by XXXX, XXXX or IQ Data International. So much so to the point that I can already predict their response to my complaints being that they have somehow verified the information belongs to me with an explanation irrelevant to my complaint and they refuse to delete it. I have submitted several complaints against XXXX and XXXX to notify them of errors in my consumer report. I also submitted 2 complaints against IQ Data international on XX/XX/XXXX and XX/XX/XXXX and in response to my complaints against IQ Data International they said " XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, IA XXXX Re : Complaint of XXXX XXXX Case Number : XXXX, XXXX Internal Reference : XXXX In response to your letters dated XX/XX/XXXX and XX/XX/XXXX, we provide the following information. To ensure there is no confusion, XXXX XXXX is not our client, he is the consumer '' so According to IQ Data International and the law I am the Consumer. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' IQ Data International is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' IQ Data International the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX XXXX XXXX, or IQ Data International whether it be verbal, non-verbal, written, implied or otherwise is revoked. They claim under section XXXX of my lease agreement with XXXX XXXX XXXX they MAY report to consumer agencies and this is still with my consent and does not trump my right to privacy so as the consumer I say any authority granted to report under section 33 of the lease agreement is revoked as is my right by law. This clause in the lease does not override my right to privacy. And under 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' To be more specific person means '' The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity '' This includes IQ Data International, XXXX and XXXX all of which I have made many complaints against explaining why the information should not be reported which they ignore. On top of these clear and egregious violations XXXX another consumer reporting agency already deleted the fraudulent account at my instructions. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' XXXX and XXXX are not maintaining reasonable procedures as my report is not consistent across the reporting agencies. If XXXX could not verify that it was lawfully added to my report my question is how could XXXX or XXXX. Also 16 CFR 313.7 ( f ) under the authority of 15 U.S.C. 6801 et seq., 12 U.S.C. 5519 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services once again. Please stop ignoring the fact that you or any agency can not furnish this information without my consent and you do not have it. 15 U.S. Code 1681n - Civil liability for willful noncompliance states that " Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} '' it also states " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' I have already demonstrated that you don't have permissible purpose and are knowingly continuing to report information after I have made many complaints. I am very tired of making complaints to no avail I know my rights as a consumer and I am tired of these companies violating my rights. If you still refuse to comply I will see you in federal court and according to 15 USC 1681n ( c ) " Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper '' and when I win you will pay my attorney fees. I would really love to see how you weasel your way out of this in your response please address how it is you continue to report without my consent. You always seem to conveniently leave that out. You already admitted I am the consumer so please explain why the Fair Credit Reporting Act is not protecting my rights the language in the act is very clear so now not only am I requesting you delete the account I want XXXX from each company for wilfully violating the provisions of that act. You can send the check to whatever address you have on file. Stop XXXX on my right to privacy and follow the law. In your response I demand to see an explanation of all the laws I listed and why you continue to violate them. Also to those at the CFPB what else must I do for you to actually enforce the provisions of the Fair Credit Reporting Act so far the Consumer Finance Protection Bureau has done a terrible job protecting my rights as the Consumer which was stated by IQ Data International that I am the Consumer. Every company on this complaint agreed to follow federal law not only in their security agreement filed with sec.gov but also in their consumer agreements. IQ Data International also claims to have won awards in their field but are obviously violating not only me but many other consumers. As well as the fact the XXXX and XXXX are also constantly violating consumers. And as you people seem to get amnesia I have made this report as specific as I can .Once again please stop ignoring the fact that you or any other agency can not report these items without my consent and you do not have it. The account I am speaking of is XXXX XXXX XXXX XXXX through IQ DATA INTERNATIONAL Account Opened : XX/XX/XXXX Account # XXXX
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| 01/16/2022 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I came back from XXXX in XXXX, after spending a year in XXXX bedroom apartment in XXXX, my kids were growing up, so I moved into a XXXX bedroom at XXXX XXXX XXXX complex in XXXX a rental property owned by XXXX Apartment. Even though the place was pricey for me it worthy at the time ( best school district in the state ), Because of the kids, my wife and could not work full time so, took an extra job, a weekend job, a ride hailing gig and was going to school full at XXXX XXXX college as XXXX machinist ( good paying job in this sector at the time ). The XXXX XXXX was a beautiful place to live, lot of greeneries, park for kids, shops all around, medical services, you name it, it was there. My family loved it ; I was proud to be able to live there.
The XXXXXXXX XXXX complex to describe it in short sentence was surround by a XXXX XXXX that drop to a creek about 15 to 20 meters below. An The all complex somehow was fenced except the portion around our block ( I dont know why ). The back patio of my unit was facing the XXXX XXXX looking down the creek ( I lived on the ground floor ). Trouble started when during a summer weekend, my kids were playing on the backyard, my boy came to as he notices someone fat cat roaming around. My instinct of dad got me to go check it out, at my surprise it was a bobcat ( no kidding ) I was shocked to see one in the middle of downtown XXXX. I contacted the office about it, and I received this memo ( please see attachment 1 email ) saying that it is basically the price to pay to be around the greenery, and that the wilds animal was friendly and if you see it just wave at it, as someone that grew up in XXXX, this email puzzled me a lot. Personally, if it is called wild animal, it is because, they are unpredictable, and if they are coming out of their habitat in the open, it is they are either sick ( rabies, cast out of herd, hungry, or the hideout is threatened by something, nothing friendly about ) I would not be around even a domesticate animal like dog unless the owner is there and tell me its ok. So, I approach the office to find out why this portion of the complex was not fenced like the rest. I was told that legally they done have to fence it ( I dont know why, Im not a legal expert ). Pretty much once a month I will see some or receive an email warning about some kind of wild life sights ( cayote, raccoon, bobcat, deers and so on. ) As precaution for the safety of my kids, my wife and I decide that they only play on back only when we are present.
In XXXX ( XXXX ) the heavy rainfall had eroded the cliff down the creek, making the all area a fall hazard. While we were sitting in the back enjoy one of the rare sunny days, my kids were playing with a go-cart toy, boy was not paying attention, and end falling does the creek, luckily, I was seating by there, and his go-cart ( broken, see attachement ) got caught by a branch and I was able to pull in out, and thanks God he was not hurt. Once again approach the office about the fence received the same answer about not being legal obligation.
I forbid my kids to play in back and complete lock the back door for their safety and barricade the fall hazard with tree branches ( attachement ).
I XX/XX/XXXX, a Thursday, while in class, my wife to notify me that our electricity got cut off. I called in the office to find out what was the issue, they told me at my surprise that I probably did not pay my bill, to contact XXXX ( WA XXXX XXXX in WA that serves our area ). After a back forth with XXXX, I found out that it was them. Friday, I called in the office, at the time they only had one maintenance personnel for the entire complex and barely one or two office personnel, to request my power back because XXXX was not responsible, I still believe it was unintentional mistake, as the maintenance personnel was working on the unit above me. They came and fix it on Monday after 4 days with no hot water, we cant cook ( electric stove ) and spoiled food. No apology just a note says has power ( Im sure he meant power restored ) I have to ask my friend in XXXX for my family to stay there for the weekend.
After the backyard accident with the kids, wife have decided not to renew our lease for a full year, so we can save more and any affordable and move out of this place that went from paradise to XXXX in less than 2 years. So, I planned with a real estate to buy a house after the school year ended. So, we sign a half year lease ( we had to pay and extra {$200.00} or more on the top the rent to stay there } After the power cut incident, I was going to my best friend wedding, and I was looking for a small suitcase in the closet when I came across the mold in the closet where we store thing we dont use often. Thats when I realize that it was a second bathroom that they hastily modified to closet in order to increase the value of the place. But instead on leaving the plumbing so, it is visible, the criminally try to mask it with plaster and same paint color as the wall. if it was not for the mold ( put a sponge to contrast in order to see the faucet ) I would not see the faucet and plumbing at the bottom of the closet. I was even troubled as they just did an inspection of the place couple weeks ago and did not mention anything. For the past XXXX years I have to surrender my dwelling XXXX a year for inspection, they knew that there is a potential for mold, but never care, and God known how long I have been paying sweat and hard work to live in this filthy place with my family. I contact my real estate the same day, I told him find me anything with a roof, Im leaving. They threw a carpet on a moldy bathroom to make it a closet. All that time my wife is complaining about allergy, and we thought, its just because we are surrounded by tree, could have been a result of the mold. They even admit in their assesment that the closet was moldy ( attachement ) As an immigrant, I did not grow up in a culture where we go around and suit each other for money to compensate pain or loss, I preferred to be proactive and move my loved ones to a safe and healthy environment as no money can overcome a human suffering. I immediately moved my family to my friend house and I notify the office with all the reasons. My real estate found me a house 55 miles away from our XXXX, in the middle of the school year, despite the complaint of kids for leaving the favorite school. Even though the price was ok, I could not afford it because I was not financial ready. I took a second FHA mortgage plus I empty XXXX to get there 2 months later.
XXXX XXXX kept my deposit, charge me at the highest for everything going from cleaning to even throwing extra garbage in the dumpster under the pretense that the unit is very dirty ( highly subjective ).
I always pay my rent on time, so despite my financial difficulty at the time I managed to pay them everything they asked for except the 2-months rent they need post moving. I tried to explain to them, no one in right mind will pay almost {$4000.00} for a moldy dwelling, but they keep saying you sign a contract, we ill send you to collection, and all kind of threaten. I propose to them half month rent to avoid what I am going through right now, and they declined it.
Last year, in the middle of the pandemic when they XXXX asks everyone to quarantine that when XXXX XXXX choose to take to court collect the inflated amount, I supposedly owe them. With my health condition, I did not want to go to courtroom during the pandemic, but I manage to go to, present my case to the judge. I was giving 2 weeks to collect evidence while XXXX XXXX lawyer had XXXX years to collect his. I dont have the mean to hire expensive lawyer to protect myself for this injustice, they riddled my credit score with collection, so I could not even take advantage of the low interest rate that was available back them for refinancing I believe XXXX XXXX XXXX and XXXX Apartment are the ones that breach their contract in bad faith by not providing me as they promise a safe, clean and healthy dwelling even though I, year by year fill full my obligation to them.
Please let me know if you need more information for this case, I am willing to provide you with anything that can help put this matter behind me in this stressful time we live in.
I do hold additional photo and documents if any party need them, I could forward it to you.
Thank you
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| 09/19/2023 |
Yes |
- Debt collection
- Rental debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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IQ Data International Services Phone Call Briefing Date : XXXX. Call Time : XXXX XXXX I initially called IQ data services on XX/XX/XXXX trying to get more information to see if there was an update on my dispute request that was mailed XX/XX/XXXX.
I was transferred over to the agent that was assisting me from my initial phone call on XX/XX/XXXX. His name is XXXX. I asked XXXX if there was an update on my dispute claim. XXXX stated that there was a major backlog in the dispute department. I asked if he could give me a date or estimated time that my dispute would be seen. He could not. I asked to speak with a manager to see if I can get a better time frame for this matter.
I was transferred to XXXX XXXX. I explained my situation to her, I also explained that XXXX could not give me a time frame that my dispute would be received. XXXX then started to bagger me into paying the debt during the phone call. I informed her that I did not have the money to make the payment and I was just looking for another option/ looking for an update on my dispute. XXXX stated that the dispute will be addressed within 30 days at the earliest. I said ok, well I guess I can just call back tomorrow to ask for an update on the dispute. XXXX then stated that I could not call back. She said that if I did not pay the debt while on the line then she would mark my case as unable to collect debt and I would be unable to dispute any sort of claim on my account and the charge would stay on my credit. XXXX then went on to say that this situation was my fault and that I had known about the debt since XXXX of XXXX. I let her know that that was incorrect.
I asked what address she had on file, she stated that she could not tell me. I then asked if I could get anything in writing because I have not received anything from this company recently. She then cut me off and stated that I could either pay the debt now or set up a payment plan/ hardship plan. She also stated that if I did not obliged she would end the call. I placed her on a brief hold to research the law to see if she could do that. I could not find an answer so I took her off hold.
I asked what the hardship form was and if she could mail it to me. I let her know that I would like information in writing and by mailing it to me I could then fill out the necessary paperwork and send it back so that I can have records. She stated that I could only do it over the phone. I let her know that I ought to be able to get things in writing. XXXX started becoming increasingly aggressive and extremely rude. She started to laugh at me saying that she found my situation comical. I again placed her on a hold to gather my thoughts. I waited a minute then took her off hold to try to speak with her again.
I told her that I found her to be rude and unprofessional and I am just looking for help and answers. I asked if I could speak with someone else. She stated that If I do not fill out the hardship [ form she would terminate the call and I would be unable to resolve this matter and It would stay on my credit. She said that she would mark my case as unresolveable. I let her know that that was not true. I am just trying to resolve the debt that does not belong to me.
I let her know that I tried to rectify this situation with the XXXX XXXX apartment complex and they stated that because my account was in collection, they could not speak with me at all.
I let her know that I did detail that in my dispute letter. She informed me that they had records on my original dispute back in XXXX. She stated that the apartment complex said that I was responsible for the debt. I asked if that meant that it's my word against theirs? she said yes. I stated Well, I am calling now and I am filing another dispute because this debt does not belong to me and I am trying to resolve this matter with the appropriate party. Doesn't that count for something? I am asking for help, because this debt does not belong to me. I am not in a situation where I can pay {$1100.00} for a debt that does not belong to me.This is causing undue hardship for me.
XXXX laughed again. She stated that I should have thought about that and that my case had been on her desk since XXXX. She also stated that this was my fault because I should have called earlier. I let her know that I did receive a dispute from a letter in XXXX but I did not receive notification from the company. I do not have an eviction on my record so I thought that everything was resolved. The initial dispute with XXXX XXXX XXXX XXXX XXXX was regarding an eviction due to an unpaid rent balance from a time period that I did not live there. She stated that a letter was mailed out to me. I let her know that I did not receive that letter. I asked If I could speak with her manager or report to her because I was not comfortable speaking with her longer. She laughed again. She said that she was speaking in circles and I was being difficult. She said that she had been on the phone with me for XXXX minutes and I was wasting her time because I was not willing to pay the debt. She stated that she would not transfer the call to a colleague to waste anyone elses time because of me.
XXXX XXXX became increasinly agitated, rude, and unprofessional. I was confused by this because I was only asking questions and trying to resolve the situation. She yelled that I needed to fill out the hardship form. I let her know that I do not understand why she is yelling and laughing at me. I also let her know that I do not appreciate her behavior. I let her know that I was uncomfortable giving her any additional information. I asked if she could mail out the form and I could fill it out and mail it back because I was not prepared to fill out a hardship form and I may not have all of my information. She stated that If I do not fill out the hardship form over the phone that she would terminate the call, I would be unable to resolve this matter, and It would stay on my credit. She said that she would mark my case as unresolveable. She demanded that I give her reasonable estimates.
I did not know what else to do. I thought that XXXX actions were illegal for her to do this to me. I feared that this would stay on my credit and I would be unable to move into another apartment or house. I agreed to start to complete the hardship information with XXXX XXXX as I did not know what else to do. While completing the hardship information, I gave her a reasonable estimate of my rent, utiiles, and then she asked me about my XXXX XXXX. I let her know that I do not know that information off the top of my head. She stated ok, guess then started listing out numbers and asking is it XXXX, XXXX, XXXX, XXXX something. I tried to look up my email at the time and stated that I do not know. I asked if I could put her on another hold to find out this information. She demanded that I give her a number right then and there. I said ok XXXX. She sucked her teeth and stated that based on the previous information my XXXX XXXX could not be that high. She stated that I was giving her false information. I let her know that I was not giving her false information. Her tone was extremely accusatory. I let her know that again, I am giving her the estimate that she was asking for. I let her know that she was being extremely rude and I needed to speak with a manager. SHe stated that I can only speak with a manager after this is completed.
I was becoming increasingly upset and disrespected. During the call my mother overheard the situation as I was at my parents home when calling IQ data services international. My mother stepped in and wired me the balance due so that I could pay it and move forward to speak with XXXX 's manager. XXXX took my payment and transferred the call immediately to someones voicemail. She did not give any payment confirmation. She did not give me information in writing that I requested, I called IQ data services international again to get this information. No one picked up my call and I was transferred over to voicemail XXXX separate times. I believe that XXXX took my payment, marked my case as unable to collect debt, and I am now unable to dispute any sort of claim on my account and the charge would stay on my credit.
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| 04/21/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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In XXXX, I contacted XXXX on Medical ( hereafter Broadstone or management ), an apartment complex located in XXXX XXXX, TX. I was looking for a three-month lease. At first, the management from XXXX showed me an apartment that was suitable for my needs. On XX/XX/XXXX, I filled out the application form and paid the application fee.
After finding the apartment suitable, I stopped looking for other living arrangements and relied on XXXX. However, on XX/XX/XXXX, after the application form and nonrefundable fee were already paid, XXXX management informed me that the apartment they had shown me and for which I had applied would not be available until a month later. XXXX management effectively pulled a bait and switch. Because I had relied on XXXX and stopped searching for other living arrangements, I had to accept the new apartment, which XXXX assured me in the same condition.
On XX/XX/XXXX, XXXX informed me that they had approved my application for the other apartment. The terms of the lease were as follows, three months at {$890.00} per month. I moved in on XX/XX/XXXX, and I paid the first month and deposit before moving into the apartment. I paid for a second month on the first week of XXXX.
As soon as I moved into the new apartment, I realized that the new apartment was not in the same condition as the first apartment that XXXX initially showed me. I found the following issues : 1. The air conditioner did not work.
2. The washing machine leaked water.
3. The refrigerator leaked water.
4. The bathroom faucets leaked water.
5. The carpet was broken.
6. The smoke detectors did not work.
7. The dishwasher was broken and was dirty from a previous tenants occupancy.
Please see attached pictures.
I verbally requested that XXXX fixed these issues. On the first occasion, XXXX told me that someone from maintenance would come by the apartment. Nobody from maintenance showed up, and I wasted my entire workday. I made new complaints, but management did not address any of my complaints. Two weeks after moving in, someone from maintenance did show up to fix the washing machine. The next day I used the washer. Once again, the washing machine leaked water. I did not use the washing machine or dishwasher for the remainder of my stay in the apartment.
On XX/XX/XXXX, my wife made the first written complaint. Please see attached communication from XX/XX/XXXX. We received an answer from management the next day, XX/XX/XXXX. XXXX stated that maintenance would come by the apartment within two days. Nobody came. On XX/XX/XXXX, I emailed the management to complain once again and to put them on notice that the air conditioner did not work. Please see the document attached.
Because of the hot climate in Texas, I started developing a skin rash. Yet there was no response from management. Please see the attached pictures showing the temperature around midnight at 82 degrees and a picture of the air conditioner sat for 66 degrees. According to the thermostat, the temperature inside the apartment was 82 degrees, the same as the outside temperature. I took these pictures on the same day, at the same time. The air conditioner was on all day, but it did not work. I am also including another picture that shows the thermostat set at 66 degrees, while the thermostat records the apartment 's temperature at 90 degrees. I have saved videos that show the faucets leaking and would gladly provide them if necessary.
Finally, I had had enough. The condition of the apartment was affecting my health, and management was unwilling to fix the problems. Although I had paid the rent until XX/XX/XXXX, I moved out on XX/XX/XXXX.
I informed management in writing. Please see the attached picture of the email exchange. I gave XXXX plenty of time to fix the deficiencies with the apartment while living there and after I moved out. Management responded that I was liable for the remainder of the lease agreement. Please note that management still did not express any intention to repair the apartment.
I returned to the apartment complex a week later and noticed that new tenants had moved into the apartment. I do not know if XXXX fixed any of the problems with the apartment.
In XXXX, a collection company, IQ Data International ( hereafter IQ Data ), started calling me. They said that I owed {$2200.00} because I had broken the lease agreement with XXXX. I provided IQ Data with my address and asked IQ Data that all future communications be in writing. Per Section 809 of the Fair Debt Collection Practices Act ( hereafter, FDCPA ), I also asked for documentation to validate the debt and a copy of the assignment of the debt. The first person I talked to said that it would not be a problem but then said that this would not be necessary since this kind of case is cut and dry. According to the IQ Data representative, I had broken the lease agreement, and providing documentation of the debt would not change anything.
Another IQ Data representative called me a week later. I reiterated that I did not want to receive calls, that all communication be in writing, and that I wanted validation of the debt and a copy of the assignment of the debt. The second person said that I would have to pay the debt before getting the documentation and further threatened me with legal actions unless I paid the debt.
During a third call, I repeated myself and asked for all communication to be in writing ; I provided my address and asked for validation of the debt and notice of assignment of the debt. This time, the IQ Data representative said that IQ Data had already sent documentation to an older address provided by XXXX, and they did not have to send me the documentation to the address I had provided.
During all calls with IQ Data, I explained the following points : 1. I did not want to receive phone calls and wanted all communication in writing.
2. I provided my current address at XXXX XXXX XXXX, XXXX XXXX, TX XXXX.
3. I requested validation of the debt and proof of debt assignment of the debt.
4. I explained that I did not have any responsibility for the debt they were trying to collect and that I wanted the validation to then respond in writing disputing the debt.
5. I also explained that I had not broken the lease agreement because XXXX provided an apartment that was not in livable conditions and refused to fix it.
Sometime during the year XXXX, I saw that IQ Data reported the debt to the three credit bureaus.
Their actions violated my rights under the FDCPA and the Fair Credit Reporting Act. IQ Data engaged in verbal abuse ; continued calling me after I requested that all communication be in writing ; reported wrong information to the credit bureaus and misrepresented information about the debt ; and refused to provide validation of the debt and a notice of assignment.
I should not be liable for the debt for the following reasons : 1. By failing to provide documentation and continue to harass me by phone, IQ Data violated FDCPA rules and my consumer rights.
XXXX. XXXX did not provide an apartment that was in livable conditions.
XXXX. XXXX did not suffer any financial harm because I paid for the first two months, and XXXX rented the apartment to new occupants before XX/XX/XXXX. Furthermore, I mitigated possible damages because I returned the apartment before the last day XXXX had paid for, XX/XX/XXXX. XXXX took possession of the apartment and rented it to new occupants, which constitutes acceptance of the apartment.
4. If I were liable for the apartments lease remainder, I should only be responsible for the third month, the amount of {$890.00} since I had paid for the first two of the three months in the agreement. However, IQ Data claims that I owe {$2200.00}.
5. Finally, IQ Data acted in bad faith by knowingly sending documentation to a different address where I did not reside, especially because I had provided IQ Data with my current address.
Along with this complaint, I am attaching the following supporting material : Copies of the communications with XXXX.
Pictures of the apartment 's condition.
Pictures of the air conditioner thermostat and screenshot showing the outside temperature.
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| 03/10/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!!
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action.
I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files.
1. IQ DATA INTERNATIONAL IN bal. {$1700.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX CC : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX, FL XXXX CC : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX.
XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
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| 10/08/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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Earlier this year I was trying to look in to buying a house. It had been years since I checked my credit report and didn't know what it looked like. When I spoke to a loan officer in hopes of becoming pre-qualified for a loan, the loan officer informed me my credit needed some serious work due to a {$27000.00} apartment collection! I remember the apartment complex trying to come after me in the past, but I didn't remember they were attempting to collect {$27000.00}. I'm sure I don't even have to go much farther in this complaint before anybody involved in this complaint realizes this is a ridiculous claim.
I did begin the process of disputing this account as well as some others on my credit bureau back on XX/XX/XXXX of XXXX. Due to the gravity of the collection amount, the disputes were sent out certified to everybody in XXXX with a return receipt requested. For a while, I wasn't receiving a response from anybody which was very frustrating. After a few months of not hearing back from the collection agency or even the credit bureaus, I submitted a complaint with your agency against the credit bureaus in XXXX. That caused the credit bureaus as well as the collector to finally send me documents as well as an itemization on this collection. The itemization was dated XX/XX/XXXX. I wish I could say that fixed the problem but it didn't. It actually made it worse.
When the itemization on these apartment collections was given to me, I saw what the charges were for and I just about blew a gasket. It was pretty obvious these charges were bogus. Anybody with half a brain could read between the lines and realize these charges are not legitimate. To break it down, the charges aren't even for damages to the apartment as I left the place clean. In fact, when I left the complex it was because my job layed me off and this complex was specifically for employees of the company. They FORCED me to move out because I was no longer working for them. It was not a pleasant way to move out but I did so anyways. I will be attaching the itemization so you can view what the charges are for.
They are claiming {$0.00} for cleaning, {$0.00} for damages, {$0.00} for painting, carpet, insufficient notice, cancellation, rekeying, or anything else. {$0.00} for ALL OF IT. That should be enough to prove that I left the place in good condition and only moved because they forced me to move. What they are charging me for is rather dubious. They are charging me {$2200.00} for a concession reimbursement. What concessions? There were no concessions. And even if there were concessions, you can't reimburse yourself for concessions especially when they were the ones to break their own lease. I can't be charged for being forced to move out because a company wants the apartment to give to another employee. That's crazy talk and we both know it's illegal. That isn't the only thing that's off in their itemization. They are charging me {$770.00} in eviction/legal/late fees. What legal, eviction, late fees? As I stated before, I was forced to move out because I was no longer employed by the company who owned the apartment complex. I did so willingly and they didn't have to evict me. I'm not paying for any fees that are made up. I should be charging them for breaking my lease and forcing me to relocate. But again, that's not the worst of it.
As I read further down the itemization I was provided by the collection agency, I was outright disgusted. They are charging me accelerated rent from the move out date of XX/XX/XXXX until XX/XX/XXXX. YOU'VE GOT TO BE KIDDING ME! They are charging me {$16000.00} in accelerated rent when I was forced to move out and the place obtained a new tenant within a month! I can prove they obtained a new tenant because one of my old coworkers who STILL works for that company and STILL lives at that complex and was a witness to the whole thing. He let me know someone had moved in shortly after I moved out. I actually just called him recently to ask him and he confirmed with me that he still lives there, still remembers what happened to me, and can confirm that place was rented out within a month. He even said that if his memory wasn't 100 % accurate, it absolutely didn't go past two months before someone else was living there. That place was rented out almost immediately. XXXX, we don't have to be experts or even be there to know that the accelerated rent is a bogus charge. It is more likely than not that a perfectly good apartment with no damages and no painting or even cleaning besides possibly a vacuum or dusting required is going to sit there for 8 months without a tenant. On top of everything else, companies have an obligation to try and mitigate their losses. You can't tell me they even attempted to mitigate their loss if they truly had that place vacant for 8 months which I know for a fact they didn't. Give me a break people. That is still not the end of it.
They are claiming I owe {$84.00} in unpaid utilities. I can see that. The month in which I moved probably went unpaid so I guess I'm not angry about that charge. They are also claiming I owed {$2100.00} as of the move out date. That charge I do not agree with. I left owing them nothing. Even if I did, Owing {$2100.00} in what I will assume is past due rent does not equate to {$27000.00}. In the end, the itemized statement says I owed {$21000.00} minus a {$500.00} credit for a deposit which left a balance of {$20000.00}. On that itemized statement given to me by the collection agency there is a post it note which has a handwritten note saying I owe {$1700.00} in interest to the client. I am assuming they mean the apartment complex. That leaves a grand total of {$22000.00}. Finally, on their actual collection notice the collection agency says I owe {$5000.00} as interest to their agency. That is how they came up with a {$27000.00} collection balance.
MAN! Just MAN! Like really? Does anybody else see anything wrong with this? And they are still collecting and credit reporting this after my disputes? What more can I say other than I'm probably going to lawyer up after this. I'm actually getting a kick out of this as I write it. REALLY? You are going to say with a straight face that this {$27000.00} collection is legitimate and you are going to continue collecting and credit reporting it?
They are claiming {$2500.00} in concessions reimbursement with are not defined. They are claiming {$16000.00} in accelerated rent for 8 months which I have witnesses to prove those are bogus. I'm sure once we sue and subpoena records it will show they were collecting rent for that complex during the time they are claiming I owe them. A handwritten note saying I owe {$1700.00} in interest on top of the {$5000.00} the collection is agency is charging? Do I need to go on? I will leave you with this. If this account is not removed from my credit report post-haste I will seek a lawyer and I will sue the apartment complex as well as the collection agency attempting to collect this debt. I'm done playing games and I will not spend anymore time or another dollar attempting to have this clear and fraudulent collection from my credit report unless its via court so I can collect legal fees and punitive damages from those involved in defrauding me and damaging my good name.
|
| 02/24/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XX/XX/XXXX and XX/XX/XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.
Failure to comply shall lead to complaints being filed with The XX/XX/XXXX XX/XX/XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Furthermore, as victim of identity-theft I received notification that my personal information was compromise in the several different data breaches. It has made it difficult to resolve this matter in a timely fashion. I have made several attempts to resolve this. If action is not taken to properly assist me with this matter within 15 days.
I shall file a class action lawsuit for violating the FCRA and FDCPA violations are as follows not limited to reporting inaccurate information, reporting information that resulted from crime ( s ) and/or crime ( s ) of identity-theft, unlawfully collections of debt, calling after designated hours by law, defamation of character, and misrepresentation of true credit worthiness. I ask that all fraudulent information listed below be removed without question. I have fraudulent accounts, employers, misspellings of my name, and address that are associated with crimes that were committed against me.
Once deleting all fraudulent information, you acknowledge that it is indeed fraudulent and resulted from crimes of identity-theft. By doing so you adhere to the FCRA that make it unlawful of any, some, or all information to be transferred, sold to another collection agency or reinserted one 's credit report once it is deemed as fraudulent. You also understand in order to reinsert information to a consumers credit report notification must be given 5 days prior to reinsertion. Failure to comply will also be a violation of the Federal Fair Credit Reporting Act and Fair Debt Collection Practice.
The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of a such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts.
Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files.
1. I.Q. DATA INTERNATIO bal. {$6900.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity-theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity-theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
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| 11/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. IQ DATA INTERNATIONAL & {$5100.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Iowa XXXX
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| 12/15/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXXXXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. IQ DATA INT bal. {$2600.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
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| 02/18/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In an effort to ensure maximum accuracy, I pulling my credit report in pursuit of a safe home for my family. I immediately noticed an account opened XX/XX/XXXX from a company named IQ Data International. This account was just about 3 years old at the time, furnishing incorrect data. However, I never received correspondence of this debt. Since I was never contacted concerning this debt, I disputed the account as I had no knowledge of it, so it is not mine. It was returned as " verified '' under FCRA. So, I reached out to this company directly and it has been a battle of unlawful practices and consumer mistreatment ever since.
On XX/XX/XXXX, I sent a letter disputing the validity of this debt. In response to my initial debt validation request, I was sent a debt validation letter dated XX/XX/XXXX. IQ Data International responded without presenting any evidence supporting their claim that I owe this debt, in fact, it reads as a first notice of debt collection, only specifying the principle balance and including interest fees; not addressing any of the written requests from my initial letter.
Also, this letter states an interest accrual of XXXX percent per annum, but there is no contract or written agreement produced, per request of debt validation to show the legality of this practice. This letter shows multiple po box addresses that are NOT included on this company 's business licenses. This letter suggest daily interest and late charges without permissible purpose. This company makes mention of IQ Data International once, with no mention of their actual company name ( searchable to the listed po box addresses where they want payment remitted for this alleged debt ).
These deceptive practices have prolonged the correspondence with this company while in pursuit of rectifying this matter. It has also created distrust as a consumer in this company and their merit to collect debt. I have no knowledge of this account, it's alleged fees or the claims made that I owe this debt but this company continues to collect interest and report this debt to the National Credit Bureaus. Everything aforementioned are clear FDCPA violations.
The debt validation and method of validation letters I sent in XX/XX/XXXX were mailed certified, with the second letter ( dated XX/XX/XXXX ) including a return receipt. The return receipt notice for the second dispute letter was received on XX/XX/XXXX. After a month of waiting, I did not receive any documentation that IQ Data was even investigating this matter. There was no notice of intent or further correspondence from this company.
Since I did not hear back, I sent a follow up letter ( dated XX/XX/XXXX ). This letter was to outline their failure to validate this debt and request immediate deletion, per FDCPA and FCRA regulation. The law allocates 30 days to investigate a dispute ( per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ). If the information request can not be validated within the 30 day time period, then the account must be deleted from my credit report. On XX/XX/XXXX, I received mail correspondence from IQ Data International, it was postmarked XX/XX/XXXX. However, when I opened the contents of the mail, the letters were deceptively dated XX/XX/XXXX as if they were the initial validation that I requested on XX/XX/XXXX when I sent my first debt validation letter. This would make the request 35 days past federal and state law. Unverifiable and inaccurate, grounds for deletion.
However, it has been over 5 months and this erroneous account is still reporting on the joint parties credit reports. This derogatory mark is damaging my credit worthiness and has made it VERY difficult to find a place for my family. IQ Data International has simply chosen to ignore federal and state laws while claiming to have verified the content of this erroneous account. I've disputed this account and challenged the validity of this debt multiple times, I have stated that there was never any written notice of debt sent to me before this was reported on my credit, which is illegal and I have no knowledge of the alleged debt owed. IQ Data International has only continued to accrue interest on this debt and report this fraudulent account to national credit bureaus monthly. No further information provided to me.
In closing, IQ Data International has withheld information from me that constitutes proof of legal debt. This information includes : Original creditor contract with signature ( s ), Business license with d/b/a state certifications, Written agreement ( s ) to base collection + Interest fees ( there has been well over $ 300+ in interest fees applied to this account ) and the names of anyone furnishing this data including confidential information like my SSN #. Not only were those requests ignored, but there's been a lack of respect for legal time frames and cooperation pertaining this matter as a consumers. I've made note of the direct violation of the FDCPA and FCRA to IQ Data and have been met with no response to any of my requests, demands or questions. To be clear, I have not entered a contract with this agency for collection of any debt or the illegal interest payments they claim is owed nor do I accept ownership of this account and charges listed. The correspondence between us has been fully documented since XX/XX/XXXX including the deceptive practices like misrepresenting their company, illegal collection of debt and interest fees, failure to validate/verify legal debt and failure to comply with federal and state laws.
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| 03/06/2021 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I received a notice in the mail yesterday, XX/XX/2021, that I.Q. Data International had a collection open and were attempting to collect money from me because of a debt owed to an apartment complex I lived at 2 and a half years ago. I was confused about why I even owed the money as I had never received notification from the complex and thought I had settled everything with them. In any case, I figured I would call and try to get details on the debt and set up a low payment plan if needed so that I wouldnt have to stress about it. I simply wanted to do the right thing and reach out so I did and spoke to someone named XXXX. I explained the situation and stated that if it would be easiest I was willing to set up a payment plan but due to my family currently living on one income and already being stressed about money due to the pandemic I was only able to do about {$50.00} a month but could make higher payments in a few months. I also stated that I didnt really understand the meaning of the debt and wanted to reach out to my old property management company because to my understanding I had settled everything with them and remember signing a paper saying so and giving them my new address when I moved in case anything changed and I needed to pay anything else. I was told that the property management company would not talk to me and that I could choose not to pay if I wanted to but they would be forced to proceed. That scared me because Ive been trying to work on my credit. I tried to fill out a hardship request to work out a low monthly payment but was told that I did not qualify and the lowest payment they would accept was {$320.00} a month for three months or I could pay it in full and save {$100.00} off the total. I was told by XXXX to ask family for a loan or to have my husband try and get a loan and that I should be able to afford it because I didnt have any hardships. When I stated that losing my job in hospitality because of a pandemic and my husband having to suddenly support our family on his construction worker income was my hardship XXXX told me that she was a single mom with two kids. Essentially trying to make me feel bad about not being able to agree on the spot to the {$320.00} a month payment. A lower payment option was not offered. I was told to call back the same day or they would proceed. So I did what she said and reached out to family for help and the response that I got was basically wait, why do you even owe money? And the more that I thought about it I was like wait, I dont know. So I reached out to my old apartment complex who was under new management and I was never able to get ahold of the old management to discuss the situation and see if the debt was even valid. At this point Im wondering if Im being scammed somehow so I researched the collection agency and was amazed at the number of law suits and complaints against them. I then called the collection agency back to touch base and explain that I wanted to try and reach out to the property management company and get more details on the debt owed before I moved forward with trying to set up payments because I didnt feel comfortable with giving my debit card information to a stranger on the phone from a company with a bad reputation, bad customer service, and I had no reason to be sure I owed the debt in the first place. I was again told that I would not be able to speak to the property management company. XXXX attempted to explain the debt but nothing that she said lined up with my actual experience. I again stated that I was happy to set up a way to pay that I felt comfortable with but I first wanted to be sure that I actually owed the money. She said that she did not want to go in circles with me and that was fine but they would be forced to proceed. My phone died at this point and I plugged it in and called back asking for her manager. I again explained the situation and that I was just wanting more details and to make sure everything was happening above board. The manager was extremely rude. Ive dealt with plenty of bullies but this bully takes the cake. I cant recall his name, he honestly came at me in such a heated way that I couldnt even quote everything he said because I was so shaken. I do know that he accused me of refusing to pay the debt and said Now youre talking to the manager and I can send this to your credit report right now. I tried to explain that I wasnt refusing to pay the debt I was simply wanting more information on it before I gave my banking information to a company that Ive seen had a class action lawsuit against them because I did not feel comfortable with the situation. I was cut off and told that I was talking over him and that it was rude. I said that he had done the same thing to me and I was trying to be respectful but needed to speak. He went on about hurting my credit and when he paused I said am I allowed to speak? He replied, absolutely not. And again said he was going to report the debt to my credit. I said I wanted to join the class action lawsuit and he hung up. Defeated I tried to get my brother to call for me and see if someone else explaining that I just wanted more information on the debt and a way to pay it that felt safe and didnt debilitate my familys finances. My brother got exactly the same treatment. Even the speech on interrupting. Now that Ive taken more time to research the company Im glad I didnt give them my card information. It seems they are known for their shady tactics and bullying. I just hopes that this helps someone.
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| 12/22/2022 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I am owed {$280.00} for an apartment I leased from XX/XX/XXXX till XX/XX/XXXX.
I've contacted multiple agents at XXXX XXXX XXXX XXXX Residential/Billing, and now IQ Data International and informed them charging me an excessive cleaning and carpet cleaning fee for a unit left in pristine condition upon move-out, was unlawful in accordance with Washington state law and the demands for additional moneys from me were incorrect. Despite me paying {$1700.00} total in security, animal, key fob, and parking deposits, I've yet to be refunded for anything from the XXXX XXXX XXXX XXXX. An incorrect debt has been sent to the collections company IQ Data Intelligence and it has negatively impacted my credit score.
I only recently discovered this unresolved debt since a very aggressive and vulgar collections agent contacted my personal cell phone and demanded payment and my physical address.
On XX/XX/XXXX, I applied for apartment XXXX at the XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, detailed all of the required security deposits needed upon move-in, including an additional security deposit of {$1000.00} due at move-in, a {$250.00} pet deposit, {$50.00} key fob deposit, and a supposedly waived {$500.00} standard security deposit ( later reduced to {$300.00} ). XXXX shared all deposits would be refundable at move-out. I moved into unit XXXX on XX/XX/XXXX and paid {$980.00} for my prorated rent due. After signing my initial lease, a few days later a new and updated lease was sent on XX/XX/XXXX at XXXX XXXX informing me that I needed to pay an additional {$300.00} in security deposits. The XX/XX/XXXX email from XXXX XXXX included an image attachment of the changes made to my lease and it read : " As you can see the total due for move-in was actually {$1600.00} which includes the additional security deposit of {$1000.00}, {$50.00} key fob deposit, {$250.00} animal deposit and {$300.00} animal fee. Unfortunately, I somehow miscalculated this amount in the welcome email that I sent you so we will need an additional {$300.00} payment to your account. '' In total, I paid {$1600.00} in security deposits upon move-in, with a {$300.00} payment made on XX/XX/XXXX and {$1300.00} paid on XX/XX/XXXX.
On XX/XX/XXXX, I paid an additional {$50.00} parking garage deposit to the XXXX XXXX XXXX XXXX. Bringing my total of refundable deposits to {$1700.00}.
On XX/XX/XXXX, I terminated my lease and moved out of the XXXX XXXX XXXX XXXX. XXXX XXXX was deep cleaned and left in the condition in which it was given ; clean. Despite this, I received a move out statement from Assistant Community Manager, XXXX XXXX, outlining what my security deposit was applied to : - Base Rent ( XX/XX/XXXX ) 17 days {$1100.00} - Utility Reimbursements ( XX/XX/XXXX ) 17 days {$43.00} - Garage Parking ( XX/XX/XXXX ) 17 days {$65.00} - Dog Rent ( XX/XX/XXXX ) 17 days {$27.00} - Sewage Capacity ( XX/XX/XXXX ) 17 days {$20.00} - Security Deposits credit - {$1100.00} - Pet Deposit credit - {$250.00} - Cleaning {$130.00} - Carpet Cleaning {$65.00} - Paint {$150.00} The move-out statement included multiple errors, including missing security deposit amount, missing garage deposit, and missing key fob deposit.
I disputed the excessive cleaning and carpet cleaning fees, in addition to the utility reimbursement charge and received the following email from XXXX XXXX on XX/XX/XXXX : " We understand the apartment was cleaned by you when you returned keys, but both the cleaning and carpet cleaning were standard charges due to XXXX. '' The email continuous, " We recently experienced a change in management, and I am no longer at the XXXX. If you have any further questions or concerns, you will need to reach out to XXXX XXXX who the new management is. '' I disputed the charges with XXXXXXXX XXXX multiple times via email and instructed them to refrain from contacting me, each time I was ignored. XXXX XXXX was contacted on XX/XX/XXXX and twice on XX/XX/XXXX. XXXX XXXX sent me two 'settlement offers ' via email requesting that I pay them {$250.00} and {$190.00}.
On XX/XX/XXXX, I was contacted by XXXX XXXX of IQ Data Collections and told I owe a debt with interest to them for my lease at XXXX XXXX XXXX XXXX. I told her I paid almost {$2000.00} in security deposits and it would be impossible for me to owe them anything. She then listed the charges from the move-out statement, including the cleaning and carpet cleaning fee, utility charge, and paint fee, all of which I disputed and reiterated that I had paid almost {$2000.00} in security deposits to the XXXX XXXX XXXX XXXX XXXX I then threatened legal action for XXXX 's harassment, to which she mocks me and yells at me. I immediately called the FTC for a two way call to report XXXX 's behavior.
Today, XX/XX/XXXX, I contacted the XXXX, who told me to contact XXXXXXXX XXXX. I contacted XXXX XXXX who refused to talk to me and provide their name before hanging up on me. I attempted to reach someone at XXXXXXXX XXXX 23 times before the line was disconnected. I then contact IQ Data, where I was again sent to XXXX who instructed me to email proof of my dispute to XXXX. Prior to ending the call, XXXX referred to our conversation yesterday and aggressively asked for my physical address again to which I responded, " I don't feel comfortable providing my address at this time ''.
An email was sent yesterday to XXXX Billing and today to IQ Data to dispute the charges and request what I owed ; {$280.00}.
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| 03/16/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/XXXX at XXXX as I was driving home from work and I received an unexpected call from a man in which I did not get his name as I was driving- he stated I owed money from XXXX XXXX XXXX XXXX XXXX XXXX XXXX kept my security deposit and never sent me a final itemized deduction letter as to what I owed. I was forced to move out after living there only XXXX month due to the undisclosed cockroach infestation that the apartment had. They rented out my apartment XXXX month after I left, so it was my understanding that I only owed for XXXX month of rent which was approx {$1100.00} minus the {$500.00} security deposit that they kept ) the man stated an amount I can not verify because I was driving, but I believe it was well into the $ 2000+ range in which I explained I do not agree with that amount as I believe what I owed was approximately {$2000.00} less than the amount he stated. I told him I do not agree with the number he gave me and that I dispute those charges. He then became aggressive and said " Fine then I will note it as refusal to pay '' and hung up on me.
That night on XX/XX/XXXX after going home, I looked online into " what to do when you don't agree with a debt owed '' and came across an article that stated that legally, I must receive a validation letter from the debt collector within 10 days of their first contact with me ( phone call XX/XX/XXXX ) or I can request XXXX from them by asking for the debt collector 's mailing address and sending the request via postal mail.
The next day XX/XX/XXXX I called back the number for the debt collector, ( Cell phone screen shots showing calls attached ) which I now know as IQ Data International Inc. when the person answered, I stated that I was calling to get my account number and company address, in which she then transferred me to an unknown extension. A man answered and I said " Hi I received a call yesterday and I'm calling for my account number and your company 's address. '' The man verified who I was and repeated information from the day before XXXX XXXX being the debtor and I told him I understood who it was from and that I just wanted the company 's address and my account number. He proceeded to tell me I am being rude when I told him i was not, and I was just looking for my account number and company address. After speaking over me a few more times telling me I was rude and telling me he was going to hang up on me, I kept asking nicely to please give me my information, the man hung up on me. I then called back from my work phone in which I had to give them my phone number to verify my account. When that man asked why I was calling, I told him how I was looking for my account number and the company address and that i just called and the man I previously talked to called me rude and hung up on me- this man then hung up on me as well. I called back again from my work phone and it just rang. I was unable to obtain my account number with IQ Data International Inc. or the company 's address. After searching online, I found XXXX different addresses for the company. Including two po box es.
On XX/XX/XXXX I printed and filled out XXXX copies of a form requesting validation of debt from IQ Data International Inc. ( Attached ).
I had the letters notarized and sent all three copies via certified mail the same day on XX/XX/XXXX to all three addresses ( Receipts attached showing the tracking and that they were all signed for on XX/XX/XXXX ) I never did receive any type of letter or any correspondence from IQ Data International Inc. after their initial contact on XX/XX/XXXX or after receiving and signing for my request on XX/XX/XXXX as stated under the Fair Debt Collection Practice Act ( FDCPA ) in which IQ Data International Inc. is in violation.
Today is XXXX 29 days from IQ Data International Inc. 's initial call to me and 22 days from when they received my request for a validation of debt and I still have not received any correspondence from them. This morning XX/XX/XXXX at XXXX I receive an email from XXXX XXXX that IQ Data International inc. has reported a collection/chargeoff on my credit. ( attached ) Again with no letter of validation of debt, no other communication, not even via phone, no account number, no notification of why they say I owe the balance they claim, not formal way to dispute it and no opportunity to pay anything at all towards the balance I believe is actually owed. How can I properly or legally dispute a debt, or even pay a debt if the company, IQ Data International Inc. will not give me the opportunity or will not give me further information and hangs up on me and doesn't even respond as they legally should, to a notarized, certified and signed for letter via the postal office? This is unfair. It is a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to my request for a validation letter. By filing this complaint, this is the first step out of as many possible that I have to do to properly and legally rectify this issue. I did everything I was supposed to do and in return have been violated against. Thank you very much for your time as I know this was lengthy.
XXXX XXXX XXXX
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| 06/28/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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On XX/XX/23, I was contacted by a XXXX XXXX with XXXX. I have my phone set up to reject unknown numbers and only learned that this was a debt collection agency because my mother called me and informed me that XXXX XXXX contacted her to get in touch with me on the matter, which I understand is not allowed ( please correct me if I am wrong ).
I returned XXXX 's call on 1/4 and he informed me it was an attempt to collect a debt for The XXXX Apartments. This took me by surprise because The Collection had my forwarding address but I never received anything about owing them money until this call from XXXX and I inquired with XXXX what address the communications were sent to and after great hesitation, he recited the address and it was my address at the apartment trying to collect the debt, not the forwarding address I provided. You will be able to see proof of this in the file I have attached labeled " Incorrect Address Dispute Letter ''.
I asked XXXX to explain what I was being charged for and he listed off the charges which I informed him were all incorrect and that I had photos and proof to nullify them. I asked him if I could have a few days to contact the apartment complex and understand what went wrong and provide them the same photo evidence but XXXX informed me that he could not give me a few days because he has now been in contact with me and that he wouldn't be able to delay the debt from being forwarding to collections since he and I spoke.
I asked what was within my power to do to pause the debt from being sent to collections and instead of informing me that I could request proof of the debt or dispute the debt, he said the only way I could delay the debt going into collections was by providing a payment method to put on file ; he said it could be a credit or debit card and that it could be expired so that I do not actually get charged.
In my ignorance of situations like this, I told him that was fine and he forwarded me to someone in their finance department and I provided her a card number but locked the card so that I would not be charged until I spoke to the apartment complex.I got in touch with the apartment complex the next day on XX/XX/23 and they informed me there was nothing they could do since the debt was now with debt collectors.
I began researching my rights because I KNOW this debt is incorrect and found that I could request proof of debt and that the collection agency would have to stop attempting to collect the debt until that proof was provided.
On XX/XX/23, I sent via certified mail, the letter requesting proof of debt ( file attached ). I contacted XXXX at his extension number and informed him that I was requesting proof of the debt and he offered to send it via email, I declined and requested it in paper and let him know I sent in a letter requesting proof of the debt and requested he stop trying to collect the debt until the proof was provided and he vehemently declined stating it was not the law to stop collection attempts until proof of debt is provided. I informed him it is indeed the law and that he did not offer requesting proof of debt or disputing the debt as an option to delay collections when I asked him what my options were, he only told me that I had to put a card on file.
My certified mail letter requesting proof of debt was delivered and signed for on XX/XX/23 ( screenshot attached ). XXXX repeatedly tried to charge my credit card even after the letter was delivered. After some time, the attempted charges stopped but I then saw there was a derogatory mark on my credit from XXXX. At that point, I still did not receive the requested proof of debt.
On XX/XX/23, I decided it would be best to dispute the debt since it seemed like I would not be getting the proof that I owed it and it was now a derogatory mark on my credit which was reported on XX/XX/23 ( screenshot attached ). I sent the dispute letter via certified mail ( file attached ) and it was delivered and signed for on XX/XX/23 ( screenshot attached ). In that dispute letter, I also attached the evidence/photos determining this debt is incorrect ( all evidence files attached ).
Near the end of XXXX, I get a letter in the mail from XXXX that was dated XX/XX/23 ( file attached ) and it was in reference to my request for proof of debt and the file only contained an itemized list of charges and the first couple of pages from my lease with the apartment complex. From my understanding, an itemized list of charges does not actually classify as proof of debt and it was the same itemized list XXXX recited during our calls that I already disputed in the dispute letter sent on XX/XX/23.
I then tried my hand at disputing the debt through the XXXX credit bureau and received a letter from XXXX XXXX on XX/XX/23 stating " no new information was provided and that the decision remains unchanged. '' ( file attached ).
I am submitting this complaint in hopes to get the derogatory mark removed from my credit or at least negotiate the correct amount, which would be the last month of utilities, paid and then have the derogatory marked removed, because I am indeed being asked to pay a large amount more on a debt that is incorrect.
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| 04/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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My wife and I moved out of an apartment managed by XXXX XXXX XXXX on XXXX XXXX, XXXX, because I transferred locations ( out of state ) for employment. The manager approved our early lease termination, without penalty, as my wife had previously mentioned it to her, in-person. We paid our prorated rent for XXXX XXXX and monthly fees of {$85.00}, that cleared my wife 's bank on XX/XX/XXXX. When the manager received the utilities bill for the previous month, she my wife with the amount, and she wrote another check for {$140.00} that cleared her bank on XXXX XXXX, XXXX. Shortly thereafter, we received our full deposit back.
It wasn't until XX/XX/XXXX, that my wife received a bill, in her name stating that she owed money. She contacted I.Q. Data International , Inc., immediately, and spoke with a gentlemen, whose name she could not get. When she asked him what she owed the money for he said, " Maybe it's for touch-up painting or cleaning or other late charges. '' When she told him that we already paid everything and received our deposit back and that this must be a mistake, he insisted it was correct. She told him that the information was incorrect and that we owed nothing, which would have been their verbal cue to investigate the matter. At this time, she requested the walk-through that mentioned any damages or repairs ( there were none, My wife has a video of the entire apartment walk-through that I did with my wife ). Additionally, the apartment manager did a walk-through with us. This young man also told me that some charges might have to do with COVID. '' We paid our rent throughout COVID.
Then, my wife was transferred to XXXX XXXX who preceded to ask her personal questions like : " Where do you work? '' " What is your monthly income? '' When she told him that she does not have to answer those questions, he told her that in order for them to send her a verification of the debt, she would have to answer his questions.
My wife also mentioned that some time after we moved out, we received a strange email mentioning to click on the link to pay money that we owe XXXX XXXX XXXX, where we resided.
She found it suspicious and immediately phoned the XXXX XXXX XXXX office to let the manager know. She told my wife that she was receiving other calls, and there must have been a data breach and not to open the email. She did not, and deleted it. She explained this supposed data breach to both gentlemen.
Fast forward to XXXX XXXX, XXXX - My called .Q. Data and asked XXXX to connect her with a supervisor. My wife was transferred to XXXX ( who was not a manager ) told my wife to email a dispute letter to XXXX. During this conversation he tried to convince my wife that we moved out on XX/XX/XXXX or the XXXX. My wife sent an email requesting validation of the debt within 5 working days. She also phoned XXXX XXXX XXXX and spoke with XXXX who told her that their office has no information on collection accounts and she would have to contact the Collection Agency directly. When my wife asked to be transferred to the appropriate department that would have that information, that there has to be a department that has the records like bookkeeping. she hung up on my wife. My wife called two other times, and she left one message, that call was never returned. Shortly thereafter, my wife emailed a request for the validation of the debt to IQ Data, cc to XXXX XXXX XXXX.
We finally received the validation of the debt in late XXXX, dated mailed XX/XX/XXXX, but postmarked XXXX XXXX. However, on XXXX XXXX, I.Q. Data had already reported the debt on my credit report. We immediately wrote a dispute through XXXX This caused my XXXX score to go down, and they reported the account, but not as disputed, as required.
On XX/XX/XXXX, my wife emailed both companies with a three page letter as well as sent it certified mail with return receipt disputing all charges, giving specific reasons and documentation. ( attached ) The only thing my wife told them to ask upon request was the 4.5 minute video she recorded of the apartment walk-through the day we officially vacated. The still have not asked. We have yet to hear an official response. However, they sent my wife another bill in the mail, which she wrote another note to them and resent the email with documentation. They continue to not follow the rules. They continue to ding my credit report each month with interest and has failed to contact any of the credit agencies in regards to the dispute.
My wife has already filed a complaint with the XXXX XXXX XXXX, which had hundreds of complaints. On XX/XX/XXXX, my filed a complaint with the Attorney General 's office for the state of Washington as well as an individual complaint with your agency.
She has started speaking with one particular individual from IQ Data 's office who is keeping her updated of any progress. Thus far, the account shows to be in the dispute department, and my wife was told that all of our documentation is attached to our file.
Today, my wife received notification that her credit score dropped XXXX points. Please help us! This is not fair, taking advantage of ladies in their late XXXX XXXX. Thank goodness we know better.
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| 09/15/2021 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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In XXXX, I received a bill from I.Q. Data International Inc. ( WA ) dated XXXX XXXX, 2021. The bill stated that I owed the company {$400.00} due to bills associated from moving out of my apartment, the XXXX XXXX XXXXXXXX ( VA ) which is managed by XXXX XXXX ( CA ).
I contacted I.Q. Data by telephone and explained that upon moving out of the apartment, the property manager refused inspection and would not take the keys due to covid. I told the manager that inspection is a tenant right and she told me I would be fine if I took photographs and kept receipts. I paid all rents due until the end of my lease, associated termination fees, and utilities/services for two-weeks beyond the move out date. However, because the manager never administratively accounted for the move with XXXX corporate headquarters, I continued to be billed being billed for utilities and services un-rendered. Multiple attempts to contact JXXXX XXXXy telephone, email, and the XXXX were unanswered until the XXXX closed the case, at which time XXXX stated the debt was passed on. I explained that I was concerned that I was receiving a letter from a debt collection agency stating that I had been deliquent on a bill that I never received from XXXX I.Q. Data told me I could send them evidence to support my claim and they would dispute it with XXXX. I submitted photos documenting fresh paint, a threadbare carpet, receipts w/photos of new items that XXXX was also billing me for in addition to proof that I no longer resided in the state of Virginia. I requested that XXXX provide evidence otherwise showing that I had still resided there, items that were replaced, etc. The documents were sent via registered mail with a signature required through XXXX XXXX which was received by the company at XXXX on XX/XX/XXXX and signed for by an employee with the initials, XXXX.
Since Data IQ 's receipt of my letter, the company continued to mail me bills. I called the company and explained that I had not received a reply to my letter requesting evidence. The company representative told me that the legal department decided that the bill would stand and that I needed to pay the {$400.00}. When I tried to explain, he said without further evidence from myself I had to pay or else the matter would be reported to the credit bureaus and effect my rating.
After conferring with an attorney, I wrote I.Q. Data International another letter and sent it USPS registered with signature verification XXXXXXXX The letter was received at XXXX on XXXX XXXX, 2021 and signed for by I Data. In the letter, I specifically stated I was seeking, " proof of debt in accordance with the Virginia Residential Landlord and Tennant Act and Third-Party Debt Collection Act. '' Once again, I.Q. Data did not respond to my request and upon checking my credit this week, I found that that my credit score went down hundreds of points due to this dispute. Until this point I had near perfect credit. I paid off a house, multiple cars, and all student loans. I was not however, giving in to my rights being violated by XXXX and then extorted for money afterwards. To the best of my understanding, under the FDCPA, debt validation is also a federal right and I appreciate your assistance on this matter.
I understand this has been a lengthy letter, but feel the need to clear up my concerns about the apartment which led to this matter. I chose to keep this information separate as to not interfere with my compliant against I.Q. Data however, I feel the background is needed. Before I moved out, I learned that the apartment was ripping out all of the carpets and chipping/grinding tile to replacing them with vinyl flooring once tenants moved out. As a result of the debris and mess, apartments had to be completely repainted however, XXXX was unknowingly charging past tenants for carpet cleaning and touch up paint as part of their move out fees. When I asked the manager about it, she provided conditional answers that would have required an inspection. When I asked for one in accordance with the lease and Virginia Tennant right laws, she refused due to covid. Then when I went to turn in my key, she stated she also could not take it due to covid. A few weeks after moving out, I called the office because I had not received any final documents as I concerned they would in fact charge me for carpet cleaning whereas the carpet was actually but the woman who answered the phone thought I did not move out for another month and a half. After explaining the situation about the keys, she stated she would speak with the manager. A few weeks after that I received a bill for utilities for the month of XXXX when I had moved out a month prior. I attempted to contact the XXXX cooperate office by telephone, and sent them an email explaining the situation and violation of state law regarding tenant right to inspection and proof of debt however, the company did not respond and immediately reported me to a debt collector..
Thanks again for your time and assistance. Please let me know if you need any additional information or copies of the letter I sent to IQ data. I can also provide you with others this has happened to if need be.
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| 01/19/2023 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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On XXXX XXXX, XXXX at approximately XXXX, I was contacted by IQ Data International. The agent would not provide the company name, and would not repeat his name when asked -- he said it extremely fast and mumbled so I couldn't hear it and wouldn't repeat it. I later found out from calling the company and speaking with another agent that the person who called me was XXXX XXXX. The agent, XXXX, began to ask me personal questions about prior addresses and contact information but still had not told me the name of the company, what was going on ( he was attempting to collect a false debt on behalf of an apartment complex ) and was incredibly abusive and threatening. He read off an address to me that I informed him was never my place of residence, and that he likely had the wrong person -- I told him I'd recently had information stolen and I often have accounts confused with another person of the same name from doctors, hospitals, etc, so I was not comfortable answering any questions without knowing what was going on and because I didn't feel safe. The agent then said that no one commits fraud on apartment applications and read off my phone number and name again, and then read off my father 's name with more incorrect contact information. Throughout the call, I never was informed of any amount owed, but was threatened and harassed multiple times. I also informed the agent I had received no communications about any debt I owed, via phone or mail, and that made the conversation more confusing and upsetting. Specifically, the agent told me to " cut the theatrics and drama '' when I said I wasn't comfortable answering the questions and when I specifically told the agent he was making me feel unsafe, he mocked me and there was a laugh in the background of the call. I was called a liar, directly, multiple times. The threats included " taking action against you '', " who is [ father 's name ] on the application? Should I call him and tell him what's going on? '' and when I said I wanted him to stop contacting me and then when I said I would be ending the call because I felt so threatened, he said " that's fine, but I want you to REMEMBER this call when we take action against you. '' After repeated requests for a manager after that comment, he finally agreed but refused to give me the phone number, the manager 's name, and again refused to repeat his name in a way that was audible. I was on hold after a transfer until the call dropped.
Following this call, I began a police report because I was so afraid of the random call I received from someone who wouldn't identify themselves and had gotten a hold of some kind of information about me. I called the number back and got the company name from a prerecorded greeting, and I was eventually transferred to a second agent. The second agent confirmed that the first person I spoke with did work for the company and that she didn't believe I was in danger. She explained what the alleged debt was ( the amount was significantly more than what they alleged the original amount owed was, and the first agent had given me completely incorrect information about the address associated with the debt and no information about what the debt was ) and attempted to collect payment, informing me that this would affect my credit. I told the agent that not only was this not on my credit, but it was removed over 4 years ago when I contacted the credit bureaus with proof that I had paid the original creditor ( at the time I submitted a scan of the check that they had cashed ) and that IQ Data International had no right to collect it. I informed the agent of this, and also informed her that if they are saying I owed for a lease fee from XXXX of XXXX that the statute of limitations had long since expired, as it was almost 8 years from the time that the supposed final payment was missed. The agent told me I should still pay " regardless of any statutes '' because otherwise I would accrue fees and additional interest on my account with IQ Data International, and " action would be taken against me '' and it would " affect my credit ''. I believe there was an attempt to coerce me into making a payment in order to begin the clock over on the collections window per Indiana statute. I was told to make a payment of any amount to bring down the balance, but since the statute of limitations runs from the time of last payment, I believe this was a deceptive tactic. I had to mute the call with the second agent several times to gather myself because I was so terrified by my conversation with the first agent. I understood after speaking with the second agent what was going on, but I was having a XXXX XXXX from the first agent triggering my XXXX with his abusive language and threats. At the end of the call with the second agent, I was forwarded to the voicemail for a manager ( I believe his name was XXXX XXXX and informed him of what happened. I've never been contacted with a resolution.
|
| 04/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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My wife and I moved out of an apartment managed by XXXX XXXX XXXX on XXXX XXXX, XXXX, because I transferred locations ( out of state ) for employment. The manager, approved our early lease termination, without penalty, as I had previously mentioned it to her, in-person. We paid our prorated rent for XXXX XXXX and monthly fees of {$85.00}, that cleared my bank on XX/XX/XXXX. When the manager received the utilities bill for the previous month, she phoned me with the amount, and I wrote another check for {$140.00} that cleared my bank on XXXX XXXX, XXXX. Shortly thereafter, we received our full deposit back.
It wasn't until XX/XX/XXXX, that I received a bill, in my name stating that I owed money. To our surprise, I contacted I.Q. Data International , Inc., immediately, and spoke with a gentlemen, whose name I could not get. When I asked him what I owed the money for he said, " Maybe it's for touch-up painting or cleaning or other late charges. '' When I told him that we already paid everything and received our deposit back and that this must be a mistake, he insisted it was correct. I told him that the information was incorrect and that we owed nothing, which would have been their verbal cue to investigate the matter. At this time, I requested the walk-through that mentioned any damages or repairs ( there were none, I have a video of the entire apartment walk-through that I did with my wife ). Additionally, the apartment manager did a walk-through with us. This young man also told me that some charges might have to do with COVID. '' We paid our rent throughout COVID.
Then, I was transferred to XXXX XXXX who preceded to ask me personal questions like : " Where do you work? '' " What is your monthly income? '' When I told him that I do not have to answer those questions, he told me that in order for them to send me verification of my debt, I would have to answer his questions.
I also mentioned that some time after we moved out, we received a strange email mentioning to click on the link to pay money that we owe XXXX XXXX XXXX, where we resided. I found it suspicious and immediately phoned the XXXX XXXX XXXX office to let XXXX know. She told me that she was receiving other calls, and there must have been a data breach and not to open the email. I did not, and deleted it. I explained this supposed data breach to both gentlemen.
Fast forward to XXXX XXXX, XXXX - I called .Q. Data and asked XXXX to connect me with a supervisor. I was transferred to XXXX ( who was not a manager ) told me to email a dispute letter to XXXX. During this conversation he tried to convince me that we moved out on XX/XX/XXXX or the XXXX. I sent an email requesting validation of the debt within 5 working days. I also phoned XXXX XXXX XXXX and spoke with XXXX who told me that their office has no information on collection accounts and I have to contact the Collection Agency directly. When I asked to be transferred to the appropriate department that would have that information, that there has to be a department that has the records like bookkeeping. she hung up on me. I called two other times, and I left one message, that call was never returned. Shortly thereafter, I emailed a request for the validation of the debt to IQ Data, cc to XXXX XXXX XXXX.
We finally received the validation of the debt in late XXXX, dated mailed XX/XX/XXXX, but postmarked XXXX XXXX. However, on XXXX XXXX, I.Q. Data had already reported the debt on my wife 's credit report. We immediately wrote a dispute through XXXX This caused her FICA score went down, and they reported the account, but not as disputed, as required.
On XX/XX/XXXX, I emailed both companies with a three page letter disputing all charges, giving specific reasons and documentation. ( I will attach ) The only thing I told them to ask upon request was the 4.5 minute video I did of the apartment walk-through the day we officially vacated. The still have not asked. I have yet to hear an official response. However, they sent me another bill in the mail, which I wrote another note to them and resent the email with documentation. They continue to not follow the rules. My wife continues to report a new balance with interest and has failed to contact any of the credit agencies in regards to the dispute.
I already filed a complaint with the XXXX XXXX XXXX, which had hundreds of complaints. I should do one XXXX XXXX XXXX XXXX as well. Om XX/XX/XXXX, I filed a complaint with the Attorney General 's office for the state of Washington. I have started speaking with one particular individual from IQ Data 's office who is keeping me updated of any progress. Thus far, my account shows to be in the dispute department, and I was told that all of my documentation is attached to my file.
Today, I received notification that my credit score dropped 9 points. Please help us! This is not fair, taking advantage of ladies in their late XXXX XXXX. Thank goodness we know better.
|
| 12/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
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On XX/XX/XXXX our former apartment, XXXX XXXX XXXX XXXX, sent me a final bill of {$910.00}, after we informed them of our intention to vacate after living there for 4 years.
After we moved out we went to the leasing office severally in order to get a staff to join us to our vacated unit so they can dot heir inspection before we gave them the unit key, but they said all their staff was still busy, we shouldn't bother too much about it, usual wear and tear after 4 years will at most be {$600.00}. So we handed them the key and left.
On XX/XX/XXXX th I got a cold call from a lady who said she was an agent for the collection company IQ Data, who was hired by my previous apartment to collect {$5900.00} for damages. I instantly disputed the bogus charge and questioned the fact XXXX XXXX sent us straight to collections without making any claim, no breakdown of damages, no report, no correspondence whatsoever to us, though, they had not only our phone numbers and email ( and they have been communicating with us in that way for over 4 years ) they also had our forwarding address.
After i disputed this, and was trying to resolve this bogus and malicious charge, IQ Data continually called and harassed me, causing me emotional and psychological stress and panic. They reported it to the Credit Bureau, left a derogatory comment on my report. Wrecking my score. My wife 's as well. Yet, they didn't let us breathe for a second. Raining down angry calls and threats on us, every other day.
One one occasion, when the manager called to harass me, I reminded him that this case was still under dispute and I am in the middle of resolving the issue with my previous apartment, he told me it was " illegal '' for me to reach out to them again, and i should only deal with them. And he went on pouring threats, in the meanest voice, and the harshest, condescending tone, of how they will hit my credit and interests will be added daily.
Another occasion, when I was driving down the freeway, he called again, harassing me, and yelling. I told him I was emotionally and psychologically shaken by this to the point where it is giving me a XXXX XXXX and i was driving on the freeway, so that wasn't the best time to continue this conversation. He replied telling " he doesn't care, all he wants is the money. Now will you be paying with a XXXX or XXXX? '' I repeated what I said, telling him of my XXXX XXXX and that I was driving. Please can you at least wait until i pull over, park the car and call him back. He coldly repeated, " XXXX or XXXX? '' XXXX XXXX XXXX XXXX " agent assigned to the case '' called my wife, trying to make her convince me to negotiate a middle ground. XXXX, XXXX XX/XX/XXXX, we called the lady. And while we were talking with her and trying to find a middle ground. She put us on hold ... then in comes the manager on the phone, roaring like a vengeful lion, pouring threats with his icy steel voice, condescending tone, reminding us he knows where we live, he is in XXXX Washington ( I don't know if that was to provide him some sort of alibi ) and he will do whatever it takes to get their money from us. No more negotiations, wait and see what I will do to you people. '' My wife and I were so shaken by that direct threat that our voice was quivering when the lady came back to the phone. ( I recorded part of it, but they said all their calls are recorded, so Im sure they can provide the full phone conversation if asked. ) I repeated the manager 's threats to the agent and she affirmed it, saying, " yes, now, we will do whatever it takes, and go any length to recover our money from you. '' My wife even asked her if we could at least pay in installments, since we don't have money now. And she replied " we will not finance your debt for you. We need that money in full and we need it today. Go get a loan from somewhere, or wait for the consequences. '' Then she hung up.
We were so shaken by this because they have our address. We have young kids at home. And they sound very... dangerous, mean and vengeful, as if we had known them and hurt them in someway previously. I didn't want to take any chances, I instantly called XXXX and informed the police of this ver disturbing, threatening conversation.
A dispatch police officer was sent over to our residence. They took our statement and offered us advice. And we were also advised to report this case to you, so you can review the conduct of this company, IQ Data and let us know if this is a fair practice of a debt collector, especially in a case in dispute where the apartment who hired them knows we didn't damage the counter top, and they have no way of proving it was not damaged before we moved in there. On the contrary we have offered them proof that it was, by reminding them of the circumstance in which we moved in there, and providing further evidence to that fact.
|
| 12/15/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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My lease in XXXX XXXX XXXX matured XX/XX/XXXX. The lease stated that the apartments would contact me regarding a renewal notice and if they did not do so, I was obligated to a 30 day notification. I contacted to Manager to ask about how to notify ( through email or verbally ) and she said that I was required to send a 60 day written notice, I then explained that I had not received a renewal notice from her and per the contract I was only obligated to give the 30 day notice I was attempting to provide.
After a small verbal dispute, I reminded her that she was in breech of contract anyway because the apartments had failed to repair 3 different issues in the apartment that had been reported, one being that the door to my garage was broken and the door knob fell off and I could not secure my garage as a result and the only thing that they sent the maintenance man to fix, broke 2 months later, and most importantly, she had failed to repair the gates at the apartment when they broke and as a result there was a increase in crime ( drugs being sold, and cars getting robbed ) to the point that there were notices sent out to residents warning them of the recent crime sprees yet never fixed the gates to keep non residents out and I was not the only resident leaving as a result. I then opted out of any further conversation and proceeded to draft a written notice to the property notifying the apartments that I had found a house and would be moving at the beginning of XX/XX/XXXX. When I attempted to deliver the notice at the beginning of XX/XX/XXXX, the individual at the front desk refused to accept it, and stated " I can not accept that from you '', then I said, " fine, I will leave it here '' and put it on the desk and walked away.
The first week of XXXX I moved, I then spent two days cleaning out what we did not take and carrying the trash out and cleaned the apartment including baseboards, ceiling fans, light switches, blinds, fireplace, the carpet, disinfected the bathrooms and kitchen with XXXX, and swept the balcony down with hot soapy XXXX water as well as the garage and documented the apartments condition upon my exit with photos and a video. I then went to the apartment office and returned my key and my Fob for the broken entrance gate and asked if the wanted to do a walk through of the apartment and the individual who accepted my key said " no everything was good ''. I never caused this apartment complex damage, I was honest through the whole duration as a resident in that complex and I did everything I could to do the right thing in my situation. I paid every bit of rent to them that was owed on time, I honored my lease and I moved out in a very honorable way. That apartment needed the carpets to have a default cleaning and the small repairs earlier reported to be completed and the apartment was move in ready.
I never received any correspondence from the apartments. I was notified of them attempting to collect from me via the collection agency report submission of this alleged debt to my credit report. This should be illegal. An apartment should not be able to cause damage to someone's life. as a result of this report on my credit, I have been denied the ability to lease a new home, buy a car, or obtain credit through XXXX because of this mark decreasing my credit score by a substantial amount.
I contacted the collection agency regarding the collection and they just immediately said yes you owe XXXX $ but if you pay XXXX $ today we will settle with you. I refused and asked to speak to someone in charge but I could only get through to a call center agent.
They contacted me again in summer of XXXX and I explained, I work as a paralegal and I am aware they are in violation of the US 1682, 1691 federal codes because I work in the field and I refused to settle and the call ended. The call should be recorded.
I then paid a credit repair attorney office XXXX $ to try to settle or remove the debt and they were not able to accomplish it because they said it would take filing a complaint in federal court to force the collection agency to remove the tradeline.
As it is, the collection states I owe XXXX XXXX The move out report I retained via the attorneys correspondence with the collection agency is inaccurate and full of false statement as far as the condition of the apartment upon move out and I am being charged for an inaccurate move-out statement and I have documented photos and video to prove it.
I need help regarding this case or I am going to be forced to spend more money ( XXXX $ ) to hire a federal debt collection attorney to sue this entity in federal court just to get the debt removed from my credit report.
|
| 03/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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I was first contacted by I.Q. Data International by phone in XXXX of XXXX. The agent who contacted me indicated that I owed monies from XXXX at XXXX apartments from a move out in XXXX of XXXX. The agent was rude and when I tried to get information, he yelled over me. Therefore, I asked that he not call me again- which they did many times, until I wrote them a letter on XXXX.
In my letter to I.Q. Data, I indicated and requested the following : " The amount of the alleged debt with all payments and an itemized list of damages that you are claiming ; XXXX. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; XXXX. Documentation showing you are licensed to collect debts in XXXX.
Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information.
If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. '' I.Q. Data continually responds via writing, but does not address my requests- they keep sending me a bill. At first, IQ data was attempting to collect monies owed by my mother. They have at least corrected this, but refuse to provide validation of the debt.
In my last letter to I.Q. Data on XXXX I wrote the following : " On XX/XX/XXXX, I requested all of the following information be provided to me by mail : XXXX. The amount of the alleged debt with all payments and an itemized list of damages that you are claiming ; XXXX. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; XXXX. Documentation showing you are licensed to collect debts in XXXX.
In your response, you only provided a list of charges from XXXX and a signed lease, but nothing else. You have failed to show that I owe this debt.
I reiterate that according to XXXX Statute Chapter 83, part II, XXXX was to notify me within 30 days via written notice of how much of the deposit was to be kept and why. This must be done by certified mail, to the tenant 's last known mailing address. If this notice is not sent as required within the 30-day period, the landlord forfeits their right to impose a claim on the deposit. XXXX never sent a written notice ( my mail was forwarded, and they have my email ), and never attempted to collect any monies from me, nor told me that I owed any monies. They never notified me of any intent to send this account to collections. They never provided me with a bill or statement of what they believed that I owed. This is a violation of the above statute, as I have a right to respond in writing, disputing any claim directly to them. To date, XXXX has not provided proof that they notified me in any way. This is because they did not.
I assert that I do not owe this debt and it was illegally sent to you by XXXX in violation of my rights as noted above. Further, you have not provided the information that is owed to me under the Fair Debt Collections Act.
If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor.
In sum, I am again demanding that XXXX retract this collection and send a letter to me in writing absolving me of any monies owed to them as indicated by all of the aforementioned. If this illegal collection effort continues in violation of my rights, I will obtain counsel to address the issue further. I do not owe this debt. You have failed to show that I owe this debt as indicated above. I am instructing you to have no further contact with me in writing, by phone, or otherwise as you have had ample time to show legal cause as to the validity of this debt. '' In response, I received another bill. I have never received any bill from XXXX at XXXX, nor explanation of the monies they say I owe, even though I have sent this correspondence to XXXX as well.
At this point, it has been over a year and I feel that this harrassment will not stop without intervention.
Thank you.
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| 02/06/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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My complaint is regarding a final bill from XXXX XXXX, an apartment complex where had leased an apartment, I moved out of the apartment and provided my new address and asked that the final bill for water, garbage and other associated fees be to the address I provided. I never received the bill, instead I received a collection letter from I.Q. Data International, the letter was dated XX/XX/2021 although I didn't actually receive the letter until approximately XX/XX/2021 due to lag in time with my change of address. I also received notification from my bank notifying me of negative credit reporting on my credit file, upon reviewing the notification I learned that I.Q. Data had already reported the outstanding debt to the credit bureau.
I contacted I.Q. Data XX/XX/2021 to inquire about the letter and the manner in which the account had been sent for collection and reported to the credit bureau without me ever receiving the bill, I also requested a copy of the bill. The representative informed me that I.Q. Data didn't have a copy of the bill and offered to accept my payment of {$130.00}, I declined the offer to pay the bill because I wasn't sure whether on not I was speaking with a legitimate collection agency.
I contacted XXXX XXXX to request a copy of the bill, I spoke to XXXX XXXX/Assistant Manager who informed me there had been a change in property management and provided a telephone number who she said was for someone that could better assist me, the number was for a credit repair company and was no help in obtaining a copy of the bill. I sent an email XX/XX/2021 to XXXX which was the property management company in place while I resided at XXXX XXXX and received their response XX/XX/2021. The response stated XXXX no longer manages XXXX XXXX and does not have legal authorization to conduct business on behalf of the property, and advised me to contact XXXX XXXX XXXX who now manages XXXX XXXX I contacted XXXX XXXX XXXX and spoke to someone who seemed incapable in assisting me and she had to ask another person present with her what to tell me, after being placed on hold I eventually was informed that the company had nothing to do with outstanding final bills of previous residents prior to them taking over management of XXXX XXXX and advised me to contact the previous management company.
When I realized I was getting nowhere with my request for a copy of the final bill I sent a dispute on XX/XX/2021 to I.Q. Data International and later sent an email to XXXX XXXX XXXX on XX/XX/2021 hoping it would reach someone who would have more concern for the situation an assist me, I received a response XX/XX/2021 informing me the final bill would have remained with the previous management company and to contact them. Because of the slow response from I.Q. Data, regarding my dispute I began the dispute process with the XXXX national credit reporting agencies, although I received a copy of the final bill wasn't in communications with I.Q. Data International until XX/XX/2021 when I contacted them and spoke with a representative named XXXX. During our conversation I reiterated my dissatisfaction with XXXX XXXX for mishandling my final bill and the negative credit reporting which was unfair to me since I provided my new address and requested that the final bill be mailed to me, and asked if returned mail sent to me was included in my file transfer to them, her response was that XXXX XXXX doesn't have to prove that they mailed the bill to me nor that they attempted to contact me.
My attempts to resolve this matter came to a halt when I.Q. Data refused to remove the collection from my credit report in exchange for payment in full.
I had contacted XXXX regarding my dispute and was informed the debt was verified with I.Q. Data, when I asked how it was verified the XXXX representative said that in their investigation I.Q. Data responded to the request for verification verifying the debt, I expressed my dissatisfaction with this because I feel this isn't a thorough investigation process. The representative informed me further dispute requires me mail a copy of my government issued I.D . and social security card to XXXX XXXX XXXX, XXXX, Ga XXXX. I don't trust sending sensitive personal data such as this to anyone, especially through USPS so I decided against filing a further dispute.
Please find below the contact information of all parties to this case which I have been in contact with while seeking a resolution.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 02/09/2022 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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Please accept this letter as my formal debt collection dispute letter.
I. WHAT YOU NEED TO KNOW : 1. The original creditor lacks legal standing to collect the alleged debt ; 2. The original creditor does not own the alleged debt ; 3. The original creditor is not in possession and/or control of the documents and/or witnesses necessary to prove its alleged claim against the alleged debtor ; 4. The original creditor does not own or possess the right ( s ) to receive all or any payments or amounts allegedly due or owed pursuant to the alleged credit/loan agreement ; 5. The original creditor failed to provide a method of verification for the alleged debt ; 6. The original creditor claim is barred, in whole or in part, by the applicable statutes of limitations ; 7. The original creditor claim is barred, in whole or in part, by the applicable principles of waiver, ratification, latches and/or estoppel ; 8. The original creditor claim is barred, in whole or in part, by the doctrine of unclean hands ; 9. The original creditor lacks standing to bring debt collection because it has no business relationship with the alleged debtor ; 10. I believe the original creditor violated the Federal Truth In Lending Act ; 11. I believe the original creditor violated the Fair Credit Reporting Act ; 12. I believe the original creditor violated the Fair Debt Collection Practices Act ; 13. The original creditor is not the real party in interest ; 14. The alleged debtor did not receive a copy of the alleged credit/loan agreement from the original creditor, or anyone else ; 15. The alleged debtor has never seen the alleged credit/loan agreement and therefore could not have agreed to its provisions. Accordingly, the alleged debtor could not have breached the provisions of the alleged credit/loan agreement ; 16. I DENY all statements of the alleged creditor. Be advised, the Court of Appeals ruled that an itemized list of the alleged charges does not meet the Federal Trade Commission 's guidelines of what constitutes proper debt validation. Please adopt by reference the following case : See. XXXX Vs. XXXX ( IN THE COURT OF APPEALS OF INDIANA, XXXX ) ; 17. The defense of the alleged debtor is based upon documentary evidence.
II. PLEASE PROVIDE ME WITH THE FOLLOWING : 1. Please validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) ; 2. Please provide a valid basis for the debt, such as the original contract/agreement/promissory note between me and the original creditor, bearing my wet-ink signature ; 3. Please provide proof when the original creditor claims this debt became due and when it became delinquent ; 4. Please provide a copy of the last billing statement sent to me by the original creditor ; 5. Please provide late payment notice and/or account closing notice provided by the original creditor ; 6. Please provide a verified ( sworn to by Affidavit ) copy of the contract your firm has with the original creditor, authorizing your firm to engage in collection activities on their behalf against the above-alleged account ; 7. Please provide a verified certificate of authority, and/or proof that your company are licensed to collect in my State ; 8. Please provide general ledger statement showing the full accounting of the alleged obligation you are attempting to collect, accompanied by a commercial affidavit by the original custodian of the books and records ; 9. Please provide the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as FR 2046 balance sheet ( XXXX # 's XXXX, XXXX, XXXX ), XXXX OID report, XXXX registration statement, XXXX prospectus, RC-S, and RC-B call schedules ; XXXX. Please provide verification and/or copy of any judgment if applicable ; 11. Please provide proof of any interest, fees or other charges expressly authorized by the credit/loan agreement ; 12. Please provide a certified copy of all Public Hazard Bond ( s ) and Liability Insurance Policy ( s ) and accounting demonstrating the financial capability of debt collector ; 13. Please provide proof that the alleged debt has not already been satisfied by any means available including but not limited to, a Tax write-off, an Insurance Claim or selling the purported debt to third party debt collector ; 14. Please provide a Statute of Limitations expressly authorized by the credit/loan agreement ; 15. Please provide documentary evidence for the method of verification of the alleged debt.
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| 06/23/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/2023 XXXX asked the XXXX for documents for debt validation to which the XXXX responded I'm unable to provide you with the application or the original Move-In/Move-Out inspection sheets.
Account XXXX Dear IQ data international inc I am responding to your contact about a debt you are trying to collect. You contacted me by mail on XX/XX/2023 and identified the debt as {$620.00} Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was.
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
Tell me when the creditor claims this debt became due and when it became delinquent.
Identify the date of the last payment made on this account.
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Details about your authority to collect this debt.
I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us.
In addition to providing the information requested above, please let me know whether you are prepared to accept less than the balance you are claiming is owed. If so, please tell me in writing your offer with the amount you will accept to fully resolve the account.
Thank you for your cooperation. Sincerely, XXXX
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| 10/19/2023 |
Yes |
- Debt collection
- Rental debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Moved out from XXXX XXXX on XXXX XXXX. I received a final move out statement from the property manager on XX/XX/XXXX that had charges from the mess left behind from the movers that I had hired and exaggerated property damage charges that totaled to a balance owed of {$980.00}, this balance included the last months rent which I had already paid and I have proof of rental payment.Anyway, I called and emailed the property manager over the balance and she said she was willing to negotiate and reduce the charges if I had cleaned up the mess the movers had left behind. I still had the keys to the units because the manager was not on site for my move out so I had no one to return them to, with the manager 's permission I went back to XXXX apartments and cleaned up the mess, deordized the carpet and cleaned all countertops. I also took photos of the unit after cleaning up and emailed them to the property manager so she could work on the discrepancies on the move out statement on XX/XX/XXXX. I spoke to management on the phone XX/XX/XXXX and she said she would think over what charges she wanted to remove from the final statement and would get back to me within a week. A week past and I did not get a follow-up from XXXX management. I finally got a call back on XX/XX/XXXX from management and she argued that I damaged the carpet and that I did not pay my last months rent. Due to the context of the conversation and the pugnacious temperament from myself and XXXXXXXX management, the conversation ended with the manager stating " I don't like how you are talking to me so I am not going to change anything '', she then hangs up and sends me an email on XX/XX/XXXX accusing me of trespassing on the property even though she had given me permission to clean up the unit. I then followed up on the situation via email XXXX XXXX, management didn't reply until XX/XX/XXXX and stated that she would get back to me in a week. I followed up via email on XXXX XXXX XXXX XXXX, on XX/XX/XXXX I email management a notice requesting my security deposit and then she finally responded back to my emails that same day and asked me to call her office phone and I did. During this phone conversation, I requested my security deposit since the 21 day deadline for negotiation had passed and that she never responded to me within a timely manner. The manager became very aggressive and rude and stated that " I am not giving you anything, if you don't pay ill report it to collections and it will go on your credit ''. I received a notice from I.Q Data International INC, a collections agency on XX/XX/XXXX that stated the XXXX XXXX had hired them to collect a debt of {$980.00} and that if I wanted to dispute the amount to mail back the form with documentation and that I had until XXXX XXXX, XXXX to respond to the notice or the charges would be considered valid. I sent my refusal to I.Q. on XX/XX/XXXX with a small claims case filing number that I had filed against the XXXX XXXX to receive my deposit. On XX/XX/XXXX, I received an alert from XXXX that IQ had reported the collection account onto my credit report. I had 30 days to reply to the notice and within a week of receiving the first notice the account was reported to the credit union. I called I.Q on XX/XX/XXXX, to dispute the account inquiry on my credit report because the charges are wrongful, the report to XXXX is fraudulent, and the time allowance I was given to respond to on the notice was contradicted. A male representative from IQ initially answered the phone and addressed me by my first and last name, he then put me on hold and transferred me to a female representative. The female associate stated that I owed a balance with the XXXXXXXX XXXX and asked if I was calling to make a payment. I explained to her I was calling to dispute a credit inquiry because I had responded to the notice that I received on XX/XX/XXXX within a timely manner. This associate quickly became irate and stated that I don't have " proof '' and that I need to pay, her demeanor and voice reminded me of the manager of the XXXXXXXX XXXX, I asked for speak to her supervisor and she claimed that he/she wasn't available. I expressed to her that the inquiry was fraudulent and that I had filed a case against the property management company to receive my security deposit for XX/XX/XXXX.
|
| 09/16/2021 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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My family and I were moving out of the apartment at XXXX XXXX XXXX and notified the leasing office on XX/XX/XXXX ( Appendix A ). As we were unsure of our exact move out date, we continued our communication with the leasing office from XX/XX/XXXX to XX/XX/XXXX before finalizing the move out date at XX/XX/XXXX ( Appendix B ). We followed up with email communication regarding move out date, pro-rated rent, and returning keys on XX/XX/XXXX but received no response ( Appendix C ). We followed up again with the leasing office on XX/XX/XXXX as XXXX rent was soon due, but again received no response ( Appendix D ). My family and I ended up moving out before the end of XXXX.
On XX/XX/XXXX, I received a call from XXXX XXXX from the leasing office, claiming that our lease had expired on XX/XX/XXXX and that we needed to return our keys ASAP. I drove over to the leasing office and confirmed with Mr. XXXX that our move out date was XX/XX/XXXX instead of the originally agreed XX/XX/XXXX. There had been prior incidents of miscommunication where members of the management team possessed incorrect/conflicting information ( Appendix E & F for example, where I was double charged for the same utility twice and meter reading for gas was misidentified ), so I confirmed with Mr. XXXX whether the system showed the most up-to-date information. Mr. XXXX confirmed again and said the system indicated our lease had expired and we needed to return our keys. I returned the keys and parking passes on the spot and Mr. XXXX signed off on the move out document ( Appendix G ) confirming the move out date as XX/XX/XXXX. Before I left, I asked Mr. XXXX if my account was all settled. He confirmed and said I should get my deposit back in 2-4 weeks.
On XX/XX/XXXX, I received a Statement of Security Deposit Accounts ( Appendix H, postmarked XXXX ) showing the move out date as XX/XX/XXXX and indicating that I owed half of XXXX rent and full utility charges for XXXX despite confirming the move out date as XX/XX/XXXX and returning the keys/parking passes on XX/XX/XXXX. I called the leasing office on the same day, but the phone number included in the statement was incorrect to begin with. Thankfully, I found the correct number on my cellphone call history. Mr. XXXX happened to be the person picking up my call. During the call, Mr. XXXX confirmed that he recalled receiving my keys/parking passes and signing the document. He confirmed again that the system did in fact show XX/XX/XXXX as our move out date, and was not able to explain the discrepancy. He said he would reach out to his manager ( XXXX XXXX ) and call me back. He called me back and said that his manager claimed my move out date was XX/XX/XXXX ( referring to our prior email communication ) and the system erroneously put in the wrong date of XX/XX/XXXX. I asked him to justify the conflicting information between what the system showed and what the manager said and questioned why I should pay for the additional charges when I already returned the keys on XX/XX/XXXX after confirming multiple times with the leasing office. I explained that the most recent communication from the leasing office was that my lease ended on XX/XX/XXXX, and I did my due diligence by confirming the date/information multiple times. As a result, the new date ( XX/XX/XXXX ) needed to be honored. Mr. XXXX was unable to provide a response, and said he would escalate the issue to his manager, Mr. XXXX, so he would reach out to me instead. I sent a follow up email later that night recapping my concern and including the signed move out document. I also asked for some additional clarification of the charges ( Appendix I ), but never received any response or call back.
On XX/XX/XXXX, I received a letter in the mail ( Appendix J, dated XX/XX/XXXX ) indicating the disputed amount was sent to the collection agency on XX/XX/XXXX. I was disappointed that the leasing office did not respond to any of my questions and concerns and felt that they were not acting on good faith by avoiding communication and sending the amount to collection. Weve gone above and beyond to attempt to resolve this issue amicably ; however, as of today, the leasing office showed no signs of willingness to communicate with us.
|
| 08/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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THIS COMPANY CAN NOT AND HAS NOT produced me my original bill from the original creditor they purchased my debt from and because of that they must to cease all collection efforts and remove this account from my credit report. REMEMBER I AM REQUESTING VALIDATION, NOT VERIFICATION!! This COMPLAINT is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.
|
| 07/01/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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I learned of an apartment lease debt collection through an alert received in XX/XX/XXXX, after the account was already entered on my XXXX, XXXX, and XXXX credit reports.
I never received notification from a collections agency or the creditor ( XXXX XXXX XXXX ) that the account was actually turned over to collection. This is an issue because I was actually waiting for the property management company, XXXX XXXX XXXX XXXX , to notify me that they had re-rented my previous apartment that I occupied since XX/XX/XXXX, and never had a late rent payment, not one. My last communication with them was XX/XX/XXXX.
On XX/XX/XXXX, I purchased a new home and have documentation, which I will attach, that shows I communicated with the property manager from XX/XX/XXXX, prior to my purchase of the home, through XX/XX/XXXX about steps I would need to take to properly vacate the property. I also informed them that I chose the time frame that I did, prior to the end of my leasing period, because my son and his family were returning home from Hawaii after serving on XXXX XXXX in the XXXX XXXX. My son lived in the apartment with me prior to his enlistment in the military.
Unfortunately, the NEW property manager didn't care about my communications with the previous property manager. In attached emails, he mocked me for being an excellent tenant. After some back and forth between him and I, the new property manager suggested that I could " skip '' on the lease, turn in all of my keys and other property, and it would be cheaper with anticipation that the apartment would be re-rented fairly quickly, and they could not charge rent for more than one tenant occupying the apartment. The property manager failed to notify me when the apartment had been re-rented, and what the adjusted fees would be that I owed.
The property manager was made aware that I could not provide 60 days notice and pay the two months rent up front to terminate my lease agreement because it would affect the purchase of my new home and he refused to assist by stating he had no discretion to accommodate me, which was a false statement. The lease stated that the property manager had discretion in changing the lease requirements when it pertained to vacating the property.
The lease does not end until XX/XX/XXXX, yet the account was sent to a collections agency, according to my credit reports, in XXXX or XX/XX/XXXX. No further communication from the property manager took place regarding an adjusted payment for remaining rent due.
I have attached documentation that shows I attempted to pay the portion of the debt balance that I owed in XX/XX/XXXX, which included the full month 's rent of XX/XX/XXXX, even after I vacated the apartment, and I was open to paying additional payments due me until the apartment had been re-rented, but the management company 's website was set up not to receive partial payments and instead of the property manager advising that it would be accepted pending rental of the apartment, he requested I make payment arrangements for more than {$8300.00}, which I had no intention to do. Why would I pay up a full lease and he already told me you can only accept rent from one tenant?
According to Texas Property Code 91.006, " the landlord has a duty to mitigate damages if a tenant abandons the leased premises ... A provision of a lease that purports to waive a right or to exempt a landlord from a liability or duty under this section is void. '' I have not missed or had a late payment for any accounts, including my rent to this property manager, in more than 25 years. I have worked really hard to build and maintain my credit rating and scoring. It was totally dishonest, unprofessional, and predatory for this property management company to send this account to a collections agency without notifying me of the re-rental of this apartment. I was willing to pay what I owed but I was not going to pay up a lease and this property management company, purposely and unlawfully attempt to collect debts from multiple tenants for the same apartment. I intend to ensure that future tenants of this property management company are made aware of what this management company stands for.
Thank you for your time
|
| 06/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I received a phone call received on XXXX which involved a representative of IQ Data International alleging I owed a debt involving XXXX XXXX XXXX due to alleged damages. Shortly thereafter I sent a debt validation letter ( attached as Debt Validation Letter.docx ) on XXXX registered return receipt. I asked them the following to validate the debt.
" The name and address of the original creditor, the account number, and the amount owed.
Verification that there is a valid basis for claiming I am required to pay the current amount owed, including, but not limited to, an itemized receipt of the alleged damages by the landlord in a written statement delivered by mail to be by return receipt requested as outlined in Oklahoma Statute Title 41-115 B.
Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent.
Please also note whether this debt is within the statute of limitations and how that was determined.
Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. '' I then received a response on XXXX ( attached as IQ Data Wrong Lease.pdf, IQ Data 1st Letter.pdf ), which failed to validate the debt in multiple ways. I then sent a response letter on XX/XX/XXXX ( attached as Debt Validation Response.docx ) to alert the company of the problem and to let them know I was further disputing the debt. I have not received a second response. The issues are listed below.
" The XX/XX/XXXX letter did not provide proof that by paying IQ Data International, that the alleged debt would be considered settled. The letter claims that I need to remit the balance, but does not provide instructions on how to pay or how to send the funds to settle the alleged debt.
The XX/XX/XXXX letter did not include whether you are licensed in my state and did not provide the date of the license, name on the license, license number, and the name, address and telephone number of the state agency issuing the license. Additionally if you are contacting me from outside my state, provide the licensing information from your state as well.
A rental agreement was included with the XX/XX/XXXX letter. This rental agreement has nothing to do with me. It has the names " XXXX XXXX + XXXX XXXX '' and XXXX XXXX, neither of which are me or anyone I associate with. It also has the address of XXXX XXXX XXXX, which is an address that I have never stayed at. It also has the dates of XXXX and XXXX, which are not dates associated with XXXX XXXX XXXX. Oklahoma State Statutes Title 41-115 states the landlord must include the rental agreement along with the itemized receipt, and that is not my rental agreement. A copy of the rental agreement you sent me has been included in this letter.
The itemized receipt included in the XX/XX/XXXX letter claims a charge of {$930.00} due to " failure to notify. '' Yet provides no proof or details as to what this " failure to notify '' is. Nor does it explain why I am responsible for paying for the charge.
Additionally the itemized receipts state Charges For Cleaning Needed - XXXX and Insufficient Notice Penalty Charges - XXXX. I am not XXXX and an explanation is needed for why these charges are being claimed against me.
The XX/XX/XXXX letter also did not include detailed explanation of any interest added, the legal authorization for this interest, or the date the original creditor claims this debt became delinquent.
The XX/XX/XXXX letter also did not include whether the debt was within the statute of limitations and how that was determined. '' I noticed on XX/XX/XXXX that they reported the debt to my Credit Report on XX/XX/XXXX. I am working with XXXX, XXXX XXXX, and XXXX to dispute this debt.
|
| 02/08/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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Was contacted around XXXX by XXXX XXXX and XXXX XXXX regrading a debt. I inforned this fraudulent placed debt and asked to speak with company owner or compliance officer. I was given the run around. Company department of XXXX XXXX XX/XX/XXXX they send letter to my current landlord about false debt. Landlord informs me and forwards accounting ledger of debt. XX/XX/XXXX get letter forwarded and contact XXXX XXXX multiple time and finally speak with XXXX XXXX notify the 3rd time this all fabricated probably to commit tax fraud and wanted submit emails and proof this false debt. I informed XXXX XXXX and XXXX XXXX this is illegal and please stop trying to extrot money to pay or threathen my credit. They said submit my proof. Proof submitted to XXXX XXXX Compliance officer for XXXX but emails are never opened.
XXXX XXXX they publish a false report of debt and my credit goes from XXXX to below XXXX. I contact them and they are claiming it was system mistake and think it is laughing matter. I find out the company is dufferent department of my insurance XXXX. I also had for the property they claimed was damaged XXXX mo the earlier. I notify them my Insurance for tha propert is XXXX. At this point I'm not sure what racket they are pulling on IRS but it was clear they were breaking XXXX XXXX to extort consuners and shareholders. From XXXX After they knew they showed neglect I called dozens of times to ask to speak with company officer or compliance team as this deliberate fraud and extortion. In good faith as a shareholder of XXXX felt this was something which was regulated. XXXX XXXX directed the fault on compliance team and a person named XXXX XXXX for not reading emails sent of proof. Attempt to contact XXXX XXXX and XXXX XXXX XXXX training manager answer as if runs the department. I tell him of deliberate fraud of debt and negilgence of XXXX as lublic company and to extort thier own customer and shareholder for false debt is unheard off. He says on recorder line " I don't care for federal laws, XXXX whatever, or your a shareholder '' snaps and scream slanders my name and flat out rude. Reviews published from consumers stating the same.
XXXX company officers are aware of this matter including XXXX XXXX and XXXX XXXX and neglect to address customer and shareholder trying bring to light bad seeds effecting consumers and poorly reflecting on brand. It seems XXXX is well aware of and it is company culture to deceive, lie, and neglect federal amd state statutes in place to protect consumers. Logically the claim of debt was fabricated right before end of year to close out books and sure it raise questions for deceptive accounting. Furthermore if XXXX was insurance on file and they are also trying collect a false debt and collect on thier own policy I found borderline a racket. I filed complaint with XXXX on XXXX for not returning calls regrading " propert damage '' and feel when realized they would filing policy on themselves the adjustor claimed he could not file any policy on file for me which XXXX stated was on file and gave me policy number. I do not shenanigans this company XXXX does across all its department or am forensic accounting, my brief education in Accounting and business law seems they are not following any laws regarding training of employees, knowledge of federal and state statutes, and showed gross negilgence from account rep XXXX XXXX, to thier compliance team led by XXXX XXXX or company officers who were notified. The property manager superiors and corporate compliance officer for XXXX and XXXX already reached out to me immediately to come solution and make sure employees are investigated as they take fraud seriously and aplogized this matter went this far. XXXX compliance officer not once has made attempt to see what going on as XXXX her employee stated he did not look at email and feel he of negilgence in this matter. After seeing this company has integrity issues company wide I sent a demand letter for defamation and violation of XXXX act. The still have returned requested call back from any company officers or senior team to address fraud on shareholder and customer being handled by thier own companies indifferent department
|
| 10/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
Servicemember |
|
On XXXX XX/XX/XXXX at approximately XXXX I called XXXX XXXX XXXX was connected to the agent by the name of XXXX XXXX XXXX I called to get more information on the debt in hopes to start planning to pay the debt without putting myself in a financial hardship as I have a family XXXX kids and a spouse to provide for which I had informed XXXX XXXX XXXX I simply called in hopes to get my questions answered such as the following : - How much the debt was for originally?
- Where the {$840.00} payment I made ( XX/XX/XXXX ) went to? ( Because the debt should have gone down to XXXX but when I called was at XXXX telling me I have accumulated {$790.00} in interest ) - What the options were in regards of planned payment arrangements to schedule in advance to keep me from being in a financial hard ship?
as i proceeded to ask those questions XXXX XXXX began to say he would talk to the supervisor about seeing my options because I " Help our country so he was going to help me '' and then begun to say, " how he apologizes for his voice as he was losing it due to being sick '' and i said " no worries '' came back to the phone after keeping me on hold and offered the options for plans of action and said they could do a settlement for {$3900.00} but that would need to be paid in full by Friday XX/XX/XXXX and or option two being to make payments which he informed myself of getting me approved for but needed to pay the full balance and in completion of that getting a credit deletion on my credit report I chose option two because I want to get this deleted off my credit report. Additionally, I begun to tell him I would call him back about payments that I felt would be the best fit to start and he begun to be abrasive in his Choice of words such as tell me about what loans I could apply for to get out of just this debt and how I could borrow the money from companies such as " upstart, XXXX XXXX ( high interest companies to avoid as an XXXX XXXX member ), and loan options from XXXX XXXX credit XXXX. '' and in response to that I had told him I did not feel confrontable getting a loan for debt that would just add more debt on top and that was not a smart financial move. XXXX XXXX then began to ask me " did I even know what upstart was? '' and i informed him I was very aware with what upstart was but was not going to pursue adding another debt just to pay a debt, close to the end of the phone call i then told him " I would be calling them back to with more info on when i could start making payments '' and XXXX XXXX got very demanding on the phone and telling me about how they had been trying to reach me and made multiple attempts to call and got no response in regards to this debt and I then begun to tell him " I apologize but I had a lot of stuff going on but I am trying to get this debt under control because I know it is very important for my credit to get this resolved '' and then XXXX XXXX the said " Even a {$60.00} payment could help hold me over for a couple of days until Friday '' and I told him " I didn't even have that and that I would call back when I did and that I didn't have my card on me anyways '' XXXX XXXX then proceeded to say " what kind of a women doesn't carry her debt card around with her or in her purse, I'm sure you have it saved somewhere in your phone I will sit on hold until you go get it but you NEED to make a payment today '' I then said " I would not be making a payment today and would be calling you back soon '' and then I asked for his name due to the very rude tone and choice of words in the business call to then write this complaint.
In conclusion XXXX XXXX was very demanding, very rude, and used poor choice of words that very much so offended me to ending the call. I hope to see this situation not happen again the future as this is not first time, I have encountered a rude representative at this business establishment, I had received similar behavior from a representative by the name of XXXX XXXX but gave the benefit of the doubt for and forgave and forget but would not forgive and forget if this happened again. Thank you for your time and I hope to hear from you soon.
Very Respectfully, XXXX XXXX ( XXXX ) XXXX ( Cell )
|
| 06/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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I moved out of my apartment in XX/XX/XXXX. The apartments I lived in were called XXXX XXXX in XXXX, TX. When I moved into the apartment in XXXX XXXX, I was told my carpet was brand new. I had multiple issues with the apartment that requires continuous maintenance, including leaks in the ceiling. I expressed these concerns to the management many times because I had children with me, including a XXXX. I paid all security deposits for my dog being in the apartment, including a monthly pet fee.
When I moved out, I cleaned the apartment thoroughly and took pictures. I had given management my notice of intent to move out when my lease ended, which included a section to put a forwarding address. I wrote down my new home address I was moving to. I paid all remaining balances before moving out and closed out all accounts for electric and internet.
Several weeks went by after I moved out and I received no mail at my residence staying I owed anything to XXXX XXXX I received no phone calls from XXXX XXXX. I even called them because I needed to see if I still had any mail at my old mailbox. They said they couldnt look for me but any mail should be forwarded to my new address. At that time they didnt mention anything about any amount owed and they had looked up my account and everything.
I still didnt get the mail I needed so I drove up there and asked if they had any mail holding for me. Again, they said no. They did not mention any debt and again, they had looked up my account. I made sure they had my forwarding address and they said no, they didnt have it. I told them I had written it down on my intent to move out form and they asked me to give it to them again.
A month after moving out, after receiving zero correspondence from them ( even though I called up there a few times to try to get my mail and even went up there once in person after moving out ) I got a random collections letter for over {$760.00} from a collections agency at my new address. This means they sent some random amount straight to collections without even trying to reach out to me the few times Id called. I received no letters informing me of this obligation, nor any pictures or evidence Of why I owed this debt.
I called up there and the property manager said it was mostly for carpet being replaced and {$43.00} for last months water bill. She claims there were pet stains under the carpet and I told her no, anytime ( maybe once or twice in a year ) that my dog had a little accident, I immediately grabbed my {$350.00} carpet washer and cleaned the area throughly. I told her why should I have to pay almost a full months rent to replace some cheap carpet. She said the carpet is supposed to last 3-4 years. Not only that. She flat out lied because she said they ripped up the carpet and found stains underneath ... why would they rip up the carpet unless they had intentions of completely replacing the carpet? There were no stains showing when I moved out ( I took tons of pictures ). So even if they found stains, why wouldnt they just clean the carpets like they are supposed to before a new tenant moves in? Why would you go in and start ripping carpet up?
Tenants live normal lives and normal wear and tear happens. If I go buy a {$350.00} carpet washer and immediately clean the area and it still soaks through, they should put better quality carpet in the units. What about those of us who have kids? Are we expected to keep Cheaply made carpet immaculate XXXX?
I asked for proof with pictures and she wouldnt supply any. She got very rude on the phone. I disputed the debt with my credit agencies and they finally came back and said the debt collection agency disputed my dispute.
I called the debt collection agency-IQ international-and they were extremely rude and unprofessional. They completely took the side of my apartment complex and refused to offer any sort of validity to the debt. They refused to send proof with pictures or statements or anything. I told them I refused to pay a fraudulent debt and they threatened me by saying Id i didnt pay, It would just keep making my credit worse and I would accumulate fees.
|
| 11/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I submitted a complaint against IQ Data International on XX/XX/XXXX and XX/XX/XXXX for violating federal law in regards to collecting debt and reporting nonpublic personal information to credit reporting agencies, specifically 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. They assert that they sent me an initial notice they deemed to be delivered however this is irrelevant to the issue at hand. 16 CFR 313.7 clearly states " ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. '' It also goes on to explain what a reasonable opt out looks like " ( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form that includes the address to which the form should be mailed ; or ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out. '' It also states what unreasonable opt out is '' ( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice. '' I have attached a notice from IQ Data international that clearly shows they have provided me the consumer with an unreasonable means to exercise my right to opt out of them reporting my nonpublic personal information. 16 CFR 313.7 also states '' ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. '' I am exercising my right as a consumer to opt out of my nonpublic personal information being reported to any consumer reporting agencies. I will attach my previous complaints as evidence as well. I made this complaint to further clarify my complaint made on the 4th as I know this company will use as many deceptive practices as it can to collect on this debt. I have provided adequate evidence that they clearly violated consumer law and written evidence that exercise my right to opt out of this information being reported. XXXX and XXXX refused to remove the account as well at my instruction so they are listed in this complaint as well. XXXX has already deleted the fraudulent account which constitutes an error in reporting via 15 USC 1681e subsection b for XXXX and XXXX who aren't maintaining reasonable procedures to insure the accuracy of my consumer report. Also as per 15 USC 1681b a consumer reporting agency may only furnish information to a consumer report '' ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I gave no such instruction to XXXX or XXXX. I am instructing them to remove the account as well. 15 USC is also known as the Fair Credit Reporting Act this a clear violation of its provisions on behalf of these companies. All 3 of these companies have violated my rights and caused me harm as a consumer and I have provided evidence.
The account I am speaking of is XXXX XXXX XXXX CO through IQ DATA INTERNATIONAL Account Opened : XX/XX/XXXX Account # XXXX
|
| 03/30/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I XXXX XXXX the federally and state protected consumer pursuant to 15 U.S. Code 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. In Fact Pursuant 18 U.S. Code 8 I the natural person I am not obligated by federal law to pay a debt. I.Q. DATA INTERNATIONAL , INC. are in violation of my consumer rights pursuant to 15 U.S. Code Fair Debt Collection Practices Act ( FDCPA ), The Gramm-Leach-Bliley Act ( GLBA ),. Fact I.Q. DATA INTERNATIONAL , INC. has violated Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.Code 1692b Acquisition of location information by acquiring my place of abode and not contacting me the consumer before. Fact DEBT COLLECTOR Violated Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.Code 1692c Communication in connection with debt collection ( a ) Communication with the consumer generally ; Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. Fact I.Q. DATA INTERNATIONAL , INC. Fact Violated Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.Code 1692d ( 1 ) Harassment or abuse ; The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. ( 4 ) The advertisement for sale of any debt to coerce payment of the debt. Fact I.Q. DATA INTERNATIONAL , INC. are in violation of Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692e False or misleading representations ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. Fact I.Q. DATA INTERNATIONAL , INC. In violation of Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section Fair Debt Collection Practices Act ( FDCPA ). I've received a validation of debt letter on XX/XX/2022 and the account was reported before the end of the 30 days violating my consumer rights because it was reported on XX/XX/2022. Pursuant to 15 USC 1692k of this title for failure to comply with a provision of this subchapter. Fact I.Q. DATA INTERNATIONAL , INC. are liable for {$1000.00} per Violation that has been violated in this Act Pursuant to Fair Debt Collection Practices Act ( FDCPA ) 1692k ( a ) ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.
|
| 10/16/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American |
|
Was trying to refinance my home was told I had an account in collections on my credit report. First I heard and looked didn't recognize the collection company I Q Data or the company they were working for XXXX XXXX. This was XX/XX/XXXX. I then called the collections agency to find out about this supposed debt of {$7600.00} that I had no idea of what it was and tried to explain to the man that this was not my debt and I had never received any documentation about this. The man started yelling at me and verbally threatening me I hung up and on XXXX XXXX XXXX received a letter in my name stating unless I wrote and disputed the interest would keep adding up. By this time the original amount had increased to {$7700.00}. I sent a registered letter to the collections company letting them know this was not my debt!. I had found the number of the XXXX and their parent company XXXX back in XX/XX/XXXX when I found out about this debt I called XXXX, XXXX to the XXXX and XXXX, I was hung up.on told they would put in another request to tenant relations to find out why I had this in my credit. It turns out when my daughter and son in law didn't want to renew their lease because the new company was raising the rent way too much and no upgrades had been done on their unit, they gave their notice. They were 2 weeks late in moving out. Ok at least I think I know where they got my info. I have written to both XXXX and the XXXX many times to show that this is my debt. Nothing received from either but I was told I should have signed a roommate re! ease. I explained I had never lived in their complex. To this date they have not sent anything to show this is my debt which it is not. I have disputed with the credit agency 's XXXX, XXXX and XXXX the the address was one I lived at and it was removed. I have tried and tried to get something anything to show this debt is mine which it is not. But I am getting nowhere.not it is affecting my credit while trying to refinance the home I have lived in since XXXX. It turns out they say I was on my daughter and soninlaws lease the second year they lived thereXXXX to XXXX. I was not on that lease. After their first year lease XXXX to XXXX they signed a new lease on their own. I went into the complex office and requested not to do the second year lease since there was no Problem during that year, and they both were working and the office agreed and there was a new lease signed. It should have been done but there was no indication that this would still be a problem. They have never sent any paperwork showing this is my debt which I know they don't have. I believe the amount they are trying to collect from my daughter is wrong also and I have been trying to get this corrected also. After giving their notice that they would not renew the lease due to rent being raised way too much, they were harassed and harranged until they moved in XX/XX/XXXX. They also got no notice about this debt. I believe this company is trying to get my daughter for upgrades that were never done in my daughter 's unit. I believe they owe 2 weeks extra rent but since I have received nothing else from this company or the actual comp! ex I can not say. What I can say again this is not my debt!!!! The collection company finally sent and I received on XXXX XXXX XXXX a paper they say shows it is my debt ... the original lease from XXXX. Where is the lease that my daughter and her husband signed in XXXX. And btw I never signed anything electronically I signed in person by hand. There was no Problem from XXXX to XXXX. Nor from the beginning of the new lease which I was not on until they decided to not renew in XXXX. I did get to! d at some point that I should have signed a roommate release which I never was a roomate. Their numbers don't add up nor do the dates on the document. Whatever charges my daughter and her husband owe came after they moved out and to date have not been explained what it is for.
|
| 11/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I moved out of XXXX XXXX XXXX on XX/XX/XXXX of XXXX, I handed my keys directly into the hands of the XXXX. One of the managers went to inspect the property, she was pleased and said our deposit would be returned. I never received my deposit of {$300.00}, and never received any calls or emails from XXXX XXXX XXXX after move out.
In XXXX of XXXX I received notice from my old roommate XXXX, that XXXX XXXX XXXX Apartments had taken action upon her via a debt collector. The company is IQ Data International, Located in XXXX, Washington. XXXX was a roommate who did not live with me when I moved out of the apartment. They had incorrect information. XXXX was able to get this removed from her credit report.
Within a month the debt collector had removed this off of her credit report and filed against me. I went in person to XXXX XXXX to speak with management. The management had since changed, there were completely different employees than when I lived there. The complex located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL, said they had their hands tied and that this was filed by the previous manager In XXXX of last year. The new management handed me an itemized list that included all charges she filed with the collection agency on XX/XX/XXXX. The old manager claimed I never paid my last months rent, that I never paid a pet deposit ( I don't have any animals ), and charged me for replacement of the rugs in the apartment. I was shocked with all the charges, since upon move out we were told everything was in good condition and we would be rewarded our deposit back. I am a XXXX XXXX XXXX and at the time was working full time.
I contacted IQ Data international over the phone on XX/XX/XXXX. I spoke with a woman at first who was very kind, I explained my situation and she said they would be able to set up a payment plan, she transferred me to my case manager. He offered to reduce the price, I would only have to pay {$670.00} today and they would contact XXXX XXXX, and make sure I didn't need to pay anything else. There was a chance I would still have to pay the rest of the money later on.The total amount that IQ Data International was collecting for was {$2600.00} cents.
I am only responsible for paying trash service fees and final water and final electric which totaled to {$100.00}. XXXX XXXX still has a {$300.00} deposit from me, which easily covers those costs. The remainder amount would be owed to me totaling {$190.00}.
I explained I could not afford to pay a lump sum of {$670.00} today. This man explicitly stated that payment needed to be completed in full that day, if I did not pay them they would take action against my credit score, and it would still take 7 years for it to be removed from my credit report. I explained that I could not afford to pay {$670.00} today. I told him that I would send over an email of bank statements that prove I did not owe anything more to XXXX XXXX.
I asked if after speaking to XXXX XXXX and upon receiving my email if he would offer me a payment plan. He refused a payment plan, then began to interrogate me about my finances and bills I pay each month. Through the call he became more aggressive and rude towards me and angry that I would not pay right then and there. I became frustrated and hung up the phone, there was no reasoning with this man at all. I proceeded to send IQ Data Inc an email on XXXX XXXX with proof of my rent payment for XXXX of XXXX along with videos and photos of the apartments condition when we left. I followed up with another email again on XX/XX/XXXX and I have yet to receive any response back. XXXX XXXX international has submitted their collection claim on my credit report, I have disputed it twice. It was removed once from my credit report and they have opened it again as of XX/XX/XXXX. As of today XX/XX/XXXX it has been removed from my credit report again and I assume XXXX XXXX will try to file again.
|
| 03/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX at XXXX XXXX apartments advised I.Q. Data International , XXXX collection company that we neglected to pay our bill. This is not accurate.
Basic facts are listed below.
XXXX XXXX XXXX XXXX gave us the clearance to move out XX/XX/XXXX. The extenuating circumstances includes : o XXXX XXXX had the urgency of remodeling the apartment o Our neighbor shot another while I was a few feet away, opposite a shared wall o XXXX XXXX had not approved us to renew in a timely manner On XX/XX/XXXX, the attached email confirms the agreement of final rent amount of {$250.00} for separate days rent between our lease ending date and time of move out. She declined payment of this amount because our initial deposit included {$400.00} plus a pre-payment of {$100.00} to anticipate water/sewer expenses. She told us this was more than enough funds for rent.
We moved out on XX/XX/XXXX and returned the first business day to complete our financial transactions. On the Monday after we moved out : o We released our property keys to XXXX XXXX on XX/XX/XXXX in person.
o XXXX again did not accept any check to pre-pay water bill and {$250.00} anticipated rent.
o Water/trash charges had not posted for our last month of residency and will take two more month to get the correct bill by XXXX.
o XXXX said to wait two months before expecting a final bill or credit mailed to us.
o We fill out a requested document for key release and provided a forwarding address in order to send us the incoming bills My household came also on XX/XX/XXXX, ready to pay again but no bill nor any payment detail was presented. Instead the household asked to tour together the apartment and was told it was left in perfect condition -- clean and without damages. XXXX XXXX told also it would be remodeled in that same week. Again, we completed a form with our forwarding address.
XXXX confirmed over a phone call on XX/XX/XXXX, that she sold our account to collection. She offered no path to resolution for her errors nor provided any written, itemized record of the account. Written itemization was requested this date.
As of XX/XX/XXXX, my household received no calls, emails nor postal mail between XXXX - XXXX XXXX of XXXX when I initiated resolution with XXXX upon receipt of collection notice.
We dispute validity of any negative report to our credit and deny the responsibility of additional rent or collection fees. We request this statement of dispute be placed into our credit report account files. We request resolution assistance with the accusing party.
In the meanwhile we are honoring the payment of the amount written by direct bank wiring, waiting for XXXX to follow with all deposit and payment statement happened during our whole staying ( XX/XX/XXXX to XX/XX/XXXX ).
Because we were asked to leave by the beginning of the year we dispute also to XXXX the last 30 days charged and will be responsible only for the extra {$250.00} plus associated water/sewer costs, as asked by XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX email ( attached ).
Thats why we expect from XXXX a refund of extra payment charged.
If the credit is not fully restored and the extra amount payed to XXXX is not refund by XX/XX/XXXX, we will assume we have to defend our right at different court levels as we have to turn XXXX XXXX accountable for her decisions and actions against our household.
XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXXXXXX Attached email communication : XXXX XXXX XXXX Mon, XX/XX/XXXX at XXXX PM XXXX : XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX, Glad we talked today. Now, I feel better about the move-out process and appreciate the offered flexibility for a few extra days too.
In order to make the process fully comfortable for us and you, we will leave the apartment on XX/XX/XXXX. Hoping this also fits into your needs.
Sincerely, XXXX XXXX XXXX XXXX XXXX, prior tenants to XXXX XXXX # XXXX
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| 02/10/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I tried to dispute this charge from XXXX XXXX for months now since I dont owe any debt. Ive given them a dispute letter below : The XXXX XXXX Apartments claimed I owe {$1500.00}. I am disputing this debt because I was wrongly charged a bill that does not represent the state of the apartment, my monthly rental payments, or any other agreed upon expenditures within the lease agreement. The lease agreement specified that I was not to owe them a security deposit upon moving in. My statements reflect that the rental payments I owed to XXXX XXXX have been paid in full and on time. The apartment was in good state when I departed, I recorded a video of the apartment room as evidence to show that the rooms were undamaged and did not require repairs at the end of my lease. I gave them more than 60 days notice that I was moving out and would not be renewing my lease or staying any longer than the specified terms of the agreement, my keys were given back on XX/XX/XXXX. Prior to moving out, nobody came to inspect the room from XXXX XXXX. I was never informed of any damages to the apartment, any terms that had been breached or an extension to the lease agreements duration. This is the first time I have received news that I supposedly owed XXXX XXXX for charges they have yet to explain to me. When I received this list of charges I had already moved out and paid my final monthly payment of rent. The itemized list of charges I owe also do not align with what I was paying for previously. The Rental Income charge issued in their letter to me is not the same amount I was paying for rent at the time, their charge was {$780.00}, my agreed rental payment was {$840.00} per month previously. Furthermore, the total balance due at the end of the letter sent to me by XXXX XXXX does not mathematically add up to their itemized charges. The list of charges comes to {$1100.00} while the letters Due Property listing claims that list of charges equates to {$1500.00}. I have contacted XXXX XXXX multiple times including visiting in person at their offices and have not received any form of reasoning as to why they believe I owe them {$1500.00}, or even {$1100.00}. I have attached all related documents and correspondence, including rental payment confirmations, the original lease agreement with highlighted sections including the lack of security deposit, proof of my notice to them that I would be leaving, receipt of their acknowledgement of the return of the keys from XX/XX/XXXX. With couple if weeks later, they sent out a letter saying I still owe the money without any real reasons as to why. Ive been in contact with XXXX XXXX and theyve in writing forenamed that I dont owe anything. They sent me a ledger and an email stating that I dont incur debt. With that, Ive sent all my evidence to XXXX. Data last month and have not heard from them. The interest for this debt is still going up and nothing is being resolved. They are unprofessional and is a scam. They have charged me for an additional months rent with hidden fees that I have never seen before. I have contacted them many times and have not had any luck until recently, which they stated I have not owed any money. I have tried to dispute this through their collection agency, I.Q. Data International, and had no luck. These are my evidence about my complaint that I just put through. This email is stating that I do not owe any money. Attached to this file is a ledger showing all my monthly payments in a timely manner and that I clearly did not owe any money once I moved out. I have complained to the Attorney General and they said they could not get ahold of XXXX XXXX XXXX I have also complained about this to CFPB and got a letter back from I.Q. Data Inc. that they would dispute it for now. Why is interest still occurring when they said they would dispute it?
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| 01/19/2022 |
Yes |
- Debt collection
- Mortgage debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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I previously rented a property in XXXX IL XXXX through XXXX XXXX and moved into the property on XX/XX/XXXX. Upon move in we were told by property management one parking space is included with rent. While living on the property we never paid any parking fees or was told to purchase any parking sticker. While on the property we incurred many maintenance issues that became unresolved with XXXX XXXX. In XXXX of XXXX I received an email that XXXX XXXXe would now be taken over by XXXX XXXX XXXX XXXX. I forwarded the many maintenance issues over to XXXX XXXX which for the duration of the stay on the property still had not been resolved. In XXXX of XXXX my car was towed from the property in which I incurred towing costs to retrieve it. I had never been notified of any parking changes. After complaining about this issue to XXXX XXXX I was given the contact info for the HOA which had never been provided to us against our many requests at the initial move in. After speaking with the attorney for the HOA XXXX XXXX I was advised by her to stop paying rent to XXXX XXXX XXXX and she made accusations of them not being legitimate. XXXX XXXX claimed to have contacted XXXX XXXX regarding the new parking changes which required tenants to purchase a sticker to be able to utilize the property parking. XXXX XXXX XXXX claimed to have never received anything nor did they provided us with any information. XXXX XXXX XXXX refused to refund the cost of towing expenses. Because of this I became frustrated with the lack of competency from unresolved maintenance issues to the matter of the parking and towing issue and decided best to terminate the lease early. I was advised by XXXX XXXX that I could make a formal complaint against XXXX XXXX on XXXX website which I did. Shortly after I was contacted by the XXXX XXXX XXXX lawyer XXXX XXXX to negotiate an agreement in which I would be able to terminate my lease early if I had removed my complaint from the website. The time frame given was unreasonable due to the fact that I had just had a baby and dealing with XXXX issues and wanted to take care in finding something that wouldnt give us a hassle the way XXXX XXXX had. XXXX XXXX was unwilling to accept the terms of me not paying any rent going forward and moving out of the property once proper housing had been found for my family and IXXXX XXXXXXXX XXXX had also falsely closed my utilities account with XXXX and peoples gas and had it transferred in their name to be able to bill us directly from their XXXX company. I had never authorized for this to happen. I vacated the premises on XX/XX/XXXX of XXXX and notified XXXX XXXX XXXX as well as their attorney XXXX XXXX. A forwarding address was never provided on my end and all contact which had been happening via email had ceased. Now my husband and I are receiving calls from a company IQ data international regarding a {$6000.00} debt from XXXX XXXX. They frequently call I or my husband refuse to provide any documentation regarding the debt and bully us over the phone. I would like this debt collection agency to stop harassing my husband and I until we see proof of this debt. XXXX XXXX XXXX who has our contacts never reached out regarding a debt or anything we owe and now several months later my husband and I are getting these harassing calls and its always the same person calling. I have made attempt to call and was put on hold to be connected to the same person who has called talking so aggressively. I asked to provide a forwarding address in which all debt documents could be sent and this person refused because I was not willing to fill out a hardship application over the phone. I need the harassment to stop. I have reached out to an attorney who provided me this website to complain because everything I explained to her sounded sketchy.
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| 03/14/2022 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XX/XX/2022 - notification through XXXX ; no notification received from credit agency ( IQ Data International ) ; called IQ Data, indicated the amount due to original debtor was in dispute and should not have been sent to collections. I notified that I wanted to dispute the account ; representative ( female ) told me that I couldn't dispute without proof. I asked what proof would be sufficient. Representative was rude, would not provide information on how to dispute and actually hung up on me. That same date, I contacted the original debtor again to correct the amount owed. She indicated she would need to go through the accounts, there was a transition between accounting systems and it's possible the amount was incorrect.
XX/XX/2022 - received confirmation from the original debtor that the amount was indeed correct, she was revising both accounts sitting with IQ Data International ; One account was reported as {$500.00} with XXXX XXXX ( this was paid in accordance with IQ Data 's Credit Deletion Process ). However, the second account was originally listed at {$270.00} for XXXX. XXXX representative ( XXXX XXXX ) indicated that she was sending an adjustment for a credit of {$160.00} ; revised statement listed total due for both accounts as {$610.00}, adjusted down from {$770.00}. XXXX XXXX ( XXXX ) emailed me a copy of the adjusted statement and stated it may take a few weeks. I also initiated the formal dispute process with IQ Data International to ensure the revised amount was processed timely. I received the Dispute instructions from IQ Data International via phone, since had not received that information from IQ Data International and mailed a formal dispute.
XX/XX/2022 - called to check the status of the account with IQ Data International. The amount owed to XXXX ( {$270.00} ) was adjusted to {$610.00} in addition to the {$500.00} owed to XXXX XXXX, rather than the {$160.00} credit being applied as indicated in the documentation from XXXX. Since IQ Data was holding two accounts, I agreed to pay the account not in dispute in exchange for credit deletion. When I inquired about the second account, IQ Data informed me that if I did not authorize payment for the full amount in their system, including the amount that was in error AND the amount in dispute, that I would not be eligible for credit deletion once the amount owed was resolved with the original debtor, and it would have negative impact on my credit report. The assured me that once the account was resolved they would refund the disputed amount. Additionally, I asked for a status update on my dispute that was submitted, showing as received by IQ Data International in their system on XX/XX/2022. They indicated that it was noted in the system, but there was no investigation on their end and they wouldn't do anything with it unless I could prove that the amount was wrong. I indicated that I had provided that information with my dispute and they indicated it didn't matter, they were relying solely on the information provided by the debtor. I called Fountainhead apartments back ; I visited with XXXX XXXX who called IQ Data directly to confirm that the amount owed should only be {$110.00}. XXXX spoke with XXXX ( IQ Data ) who confirmed that it would take 24-48 hours to process in the system. As indicated in my earlier call with IQ Data, I called back to make payment in the amount of {$110.00} ( undisputed amount ) and then authorize payment for the interest amount once the account was revised. IQ Data told me I could do this in exchange for credit deletion. However, in trying to do that, I've been hung up on twice, and have been on hold for 45 minutes. They are intentionally avoiding my call and will not take the revised payment amount from me, despite their recorded offering to do so.
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| 03/15/2022 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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This complaint is a electronic notice to the CFPB to inform them of the actions by IQ DATA INTERNATIONAL who is a debt collector pursuant to ( 15 USC 1692a ( 6 ) ) who has failed to comply with 15 USC 1692 and 15 USC 1681 is now civilly liable under 15 USC 1692k and 15 USC 1681n. pursuant to 12 CFR 1006.6 ( d ) ( 1 ). IQ DATA INTERNATIONAL must not communicate, in connection with the collection of any debt, with any person other than, myself the consumer, the creditor of said account and their lawyer and the debt collector 's lawyer. IQ DATA INTERNATIONAL failed to comply with the requirements under this regulation and is in violation by communicating with the third-party credit reporting agencies not permitted by law and without consent in connection with their attempt to collect an alleged debt. A collection account was furnished to my consumer report on XXXX XXXX, IQ DATA INTERNATIONAL is in violation of 15 U.S. Code 1692XXXX ( a ) by designing, compiling and furnishing a collection account to my consumer report that is being used to create false belief in I the consumer and that a person other than the creditor is participating in the collection of an attempt to collect a debt when in fact the creditor is not participating. IQ DATA INTERNATIONAL is in violation 15 U.S. Code 1692f ( 1 ) by using unfair and unconscionable means prohibited under this subchapter to attempt to collect an alleged debt that was not authorized by an agreement creating the alleged debt or permitted by law. I the affiant am aware that there was never an agreement made between myself and IQ DATA INTERNATIONAL that was authorized the creation of the alleged debt. IQ DATA INTERNATIONAL is in violation of 15 U.S. Code 1692d ( 1 ) by using XXXX and criminal means to harm my consumer reputation. They used means prohibited by this subchapter to communicate their attempt to collect an alleged debt to the third-party credit reporting agencies resulting in the furnishing of a collection account to my consumer report. I am aware that the furnishing of this negative account to my consumer report dropped my score and has harmed my reputation it is now harder for me to obtain credit because my credit worthiness and reputation is now harmed and this has caused me financial hardship due to the difficulty obtaining new credit and this is directly affecting interstate commerce. IQ DATA INTERNATIONAL is in violation of 15 U.S. Code 1692c ( b ) by failing to comply with the provisions in this subchapter, XXXX XXXX XXXX communicated with third parties such as XXXX in connection to their attempt to collect an alleged debt and told them that I alleged owed a debt which is prohibited by law pursuant to 15 U.S. Code 1692c ( b ). IQ DATA INTERNATIONAL is in violation of 15 U.S. Code 1681q by willfully and knowingly obtaining my location information from a consumer reporting agency under false pretenses and is now liable to be fined under Title 18 of the United States Code, imprisoned for not more than more than 2 years or both. IQ DATA INTERNATIONAL is in violation of 15 U.S. Code 1692e 2 ( a ) by using false, deceptive, misleading representation and means prohibited under this subchapter in connection with the collection of an alleged debt. IQ DATA INTERNATIONAL sent me a statement via the XXXX mails and email including the subject matter of an attempt to collect an alleged debt for file number XXXX. The amount, character and legal status of this alleged debt is falsely represented. The alleged {$2000.00} balance is shown in a positive balance, if a balance was in fact owed it would show in the negative. I have reason to believe and do believe that IQ DATA INTERNATIONAL is in violation of 18 U.S. Code 1341 by knowingly participating in fraud through the XXXX mail.
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| 02/17/2021 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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In XX/XX/2020, I had found a home that I had wanted to purchase for our family and we began the process of getting a home loan ( with the first-time homebuyers 0 % down payment ). In a routine background check the equity company ( XXXX ) had done, they pulled up an old judgement from 9 years ago ( it will be 10 years this XXXX ) that was put on my old roommate and myself for an eviction. I was then told by the first XXXX representative that the judgement did not matter, then another XXXX representative ( her name is XXXX ) had told me that it in fact does matter and it needed to be taken care of in order to go through with the purchase of the home. The first step I took was to contact the apartment complex that was involved, they informed me that they were no longer owned by the same residential group and they were now owned by XXXX, I contacted XXXX and they had no information regarding this eviction. I then speak to XXXX and she informed me that IQ Data International had taken the debt and I needed to speak with them about paying my portion of the debt off. I then contact XXXX XXXX of IQ Data International ( the representative in charge of the account ) and worked out a deal over the phone to pay {$4000.00} of the $ XXXX of the debt to have my name removed from the debt legally. I paid the {$4000.00} and after several phone calls to get information from XXXX about the status of my name being removed from the debt, he sends us a letter that states I had paid {$4000.00} and my name is to be removed from the debt. When this letter was presented to XXXX, we were told that the letter was not sufficient and a Satisfaction of Judgement needed to be filed in the court. At this point, XXXX has been hostile in attitude with us, and now, when confronted that this letter isnt sufficient, he tries to mislead me into thinking it will get done. When nothing was getting done ( the XXXX XXXX XXXX XXXX clerk website showed nothing was being filed ), both I and XXXX from XXXX attempt to contact XXXX multiple times on the matter, only to be told that it is going to happen, but it is the apartment complex who needs to file it. So I contacted the apartment complex and XXXX again on the matter, both which tell me they have no information and have not heard anything from IQ Data regarding collecting on the matter and will let me know if they do ( they never did ). I call IQ Data again, and let XXXX know that they havent heard from them. XXXX then became irate and brushed me off with that it will happen. At this point, we are approaching the deadline to have all of this process finished so we can purchase the home. When the date came, we paid the homeowner to extend the time for one month for us so we can get the matter settled. After 1 month, in XXXX, nothing was filed still and we lost out on the home, forcing us to sign a temporary lease until XXXX, XXXX comes, and we begin to look at homes again and see if anything was filed. In order to help us in this process, I contacted the Attorney Generals office who contacted IQ Data, but couldnt do anything beyond contacting them asking about the filing of the Satisfaction of Judgement, which we were not told about what they had said. Eventually, we found out that an Assignment of Judgement was filed by a XXXX XXXX ( whom is assumed to be representing IQ Data ) that assigns the collection of the judgement to IQ Data, but they did not file any Satisfaction of Judgement nor anything else regarding the fact that I had already paid them {$4000.00} to have my name removed from the debt. I need to find out what I can do to remove my name legally from the judgement that I already paid my agreed upon amount for, so I can have the ability to purchase a home for my family.
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| 09/26/2020 |
Yes |
- Debt collection
- Mortgage debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Servicemember |
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I moved out of XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, OK XXXX, on XX/XX/2020. On XX/XX/2020, I received a call from a IQ Data International debt collector stating that I owed over {$500.00} dollars and that they were collecting on behalf of XXXX XXXX XXXX. XXXX XXXX never once sent me a bill, or called to inform me of any balance owed. I contacted XXXX XXXX immediately after hearing from the debt collector to try and resolve the issue. I spoke with XXXX, and then XXXX XXXX. They told me that once I move out they are not allowed to contact me anymore and the procedure is to immediately sale the debt to a collector and from that point they dont deal with the debt anymore. They also stated that the debt came from me not shampooing the carpets before I moved out, so they were going to replace the carpets. I have pictures showing the carpet in good condition. It did need to be shampooed, however it was my belief that apartments are thoroughly cleaned and carpets shampooed on behalf of the property, before the next tenant moves in. The pictures that I have show the carpet in well enough condition that simply having them cleaned should have sufficed. XXXX XXXX kept my security deposit and then charged me an additional amount over {$500.00} to replace the carpets. I am not surprised by this at all because during my time their I watched several tenants move out and XXXX XXXX would replace the carpet in every apartment when someone moved out. A good friend of mine moved out of XXXX XXXX two months before I did and was also contacted by a collection agency within a month of moving out. Another problem that I had with this company is that my apartment had heating and air issue that caused mold in my second bedroom closet of my apartment, that I informed the office of and they never came and fixed. The heating and air system was positioned in the ceiling of my second bedroom closet. It had several issues and maintenance came out several times to try and fix it so they were fully aware of the issue but never successful in fixing it, or addressing the moisture or mold in the closet. I also have pictures of the mold in the closet. Also, XXXX XXXX office employees hold personal online and indoor garage sales in vacant apartments on the property. They inform the tenants of these sales via email. I do not know the exact amount of the collection as of right now because my call with XXXXQ Data International was disconnected and I was unable to get back in touch with them. During the first call I did not receive the name of the company and did not know who to contact. I also could not get in touch with XXXX XXXX office staff after my first inquiry about the debt. The only other attempt at communication Ive had from either company was today on XX/XX/2020. I missed a call from IQ Data International. They did not leave a voicemail, I only know it was them from calling the number back. I was unable to get in touch with a representative. I believe many of the practices of XXXX XXXX are completely unethical. I believe that they try to get over on their departing tenants, no matter how good of a tenant, or how good the condition of the apartment was left in. I moved out of the apartment because I was tasked to XXXX. Now that I am currently XXXX it is such a hassle having to deal with this, and hoping it doesnt hit my credit. I have intentions of buying a home before I return from my XXXX and this situation could greatly curtail those plans, and leave me struggling to find a place to live upon my return. Proof of phone conversations should be available through both XXXX XXXX and IQ Data International, seeing as both companies state that their calls are recorded.
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| 11/04/2021 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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NOTICE TO AGENT IS NOTICE TO PRINCIPAL ; NOTICE TO PRINCIPAL IS NOTICE TO AGENT I, XXXX XXXX XXXX, am the Consumer in fact, Natural Person, true Original Creditor by law, Lender, Executor, Administrator, and Holder in due course for any and all derivatives thereof. I have been appointed as and accept being the Executor, both public and private, for all matters and proceedings, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent, attorney in fact, so help me God.
Whereas, I, XXXX XXXX XXXX, of the age of majority, give this herein notice, I, under penalty of perjury under the laws of God, depose the following facts : 1. I, XXXX XXXX XXXX, am a Natural Person and Consumer with Constitutional and Federally protected rights under the Fair Debt Collection Practices Act, Fair Credit Reporting Act, 12 CFR Chapter 10, and 16 CFR Chapter 1.
2. As of XX/XX/2021, multiple Consumer Reporting Agencies ( XXXX, XXXX, and potentially others ) are reporting IQ DATA INTERNATIONAL ( Account # XXXX ) as seriously past due, assigned to attorney, collection agency, or credit grantor and/or as bad debt in the amount of {$2800.00}.
3. This appears to be a violation of 15 U.S.C. 1692j, which is the furnishing of certain deceptive forms, 15 U.S.C. 1692e for false or misleading representations, and 15 U.S.C. 1692b ( 2 ), as I have no lawful obligation to this debt.
4. This account and any related account, is in direct dispute as a potential fraud against me, the consumer, as in line with 12 CFR 1026.23 ( a ) ( 1 ), and a dispute against the type of account, principal balance, scheduled payment amount on the account pursuant to 12 CFR 1022.43 ( a ) ( 2 ). Additionally this account is in dispute due to lack of clarity on my, the consumer 's, performance or other conduct concerning this account or other relationship with IQ DATA INTERNATIONAL or any other alleged creditor according to 12 CFR 1022.43 ( a ) ( 3 ).
5. I, XXXX XXXX XXXX, at no time consented to or admitted to IQ DATA INTERNATIONAL or any other alleged creditor, or any Consumer Reporting Agency that I owe this debt, nor did I consent to IQ DATA INTERNATIONAL or any other alleged creditor or any other Consumer Reporting Agency reporting this alleged debt to the public.
6. It appears that IQ DATA INTERNATIONAL or any other alleged creditor of this account may be in violation of 12 CFR 1016.4, as I have not properly and conspicuously been provided my initial privacy notice.
7. Pursuant to 18 U.S.C. Section 8, all debts are obligations of the UNITED STATES.
8. This information is ruining my reputation in line with 15 USC 1681, and is a violation of privacy, a defamation of character, is causing damages, and negatively impacting my way of living.
9. Additionally, these unverified and inaccurate reports appear to be a violation of 15 USC 1692d ( 1 ) and 15 USC 1692K.
10. All above stated violations are subject to a {$1000.00} fine each individually.
11.. As a consumer in an alleged credit transaction, in the event IQ DATA INTERNATIONAL or any other alleged creditor has any current contract with me in regards to this account, I reserve my right to rescission and rescind my signature for any and all transactions, upon which, all monies paid and property must be returned to me in full pursuant to 12 CFR 1026.23 ( a ), and 12 CFR 1026.23 ( d ).
12. Additionally, if IQ DATA INTERNATIONAL or any other alleged creditor has any current contract with me in regards to account # XXXX ), they are potentially in violation, due to the fact that I was never provided clear and conspicuous forms or information of my right of rescission, pursuant to 12 CFR 1026.23 ( b ) ( 1 ).
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| 02/17/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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Dear Sir / Madam, My name is XXXX XXXX and I live in XXXX XXXX, FL I have a business in XXXX XXXX XXXX, Florida.
Every year my family and I fly to XXXX XXXX XXXX for two months in the summer.
Every year I rent an apartment for two months and pay the Termination Fee ( another two months in rent ).
I made an apartment rental agreement with XXXX XXXX XXXX for {$1700.00} per month.
At the beginning of the process, when they just showed me the apartment, I told them I was coming with my family for only 2 months, I told them I had a house in XXXX XXXX, FL and I was only coming for 2 months, I asked them if it was okay, they answer " Yes, if you will pay the Termination Fee '', I said " I will sure pay. " I was very transparent.
I immediately paid a deposit of {$1700.00} and a rent for XXXX of {$1000.00} plus other fees of {$410.00}.
We moved in on XX/XX/XXXX.
The agreement states that if I want to terminate the lease, I must give them 60 days notice.
I sent the 60 day notice on XX/XX/XXXX by email ( see attachment A ).
On XX/XX/XXXX my family and I left the apartment and my staff cleaned the apartment and painted it, we brought it to the same condition as we got it.
I returned the apartment on XX/XX/XXXX after my secretary came into the apartment with a XXXX XXXX employee and checked everything, a XXXX XXXX employee said she would only have to charge us for the curtain, which is {$70.00}, The apartment is great.
The total amount for 4 months is {$7000.00} + {$70.00} = {$7100.00} Less {$1000.00} paid upon entering the apartment.
Less security deposit of {$1700.00} Less {$1700.00} paid for XX/XX/XXXX Balance to be paid {$2500.00}.
I did my best to resolve the issue with XXXX XXXX XXXX but unfortunately they just don't want to meet me or discuss the bill.
They have a phone number on the bill statement if the payee has any concern, but XXXX XXXX is not really trying to resolve the issue.
My secretary went to them office to talk with the manager, Ms. XXXX, a few times because we couldn't catch her over the phone.
I called Ms. XXXX by myself so many times and she get on the phone only twice, at the first time she said she is busy and she will call me back later and at the 2nd time she said she has a Dr. appointment and she promises to call me back, SHE NEVER CALLED ME BACK.
I did search on XXXX and i found the headquarter office of XXXX XXXX XXXX in CA, i called them twice but they didn't answer so i left a voice message twice, and THEY NEVER CALLED ME BACK.
The collection company is demanding XXXX from me. ( Of course this is not true ). I would like to point out that they have been calling for about month and a half and I explain to Ms. XXXX ( IQ DATA Collection ) that this is a mistake, and that I owe much less and I am willing to pay the correct amount, But I don't want to pay over what I need.
She was so rude, She didn't believe any word I said, She said i am lie, She ignored me during the call, She didn't want to check with XXXX XXXX if I am right, She didn't want to calculate the bill with me, She blamed me and insulted me and said " You don't have the money to pay, right? just say it, you don't have money ''.
And from the beginning they endlessly threatened to knock my credit.
And indeed they did and knocked me the credit.
And thats why credit card companies have drastically reduced my credit line by two cards.
In addition, I lowered my credit score by 149 points which causes me immense damage.
I am asking IQ DATA to remove any collection from all three credit bureaus immediately, And send me a letter of complete deletion of this matter.
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| 08/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Subject : Formal Complaint Against IQ Collection Agency for Violation of Debt Collection Practices, FCRA Rights, Inaccurate Reporting, and Metro 2 Non-Compliance Dear Consumer Financial Protection Bureau, I am writing to formally lodge a comprehensive complaint against IQ DATA INTERNATIONAL IN for its multiple violations, including improper debt collection practices, infringement of my rights under the Fair Credit Reporting Act ( FCRA ), inaccurate reporting, and failure to comply with Metro 2 requirements. This collection agency 's actions have led to not only significant distress but also a deep concern about their conduct and methods.
First and foremost, IQ DATA INTERNATIONAL has persistently engaged in harassing phone calls concerning a debt that I have reason to believe is unverifiable. Despite my repeated requests, the agency has failed to provide any evidence of verification for the debt, and it continues to engage in collection activities without adhering to proper protocols. This relentless harassment has exceeded 30 days, and I find this behavior not only unethical but also a clear violation of my rights under the FCRA.
Additionally, I have discovered that IQ Collection Agency is reporting inaccurate information about the alleged debt to credit reporting agencies. This inaccurate reporting has led to damage to my credit profile, my credibility when applying for credit, and has already caused unnecessary distress. Furthermore, it has come to my attention that the agency may not be following the Metro 2 compliance laws, which govern the accurate reporting of consumer credit information. This is a direct violation of established industry standards and my rights as a consumer.
It is equally troubling that despite my repeated requests, IQ DATA INTERNATIONAL IN has not provided any proof of verification for the alleged debt, nor have they disclosed their specific methods of validating the debt in question. This lack of transparency raises serious doubts about their collection practices and adherence to legal requirements.
In light of the above, I urge the Consumer Financial Protection Bureau to : 1. Investigate IQ DATA INTERNATIONAL INs actions, including their improper debt collection practices, FCRA violations, inaccurate reporting, and Metro 2 non-compliance.
2. Ensure that IQ DATA INTERNATIONAL IN immediately ceases all communication until proper validation of the debt is provided in accordance with the FCRA.
3. Hold IQ DATA INTERNATIONAL IN accountable for their violations and impose appropriate penalties to deter further misconduct.
4. Facilitate the rectification of inaccurate reporting and ensure that my credit profile is appropriately corrected.
5. Request IQ DATA INTERNATIONAL IN to provide specific and verifiable methods of debt validation that adhere to legal standards.
The process of harassment and misconduct by IQ DATA INTERNATIONAL IN has extended well beyond reasonable limits, causing me significant distress. I am seeking your assistance and intervention to put an end to this indecent treatment and to ensure my rights as a consumer are protected.
I kindly request that you provide me with updates on your investigation and the actions taken to address this matter. I am committed to seeking justice and resolution in this situation.
Thank you for your prompt attention to this matter. I anticipate your response within 30 days from the receipt of this letter.
Sincerely, XXXX XXXX
|
| 03/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This complaint is regarding a debt notice I received from I.Q. Data International , Inc. ( " IQ Data '' ) dated XX/XX/22 for the amount of {$170.00} ( refer to attached ).
The debt notice simply stated that I have some outstanding debts to the apartment that I resided previoulsy without any context and I was not communicated of any remaining balances by the apartment after following a proper move-out process. Accordingly, I called IQ Data expressing my intention to dispute the debts as clearly instructed on the debt notice. At the time, the representative informed me that the charge will be marked as " disputed '' in their system and that they'd provide me with additional information that shows that I owe the debt. Then, on XX/XX/22, I received a call from IQ Data reminding me that I have an outstanding debt with the apartment. During the call, I explained the situation and expressed my interest in better understanding the debts before taking any actions. The representative understood my situation and kindly informed me that she'd transfer me to an authorization manager for a 24 hours-hold approval so that I can contact the apartment and inquire about the debts. I'd like to file a formal complaint for the abusive behaviors of the authorization manager that this letter will describe, which seem clear violations of Federal Debt Collection Practices Act ( " FDCPA '' ).
According to section 809 ( b ) of FDCPA, it is clearly stated that " if the consumer notifies the debt collector the debt is disputed, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment ''. I did not receive any verification of the debt from the debt collector after my initial dispute, meaning I still had no understanding of the debt I owed when I was speaking with the authorization manager. The abusive behaviors from the authorization manager started unsolicitedly, when I expressed my interests in better understanding the debts before resolving them. Under section 806 ( 2 ) of FDCPA, it is stated that " a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in conn
ection with the collection of a debt ''. Further, it is clearly stated that " the use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader '' is a violation. Further, section 807 of FDCPA clearly states " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. '' When I simply expressed my interests in obtaining basic understanding of the debt I wasn't made aware of, the authorization manager started to threaten/blackmail me with sentences like " If you don't act like an adult by paying the debts, I'm going to leave a permanent record to your credit report ''. Subsequently, when I explained that I wasn't made aware of any outstanding balances at the end of my move-out process and that I just want to understand the balance before taking any action, her response was " It's your fault that you didn't practice due diligence with the apartment '' and that " I have no right to contact them and that the apartment will not answer my call for any reason ''. I strongly believe these abusive verbiages are clear indications of violations to multiple subsections of FDCPA and that I request the proper corrective actions to be taken place.
|
| 08/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I received a letter from I.Q. Data International at the end of XXXX. The letter was dated XX/XX/2023. On XX/XX/2023 I sent a letter to them notifying them that the debt was not mine. I asked them to validate the debt and provide the following information : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts in the state of Arizona.
5. Documentation showing that you are licensed to collect debts owed in the state of Florida.
6. Documentation collected, signed, and procured by XXXX at XXXX XXXX that may have resulted in a balance due including but not limited to a lease application, rental agreement, signed documents, and or any photo identification used to verify the identity of the person attempting to do business with XXXX at XXXX XXXX.
7. Proof of the last payment made on this account ( date, by whom, and form of payment ).
8. The original date of the application, rental agreement, or co-signed agreement at XXXX at XXXX XXXX that you are attempting to collect.
9. The terms of the application, rental agreement, or co-signed agreement at XXXX at XXXX XXXX that you are attempting to collect on.
I have attached the full letter that I sent to them letting them know the debt is not mine and that I was requesting validation of the debt/disputing the debt, the notice that I received from them dated XX/XX/2023, a copy of the signed returned receipt from the certified letter that I sent them ( they received my request to validate the debt/dispute on XX/XX/2023 ), and a screenshot showing that XXXX. XXXX XXXX has already reported this debt that is not mine and I do not owe to my credit report ( I have confirmed the collection was reported to XXXX and XXXX ; I am in the process on confirming with XXXX ).
As of today XX/XX/2023 I have not received a response from I.Q. Data International ( as I requested in my dispute/validation request letter ).
It is my understanding of my rights under the FDCPA that when you dispute the debt ( as I did in writing less than 30-days from the time that I received their initial notification of the debt ), a debt collector can not report it to a credit reporting agency unless and until it verifies the debt.
As of right now, I.Q. Data International is in violation of the FDCPA. My credit score has been negatively impacted by the reporting of a debt that IS NOT MINE.
I dont know how this fraudulent account was even able to be opened for the debt that I am being associated with because MY CREDIT IS FROZEN! The reason I have my credit frozen is because my personal information has been compromised and I regularly receive notices from credit card companies and loan companies declining application that were submitted using my stolen personal information that were submitted without my knowledge by third-parties attempting to commit fraud.
I have also submitted a dispute with XXXX and will be contacting XXXX and XXXX to follow their dispute processes.
This is not my debt! I dont live in Florida nor do I know anyone who lives in Florida . I am distraught that some random apartment complex in Florida was able to open a fraudulent account in my name! I am even more upset and distraught that I am now being harassed and penalized by a debt collector who is not in compliance with the FDCPA!
|
| 03/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
In XX/XX/XXXX my husband and I had to break our lease in Florida due to us losing our jobs because of the pandemic. We had to relocate to Texas since that was the only location we could find jobs. We understood we would have to pay for breaking the lease. We waited to be contacted with the final amount but unfortunately, we never heard from the apartments. Fast forward to XX/XX/XXXX, I see the account has gone to collections due to us not paying. I contacted the apartments asking if we could pay them but unfortunately, they said we had to go through the debt collector. In those 9 months we were never contacted by the apartments or IQ Data Inc ( the debt collector ). On XX/XX/XXXX I XXXX their info and called them because we want to get this resolved. We were told by the apartments when I initially called, we owed {$2600.00}. Upon speaking with XXXX XXXX he proceeded to get my phone number, mailing address and my husbands phone number. He stated he did not have this information. He also stated we needed to pay {$2700.00} and he would remove it from our credit. I asked why it was more and he said they are charging an interest fee of {$89.00}. All I want is to make sure the debt collector is being honest about this. I looked up some info on FTC and read they are not allowed to collect interest. The next day XX/XX/XXXX, XXXX calls me but I am in the middle of a phone call and can not answer. He proceeds to call my husband and was EXTREMELY hostile towards him. My husband was just questioning why the interest and XXXX proceeded to raise his voice so my husband hung up. My husband told me about the situation and I called XXXX to try and explain our side. He then proceeded to start yelling at me over the phone stating we are trying to get out of paying for this. I want to make this clear, WE ARE NOT TRYING TO GET OUT OF PAYING OUR DEBT. We were aware we would be charged for breaking the lease and have every intention on paying it. What we do not understand is why they are charging this interest fee and why they refuse to remove this from our credit if we do not pay the interest fee. XXXX mentioned it being a flat collection fee but saying they call it interest. I dont buy this. All I want is a clear and legitimate explanation. He hung up on me very rudely and I called back because again, we want to fix this. This affects my husbands and I credit tremendously to the point of us not having anywhere to live because nobody will lease to us. We have had impeccable renting history the last 8 years until COVID hit. All we want is a legitimate explanation if this is in fact true or correct. We are not trying to find loopholes or trying to get out of paying. They just never ever reached out to us even though he claims they did. I dont have any voicemails. Nothing. Then when WE reach out, XXXX XXXX was just disgusting. He gave us horrible customer service and I told him that. He said we are not his customer the apartments are, and he said he was putting us down as refusing to pay even though WE NEVER SAID WE WOULDN'T PAY. We never not once said that, and their recording can prove it. All XXXX did was yell at me and would not let me talk. He also called me a liar. I do not appreciate the way this is being handled. He is treating us like trash, and we do not deserve it. We are honest people who are just trying to not be taken advantage of. Please someone help us with this. I can not and will not call these people again. He is rude and just overall a XXXX human.
|
| 03/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
To whom it may concern : The reason for my concern is regarding a call I received a call from XXXX asking for my daughter. I explained that I was her mother and i could relay a message. I took all the information down and asked what it was in regards to and was told personal business.
I said " oh a bill collector '' she said no that it was " personal business ''. I told her to take my name off the list and do not contact me back. XXXX then asked if I would still relay the message. I said no, and XXXX said " tell your daughter to quit using you as a reference then ''.
Meanwhile i was at work, and this upset me more than anything. Just take my number out of your records. Why be combative. I am not going to send my daughter a message. XXXX from IQ Data says stop using me as a reference. Just take my number off the list.
On break I called to speak to a supervisor, I initially spoke with XXXX and directly asked to speak with a supervisor. He put XXXX on the p hone. I asked XXXX to speak to a supervisor she said she was a Senior Representative. again I asked for a supervisor. Finally i speak with XXXX XXXX.
I asked Ms. XXXX to not contact me back as I am a 3rd party. Meaning I do not have anything to do with this. She told me to tell my daughter to not use me as a reference she said she did not have time to argue and h/u.
I called back and spoke with XXXX XXXX. I asked to speak with Ms. XXXX supervisor. He said that there were several supervisors. I then asked to speak with the General Manager, and was told they have no General Manager. I asked to speak with her immediate supervisor, and was told she had none. I was hung up on.
I have nothing to do with this. I am not sending messages to my daughter for the collection agency, this is not XXXX. I want my number removed and to not be contacted. I thought the days of Bully Bill Collectors was over.
I am an XXXX woman, I have survived XXXX XXXX 2 times. My family has been hit very hard by the current pandemic. I worry about children and I worry about their debt. I never knew my daughter had bills in collections, but now I do know that she is having some kind of financial problems. This is none of my business. But now I worry.
Me and my husband have already began disagreeing on how to try and help her. I immediately had to take time off from work to call him and then I got a headache so bad it a made me violently ill.
All i wanted was my to not be contacted again.
Now I would like a record of just how unprofessional these people that represent IQ Data are. This business has only been around since XXXX. According to their Website they are provide collection services for apartments. Now I know its an apartment they are collecting on. Also it says they take compliance very seriously and are certified through the XXXX XXXX XXXX XXXX from the XXXX XXXX XXXX XXXX XXXX XXXX
This type of behavior has given the collection industry a bad name. I could understand 1 bad apple but i spoke
with 4 members of their staff including a manger and a senior representative. This is not one member this is a culture and speaks to the ownership. Does the Corporation condone
this type of behavior? I don't owe the bill. I am a 3rd party. I did not sign anything making me accountable. I would not even known my daughter owed for an apartment until this call.
Privacy, dignity and respect. This is what my daughter deserves and she got none of it and neither did I.
|
| 09/01/2023 |
Yes |
- Debt collection
- Rental debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
First contact was via telephone on XXXX during which the representative was very aggressive in telling me that if I must honor the contracts I signed. I was not able to finish a sentence. His entire goal was to confirm and collect a debt and would not listen to reason. He refused to provide any identifying information including account number or the company 's mailing address even. I called back on XXXX and XXXX but my calls were forwarded to the same individual who completely refused to listen to me and told me that because I would not pay he was going to mark the account as a " refusal to pay. '' I asked to speak with a supervisor and eventually was transferred to a voice mail. I left a message but did not receive a call back. I eventually called on a day my account representative was not there and was able to obtain an account number from someone else.
On XXXX, within 5 days of initial telephone contact, I issued a Debt Validation Letter clearly stating that this is NOT a refusal to pay but an attempt to try and gather more information about the claimed debt ( a copy of the letter is uploaded as documents here ). The letter was sent via email at XXXX. The same day, I also mailed the letter to XXXX at XXXX XXXX XXXX, XXXX PA XXXX. I asked that communication be made to my email address as my living situation is currently fluid.
Despite my request to validate the debt, aggressive telephone calls continued. I insisted that he identify himself and learned his name is " XXXX '' but with a mumbled last name. I tried advising him that I am represented by counsel against the creditor, XXXX XXXX, for injuries by daughter sustained. I also tried to advise that a debt validation letter has been issued and requested that all future communications be made in writing. I could not finish my sentences due to his interruptions. During the latest call, on XX/XX/2023, XXXX threatened litigation against me for the alleged debt. He used harassing and offensive language in trying to bully me into making a payment. His fall back question was always Are you refusing to pay this debt? If not, here are the forms of payment we take. Every single time I alluded to my Debt Validation Letter or circumstances he either cut me off or put me on hold for XXXX minutes. I specifically stated My position is clearly stated in the letter I sent which is NOT a refusal to pay. Despite this, he voiced his intent that my account will be flagged as a refusal to pay which will result in legal action against me.
As of XX/XX/2023 I have received information that my XXXX XXXX has been impacted. I only assume that is because of this reporting. Per law, I have a legal right to request a debt validation here which I have properly done here. To date, this company has not provided any written communication to me but instead they continue to harass and bully me into trying to pay a debt, and now have made a reporting to a bureau which has adversely impacted my credit. They have never even notified me there is a debt in writing or provided any written response to my XXXX letter. Meanwhile any potential amounts owed are part of my own personal injuries claim against said creditor and as such should have been settled as part of that claim. The creditors failure to do so amounts to waiver any moneys owed.
This credit collection agency has made me feel less than human. They do not observe or proceed to treat people fairly nor respectfully.
|
| 01/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I am a XXXX resident of XXXX XXXX XXXX in XXXX, GA owned by XXXX XXXX XXXX.
When I moved out on XX/XX/XXXX 2022 a fraudulent final ledger was submitted to the corporate office showing that I owed the apartment complex XXXX This amount was turned over to IQ Data XXXX in XXXX. I was made aware of this error on XX/XX/XXXX around XXXX when I received a collections call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My account # : XXXX & Payment Confirmation : XXXX ). I immediately went to XXXX XXXX apartments to speak with the XXXX and get the ledge corrected. The word withdraw was placed on my ledger on the XXXX errors I will explain below and I was told she would inform Corporate of the errors, who would then inform the collections firm of the errors and it would be deleted.
Fast forward XXXX months later and I received a phone call on Friday XX/XX/XXXX about the same collections but with added interest now totaling XXXX. On XXXX XXXX 2023 I paid for an immediate deletion of the fraudulent reporting that has been negatively impacting my XXXX XXXX for XXXX months.
There are XXXX items on the ledger that are incorrect. I have attached to this complaint a copy of the ledger corrections and the email of the lost/found final check that I will explain below.
XXXX. Dated XX/XX/XXXX/2022 highlighted in yellow XXXX effective XXXX XXXX XXXX. Dated XXXX/XXXX/2022 highlighted in yellow XXXX effective XXXX XXXX XXXX. Dated XX/XX/XXXX highlighted in yellow XXXX effective XXXX XXXX These XXXX items are duplicate charges. My lease ended XXXX XXXX, 2022 and I moved out on XX/XX/XXXX, 2022. Which means I went from a lease to a month to month XXXX rental rate on XXXX. I was charged this XXXX rate on XX/XX/XXXX, located in the ledger with a star ( XXXX ). The XXXX additional incorrect XXXX charges should have been deleted when I brought this to the XXXX XXXX managements attention in XXXX of 2022. But this was never communicated to corporate or to the collection agency.
XXXX. Dated XX/XX/XXXX highlighted in yellow Trash out-items left in closet XXXX This line item references a white pole located in the master bedroom closet. This white pole was in the closet when I moved into the townhouse, it was being used to support the shelves in the closet. While living there, my husband reinforced the shelves making the pole no longer necessary. But upon move out we left the pole where we found it. The XXXX at XXXX XXXX has acknowledged this and has a photo of the pole in my file. I saw it today XX/XX/XXXX when I visited her office.
XXXX. Dated XX/XX/XXXX highlighted in yellow Utility Fee-Final water XXXX On XX/XX/XXXX I dropped off a check for XXXX} with the memo : Final XXXX Payment in relation to this water bill. The management office applied this check to the wrong apartment complex. In the attachment to this email, Ive included the email I received from XXXX XXXX XXXX ( assistant property XXXX ) saying that on XX/XX/XXXX they had located my check and the XXXX will correct the ledger. Clearly, this was not done.
I spoke with the assistant property XXXX, XXXX XXXX this morning to confirm all of these incorrect charges and view the corrected ledger from XXXX which was never forwarded to the collections agency. Her email address is : XXXX and phone # is XXXX.
This was first reported to my XXXX XXXX in XXXX on XXXX.
|
| 01/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
Older American |
|
XXXX On XXXX I found out that IQ DATA INTERNATIONAL ( a debt collection company ) had recently filed a Major Derogatory Account action with XXXX. It is about alleged failure to pay final utilities on an apartment ( XXXX XXXX in XXXX ) vacated on XXXX. The amount is {$220.00} of which {$52.00} is a penalty. This is an apartment that my daughter rented, and I had co-signed the rental agreement.
Here is my complaint : The first time that my daughter or I heard about this was a few days ago the aforementioned date. IQ Data has seriously hurt my and my daughters credit rating after making only feeble attempts to contact me/us. When I contacted them they said they called me several times in XXXX of XXXX. But, I dont answer unknown numbers ( hardly anyone does ) and they didnt leave a message! They claim that by law, they dont have to leave voice messages or send text. Supposedly because of privacy concerns.
Not leaving voice mail and not texting because of privacy concerns is a spurious argument. They could leave a message saying something like, This is IQ DATA INTERNATIONAL, a collection company. We are trying to resolve an issue of non-payment on behalf of XXXX XXXX. Please call this phone number, visit this website, or send U.S. mail to this address. Thus, there are no privacy concerns and people would have the opportunity to resolve issues before they are reported to a credit reporting agency.
My daughter did leave a valid forwarding address, but no one tried to contact her at that address. She lived at that forwarding address until XXXX. Nine months is plenty of time to get U.S. mail to her, but she received none! Shouldnt such non-payment issues be pursued within 90 days?
I called IQ Data on two separate occasions speaking with XXXX XXXX on one and XXXX on the other. Of course, they are motivated to get people to pay, but they exert undue pressure : I asked for proof/evidence that the charge was legitimate, and XXXX belittled my request. I had to persevere to get a U.S. mail address to make the request. ( I have sent the request to them via certified mail. ) I also asked to have the report to XXXX removed if we pay the balance. ( Im told by legal counsel that I need written assurance because collection companies say one thing but often fail to follow through. ) XXXX said he would have to consult with his manager, and subsequently said that they would delete the XXXX report only if I paid over the phone NOW! I am unwilling to pay until I have assurance that it is a legitimate charge and if I get the promise to remove the report in writing.
Because IQ DATA failed to show due diligence and because of their unwillingness to be reasonable, I now have a derogatory finding with the credit reporting agency ( agencies? ) with no way to remove it. My credit score has taken a hit before I was even informed that I was considered delinquent in payment.
( Other things that might shed light on the issue : 1 ) As I recall, my daughter paid for her electricity directly to the utility company. So, is this final bill for water which she paid to XXXX XXXX? 2 ) We learned that another management company bought the apartment complex in question from XXXX XXXX in XXXX. If XXXX XXXX pushed this forward into collections, wouldnt that have happened well before XXXX? )
|
| 08/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
So IQ Data International has been reporting false information and wrong amounts to my credit report that I don't owe. XXXX is when this false reporting started. I've called the collection agency about this matter because we didn't get a notice or anything it just showed up on mine and my spouses credit report. We asked them on the phone call on XXXX what is this amount for they didn't explain just told us it's from XXXX XXXXXXXX XXXX XXXX and stated we couldn't dispute verbally we had to mail in a letter to dispute. We also asked them to send us the list to show what we were being charged for. XXXX XXXX is some apartments they I lived in and I was having disputes with them after our move out because they were trying to over charge us, charge us for things we weren't responsible for and also tried to charge us for things that never existed in the unit. So after a couple of months disputing with them I got legal advice from a lawyer to take them to small claims court. I told XXXX XXXX I was going to sue them and take them to small claims court on XXXX if my account was resolved by XXXX. So they agreed to pay me and drop all charges on a phone call on XXXX. A hour later the apartments emailed me stating I wasn't going to get my full deposit back they were keeping our pet deposit for carpet replacement in the unit which our unit never had carpet. So after still disputing we didn't come to an agreement that day so on XXXX out of no where this is when the report hits our credit and we had no idea what the amount was for. So after that phone call on XXXX with the collection agency time goes by and on XXXX we get a letter in the mail from the collection agency dated XXXX saying they denied our letter of dispute. Which I never sent in a letter so I called them the day we received that letter asking how did y'all deny my letter when I never sent in a letter during that time and the agent couldn't explain then change up saying they took a verbal dispute as us disputing. I told her I'm actually mailing my later today and the agent told me to also send in proof with my dispute letter on showing how I don't owe that amount. So XXXX I actually mailed in my dispute letter and my proof with all the legal spill for them to do an investigation, very this amount is correct, and to take this off my credit report. Weeks are going by I called the collection agency numerous of times trying to get this list to showing what the amount was for they kept saying the were mailing it but they never were. On XXXX is when we finally got the list in the mail of showing what we were being charge for by XXXX XXXX. So XXXX we go to court against XXXX XXXX we didn't get a judgement this day. XXXX is when we go the judgment in the mail/online we won our court case against XXXX XXXX XXXX we didn't owe them money they had to pay me double of my deposit. On XXXX I emailed the collections agency my court documents of us winning and called on the phone to let them know I don't owe this amount this needs to be taking off my credit by XXXX because it's been months of false reporting to my credit. I couldn't get a new vehicle because of this and also couldn't get a credit limit increase on my credit card this has been causing a lot of stress and emotional damage.
|
| 05/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
Recently, I have been contacted by a debt collection company IQ Data International located in XXXX, XXXX. My debt was in the amount of {$1700.00} for amounts owed to a previous apartment complex. I did agree to pay the total amount on XX/XX/2023 in XXXX when I was originally contacted. However due to unforeseen personal issues I knew I could not make it in full and did not want to put myself or my family in financial constraint.
On Monday, XX/XX/2023 at XXXX EST, I called IQ Data International to speak to my " case worker '' in order to set up a payment arrangement. I spoke to XXXX and explained to him my situation and offered to pay {$200.00} as the initial payment and requested a payment arrangement for the rest. XXXX told me I was not able to set up a payment arrangement and had to apply for loans to pay the account in full. XXXX continue to state that after receiving multiple denial letters then he may be able to assist. I explained to him that currently my two children and I are homeless and were attempting to move into another apartment and my credit was not in the ideal place to get a loan. I then asked him to cancel the payment as I was unable to pay it on XX/XX/XXXX in which he then stated he would report to the credit bureaus that I am " Refusing to Pay '', which is false. I then asked him why would he report false information when I am attempting to pay my debt just at a lower initial payment. XXXX then went to say how a loan would look better on my credit than a collection, which as a debt collector, credit advice is outside of his scope of practice.
From then XXXX transferred me to his supervisor XXXX XXXX which I did not know I was being transferred. Once XXXX answered, I explained to her my situation with XXXX and my finances. She then went to say that it is correct and I would have to get a loan. I reiterated to XXXX what I told XXXX that this was new information to me and I could not get a loan. XXXX then went on to ask why I couldn't. I told her that my credit is not ideal and I am trying to move and then told me to ask my family or friends for the money. I told XXXX that threatening to send false information to credit bureaus that I am refusing to pay will result in me reporting her and the company to the XXXX, CFPB and Maryland Department of Labor Consumer Affairs. XXXX then said I was not a consumer, which I countered and stated that I was and for her company to be able to be licensed in the state of Maryland they must be under the Department of Labor Consumer and Financial Affairs Division. XXXX then proceeded to say " You are not a consumer, you are a whining little girl you can not pay her bills! ".
The call was recorded and violated my rights under the Federal Trade Commission 's Fair Debt Collections Practices Act 806. Harassment or abuse : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader and 807. False or misleading representations ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
|
| 03/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
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On XX/XX/2021 an IQ Data International debt collector contacted me, they verified my name and phone number and stated it was an attempt to collect a debt in regards to an unpaid judgment. Due to not receiving my Itemized Deduction List from the previous apartment I was unaware of the amount owed prior to my move out. I requested the apartment send it and updated my mailing address but still never received it. I attempted to set a payment date of XX/XX/XXXX and negotiate a settlement amount. I was told the earliest I could not set a settlement past the date of XX/XX/2021 because they would begin reporting to credit agencies on XX/XX/2021. I do not recall my XXXX being verified however the agent pressed me about if or had I received my XXXX or my XXXX which neither I had not. She used my social security number without my permission to look at my stimulus payment date after I had already disclosed I had not been given a date when she first asked if I had received it. I told her I was currently living out of a XXXX because I had just found work in a new city and that 3 days was unrealistic for me to have nearly {$2000.00}. She told me it was realistic because the stimulus could come any day. I tried to set the payment for XX/XX/2021 but again she told me she couldn't give me the settlement amount for that date. I agree again on XX/XX/2021 and then continued on with looking at my stimulus, again never verify my social or gaining my approval to look. She verified if the last XXXX digits of the account were mine and I said yes. In attempts of hope, I again asked to set a payment date for XX/XX/2021 because I needed more time. I was unaware of this payment and didn't know it was even sent to collections until the date of the call. She continued to say they would have to report beginning XX/XX/2021, and she couldn't do anything else so once again I agreed to set payment for XX/XX/2021 with a settlement amount and was then asked for my visa card. I asked if I could speak to someone in regards to receiving documentation before I agree to make a payment. A " XXXXr '' rudely answered the phone and I stated before I make a payment I would like to receive a document in the mail stating that once I make the payment it will not in any way affect my credit report. The male " XXXX '' stated he would provide documents in my email and once he did I had to give him my XXXX card or else he would not agree to the settlement amount. I asked for a letter document in the mail seeing as I've never received any letters by mail from a collection agency, he again denied me and said if I didn't take the email and give him my XXXX card he would then opt out of the settlement and make me pay the full balance as well as report it to my credit report. I refused his threat and stated I wanted a paper in the mail if I couldn't get a document in the mail I would not be making any payments. I never once denied making a payment I just asked for documentation of this debt being paid. He then stated he was now going to make me pay the full amount and would be reported to my credit. I then denied to make any payments and I can't recall if he or I ended the call.
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| 09/22/2023 |
Yes |
- Debt collection
- Rental debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/2023 a full rent payment was made to the apartment rental complex ( can provide name if requested ). I saved the electronic payment receipt and electronic payment information on XX/XX/2023. On XX/XX/2023 I received a debt collection letter from IQ Data International Inc. I called IQ Data International Inc. on XX/XX/2023 in response to this letter and was told to email the receipt to XXXX. I emailed the receipt with the account number in the subject line to XXXX. I was told over the phone that the account was placed in disputed status and they would not try to collect the debt until they verified the receipt. On XX/XX/2023 I received another debt collection letter from IQ Data International Inc. for the original monetary amount and the same account. On XX/XX/2023 I called IQ data International Inc. and asked the status of the account, if they had received the emailed receipt, and asked that the debt collection be disputed. The representative informed me that they had not read the email, had not read the receipt, but had received the email. I asked that they read the receipt and email to dispute the debt collection. The representative informed me that he could not access his email. I asked to speak to a supervisor. He informed me that all supervisors were in a meeting. I asked to speak to another agent. He informed me that there were no other agents. I asked for an email to again send the receipt. The agent provided the following email : XXXX. I sent the receipt to XXXX. I asked the agent to confirm that he received the receipt. The agent could not login to the email, so I asked to speak to anyone able to login to the email. The agent forwarded my call to another representative. The new person on the phone could not login to the XXXX email but said that the account had been placed On Hold and told me to call back in 24 hours for the status of the account and to confirm the receipt had been received. I called back 24 hours later on XX/XX/2023 and informed IQ Data International Inc. that the call was being recorded and asked for the status of my account and confirmation the receipt had been received. The agent said the account was in the Disputed status but could not confirm that the receipt had been received. I asked for the timeline for the process, how I would be notified about the resolution, how I would be contacted for the resolution, and next steps. The agent said there was no timeline, that I would not be contacted about the resolution, and that there would be no guarantee of contact. I requested that the company contact me with the status of the account and the agent said they would not contact me for the resolution and that there was no timeline. I asked to speak to a supervisor and for the extension of the supervisor. I was transferred to XXXX XXXX and the phone was picked up but silent and then hung up by the person. I called back at the number and extension given for XXXX XXXX and was sent to an unarmed voicemail. I left a message requesting a call back with the account number, status, timeline, and confirmation of the email receipt. I have received no contact back from IQ Data International Inc.
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| 12/15/2023 |
Yes |
- Debt collection
- Rental debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I have sent multiple requests for verification that I owe this debt to this company countless times and have received no response. They are continuously charging interest on a supposed rental collection, the total balance is perpetually rising and increasing to an astronomical amount. I have asked for proof of their right to even charge me interest for this type of account, still did not receive any response. I do not owe anything that matches this balance whatsoever.
The bureaus seem to allow them to keep getting away with charging me a balance that I do not owe, and giving them permission to increase the balance perpetually, due to unknown reasons. How can a rental lease collection account charge perpetual interest if the alleged original account already charged off the debt. This is illegal. I have lost everything due to Covid-19 back in 2022, I have also mentioned this to this company, still no response or regard to my situation or request for information.
I will never be able to afford this account even if I did claim this as a valid debt. It is literally ruining my life. I can't even get a car for transportation to get to work, or rent anywhere to stay, and the balance just keeps getting higher and higher. It was around {$8700.00} at first, now it's around {$9500.00}. Seriously, can you guys please consider deleting this account from my report as a courtesy of goodwill due to it affecting someone's quality of life significantly and their inability to recover due to this being a monolithic obstacle to achieving financial stability? According to the CFPB 's own words, and I quote.
" A debt collector may not collect any interest or fee not authorized by the agreement or by law.
The interest rate or fees charged on your debt may be increased if your original loan or credit agreement permits it and no law prohibits the increase, or if state law expressly permits the interest or fee. '' Sources : Can a debt collector increase the interest rate on a debt I owe?. Consumer Financial Protection Bureau. ( XXXX XXXX XXXX XXXX XXXX XXXX Collecting Interest on Charged Off Debts and How Debt XXXX Must Disclose the Accrual of Interest to the Debtor '' Collecting interest on charged off debts and how debt XXXX must CFPB. ( XXXX XXXX XXXX XXXX XXXX I understand you bought this account for pennies on the dollar, but I will not be able to pay any of it, neither do I claim this debt or balance as valid. I am virtually homeless, and have a XXXX, and I need my credit to obtain resources to help me recoup. If you can provide validation and your permission that this debt is valid and you are allowed to collect this debt, I will then consider trying to pay at most {$75.00}, that's all I can afford seriously. If you can not provide the proof please remove this account.
This account is affecting my life so much, I have no other option but to continuously pursue fighting this debt. So if you want to keep the account on my report thinking I will pay something, I can not. I will keep disputing it, and take any actions necessary due to my conviction that this account is not valid, and that I do not owe this balance.
Thank you
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| 11/03/2023 |
Yes |
- Debt collection
- Rental debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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IQ Data has attempted to contact me several times - even after I specifically asked them not to after the first time in reference to a {$14000.00} debt I do not own or know anything about from XXXX XXXX XXXX in Texas. I was met with abusive language and intimidation tactics. I had already reached out to the apartment complex listed on my credit report because I have never lived there. I have been living in XXXX XXXX for over 20 years. I have been in the same apartment I am in currently for 6 years. I am an almost XXXX XXXX XXXX woman. My credit score is XXXX! I pay every bill on time. This accusation is ridiculous. I've never even been to Texas!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX IQ Data International I am reaching out to whomever this matter concerns on behalf of myself, XXXX XXXX XXXX, a federally protected consumer. I am enforcing my rights according to 15 USC 1692g by asking your company to VALIDATE the alleged debt as well as send me evidence that i am obligated to pay this alleged debt. I am not refusing to pay the debt but rather asking your company to validate this debt as it is your lawful duty when asked by a consumer. I am also making your company aware that invalidated information on my consumer report may be fraud under federal and state laws, and I will not hesitate to bring forth legal action if my rights continue to be violated under the FDCPA and FCRA. You have 30 days to validate this debt and during this time all furnishing and collection activities must cease and desist through any and all mediums including my consumer report. If IQ Data International fails to respond within 30 days to validate this debt it shall be deleted and removed from my credit file immediately.
If adverse action is taken against me as a consumer I will consult my legal counsel. Please be advised that according to 15 USC 1692g - Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Thank you for your attention in this matter, XXXXXXXX XXXX XXXXXXXX Without prejudice, All Natural Rights Reserved
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| 06/10/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
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Web |
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I made a payment deal with IQ International Debt agency via phone in XXXX of XXXX to pay them a certain amount out of the full amount considering that I did not have the full at that time. I gave my debt card information, agreed to pay the first half and then agreed to pay the second half by XX/XX/XXXX.
I finally came into some money with my NY State Tax Return that Ive been waiting months for due to identify theft but when I went into my bank account today on XX/XX/XXXX I noticed IQ International swept that money away on XX/XX/XXXX without authorization.
( On the recorded line back in XXXX of XXXX with XXXX XXXX, I agreed to give them the rest of the money owed by the end of XXXX, NOT authorizing a payment. Theres a difference. ) Today, after discovering the authorized charge and grab of my money in my account, I immediately called XXXX XXXX and reintroduced myself to refresh his memory of our last conversation. With tears in my eyes, I explained my current reality of financial hardship and how I didnt ignore their requests for the money and that I just simply did not have it but was willing to give them a cut of my tax return when it would eventually come to me. Within minutes, XXXX XXXX got frustrated and angry with me, downplaying my raw emotion and pleads to please help fix this as Im a single mother with XXXX children who relies on every dollar that comes to me. I explained I was not ignoring him or blowing him off, I had every intention to pay ... I just needed a payment plan as life took a different turn due to circumstances out of my control. He refused to work with me and raised his voice ( would almost consider it yelling ) at me 90 % of the 45 minute phone call during an emotional vulnerable time, pleading for his help.
I told XXXX that I did not authorize a payment to go through with them on my bank account. Back in XXXX of XXXX, I recall clearly agreeing to have the money by the end of XXXX which is no way in the same as agreeing to an authorize CHARGE on my account. This is UNACCEPTABLE debt collector action. I called my bank immediately to dispute the charge as well.
XXXX was very kind to me the first phone call back in XXXX of XXXX. Understandably so as I was handing over the money owed. This phone call today was inappropriate and uncalled for and Im extremely upset that I received an UNAUTHORIZED charge by IQ international on my account. XXXX told me that they sent letters to my home before the UNAUTHORIZED garnishment. Did not receive a single letter. XXXX repeatedly told me to get a lawyer to look at the recorded call back in XXXX and told me hes terminating my call.
Jasons complete disregard to a human beings struggles is astounding. After telling him that he neglected to tell me important details regarding my debt in the first phone call and that he should really thoroughly explain to people things they should know before paying, he responded with well its not my responsibility for you to understand what we say to you. This is mind blowing, cold and unprofessional to say to someone who is hysterical on the other line for good reason.
Something needs to be done. Unacceptable.
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| 10/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX, IQ Data International, XXXX and XXXX are in violation of federal law. XXXX and XXXX have agreed to follow the guidelines on consumer reporting as required by law in their consumer agreements. They ignore several disputes and constantly violate consumers. Their negligence in regards to my consumer report has caused me harm as a consumer. 15 USC 6802 states that '' ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX shared my nonpublic personal information with nonaffiliated third party IQ Data International who shared my nonpublic personal information with nonaffiliated third parties XXXX and XXXX without my prior consent even though I am required notice by 15 USC 6803. I also know that according to 15 USC 6805 states '' this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection. '' This is also a violation of 16 CFR 313.10 which states " Conditions for disclosure. Except as otherwise authorized in this part, you may not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party unless : ( i ) You have provided to the consumer an initial notice as required under 313.4 ; ( ii ) You have provided to the consumer an opt out notice as required in 313.7 ; ( iii ) You have given the consumer a reasonable opportunity, before you disclose the information to the nonaffiliated third party, to opt out of the disclosure; and ( iv ) The consumer does not opt out.
( 2 ) Opt out definition. Opt out means a direction by the consumer that you not disclose nonpublic personal information about that consumer to a nonaffiliated third party, other than as permitted by 313.13, 313.14, and 313.15. '' I was not provided an initial notice as required under 313.4 ; or an opt out notice as required in 313.7. These are clear violations of federal law and I am directing all companies to stop disclosing my nonpublic personal information as is required by law. The account I am speaking of is XXXX XXXX XXXX CO through IQ DATA INTERNATIONAL Account Opened : XX/XX/2021 Account # XXXX
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| 09/21/2022 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Thank you for reviewing my complaint.
Complaint against : XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX Background : On XX/XX/XXXX, I sent an email to XXXX XXXX, the apartment XXXX at XXXX XXXX XXXX to inquire about options for my daughter XXXX XXXX XXXX to break her lease. XXXX informed me that the fee to terminate the lease was 2 months of rent ( {$2700.00} ) along with a 45-day notice.
On XX/XX/XXXX XXXX sent an email to XXXX XXXX apartment informing them that she was providing them with a 45-day notice with plans to move out on XX/XX/XXXX. XXXX XXXX contacted her on XX/XX/XXXX confirming he had received the email and that he would honor the terms provided in the email by XXXX XXXX. Additionally, he communicated to XXXX there would be no additional charges.
XXXX paid XXXX rent. She then sent a check to XXXX XXXX Apartments for {$2700.00}. The check was delivered on XX/XX/XXXX and XXXX confirmed that XXXX received the check.
Reason for the complaint : 1 ) Harassing phone calls, 2 ) pressured into providing account information, 3 ) withdrawing funds from XXXX account with providing details for the charges.
On XX/XX/XXXX XXXX received a Collections call from XXXX XXXX from IQ Data International , INC. During the phone call XXXX XXXX XXXX that she owed XXXX an additional {$970.00}. She told XXXX that if she did not pay the {$970.00} by XX/XX/XXXX, IQ Data International , Inc. would report her to the credit agency on XX/XX/XXXX ( 7 days later ). During the call XXXX pressured XXXX into providing her Credit Card information so she would not have negative credit. On XX/XX/XXXX, IQ International withdrew XXXX from her checking account, overdrawing her account.
XXXX felt forced to provide her account information as she was looking to rent housing in XXXX XXXX and did not want the negative credit reporting to impact her ability to find housing.
After hearing about the call, I reached out to IQ Data International Inc.
a ) We had no prior knowledge of any additional funds owed prior to receiving the collections call. We did not receive written notice of any additional funds owed.
b ) I asked XXXX what she was going to report the credit agency given we werent delinquent. She did not provide a response or any details as to what she would be reporting to the credit agency.
c ) When I asked what we owed {$970.00} for, XXXX could not provide any information. She did, however, give me hypothetical examples of what the charges could be She told me it could be for cleaning the apartment. She asked me if we had a walk through and if we didnt, it was probably for damages. ( note, XXXX stopped by the office on multiple occasions on the day we moved out and no one was in the office for a walk-through ) d ) When XXXX called XXXX XXXX XXXX XXXX inquire about the additional charges, they told her she did not owe any money and they currently processing her deposit refund. We provided a {$400.00} deposit when we signed the lease agreement.
( note, if you need examples of email communications, I can provide them upon request )
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| 11/30/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Ref : Credit Report Collection Account, XXXX XXXX XXXX, Dated XXXX XX/XX/XXXX To Whom It May Concern, I am writing regarding the entry on my credit report from XXXX XXXX XXXX regarding a debt they allege I incurred to XXXX XXXX TX in the original amount of {$7200.00}.
I fully and wholeheartedly disagree that I owe any debt to XXXX XXXX TX or XXXX XXXX XXXX.
On XXXX XX/XX/XXXX I arranged to lease an apartment at the XXXX XXXX XXXX complex, XXXX XXXX. XXXX XXXX in XXXX Texas. The rental rate for the apartment was {$730.00} per month and the lease commenced on XXXX XX/XX/XXXX.
On XXXX XX/XX/XXXX I found it was necessary for me to vacate the apartment due a change of employment and a family health emergency. I spoke with XXXX XXXX XXXX management personnel and inquired about options for a lease buyout. XXXX XXXX XXXX management personnel referred me to page number thirty-nine of my lease and the section titled LEASE BUYOUT AGREEMENT. I have attached lease page number thirty-nine to this letter and can provide a copy of the full lease if necessary. In accordance with the LEASE BUYOUT AGREEMENT section, XXXX XXXX XXXX management personnel determined and agreed that I could buy-out the lease by paying the buyout fee of {$1400.00}. I immediately paid the {$1400.00} buyout fee plus {$36.00} in ancillary fees in the presence of XXXX XXXX XXXX management personnel as is referenced on the attached copy of my credit card statement for that month. I vacated the apartment on XXXX XX/XX/XXXX and left the apartment in clean and undamaged condition.
I have had no contact from XXXX XXXX XXXX complex or XXXX XXXX XXXX until I noted the collection entry on my credit report and filed a dispute about the matter with XXXX. I would note that XXXX XXXX XXXX management personnel have had my correct and current address after I vacated the apartment as they had forwarded at least XXXX delivery to me that was received there after I vacated the apartment.
I deny that I owe any amount to XXXX XXXX TX OR XXXX XXXX XXXX and would note that the only correspondence I have received from either entity is a letter I received yesterday from XXXX XXXX XXXX dated XXXX XX/XX/XXXX in which they allege that I owe the original {$7200.00} plus accrued interest. A copy of that letter is attached. XXXX XXXX XXXX has not provided me with any verification, validation, billing or account statements, or any information regarding their ownership and authority to collect the alleged original debt or the reason that they believe I owe same.
I would like to dispute this debt and all reports and records regarding this issue on my credit report and would additionally like a copy of this letter and attachments to be included in my credit report and provided to anyone who requests same until this matter is resolved or the incorrect debt information is removed.
Thank you for your help and attention to this matter.
Sincerely, XXXX XXXX XXXX
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| 01/29/2021 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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IQ Data International Collection was added to my credit report as a collection fee of {$960.00} for a surety deposit that covered up to {$1500.00} from our previous property management XXXX XXXX XXXX in XXXX also operating under XXXX XXXX. I called IQ Data to ask about this erroneous debt because the surety deposit was paid in full, we had a separate security deposit of months rent at Northwoods and I also have the email from this property stating that the deposits went through and we have {$0.00} balance. I spoke with a bill collector who was assigned to my file, Mr. XXXX XXXX, and he falsely stated that I owe the entire amount, lied that he sent me notifications by mail and phone which I never received and when I asked the date he mailed them he said I dont know, I dont own USPS. I explained to him I never received any notification, I wasnt aware of this collection and that I had the assurance there was no balance owed to Northwoods or elsewhere. I told him to which e-mail I can forward the email from XXXX property stating {$0.00} balance and he said he doesnt have a company e-mail. The gentleman was very rude, aggressive, interrupted me, didnt let me talk or ask or give clarifications, and was not keeping a calm voice tone. It waa impossible to have a conversation with him, or with anyone else when I asked to be sent XXXX manager or supervisor, and I wasnt able to dispute this because all he was saying was I owe the money and all he can do is cut me deal to pay it today because he said it doesnt matter if I wasnt aware of this or notified by any means and refused to accept my documentation stating there is no amount owed to anyone. He also kept on saying that I dont understand how finaces work. Very disappointed and he kept on saying that I can say all I want but this wont take that off my credit report, so Is rather let him cut me a deal to pay today. I told him I am a XXXX XXXX struggling with money and that all I do is ensure I can pay for bills on time and food and necessities for my baby and try to fix my credit to soon apply for a house loan. I dont need this additional stress from something that is illegal and that can never be present to me in writing. I specifically asked to forward me the document he alleged he sent a while ago and he refused to do that, as well. I cant pay for something I am not responsible for and that fraudulent. I came across many complaints filed against the same debt collection company IQ Data International and this is unacceptable to take advantage of poor people and try to ask for money that no one owes! Please, please help me resolve this issue because that person on the phone assured me there is no way to take it out of my report than expecting me to pay something I dont even know what it might represent! I will send them a fax with that e-mail stating no balance is due that the property manager sent me, but I can not have the assurance that anyone will receive it or accept it as evidence, they may completely disregard it. Please advise how to proceed to get this fixed.
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| 01/10/2023 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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IQ Data International on XX/XX/XXXX put a collection on my credit reports. It was from an apartment complex in XXXX XXXX Minnesota ; after legally being able to get out of a lease - due to a fireplace that leaked smoke into the unit from adjoining units fireplace. This caused years of damage to my health, and smoke into the apartment. The apartment complex " XXXXXXXX XXXX XXXX XXXX '' claimed they remedy the situation, however according to a chimney inspector professional it was stated that the chimney needed to be rebuilt, as there were cracks in it. XXXX XXXX XXXXXXXX XXXX never took action upon this ; and just documented it on there records that it was fixed. Well due to this factor, and also a continued mold in the walls in the hvac closet & adjoining bathroom wall was a health hazard, and was repaired once, but thus came back again ( reverified in XXXX ), as I was looking at my old apartment # XXXX. However, in XX/XX/XXXX after battling XXXX and XXXX XXXX myself and other half had lost our only son at age XXXX. I with being XXXX was not able to work, and my other half could not continue working due to the stress effects after the death of our son. Therefore, I used the clause in the Lease agreement to move out, and get out of the lease. But, the apartment about 1 month after leaving billed me for a supposed Buy out of lease. The loss of income resulted in XXXX not having any other choice, but to move out and then we became homeless. The end result though was XXXX XXXX XXXXXXXX XXXX sent this non-paid bill to IQ Data International and as of XX/XX/XXXX in the amount of XXXX as a collections which went onto my credit reports. Still to this day almost 5 years later, I have been homeless & no apartments would let me rent and be on a lease. This has wrecked and caused so much anxiety & stress in life, and has ruined my life even more. My apartment at XXXX XXXX XXXX XXXX had been over a period of 13 years ... a very long term and good resident! Under the law regarding XXXX and XXXX XXXX it has applied to a discharge of my education loan, and also applies to Collections. I have contacted IQ Data International on many occasions via email, and the most recent was XX/XX/XXXX. As of XX/XX/XXXX there has been no response via email or my mailing address. I clearly stated this law with a Federal Document showing such, in addition to my verification of Permanent and Total XXXX proof that provided forgiveness to my education loans. This collection company is the worst ever, and plenty of reviews are on the internet that testify to this. IQ Data International if you call will be very rude, make threats, try to get someone to give them a credit card information and push paying the collection in full. There is no professionalism whatsoever, and ignoring my numerous requests is not in accordance with the law. I as a Permanent and Total XXXX individual, also with no income being exempt from this debt, qualifies for my collection to be completely removed from all credit bureaus ... .and immediate action taken.!!
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| 06/05/2023 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
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I will upload the rest of this explanation in the letter document I wrote to you. This is the start of the explanation, but I ran out of space.
I am contacting you because a dispute with XXXXQ Data Collections Agency has not been resolved after four months o fdefamation ofmy financial credibility, not to mention my integrity, characterand moral values in handling payments.
I am a co-signer for my son, XXXX XXXX, on his apartment rental contract. He moved out of XXXX XXXX in XXXX, TX, in XXXX, XXXX. This move wasa break XXXX contract due to an early exit. We paid the penalty fee as well as the XXXX rent in XXXX, XXXX. [ Receipt documents are uploaded in the email trail to XXXX, IQ Data, and XXXX XXXX XXXX. ] During the month of XXXX, XXXX, ownership ofthe apartment complex changed. We have always paid rent on time, in fact, usually the last days of the previous month. XXXX moved to his new apartment. We thought all was in order.
On XX/XX/XXXX, I received a call from Agent XXXX of XXXX XXXX, saying that we owed XXXX XXXX, {$3400.00}. This was the first time I had ever had to deal with a collections agency, so I asked her what I needed to do. She said I needed to pay her on the spot or she would report me to the credit bureaus. My son was XXXX XXXX and I live ni CA, so I decided to pay her, as she requested, knowing I could always dispute the case ifmy son had evidence of payments. I was unaware that she had already entered a collections account on XXXX on XX/XX/XXXX, the day before this call. I used my VISA credit card through XXXX XXXX to pay the sum she requested [ See XXXX XXXX credit card statement XXXX XXXX XXXX. Then Icalled my sonwho said that he had paid thecontract break penalty as well as the XXXX payment in XXXX, and he sent me receipt documents.
I called XXXX XXXX to inform them of the situation. They said I could file a dispute. I gave them the information over the phone. When I didn't hear back from them, I called them and was informed that I had not proceeded properly and was given clearer instructions. This starts the long email trail of explanations and attached proofdocuments to XXXX, XXXX XXXX, and XXXX XXXX XXXX [ See XXXX IO Data Dispute Emails ].
I did not hear from XXXX at all, but I did get a call from XXXX XXXX again after the dispute was filed. She said that since I took my money back, I need to pay her again or she would contact the credit bureaus. I tried to explain that I had not " taken my money back '' and that it was ni dispute because of the evidence of payment. She responded with something similar to : " Well, have fun reading your credit report! Enjoy! '' and she hung upon me. I was shaken and my XXXX was pounding, so I called XXXX XXXX XXXX and they said that the dispute was placed on the VISA platform and thatneither IQ Data norI could touch it. Soon after this, I received a letter from XXXX XXXX, dated XX/XX/XXXX, that I had won the dispute against XXXX XXXX and that the funds were returned to my credit card account [ See XXXX XXXX XXXX XXXX XXXX ].
|
| 10/05/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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My name is XXXX XXXX, a federally protected consumer, and I am making the complaint against I Q data international for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I have never given I Q data international any permission to use any of my identifying information to commit mail fraud or aggravated identity theft by contacting me about an alleged debt they claim I owe. I have attached an FTC report which will be used when filing for litigation in Federal court to this complaint. I am aware that the in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and and the assigned are both liable for violation under 15 U.S. code 1692e ( 12 ). I have not validated any alleged debt with I Q data international and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2023, I have not received any documentary evidence, such as a trilateral contract, giving I Q data international any right to collect on this alleged debt. It is my belief that I Q data international is attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. I have never received any documentation requesting validation from I Q data international before they committed multiple violated multiple violations under the FCRA and FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S code 1692d ( 4 ) which the FTC defines as debt parking. If I Q data international can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until I Q data international can provide me with sufficient documentary evidence that I have the legal obligation to pay them. If this documentation can not be produced and I Q data international continues its collection efforts I will file for litigation for actual damages caused and I Q data international will be held criminally liable for aggravated identity theft pursuant to 18 USC 1026A, extortion, theft by deception, security fraud, and mail fraud. Also I Q data international has committed a violation by reporting this alleged debt as a charge off which is in violation of 15 USC 1692d ( 4 ), advertisement of sale of any debt to coerce payment of the debt. I Q data international has increased the debt amount five times unlawfully in attempt to coerce me to pay an alleged debt for they have no proof belongs to me when they have no lease with my signature which has to be in result of identity theft.
|
| 07/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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I moved out of an apartment complex XX/XX/XXXX after breaking our lease early. We paid over {$4000.00} in fees to break our lease early, which I have documented proof of. In XXXX, the apartment complex reported to IQ Data International that we had : cleaning fees '' that had gotten sent to collections from said apartment. It lists that we owed {$150.00} in " housekeeping fees '' and {$120.00} for " carpet cleaning ''. Let me clarify, that I have documented photo and video proof that when we moved out the unit was in pristine condition, XXXX better than when we moved in. When we moved in there was old spider nests on the ceiling in our bedroom, broken window blinds in multiple rooms, and holes in the wall that were plastered over but never painted over again to match the walls & dirty, stained windows. It was disgusting and I have photos of all of it. Our unit was also 100 % hardwood floors, there is no carpet for there to be a " carpet cleaning fee '' for. As stated, I have documented proof of all of this.
The complex also never even attempted to reach out to us regarding these cleaning fees prior to sending them to collections. When I reached out to IQ Data International to dispute these charges, they were absolutely no help. They screamed at me on the phone and laughed at me as well, I was almost in tears. When I asked for proof of this debt being owed, all they showed me was a receipt from the complex for the fees, not any actual proof of such damages.
I have been trying to resolve this with the complex ( XXXX XXXXssing ) and their property management company XXXX XXXX XXXX XXXX, Previously XXXX XXXX ) for over a year now. It is literally impossible to get ahold of anyone in either offices, after tons of emails and hundreds of calls.
I eventually filed a complaint with the XXXX XXXX XXXX. The property management company replied to me stating that these fees are because of us breaking our lease early. Which, like I said, I have documented proof FROM THEM that we paid our lease break fee, and that this collections report was strictly only for cleaning fees ( which are fraudulent. ) Now they are trying to change their story over what the report was even for?! I don't know what else to do, neither XXXX XXXX XXXX or XXXXXXXX XXXXXXXX XXXX XXXXt is helping me to resolve these fraudulent reports, even after going to the XXXX. My next step is to take them to small claims court. This has been negatively effecting my boyfriend & I 's credit for over a year now. Please help me get this resolved. I have uploaded supporting documents that show these are for cleaning fees, which on the same receipt shows we paid our lease break fee as well as an email from the complex from XX/XX/XXXX stating my account had a XXXX balance. I have also uploaded photos of our unit upon move-out that show it is clean, and has no carpet. Lastly, I have uploaded a screenshot from the property managements reply to my XXXX complaint, lying and stating this is a fee for breaking our lease early.
|
| 01/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
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On XX/XX/2022 I called IQ Data International because I received a collection notice in the mail. The amount was due to moving out of an apartment and the final bill associated with the move out. I did not have the bill from the apartments so I was not able to see the itemized charges/or confirm the amount due. THis ( the collection notice ) was the fist mention of the charges to me. I recently moved ( obviously ) I asked the assigned agent to please provide to because I am unaware of the charges and wanted to know the itemized listing of the charges instead of being told it was " damages and utilities ''. Instead he got upset and proceeded to tell me its too late if I don't agree with the charges because I should have been at move-out inspection to refuse them. And some other stuff if I'm not paying about my willful invasion or something. I let him know I was unaware to be present at move-out to do so as I was told ( by the apartments personnel ) to just leave the keys and a bill will be sent. He said it was in my lease and continued that even if I don't agree with the amounts charged from the apartments it was too late to dispute them. So I said fine but I would still like to know what I am being charged for to make sure I agree with the amount. He refused and said he will not waste his time to do the extra work or get his manager to waste their time to provide itemization of the charges for someone with no intent to pay who will just hang up in the middle of the call.
I intended to pay, hence I called. I just wanted to verify the amount being charged to make sure It was no extra fees and that was the actual amount from the original creditor because I've had experience of collectors adding unverified charges to consumer accounts. I thought it was a given right to know that information.
So, I just said I will hang up because he was getting upset about something or maybe he was in a bad mood today. I don't know why, its not like I asked him for money. So I called back and was transferred to him again and politely asked to speak to someone else. I waited on hold then decided to hang up and call back because I wanted to get it resolved but also know that the amount is not inflated, especially since they were charging interest on the account.
I called and asked to speak to anyone but the case person assigned to my account. They were friendly and I paid the amount because that was the whole point of calling and I didn't want more interest charges. She informed me I could pay and dispute the charge or something but I just wanted to verify the charged amount. I wasn't saying I disagreed or agree with the charge but I only wanted the amount confirmed and itemized so that I could know there were no extra charges in there from the debt collector aside form the interest charges I found out about today. I don't mind paying what I owe. I just want to know that I am paying for what I actually owe and that the charges are all mine. I was not given the opportunity to check.
|
| 01/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
IQ DATA INTERNATIONAL INC CORPORATION SERVICE COMPANXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX, UNITED STATES To : XXXX XXXX XXXX XXXX XXXX for IQ DATA INTERNATIONAL From XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Administration of the XXXX XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.
2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.
3 ) Documentation that shows I agreed to pay this debt with my signature.
4 ) The Agreement that grants you authority to collect on this alleged debt.
5 ) A copy of your state license, including license number that give you rights to collect in my state.
You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX AT XXXX MI is authorized to administrate ( acting trustee ) on the { XXXX XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX XXXX XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction.
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.
Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.
I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The Better Business Bureau to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have.
You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for XXXX damages.
Consumer disputes this debt and ALL claims in accordance of 16 CFR 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable XXXX Articles.
If you lack understanding of this paperwork, forward to your ATTORNEY.
By : XXXX XXXX XXXX
|
| 07/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
I RENTED XXXX XXXX MONTHS LEASE PAID ALMOST {$2000.00} UP FRONT FOR A {$1000.00} PER MONTH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I PAID ALL FEES WITH RENT WHICH INCLUDED RENTERS INS, SEWER, TRASH, WATER AND HANDLING FEES. EVERY MONTH ALL ON TIME NO LATE FEES. AND GAVE NOTICE BY MAIL ON XXXX STATE AUTHORIZED XXXX AND MAILABLE FORMS OF MY INTENTION TO VACATE AT THE END OF THE LEASE XXXX XXXX. MAILED CHECKS ON TIME.. MAILED KEYS BY CERTIFIED MAIL WITH RECEIPT IN XXXX BEFORE THE END OF THE LEASE. I HAVE ALL THE PAPER WORK AND THE CERTIFIED RETURN MAIL IN MY FILES TO PROVE THIS. BECAUSE OF ILLNESS AND FROM XXXX XXXX. I HAVE THE RETURN RECEIPT TO PROVE THIS. LATER INTO THE LEASE THE XXXX TOLD ME ON SIX MONTH LEASES THEY DO NOT GIVE BACK MY DEPOSIT ON SHORT TERM LEASES. I HAD A {$500.00} DEPOSIT. AFTER 6 WEEKS LATER THEY SENT ME A BUNCH OF EMAILS THINKING I HAVE NOT MOVED OUT YET. I RESPONDED IMMEDIATLEY TELLING THEM I HAVE THE CERTIFIED RECEIPT THAT THEY RECEIVED MY KEYS. THEY THEN SENT ME AN ERRONEOUS BILL THAT I IMMEDIATELY DISPUTED. THE UNIT WAS NEVER SLEPT IN. WE RENTED THE UNIT BUT WE NEVER SLEPT THERE BECAUSE I GOT XXXX XXXX FROM THE XXXX XXXX. WE WENT BACK TO XXXX AND I NEVER RECOVERED ENOUGH TO TRAVEL.. WE PAID THE RENT ONLY BECAUSE WE SIGNED THAT WE WOULD ON THE CONTRACT. THEY ARE A XXXX OUTFIT. FROM THEIR DEMEANOR WAY UP FRONT. LIKE FOR INSTANCE YOU HAVE TO GIVE US 60 DAYS NOTICE TO VACATE WHEN THE XXXX STATUTES SAY 30 DAYS. I GAVE THEM THEIR LOUSY XXXX DAYS NOTICE IN XX/XX/XXXX AND THE LEASE IS OVER XX/XX/XXXX. THEY NOW HAVE BOGUS CHARGES FOR ALL KINDS OF STUFF. INCLUDING 2CLEANING FEES. IF THEY WANT TO CHARGE A CLEANING FEE THEY NEED TO COLLECT THAT UP FRONT LIKE I DO IN XXXX WITH MY XXXX. YES I HAVE XXXX IN XXXX XXXX. THEY CHARGED $ XXXX AND $ XXXXCLEANING FEE AND LIKE I SAID WE XXXX HAD TIME TO COME BACK TO THE UNIT TO PARTY IN XXXX XXXX BECAUSE I GOT SICK WITH XXXX FROM XXXXXXXX XXXX WE ABSOLUTELY DISPUTE THIS BILL AND WE WANT OUR {$500.00} DEPOSIT SENT BACK TO US MINUS ANY SEWER, RENTERS INS, WATER BILL, TRASH BILL CHARGES. THEY WERE SENT THIS MANY TIMES BY EMAIL AND CERTIFIED MAIL. LOOK WE ARE XXXX AND XXXX XXXX OLD WITH A XXXX SCORE OF XXXX .. WE HAVE VIRTUALLY NO DEBTS. WE PAY OUR BILLS OF WHICH WE HAVE NO CREDIT CARD DEBT. ONLY A SMALL HOUSE PAYMENT TO A XXXX XXXX FOR {$270.00} A MONTH ON A HOME THAT IS IN A XXXX XXXX. GOOD LUCK TRYING TO COLLECT OR DAMAGE US. THE BIGGEST THING IS I WANT TO SUE AND STRAIGHTEN THESE XXXX OUT FOR GIVING ME A HARD TIME. THEY ARE PURPOSELY DOING THIS TO MANY OF THEIR EX RENTERS. THEY HAVE ABSOLUTELY NO RESPECT FOR THEIR CLIENTS. THEY DIDN'T SUE ME AND MY WIFE. MY WIFE GOT TH3 I Q DATA INTL INC IN THE MAIL STATING SHE XXXX XXXX XXXX XXXX DATED XX/XX/XXXX REF XXXX WE TOTALLY DISPUTE THESE CHARGES AND WANT OUR DEPOSIT BACK PRONTO.
XXXX XXXX XXXX I TOTALLY DIS PUTE THE ERRONEOUS CHARGES AND DEMAND MY DEPOSIT TO BE RETURNED SIGNED XXXX XXXX XX/XX/XXXX XXXX
|
| 05/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
On XX/XX/2021, my employer received a call on my behalf from IQ Data International, during this phone they stated they were attempting to collect a debt, and explained the alleged debt owed, I explained that I was not sure I owed the debt and even if I did, I wouldnt have the finances to pay it right now. At that point the representative stated if I did not find a way to pay this, he knew where I worked, and could make life very difficult for me as I am in the military, I asked him if he was threatening me and he stated he was just letting me know what he could do. I told him I wanted to work this out, at that point he said hed get someone else on the line. He then transferred the call to his manager. When she got on the phone she started yelling immediately, I told her she was contacting me on a goverment line and needed to contact me on my personal phone from now on, she then stated good now that I know you work in the government I will contact all of your higher ups and keep calling your job until its paid. She then started giving me payment options, at this point I had to return to work so I told them Id call back. At lunch I called back to try to discuss getting a debt validation letter, and he said he couldnt do that but could go over the charges with me and started going through them. I told him I dont have money for this debt and I cant pay it if I dont know I owe it. And he told me I needed to use a family members credit card, or max out my cards, or do whatever it takes to pay this, otherwise hed put this on my credit and it would make life very hard for me. I told him Id need time to figure something out.
I later called them back, after consulting with an attorney. And asked XXXX XXXX with IQ, if he could please just send me a debt validation letter. And he began asking me why, said he could go over all the charges with me, said it was wasting time, and asked if I would agree to pay the debt if he sent a letter. I said no because Im unsure I owe the debt, and would like to verify it. At this point he said he was done dealing with me and was sending it to collections so I needed to speak with his manager. She came back on the line and asked why I wanted a debt validation letter, I stated it was because it was my right, and I wanted to make this work but idk if I actually owe it, at this point she started screaming and saying I was stalling, I was being as polite as possible and she just kept yelling about how I wasted her time and she was putting this in my credit immediately and now I wont be able to buy a house and shed make sure my job knew about it. I requested all communications be in writing and through me, and she said no shed be calling them today. I recorded the entire call, and have detailed proof of their threats and refusal to validate the debt and send communications in writing and cease contacting my employer. The file is larger than 10 mb, and will not let me upload, but I am happy to email it.
|
| 01/31/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XX/XX/XXXX I received a call from IQ data regarding collection matter. The representative XXXX proceeded to inform me of outstanding balance owed to previous property management company XXXX owned by XXXX XXXX XXXX. I informed XXXX this is first time I hearing about this and it was fraudulent placed upon hearing the items. I had resided at XXXX from XX/XX/XXXX to XX/XX/XXXX. I had paid all my bills on time even during XXXX. During my residency I had caught the property manager placing fraudulent charges which would be fixed upon contacting thier law firm. During my stay there was numerous fraudulent practices including trying to raise my rent claiming they did not have lease in file. I provided lease they destroyed along with documentation for carpet and other things they never fixed. At this point it was clear this company that does fraud as business practice to destroying lease documents. I moved out on XX/XX/XXXX and have paid all my rent on time and confirmed it was XXXX balance with staff due to concerns of thier integrity and fraulent businness practice I experienced during my stay. I notified IQ data of this being deliberate fraud and send email documentation of my correspondence with XXXX upon my move out.
IQ Data seemed not address the matter and threathend to place negative reports on my credit. I had contacted the Operator and Manager XXXX officer of company from XXXX XXXX and notified her of this being case of fraud and requested her to call me back. After XXXX voicemail she did not return the call or address documentation provided proving falsied debt placed.
On XXXX XXXX IQ data placed a negative report on my credit. I have XXXX credit and they dropped below XXXX on a falsified debt they are aware was fraudulent placed. I ask FTC to request IQ data to remove fraudulent collection and look into criminal laws broken regarding fraud on thier client XXXX as well as IQ Data for placing fraudlent collections. This us practice this company is assisting in fraud and helping XXXX extort money from past residents. This is white collar extortion for debt made up with any merit. I attached screenshot of charges the placed. The carpet was very old and was told they would replace it with hardwood like all othe apartments which was never done and than put this frivolous charges together along with tub refinishing for bathroom they were notified of issue going back XX/XX/XXXX which they never properly even fixed. This complex is going through renovations and I was living in unit they did not even change carpet out comparef to all the other units which were hardwood, its blatant fraud when are charging for things which were the responsibility to fix while was tenant. I was promised hardwood due old carpet upon move out and was first thing they had false promised on but than to see it placed fraudlenty as a debt is gross misconduct and fraudulent business practice they are doing.
|
| 02/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is in regards to Complaint Number XXXX. This account is a joint account containing misinformation, inaccurate information and it's attempting to collect upon a debt illegally.
On XX/XX/2021, sent a letter disputing the validity of this debt. The response to the letter of dispute was a debt notice letter dated XX/XX/2021. IQ Data International responded without presenting any evidence supporting their claim that I owe this debt. This first correspondence reads like the first notice of debt collection, only sharing the principle balance and including interest fees and not addressing any of the written requests from my initial letter. Both parties within this account have reached out to this company and received the same type of lackluster response.
A second letter was sent to again, request further detail information about this debt that's alleged owed to this parties on this account. After not hearing back from IQ Data International within the legal 30 day time frame, a letter was sent out XX/XX/2021. This letter detailed the lack of timely correspondence between IQ Data International and the parties on this account, also detailed the FDCPA and FCRA violations. Three days later there were letters received dated XX/XX/2021 but postmarked XX/XX/2021. These letters deceptively try to pass off as " validation of debt '' requested XX/XX/2021. Two months later, these letters have attached itemized charge lists with inaccurate information and fraudulent, double charges with no description or photos attached. There is no written agreement, contract or signed notice verifying this debt.
All of these unlawful practices has caused detriment to the documentation of the correspondence with this company while in pursuit of rectifying this matter. It has also created consumer distrust in this company and their permissible purpose to collect debt. I have no knowledge of this account, the alleged fees or the claims made that I owe this debt. This company continues to accrue interest and frequently reports this misinformation to the National Credit Bureaus. Everything aforementioned are clear FDCPA violations.
To be clear, I have not entered a contract with this agency for collection of any debt they claim I owe or the illegal interest accrual, late charges or anything else they claim is owed nor do I accept ownership of this account and charges listed. Each instance of this process has been documented since XX/XX/2021 and the deceptive practices this company continues to take part in such as misrepresentation, illegal collection of debt and interest fees, failure to validate/verify legal debt and failure to comply with federal and state laws. They have added over $ 300+ in interest and have refused to provide any proof showing their right to collect this debt or oversee this account with my personal information.
|
| 01/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This statement is to dispute the collection balance of {$1500.00} from IQ Data International/XXXX XXXX XXXX AZ reported to the credit bureaus, XXXX and XXXX, XXXX XX/XX/XXXX. Myself, XXXX XXXX, XXXX XXXX, and XXXX XXXX signed a lease to move into an apartment with XXXX XXXX XXXX AZ on XX/XX/XXXX and were due to take possession of XXXX XXXX XXXX XXXX # XXXX XXXX, AZ XXXX on Friday, XX/XX/XXXX. The apartment was under construction and we received notice that occupancy was delayed and that the apartment should be ready for move-in on the evening of Saturday, XX/XX/XXXX ( after office hours ). When my friends and I went to start moving in on Sunday, XX/XX/XXXX, the apartment was clearly still not ready for move-in. There were dust and floor-board trimmings everywhere and open exposed wiring. I submitted a written notice of cancellation according to the terms of the contract, and the group acknowledged receiving the notice the following Monday.
I never lived in this complex and that is why there is no history of monthly rent or listed address for this property on my credit report. In addition, I paid an upfront security deposit of {$1800.00} to the company which was never refunded, per the terms of the lease contract. I am attaching the 3rd page of my signed lease, which states that I may terminate the lease up until the time the apartment is ready for occupancy ( see section 15 ). I am also attaching my written notice of cancellation with photos of the apartment from XX/XX/XXXX. Lastly, I am attaching a signed and dated letter from my friend showing I occupied his home rent-free from XX/XX/XXXX until XX/XX/XXXX, when I initiated a new lease with XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX and an insurance document billed to the XXXX XXXX address during the time frame XXXX XXXX XXXX claimed I was living in their apartment.
I am shocked to see this collection come up on my credit report a year and a half after this event, and I am not exactly sure what it is for. I have no history of late payments on any of my credit accounts because I am highly accountable and take my credit obligations extremely seriously. I never received a billing notice from the property management company. I wrote the debt collection agency and called them multiple times to request an explanation and can not get a response. The process of trying to move-in and then cancelling with XXXX XXXX XXXX AZ was extremely stressful and now they've damaged my credit score and I feel helpless. I wish I had researched this group sooner because I found a lot of negative remarks about them online after my bad experience, and it looks like they have already been sued more than once. I am also attaching a letter sent to the debt collector requesting an explanation for this charge, which they did not respond to.
|
| 02/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Back in XXXX of 2020 I had my son via csection I went back to work early even after my doctor advised staying out longer to heal and I declined due to bills needing to be paid on time. I had a great paying job and never had issues with paying anything on time until XXXX of 2020 ; a terrible pandemic happened. A week into returning to work I received a phone call with having a 6 week old stating my job was being shutdown due to 5 people contracting COVID and I was exposed to those people so the entire restaurant had to be shutdown until further notice. I still kept on with paying my bills on time without any income coming in being grateful for the savings account I had. Time ran its course and I couldnt return to work until mid XXXX when I received a phone call stating I am able to return to work ; because of this in return bills started piling up. I contacted the leasing manager for Maple Leaf Apartments ( XXXX XXXX ) via phone call which they state all calls are monitored and recorded of my then apartment complex letting him know Ive exhausted all my resources and I asked would there be any penalties for breaking my lease to move in with family to get back on my feet with an infant and daycare also being shut down due to COVID at this point all my bills were current. Rent wasnt late, never have been. I reached out before it got bad for me financially because I still had to provide for my infant. I was verbally told by XXXX XXXX that there were no penalties and that our rent was paid for that month and we would be free to go. I asked several time and he assured me that there were no penalties for having to break my lease during such a terrifying time. Apparently that was false because a debt collection hit my credit which I wasnt notified about til XXXX of 2020 by IQ Data International and that was by me using XXXX to find out where this was coming from. They have called several times aggressively after I was trying to find out information on why I was being told I have to pay {$3000.00} without an explanation Ive tried to get them to explain to me what was going on because I was extremely confused which has gotten me nowhere. After every call they never sent out a letter to me within 30 days or even at all. I have a video still of that specific apartment with the date to prove there was absolutely nothing wrong with the property and I still have no answers after speaking with them just trying to force me to pay and be extremely rude with inaccuracies regarding the property that I only lived in for 6 months. Please help me. Ive tried to upload the video for proof of the property being in perfect shape but the video is a little over 2 minutes long so the file is too big. If there is another way to send over this video because it is important I have no problem doing so.
|
| 02/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
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The first phone call I had with I.Q Data International Inc. was a year and a half ago horrible experience. The lady got so rude because I wanted to make payment arrangements because I couldnt pay the full amount of {$540.00} and she wanted the full amount paid. Claiming I had enough money to pay according to her calculations because she knew what my monthly expenses were. She was demanding repeatedly I pay with my credit card I told her I wasnt going to do that and since I wasnt getting anywhere with her I hung up. Months later I got on the phone with them again and this time it was a man and the same thing happened and once again I hung up the phone. I thought this can not be the way they treat people so I called again same situation asked to speak to someone else and it just got worse and so I hung up the phone again. In XX/XX/2022 I got a letter the amount is now {$620.00} the letter says I can settle by up to 30 % if I pay by XX/XX/2022 so I called today ( XX/XX/2022 ) I told the man that answered I got a letter saying I could settle the account for 30 % he says you can do that or you can pay the full amount and have it removed from your credit? I said no I want to settle he says I have to see if you qualify for hardship ( no where in the letter it says that I have to qualify and get approved for that 30 % ) he went on to ask me how much was my rent, car payment, monthly credit card bill, and if I got a personal loan I said yes, he also asked if I was collecting unemployment I said no. Told me to hold on he came back on the line and asked again if I wanted to pay the full amount and have it removed from my credit told him again no, then he says its {$520.00} told him I couldnt pay that then his tone of voice change asked me how much I could pay, I said {$200.00} and he got more aggressive and loud saying thats not even 30 %? 30 % is like {$400.00}? this is why you dont qualify for hardship because you refuse to pay. Pay with your credit card and be done with it I said no Im not using my credit card. He says you got a personal loan why didnt you pay it? I said I had to use the money for something else ( got this loan a few months after COVID started to pay rent because I was unemployed and my husband work was very slow ) and he says in a very harsh voice Im not here to hear your excuses! At this point I had enough and hung up the phone. I have made several attempts to pay them but instead they get so aggressive, rude, demanding, trying to intimidate me by the way they talk because they want to force me to pay the full amount with my credit card. They sent a letter and dont want to honor what they say. The letter says to call in order to secure the offers instead they get you to try to pay the full amount and if you disagree they insult you in anyway they can.
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| 03/22/2021 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I filed a cfpb complaint for company IQ DATA INT regarding debt validation and proper paperwork being sent out company responded to complaint with this message. Company reported debt amount as seen below ( XXXX ) however is reporting a different amount XXXX {$7000.00} XXXX on my credit report and in violation of FCRA.
Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Date : XX/XX/XXXX Consumer Financial Protection BureauXX/XX/XXXX XXXX Iowa XXXX, IA XXXX XXXX : Complaint of XXXX XXXX Case Number : XXXX Internal Reference : XXXX We have received your dispute letter of XX/XX/XXXX, in which you indicate that you did not receive validation of your account in our office. We collect amounts owed to rental properties, and our records reflect your account was placed with our agency on XX/XX/XXXX, to collect {$6200.00} owed to our client, XXXX XXXX Apartments. Initial notification, with instructions to dispute or make payment, was mailed on XX/XX/XXXX, to the addresses supplied by our client which was not mail-returned and deemed received. Our records reflect that our office processed a certified validation request from you on XX/XX/XXXX. In response our office mailed a copy of your final statement to you on XX/XX/XXXX to the address that you submitted with the dispute which was not mail-returned and deemed received. The purpose of validation is to ensure the correct person is being requested to pay the correct amount for the correct creditor. The documents our office sent you are in compliance with that directive. It itemizes the individual charges associated with the balance assigned. We believe this account to be valid and the current balance of {$6200.00} remains due. We encourage you to contact our office to discuss payment options or to address any questions about the account. Thank you for the opportunity to respond to this complaint. IQ Data International , Inc. ( IQ Data ) is committed to treating every consumer with the dignity and respect to which they are entitled and is committed to its compliance efforts and ethical debt collection practices. All collection employees are trained by a certified Trainer Specialist and, as a requisite of employment at IQ Data, the employee is required to become certified through theXX/XX/XXXX as a Professional Collection Specialist. Additionally, IQ Data has received the elite designation of a Professional Practices Management System accredited agency through XXXX XXXX, the primary credit and collection industry organization. Sincerely yours, XXXX XXXX XXXX XXXX XXXX I.Q. Data International, Inc. This communication is from a debt collector attempting to collect a debt and any information obtained will be used for that purpose.
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| 05/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I asked for verification of debt and was sent a ledger that was not the same as my move-out statement. The ledger has various charges that are confusing to figure out because payments received were not credited or placed in the right column and subtracted from the initial balance. I am being charged for an eviction that was dismissed in court. I am being charged for late fees that can not be accessed to me because Section 8 federal housing was paying the full rent so any late fees would have to be directed to them. I am only receiving partial credit for my rent even though since XXXX acquired the property my rent has always been the same amount. They are only given my credit for {$310.00} of my security deposit but from their own records if they are correct I paid {$620.00} dollars which would more than pay the debt in question and I would be entitled to a refund which was not provided when I moved out. I am also being charged for rent after I was completely moved out. Same on the move-out ledger, payments are not placed in the payment column and are not subtracted from the outstanding balance. Which makes understanding it confusing. After my attorney reached out to section 8 he informed me to contact I.Q. Data International Inc for an updated ledger. I sent a demand letter asking for the ledger to be updated based on the information I sent them. I sent my lease, move-out statement, vacate notice, XXXX contract and payment ledger, info on five-day pay and eviction procedures according to The Housing Authority, five-day notice , and court proceeding that was not provided to Housing Authority ( section 8 ) . The demand letter and supporting documentation was received on XX/XX/2023, and picked up by an individual at the post office at XXXX XXXX per the post office XXXX XXXX. I have heard nothing back from XXXX or I. Q. Data Inc. I have enclosed the closing letter from the attorney that represented me in court and the demand letter they sent to section 8 asking for them to pay the late fees that XXXX on XXXX claims I owe. Section 8 provided proof to my attorney that all late charges were reversed and is shown on the ledger that was sent as verification of debt to me but it is still on my credit report. I enclosed the demand letter asking for a new ledger or for the information to be corrected from XXXX and I.Q. Data Inc, I enclosed the ledger sent to me and the move-out ledger which is not the same and does not reflect the correct charges. I am asking for a new ledger and if I owe anything for that to be reflected on the updated ledger and on my credit report. For all correspondings to be in writing. Or for this to be taken off my credit report and for them to stop trying to charge me for things I do not owe, also in writing.
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| 03/19/2023 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I moved out of XXXX XXXX XXXX XXXX in XX/XX/2022 and submitted my notice in writing to move out by the end of XXXX. In that written notice I requested a copy of the move out charges be mailed to my new address which I also included in the letter. I never received anything. On XX/XX/XXXX, I get a message at my job to call back a man named XXXX. I call back and its a debt collector with IQ Data demanding I pay the balance in full immediately. I explained to XXXX I had every intention of paying for what I owe but I had not received a breakdown of what I was being charged for. I explained that I was told I wouldnt be charged for certain things and I needed to know that I wasnt paying for something I dont owe. I also need to know how my security deposit was applied. XXXX claimed he was going to email me this exact information then tried to pressure me into paying before I could see this email. I asked why I wasnt able to dispute the debt and he responded by saying I could only dispute it if I paid for it. I know this to be a violation is section 809d of the FDCPA, so I demanded I be able to check my email and review the information before I called back and paid. XXXX proceeded to tell me that if I did not pay before seeing this proof he would mark the account as a refusal to pay and take the further action. I explained that I knew my rights and would be calling back as soon I I reviewed the email. What I received was a list of charges all described as move out charges and nothing showed my security deposit was applied toward the balance. So I called back and complained to a manager. She also tried to mislead me into thinking I did not have the right to dispute until I brought up the CFPB. Then she explained that I would need to submit my dispute in writing though she did say an email would suffice. I immediately emailed the dispute to the address she gave me, explaining that I need more than a generic list of unspecified charges including a breakdown of how my security deposit was applied. On XX/XX/XXXX they finally mailed me the exact same proof they had emailed me in XXXX. I sent a follow up email explaining, the documentation they sent was not sufficient and I reiterated what information would be necessary to properly validate the debt. I have not received a response but I did just get an alert that the collection account has hit my credit. I dont need credit for anything, however I was not given the opportunity to pay what I legitimately owe before they reported it. I have been forthcoming about my intentions and due to the unethical and illegal practices of IQ data I have suffered stress and financial repercussions that should have been avoided had they respected my rights as a consumer.
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| 01/22/2022 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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I have disputed this on more then one attempt and CFPB closed account without investigating my complaint against IQ Data international false claims. CFPB states that A debt collector may not collect any interest or fee not authorized by the agreement or by law.
The interest rate or fees charged on your debt may be increased if your original loan or credit agreement permits it and no law prohibits the increase, or if state law expressly permits the interest or fee. I have argued this fact in my previous statement and nothing has been done about this false claims by this debt collector. I have not agreed nor signed anything agreeing to a third party interest or any kind. IQ Data international states in this letter stating under the CFPB Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, IA XXXX Re : Complaint of XXXX XXXX Case Number : XXXX and XXXX Internal Reference : XXXX We have received your dispute letters of XX/XX/XXXX and XXXX, XXXX, in which you dispute the interest charges on your account in our office. We collect amounts owed to rental properties, and our records reflect your account was placed with our agency on XX/XX/XXXX, to collect {$640.00} owed to our client, XXXX XXXX. Initial notification, with instructions to dispute or make payment, was mailed on XX/XX/XXXX to the addresses submitted by our client which was unfortunately returned as undeliverable. Our office again mailed notification to your updated address on XX/XX/XXXX. Our office disagrees with your assessment regarding charging interest. Your account is accruing interest of 7.00 % per annum as allowable by law. This interest rate was disclosed in your initial notification.
Under what Law is this allowed under Fair Credit Act? Under the 807. False or misleading representations. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
IQ Data has been sued for this same Tactic more then XXXX times. I request this company provide proof they are entitled to this false claim stating I agreed to this debt or even signed any agreement stating I agreed to a third party interest fee. CFPB failed to investigate this false claim and I have been asked by my legal counsel to try again. If this complaint can't be resolved I will be moving towards legal matters suing both CFPB an IQ data international
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| 05/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with fraud alerts or security freezes
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Web |
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I called XXXX on XX/XX/XXXXXXXX in regards to a debt collection in my account in which I had disputed. I explained to the representative that I have a security freeze on my account in which I had on there since XX/XX/XXXX. So I was confused how someone was able to gain access to my credit report without me removing the freeze. The rep explained that because I had a fraud alert in my report he had to transfer me to the fraud department. After being transferred I explained the same situation to the new rep. He then explained to me that they do not validate debt and I quote these were his words. I then repeated what he said and he said yes. We dont get any contracts or anything elses from the creditor saying that the debt is valid. He said all we do is ask the creditor if the debt they listed is valid and if they say yes we inform you that the debt has been validated. I then expressed my disbelief and asked how would they know that the debt even belong to me. I also expressed that it was impossible for it to be mine as I had no dealings with this company before that was reporting the debt and that the debt being reported was from XX/XX/XXXX in which I had not open any accounts with anyone during that time. I also advised that I have a security freeze on my report. He then says well let me validate who you are so that I can access your report. I give him my Information and then he says he needs to ask a series of questions. He starts to ask questions that I am unfamiliar with as I have no association to any of the questions asked. He then claims he cant validate who I am and that I need to hang up and call back to speak to someone else to get new questions. Well I never called back and submitted a dispute in writing with a certified attached. Im saying this to say that XXXX has unfair dispute practices that allows creditors to put negative collections on your report without having to provide documentation that the debt belongs to you. XXXX at this very moment is costing me financial hardship and continues to do so after allowing XXXX XXXX to open credit in my name during a time that a fraud alert was put on my credit report. XXXX removed the XXXX account but later allowed XXXX XXXXXXXX a collection agency put the same account on my report and claimed it was valid after I disputed it citing that the account was sold to XXXX XXXXXXXX XXXX XXXX Please dont allow XXXX to do this to anyone else and allow there reputation and credit to be harmed because they lack the dignity to verify collections before putting them on credit reports. I am requesting XXXX deletes accounts from XXXX XXXX that were sold to XXXX XXXX XXXX and any other agency as well as these accounts from IQ international.
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| 03/29/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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In XX/XX/XXXX I received an alert on my credit report showing delinquent accounts that had been given to a collection agency. This had happened to me previously, 2 years prior and similarly, I had no knowledge or consent given regarding the accounts and with deeper inquiry had found inaccurate addresses listed in my personal info on my credit report as well. The accounts were quickly verified as fraud and I had my credit report updated to remove the incorrect Georgia addresses as well as a fraud alert statement added and then my credit frozen with all 3 bureaus ; this was completed in XXXX and neither the alert nor credit freezes had been removed when I received notice of these new " delinquent accounts '' in XXXX of this year.
I reached out to the collection agency, IQ Data International using the information listed on my credit report and was told that they would mail me a fraud packet regarding the fraudulent activity from XXXX XXXX XXXX ( GA ). When I hadn't received this packet within the week, I called back for an update and was told it had already been sent, but since I had been told by their agents that I would only have 10 days to dispute the charges, I requested a second packet be sent. In the meantime, I sent my own packet to the collection agency with my ID Theft Report, a notice to furnishers, and my government issued ID on XX/XX/XXXX. I received from them 3 days later a letter informing me of the debt they were holding me accountable for, and at that time I mailed them back their requested copy of a police report, proof of residency ( I have never lived in GA and have been at my current residence for XXXX years ), and my government ID.
On XX/XX/XXXX I received the initial packet back in the mail as undeliverable, so I called the collection agency to check for updates. They confirmed they had received my response to their letter and said they had reached out to the supervisor at the apartment complex. I have been unable to find valid information online for the apartment company listed as the initial account, and the number I did find was someone's personal phone line ( they hung up on me when I asked questions ). I asked the IQ Data agent if they were able to also give me the address for the complex so that I could send them notice of my identity theft and they quite aggressively told me they would not do that and that I could wait a week and call them back to see what they decided and then they ended the call. I called back immediately and asked an agent for a good mailing address to send in additional documentation ( the packet that had previously been returned as undeliverable ) and was given an email address that I used to send over that initial packet.
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| 08/03/2020 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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In XX/XX/2020, I entered into an agreement with my apartment management, XXXX, to defer partial rent. I requested to be let out of my lease early multiple times ( 60 days early, 45 days early ) any time that would save me money and avoid being in debt. They continuously refused but set up a seperate payment plan for me to pay over the course of the summer.
My lease ended on XX/XX/XXXX. Within 1 week of vacating my unit on XX/XX/XXXX, I was turned into IQ Data International, Inc for collections of debt owed in the amount of {$4600.00}. Not only was this a violation of our agreement, but this amount was incorrect. The amount owed was {$2800.00}. I contacted IQ Data and the property management immediately to discuss the charges and get them corrected.
For almost month, I emailed the property management with little to no response. Finally the property manager acknowledged the mistake and sent a new ledger to IQ Data. This ledger continued to be incorrect. Having to fight for the right amount to be reported to the collections agency basically blew through any grace period that I had. According to IQ Data, I had a 45 day grace period which ended on XX/XX/XXXX, which means that they turned my balance into collections the day after I vacated the property. No final bill was sent my forwarding address. No attempt by management was made to collect debt. It was literally turned into collections the day after my lease ended. I attempted to get the correct amount updated upon receiving my first collections letter.
I emailed and called both parties to correct the amount. I copied the property manager, the regional manager, the Vice President and the dispute team. None of which replied. On the last day of my grace period, I had to physically show up at my former property manager 's office and make her correct the mistake as she would not acknowledge any of my electronic communication. This is a pattern from this management company and I know of at least one other tenant in the same position.
Mind you, we are in the middle of a pandemic. I work in the XXXX XXXX XXXX XXXX in XXXX, SC which is heavily dependant on tourism. Our business took an epic hit and I am lucky to be employed at all. I am trying diligently to stay on top of finances but with horrible business practices such as XXXX, it is nearly impossible for someone like me to come out on top. This was a very disappointing turn of events in a already troublesome year.
I paid this property over $ XXXX in an 18 month period. My apartment was well above market value and I was NEVER late until COVID. Even when COVID happened I tried to negotiate to avoid being in this situation that I now find myself.
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| 12/14/2021 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX filed a Property - Residential Eviction lawsuit against XXXX XXXX. This case was filed in XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX located in XXXX, Texas. The case status is Disposed - Other Disposed.
Docket Entries XX/XX/XXXXXXXX DocketService Return XX/XX/XXXX FinancialPayment Information : Amount : {$130.00} ; Payment Type : XXXX XXXX ( Remote ) ; Transaction Type : Remote Payments ; Receipt Description : Remote Payments ; Payor Name : XXXX XXXX XXXXXXXX XXXX XXXX Read More XX/XX/XXXX XXXX of Possession XX/XX/XXXX DocketEviction-Writ of Possession-Efile XX/XX/XXXX DocketOther Documents Not Listed - Efile XX/XX/XXXX HearingDescription : Eviction Docket XX/XX/XXXX HearingHearing : Eviction Docket ; Hearing Result/Cancellation : Default Judgment XX/XX/XXXX JudgementJudgment : Parties For : XXXX XXXX XXXX XXXX XXXX ; Parties Against XXXX XXXX XXXX XXXX ; Post-Judgment Interest : 5.0000 % ; Judgment Amount : {$620.00} Read Less XX/XX/XXXX DispositionDisposition : Default Judgment ( OCA ) XX/XX/XXXX DocketOrder-Default Judgment XX/XX/XXXX DocketEviction-Notice of Default Judgment XXXX XX/XX/XXXX DocketDefault Judgment XX/XX/XXXX DocketAnswer Filed XX/XX/XXXX DocketService Return XX/XX/XXXX FinancialPayment Information : Amount : {$120.00} ; Payment Type : Check ; Transaction Type : Payment ; Receipt Description : Payment ; Payor Name : XXXX XXXX XXXX XXXX XXXX Read Less XX/XX/XXXX DocketOriginal Petition Filed XX/XX/XXXX XXXX XXXX XXXX Filed XX/XX/XXXX DocketEviction-Citation Possession and Back Rent XX/XX/XXXX DocketEviction Citation The collection agency IQ Data is trying to say I owe them {$4400.00} I done disputed this off my credit report numerous times and they are still reporting the information below when the eviction was filed in XXXX XXXX Court on XX/XX/XXXX the judgment was ruled in XXXX XXXX XXXX favor for the amount of back rent of XXXX plus XXXX percent which the final judgment was XXXX and the judgment date was XX/XX/XXXX not in XXXX and I dont owe XXXX this is causing my credit score to drop and having an impact on my everyday life because I cant get approved for anything with the wrong date and wrong information. The information above this paragraph is from the court document its self and the information below is from XXXX XXXX
IQ DATA INTERNATIONAL IN Last reported XX/XX/XXXX {$4400.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX TX
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| 01/11/2022 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Today XX/XX/XXXX I receiveda debt collection notice in the mail from I.Q. Data International , Inc. for a debt to XXXX XXXX XXXX for {$190.00}. When I called I.Q. Data International explained that the {$190.00} is due for cable and utilities from XXXX. Since I never receiveda bill from XXXX XXXX XXXX for {$190.00}, and in fact only ever received a bill on XX/XX/XXXX for {$110.00} for the same period of time ( XXXX ), I told the representatives at I.Q. Data International , Inc. that I would like to contact XXXX XXXX XXXX to understand 1 ) why I never received a bill for the alleged {$190.00} that is now in collections and 2 ) why I am being billed for the same period multiple times.
2 different representatives at I.Q. Data International , Inc., first a male and then a female, threatened that if I did not immediately pay or give them my employment information they would report the debt to the credit bureau and damage my credit. After explaining to the male representative that I had no problem paying for a bill that was due, but first wanted to contact XXXX XXXX XXXX to get a copy of the bill since I never received it, he told me that if I did not provide my employment information before hanging up he would report me as refusing to make payment. I specifically stated that since it was a recorded line I would like to state that I had full intent to make the payment, however, I wanted to speak to XXXX XXXX XXXX to receive a copy of the bill first. I was then put on hold and a very aggressive female took my call next. She was extremely rude, would not let me speak or ask questions, and again threatened that my credit would be damaged if I did not pay immediately over the phone. When asked for a breakdown of the itemized charges on the bill she spoke very fast and even after asking her to slow down because I was writting down the information she did not. I was not able to get an understanding of what was due since she would not slow down. She then tried to state that I should hang up the phone so that she could close my file and have it sent to the credit bureau. Again on a recorded line I stated that I had no intention to hang up the phone and asked her what my options were. She was not very clear but said I could hang up or she could close my file. I said thank you, and she said goodbye but she did not hang up the phone. I did not hang up either because I thought she may still be trying to " make me '' hang up the phone. I remained silent on the line until she hung up.
I immediately contacted XXXX XXXX XXXX to ask for a copy of the bill that is now in collections, and why I am being billed multiple times for the same period.
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| 01/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I would like to file this complaint on I.Q Data International due to lack of verifying this debt, proof also lack of support in this tedious matter. I feel violated, compromised and devalued as a consumer.
I was attempting to start the home buying process but after review of my credit report of a collection from my previous place of residency I was denied assistance due to being told this was reporting as an eviction in which I fulfilled my lease agreement so I knew that was untrue. I was very shocked with all sorts of confusion. I spoke with the collections agency after receiving a notice to verify as to why I received a letter. I informed the debt collector in XXXX to validate the debt but no information was given regarding the amount due of {$1100.00}. Even disputed this fraudulent charge due to leaving the apartment spotless so I had no clue why this was happening but no follow up from the dispute regarding. I then attempted to relocate the following year by renting another home but was denied due to the same account reporting negatively with a higher account balance which from what Ive read, once an account has been sold to a collection agency it can not have a past due balance as a collection is past due by default. However, on XX/XX/XXXX I called debt collector again after receiving another notice and asked again to please validate the debt. I was told by the agent the charge was for damage. At this point, I was really puzzled but continually advised there was no damage on my part. There was never a court date for this issue which shouldve transpired if this was so, pictures also a verification letter confirming details of the debt and once again the company has failed to show proof.
Besides this situation, Ive never had any issues with a landlord and Im a really great tenant who takes care of any residence in which I reside and theres never much of anything to be done to accommodate the next tenant. This fraudulent charge reporting from this account isnt correctly reflecting the person I am nor does it accurately show my actual credit worthiness or trustworthiness as a tenant.
In addition, this negative line on my credit is preventing me from purchasing my first home, a place where my children can permanently live also make new memories and I just want this nightmare to be over just to eliminate this account from my record. I would like to stress that the negative information being reported is totally inaccurate and fraudulent. I am simply asking that this account is thoroughly investigated because of the circumstances in which this has occurred with no validation of this debt.
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| 06/15/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received a letter stating I was sent to collections for rent due in XXXX & XXXX of XXXX at XXXX XXXX. This is incorrect information, I did not live at XXXX XXXX after the end of my lease in XXXX of XXXX. The debt that was sent to collections isnt mine nor did I sign a lease for those dates. The management company has been unable to produce my lease from XXXX or the lease from XXXX. They cant not find it and it is assumed to be lost. I called IQ Data and spoke with a man who was deeming, respectful, and just plain difficult. He gave me false information stating my letter was returned to sender when I tried to get more information on what was returned to sender he just kept repeating the letter was returned to sender. I asked him if he received my dispute letter to the po box and he replied I dont check the mail, thats not my job. He would not explain or help assist me in anyway. I called back a few days later and spoke with another man who was EXTREMELY helpful and restored my faith in this company. He walked me through the process, explained my options, explained what was returned to sender ( the letter they sent back to me, not my dispute letter ), and stated the collection agency is also trying to get the lease from the management company, which they have still not provided to them either. He was honest, kind, and so helpful. I then spoke with the management company who said she can not find the lease anywhere and stated I would not be on the second lease because I had signed another lease with another company and had I been on the second lease at XXXX XXXX they would not have leased me another apartment. I agreed. She said she would write me a letter stating it can not be found. I then called IQ Data back and begged the first person on the line to NOT send me to the same person as the first time. They could not and sent me back to XXXX and it was round 2 of this man being extremely unhelpful and difficult. I asked where should she send the letter to and he just stated they have all our information that they need. I asked what I need to do and he just repeated send in a dispute letter over and over and over again like last time. I replied I have already sent the letter and you confirmed you received it why would I need to send another? He just repeated what he had said before. This man was infuriating and extremely upsetting. I understand debt collections isnt customer service but at least the 2nd gentleman I talked to helped me out and explained stuff to me. He was so much kinder and helpful than this XXXX.
This debt is false information and I dont know what to do next.
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| 01/14/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Hi, I received a collection call today from XXXX ( IQ Data Inc ) regarding a debt for XXXX XXXX XXXX XXXX XXXX. It's totally unacceptable because first of all, I lived there for more than six years ago and I'm pretty sure that I don't owe them anything. I remember that 30 days after I left and noticed that didn't receive my deposit back, I only received by mail a letter with absurd amounts related to replacing the carpet and minor repairs to the wall.
When I emailed them using their ( Contact Us form on community 's Marketing Website section ), I questioned why the prices were so high, so that time a XXXX representative ( XXXX XXXX - XXXX ) was replying all my emails and one of the emails she was apologizing in regards the wrong estimate that I received by mail to replace the carpet and to fix minor wall repairs, so she came to the conclusion of a completely different and lower amount than the one that I had received in the mail.
Finally, I was informed by her on XX/XX/2015, XXXX XXXX, that the final amount would be {$320.00} ( they already got my deposit that time and never gave me back ). My deposit was suppose to cover for all the repairs that they mentioned but they decided to over charged me that time and charge an extra amount ( the one mentioned here ) to replace the carpet and minor wall repairs. Lastly, I agreed immidiatelly about the final amount ( extra amount ) and asked her how should I make the final payment, once they said my deposit will not cover for all this expenses.
On XX/XX/2015 at XXXX XXXX, I also informed her that I would be going there that day to drop the payment that was agreed between us by email.
I was reading my emails again now with her and I noticed that I mentioned to her that I will drop-off a money order and not a check. I just called XXXX XXXX ( the company that I purchase 99.99 % of my money orders ) and they said that I need to request by mail a " Money Order Research, but it could take 6 to 8 weeks to send me back the results and we cant wait all this time. This is not fair because Im pretty sure they lost my money order that time based on the call that I received today.
I don't understand how a company like XXXX XXXX XXXX does not have a copy of my payment anywhere there. I will fight to proof my innocence because I know this was paid on XX/XX/2015 when I dropped the money order there that day. Im going to also file a dispute now on ( https : //www.consumerfinance.gov/complaint/ ) about this.
I just tried to contact XXXX XXXX by phone and e-mail but her email is not working and I couldnt find her by phone as well.
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| 06/10/2021 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Older American, Servicemember |
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On my birthday XX/XX/XXXX I received the first phone call from IQ Data International located in XXXX, XXXX where I had lived until XX/XX/XXXX. I was informed they were collecting a debt for about {$190.00} for XXXX XXXX XXXX where I had lived until last XXXX. They told me this company had sent me a letter advising me of the charges around XX/XX/XXXX but I never received any such letter at the forwarding address I had given with my notice to vacate. Plus, I dispute the charges. The charges are for {$88.00} in back rent and {$100.00} for cleaning. I was given what I owed when I gave my 30-day notice to vacate and that is what I paid and I moved out on time and returned all keys. I cleaned my apartment and the manager refused to do a walk through inspection even though I made myself available on two days. This collection agency states it said in my lease I would still be charged for cleaning which the complex does before reletting the apartment. I told them my lease only stated cleaning charges would be charged only if I had not cleaned my apartment. Any professional cleaning they decide to do later is on them. In addition, IQ Data International never sent me any written notification of this debt. They kept calling and threatened to ruin my credit. I asked for written notification of this debt over ten days ago and still have not received it. When I requested written notice of this debt they had to update my address in their system as provided to them from XXXX XXXX. XXXX had given their mailing address as my address to IQ Data! So, in essence they never sent me any writing about those charges. I contacted the property management XXXX XXXX in XXXX, XXXX and spoke with a XXXX about 3 times. The first two times she said she would provide my dispute to the regional manager there in her office and I would be called back. I never got a call. On my third call to XXXX she told me the regional manager had not provided a response and the charges still showed on my account. This all happened over a week 's time. I sent an email to the manager, a XXXX XXXX, at XXXX that showed I had filed a complaint with the Oklahoma Attorney General. She gave the usual excuse for not doing anything and that is that management there has changed since I vacated my apartment and that I could easily dispute the charges with the debt collector. Well, no. One can not easily dispute charges with IQ Data International. I did send a copy of my notice to vacate to the email address IQ Data gave me to dispute the charges. That was on XX/XX/XXXX. I have not received any reply on that either.
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| 08/25/2022 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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On XX/XX/2022 at XXXX XXXX XXXX XXXX, i called the number provided to speak with XXXX XXXX, at extension XXXX, about a credit deletion we were discussing previously. I had my mother on the phone as well because she had planned to help me with a payment, on this call we learned I had been given misinformation by XXXX the day before so now I needed to discuss with my mother privately because we didnt have the funds for what they were asking. XXXX then harassed us for several minutes about a settlement instead before we disconnected with a plan to speak again at XXXX XXXX XXXX. I called XXXX twice at this agreed time and was met with no answer, but I was told if I missed incoming calls from them, I would have further action taken against me. I left a voicemail with the thought that maybe he was tied up in something for a minute ; I received no calls for another hour and 15 minutes so I called again at XXXX XXXX XXXX. XXXX did answer this call and I informed him that I would no longer be pursuing any settlement or deletion, I no longer give my permission to administer the payment set up, and the only thing I would like to discuss was getting a validation letter of this debt, in writing sent to my current address. XXXX then began to berate me as to why I changed my mind, what my mother and I talked about, insisting I shouldnt do this, trying to give me more settlement offers, and going as far as waving down another representative to help berate me ; all while I was repeatedly asking him to stop, told I didnt want to discuss further details of my private conversations or why I was making any decision and repeated what I asked for. The other representative was XXXX XXXX, once he came on the line he began the same speech that XXXX had and then insisted I was letting my mother make my decisions for me, that I was unaware of the decisions I was making and unaware of what the correct decisions were, that I was ruining my credit, that I needed financial counseling, insisting I needed to listen to him and his advice, as well as talking over me constantly, telling me they had to request a letter of validation and wait for that to be approved so I should just mail them a request for specific information ( which I can do, but legally they have to provide me with a validation letter of the debt ), also called me childish and unprofessional for not listening to him and asking him to stop, and then hung up on me. I also have a recording of this conversation due to the first interaction this morning and I see no issue since they informed me they were recording as well.
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| 09/11/2020 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I have a collection with this company that dates from XXXX, from a broken lease with the apartment complex. Upon moving from this complex, I did not receive a move out statement. Regardless, this went into collections with IQ international Data. I have called a couple of times to discuss this debt, however, each time I have been told that I am being charged interest on the debt. On XX/XX/XXXX, I spoke with an agent who explained to me that I am being charge a 6 % fee per annum. She read out the move out statement. I asked for this to be sent to me. I also questioned the interest being charged as I have never heard of something like this, and it just did not " seem right '' when I did not sign anything which made me aware of this interest, nor is this anything normal in tenant practice and was not within the lease agreement. The agent informed me that she was not sure as she is not from Texas. I understood, but asked to be sent some sort of proof of contract stating that I was aware of the interest being charged. She stated she does not have any contract stating such. I informed the agent I would have to contact someone regarding this issue as I never signed a contract agreeing to such things. I believe that the interest being charged is a violation of Texas Finance Code 392.303. which states that a debt collector may not use unfair or unconscionable means that employ collecting or attempting to collect interest or a charge, fee or expense incidental to the obligation unless the interest or incidental charge, fee or expense is expressly authorized by the agreement creating the obligation or legally chargeable to the consumer. The company is unable to produce a signed contract which would prove that was made aware of such interest being charged to any balance owed to the original debtor if the term of the contract was not honored. Since they are not able to produce such proof, I am inclined to question where they are gathering that they have the legal right to charge such interest on a debt that is owed and has been placed into collections. In addition, I question if they have the legal right to charge on this debt until the amount is paid. This debt was not given as a " credit '' nor was I made aware upon contract signature of any interest being owed under the tenant contract. I am inclined to believe that the company is illegally charging interest without cause or justification and are reporting it on my credit monthly in order to coax me into paying for the debt. The amount being owed on my credit is not the original charge off amount.
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| 07/29/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I used to live at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, California. I noticed that the lease that was available on XXXX, the website that this company uses to sign leases, was signed several days after I moved in. I know that I did not sign this lease as I signed a lease prior to moving in and the lease available online is not the same lease as the one that I did sign. The IP address associated with my signature and my cosigner 's signature matches the IP address of XXXX XXXX, who works at XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX are now saying the I violated this lease after moving out and saying the I owe {$20000.00}, even though I did not sign this lease. They have reported this to IQ data International, a collections agency, which is now requesting that I pay them {$22000.00}. I never signed this lease, my signature was forged on this lease by XXXX XXXX, therefore, I am not responsible for paying this amount.
I have also sent a letter disputing this debt to IQ data international, I still have not received any response or documents from IQ Data International that validate this debt.
To prove that I did not sign this lease, I have attached the lease that is available on on-site.com, that includes my forged signature ( XXXX ), so you can see the IP address of the signatures. I have also attached a summary of a form signed through XXXX ( Summary.pdf ) that has my IP address, my cosigner 's IP address, and XXXX XXXX 's IP address listed. You can compare the two documents and see that XXXX XXXX 's IP Address matches the IP address used to forge my signature and my cosigner 's signature. While my IP address and my cosigner 's IP address are not found anywhere on this lease. In addition to that, the lease with my forged signature was signed on XX/XX/2020. I, however, moved in on XX/XX/2020 and I had signed the lease prior to moving in. You can see in the third document that I have attached ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the email I received from XXXX XXXX, confirming that the original lease that I signed was signed by all parties and completed on XX/XX/2020, 2 days before my signature was forged onto to this new lease.
Furthermore, I am unable to obtain a copy of the original lease that I did sign prior to moving in, since the original lease was removed from XXXX and replaced with this new lease that I did not sign. XXXX has access to this lease and will need to be contacted to retrieve a copy, they have refused to send me a copy, therefore, I am unable to provide a copy.
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| 11/21/2023 |
Yes |
- Debt collection
- Rental debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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On about XXXX XX/XX/XXXX, I left XXXX XXXX apartments in XXXX Wa. On about XXXX XXXX I received a bill for approximately XXXX dollars for final move out expenses. I paid this amount in full on the apartments online payment portal on XXXX XX/XX/XXXX.
On approximately XXXX XX/XX/XXXX, I received a call from IQ data, a debt collection agency, that I had an outstanding debt of XXXX dollars, and with their processing fees the owed amount was XXXX. The call seemed to be a scam, and I was confident the bill was paid so I told the caller I would not pay the amount until I did some research and reached out to the apartment company to validate that the debt was not paid. The caller immediately shifted to high pressure tactics and threatened action on my credit report if I did not pay. I told them I would not pay until I resolved it with the apartment.
I then called the apartment and determined a debt had been sent to collection, however the apartment employee did not have access to my account, so was unable to access any of my online portal payments. The next day the collection agency called me and again pressured me that if I did not pay my credit score may be adversely impacted and pushed further on high pressure tactics. I was confident that the agency was not a scammer and the caller told me that I could pay the amount under a dispute, where the agency was required to follow up with resolution on my dispute. I payed under protest with the intention if the debt was reported incorrectly I would dispute it with reasonable resolution.
On the XXXX of XXXX, XXXX XXXX was able to access my file, and through my banking statements I was able to cite the day I payed the XXXX dollar bill and they were able to prove I payed the bill on the XXXX of XX/XX/XXXX and they incorrectly contracted my paid debt. They emailed me and IQ data the XXXX balance receipt and reported that I was paid up.
After a month, and reaching out to IQ data on a status, I received no follow up and called IQ data to get status on my dispute. The operator was rude, indignant, disrespectful and refused to give me any status on my claim or point me to any direction on how to resolve the issue. His approach was similar in bullying high pressure tactics used to collect the debt. I have objective evidence the debt was paid properly and never should have gone to collections. Additionally I have email correspondence from XXXX XXXX to me and IQ data stating this. I have email correspondence of me reaching out to IQ data for follow up with no reply.
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| 05/12/2021 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I submitted a complaint already and the company responded by telling me Im wrong and that the apartment was left beyond reasonable repair. I have emails from when we moved into the apartment stating the apartment was not clean at all and that the blinds were already broken. Ive already explained the carpet situation, they needed to be replaced because of damage done by the apartment maintenance people, they were already replacing the carpets and painting because they were renovating all apartments. We did not do any damage to that apartment and left it just like we found it. The trash they claim was left there was one bag that the office itself told us was okay to leave up there as the apartment trash bins were overflowing. And as for contacting the apartment, I have made many attempts to reach them and have the manager phone number. She never answers the phone and never calls me back even though Ive left several upon several messages. My roommate and I moved into the apartments at XXXX XXXX XXXX XXXX in XXXX in XX/XX/2019. The apartment was not clean when we moved in, and we had not been allowed to see our apartment before the move in date. We told the office and they insisted it had been cleaned so we had to clean it ourselves. We had many issues with them over the year we lived there including AC and power going out multiple times. AC was out for two weeks once, we couldnt stay at the apartment because it was over 90 degrees outside. They put fan units in to try to keep it cool and these fans leaked out water all over the carpet causing damage. We decided not to renew our lease and expected our full deposit back because we left it much cleaner than wed found it, no damage other than to the carpet that was caused by their fans. Not only did we not get any deposit back, they charged us {$400.00} claiming they had to replace carpet. They are the ones that caused the damage to the carpet, and also they were remodeling all apartments and taking out the carpet anyway. They charged us for the remodeling they were doing, we did not leave any damage to that apartment. I have called their office and their management multiple times over this last year. Ive left message after message and no one has returned my call. Now I have this charge on my credit that I dont deserve. They still owe us our deposit. They took our deposit and charged us more money on top of it when we left zero damage to the apartment. I cant afford a lawyer and have no idea what to do about this situation.
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| 11/10/2021 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XX/XX/XXXX, I emailed XXXX XXXX and XXXX XXXX XXXX XXXX in XXXX, Tx informing her of the incorrect amount of debt XXXX XXXX XXXX XXXX charged me. The misinformed document stated that I owed them for " Replacement Keys '' in the amount of {$100.00}. The referred keys were actually left in the kitchen drawer ( near the refrigerator ) the night I vacated my apartment ( Unit XXXX ) on XX/XX/XXXX per XXXX XXXX XXXX request. I informed earlier that day on XX/XX/XXXX that I would be moving out after office hours, so how should I go about returning my keys. That is when she informed me that I should just leave them in a drawer and take a photo of said keys and email it to her for proof. I did exactly what she asked of me. I then, reached out to her the next day informing her about a gate key that I had forgotten to turn in. She then asked me if I could mail it or turn it in. I drove to the XXXXXXXX XXXX XXXX XXXXXXXX and returned the gate key to a lady sitting at the desk. I emailed and let her know that I had returned the key, her response was " Thank you so much ". So, once I received the statement for " replacement keys '' from XXXX XXXX XXXX XXXX, I was confused and that's when I reached out via email on XX/XX/XXXX and XX/XX/XXXX when I never received a response on XX/XX/XXXX. I then tried calling, no answer so I left a voicemail. No returned phone call from the voicemail either. That week, I called a few times throughout the day and FINALLY got someone to answer the phone. I explained the situation to the lady who answered, and also informed her that a debt collection company ( I.Q Data International XXXX Inc. ) had been reaching out to me via mail ( it was only mail at the time ) regarding the incorrect amount owed that was stated by them. She then told me that they were super busy and it would take XXXX until the end of the week to read the email for proof in order to correct the amount. The end of the week would've been XX/XX/XXXX. I received no call back, no email, no correction.
I reached out again XX/XX/XXXX and was told that they were still super busy and that I should hear something by the end of the week. The collection company has recently started to call me multiple times throughout the day, and it's really disheartening that this is something that could have been easily fixed and the harassment by the collection company wouldn't exist! I have been extremely patient with this situation. I do not mind paying what I owe. I just want to be treated fairly.
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| 06/09/2023 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Called before 8am or after 9pm
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Web |
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According to I.Q. DATA INTERNATIONAL INC. the debt is for {$1200.00} fee was included in. The date is for XXXX. I had a lease with XXXX XXXX XXXX. I reached out to XXXX XXXX of the apartment. He was supposed to get back with me to tell me the adjusted amount. Last weekend of XX/XX/XXXX, I moved out. I went back to finish cleaning I noticed an eviction notice on the door with false amount. In XX/XX/XXXX, he told me he would reply to me once the amount has been adjusted. I never heard back from him. Instead I received some harassment calls from XXXX to request a payment. I had blocked the number. I also received a mail from the debt collection. Please read below the emails between me and the manager Your account is closed XXXX XXXX. No additional fees are going to be added. Please be patient as we fix your ledger. We had to put a ticket in to resolve the issue. You will be notified once your ledger is corrected.
Get XXXX XXXX XXXX From : XXXX XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : Re : XXXX Good morning As of this morning, I have not seen any update on it yet. Today is the last day to avoid any fee. I can't afford any more fees.
Thank you From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXXXXXX XXXX To : XXXX XXXX XXXX Subject : Re : XXXX Hello XXXX XXXX, We are working on adjusting your ledger. I will email you back once it's completed.
From : XXXX XXXX XXXX Sent : Monday, XX/XX/XXXX XXXXXXXX XXXX To : XXXX XXXX XXXX Subject : XXXX Good afternoon I attempted to get in touch with you over the phone when I called the first week of XXXX. However, I was transferred to a lady I think it was XXXX if not mistaken. I know according to my note my last day was going to be on XX/XX/XXXX. I spoke to a lady that week and told me I could come in Friday XX/XX/XXXX. It was raining I could not come. I came in that Saturday. After clarification, the ladies allowed me to go in. I went in I saw a bill for over {$1200.00} attached to my apartment on the inside and it was an eviction notice. I had already moved out that weekend prior. One of the main reasons I could not stay in that address is because I have some stalkers for the well being of my daughter and I had to. I am willing to pay my balance and you can keep my deposit if you have to. I need the balance to reflect my last day of moving out please. If possible, is there a way you can take one of the late fees? My income has not changed and I would appreciate everything.
Thank you
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| 12/01/2021 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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I.Q. Data International , Inc. is an unethical -- -at best -- debt collection agency that uses inappropriate tactics to attempt to berate consumers into repaying debts. With that, I have dealt with several members of this team over the course of XXXX years in an attempt to resolve a debt due to some unfortunate life circumstances. In each encounter, I was greeted by a XXXX representative who belittled or attempted to remind me of what a " XXXX XXXX XXXX' I was for having the debt in the first place. In this most recent incident, I called in an attempt to once and for all find resolution. I called the number listed on the document from previous failed attempts. The manager -- XXXX XXXX -- is a great salesman and attempted to sell me my debt very well by making statements that were at best vague and not factual, nor legally binding in any way, and used verbiage that insinuated they were laws that were not. Further, when I did not go along with his narrative he seemed to become agitated and told me I was becoming combative and it was my fault that I was in this position in the first place and he was doing me a favor. After some negotiating, he stated that we had been on the phone for 30 minutes and asked had I had come to a decision, and if not we were done with the call. I said I wanted to see if there were any other options but if he needed to go I understood. He then quickly dismissed me, said I was refusing to pay, and hung up. I called back and asked to speak to a higher-up manager. I was connected to XXXX XXXX -- Director of Operations -- in which case she very defensively told me she was already aware of the call, apologized for his inappropriate behavior, told me he would be disciplined, and then proceed to tell me why he shouldn't have offered me a deal in the first place and continued to berate me just as XXXX had done. I attempted to explain to XXXX XXXX that my strife was not with her, but that I felt the tactics were unprofessional and inappropriate. She proceed to get louder and tell me that I was being combative and she was a single mother. This company uses scare tactics, threats, belittling, verbal assault, and condescending behaviors to attempt debt collection. I ended the call by allowing XXXX XXXX to finish her passionate speech about why I should get no grace for my owed debt, thanked her for her time, said I would try again another time, told her that she worked for an unscrupulous company and to have a good night.
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| 08/25/2023 |
Yes |
- Debt collection
- Rental debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I had issues at an apartment where I lived. I have rented for 30 years and have never moved out where I have been taken to collections. In fact, I had lived at the same complex before and had my deposit returned before. This time, I had the bad experience where the apartment next to mine flooded into my apartment and I complained to the upper management about it and asked to have the carpets replaced, they did not do anything about it. Instead, they made me the scapegoat and tried to charge me at move out for the mistake that their maintenance people made when they failed to stop the flooding next door. The apartment was very clean when I moved out and was even done by a person who cleans professionally. I have pictures from the move out as well. In regard to the water bill, the water part was broken and I have pictures of it leaking all over the parking lot. I paid hundreds of dollars in water bills to them altogether which was ridiculous. I feel that I was overcharged for the water to begin with. Also, my apartment was broken into which is why the lock had to be changed since their maintenance men were refusing to do repairs at the end. I told them that the apartment was in very good condition and they said I should have done a walk through and I told them that XXXX XXXX refused to do one and they belittled me and disputed this. They made false allegations against me and made comments that were false. I received harassing calls and when I asked to speak with managers, I was told that they were the higher ups. I feel that they were in violation of the FDCPA and the FCRA due to the facts that they would not validate the debt in the beginning and just reported me and would not let me dispute the debt and kept calling and harassing me after I told them not to call me and after I told them I was speaking to attorneys. Also, I was in Nevada and they were calling me from Washington in the beginning. They also gave me bogus contact information. I have been turned down by three apartments already due to bad references by XXXX XXXX ( XXXX XXXX ) Apartments in XXXX Nevada and now they are reporting this on the credit bureau. I feel that this is in retaliation for filing with HUD in the past as well and other state and federal agencies on them as well as Resident IQ data International. Also, my mail was getting stolen from the complex and I had to file with the postal service about this issue. Resident IQ data harassed me over this as well.
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| 06/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was contacted via mail by IQ Data in late XXXX about damages owed from an apartment I occupied from XX/XX/XXXX until XX/XX/XXXX. Upon my move out, I had extensive conversations with the leasing office regarding damages caused from multiple water leaks and ignored maintenance requests during my tenancy. I was assured that the apartment was due a complete renovation due to age, ie a 30 yr old refrigerator, and no upgrades in the same time period. I was due a refund of my original {$1500.00} security deposit. A month after I left, new management sent conflicting statements and I got a very unexpected letter from IQ data. I contacted them via certified letter and asked for a debt validation. I also contacted XXXX XXXX XXXX and was assured that it was all a misunderstanding and would be quickly remedied. I even got multiple emails inviting me back to lease from them. I never heard back from either of them regarding any supposed debt until IQ data contacted me via phone several months ago. I again requested validation and the person I spoke to apologized for the call and said that the debt could not be validated. Today I got another call. My phone number has never changed and I always answer all calls. The first agent was polite and followed all protocols. I stated that I preferred to handle things by mail and asked for the address. We were disconnected. I called back and a second agent refused to give me the company address and instead mocked me, yelled at me, berated me, and hung up on me. I called back yet again and got the first agent who apologized for the treatment I received and he urged me to accept a settlement immediately or have my credit ruined. I explained again that I preferred to correspond by mail so that I might send documentation proving this debt invalid. He tried to get me to post date my payment for this invalid debt and continued to threaten damage to my credit. I explained that Im XXXX and terminal and that I have XXXX XXXX sons ( XXXX & XXXX ) and a XXXX XXXX XXXX daughter. I again asked for the address to correspond. He urged me to accept a settlement because a lawyer would cost more than just paying an invalid debt. He said I should pay in protest and when I prove the debt invalid then IQ Data would refund me. I again asked for the address which he finally provided to me, after issuing a warning that everything is off the table and I would surely have my credit ruined with my decision.
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| 12/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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Hello, On XX/XX/2020 I rented the apartment at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX the move in was XX/XX/2020. XXXX XXXX XXXX with a XXXX year contract. On the day of the walk in before I move in a man representing the apartment show me the apartment. He told me to write down everything I see wrong with the Apartment. XXXX XXXX form to mark what was wrong ( he never explained what I should do with it ) so I did and left it in the counter top thinking he will pick it up. They never stopped to pick it up. I forgot about it. I had to call maintenance a couple of times. XXXX time was on the middle of winter the hold apartment had electricity except for my apartment. The maintenance man told me that someone move the brake for my apartment. The XXXX time the dryer was not drying well so they said the lines for dryer was full of lint and they had to come back and cleaned from the roof. The XXXX time XXXX of the bathroom was leaking water from the roof. So as you see in there pictures the window had XXXX. The charges are for some carpet that was already damaged when I move in, the cleaning charges they are collecting is for the closet where the washer and dryer are in. Explain to management that I didnt clean there because I had to remove the door closets door and move the appliances. For XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or had the tools to remove the door. The manager told me that the charges stay. When I called the office to make sure that I had to give my 60 day notice the same man that did the walk in told me I need to wait until the end of the month. To give my 60 day notice. After I move out I cleaned the apartment and the same man came to do the walk and check the apartment he made me sing the document and told me I need it to wait until the inspection is done and they will send me the summary. Well XXXX weeks when pass and I call the office XXXX XXXX told me he just sent the disclosures. Attached yo can see the change and I send a email advising them I dont agree with the charges and asked for a disclosure of the bill. I will include all the emails and pictures they sent me. I late search them on XXXX for there reviews and sorpraising other people had the same complaint like my. I keep sending emails to the main office and the same XXXX email me back stating charges will stay. I have all the supporting documents including emails. Also theyre reporting this on my daughter credit report.
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| 06/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I monitor my Credit reports, Dark Web and Identity and related accounts and activities daily/weekly, as I am an XXXX in XXXX at XXXX and have encountered and been a victim of multiple breaches and fraud due to the nature of my work.
I received email alerts this week from multiple sources notifying me of unexpected activity on my reports across multiple agencies of which resulted in a credit score drop of 30points.
I immediately accessed my reports to investigate and found that an unknown company filed a collections against me, without my knowledge and/or having received any communications written or otherwise.
I immediately have submitted disputes via XXXX and XXXX! stating the debt was incorrect. The company came back within 2 business days and responded with repeat submission.
It appears to be an Apartment building debt. I did in fact reside at the apartment referenced, however I moved out in XX/XX/2020 and paid monies owing.
It is critical to note that my move out was during the height Covid and lockdowns. Paid my rent each month, and did not default or live rent free like many other tenants did at the time. Also a key legal consideration : the management leased my home to a new tenant and they began moving in/shipping furniture etc to my apartment BEFORE I moved out. I was NOT notified by management on-site I f a new tenant nor given notice verbally or written of this. The result : I was forced to find a new home/move out within one week of determining on my own that my home was being occupied by someone else whilst I was living/working from home.
This was traumatizing and their actions or lack thereof left me vulnerable at an extreme moment in time and they expressed no remorse or options. I consulted an attorney who agreed that the management company was in the wrong ethically, and who advised me that the process to fight the wrongdoings would be both costly and lengthy for me.
I resided at the luxury apartment for over 6 years and all payments and communication were done in good faith, with transparency and professionalism.
I request that the CFPB investigate not only this charge but the volume was f charged/complaints received for said apartment, as I know there were others at the time who had horrible experiences and simply left/moved without paying or completing and broke their lease contract.
I at no time broke a lease contract.
This debt collection is unfair business practice.
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| 01/15/2022 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XX/XX/XXXX I received a letter in the mail from IQ data stating that I owe my previous landlord XXXX along with a letter breaking down the charges.I attempted to dispute this amount via XXXX XXXX but it was denied. I spoke with XXXX XXXX ( possibly XXXX ) during my move out inspection and asked her infront of witnesses just to have some sort of proof in the event of an issue, I asked her how much of my deposit they would keep she stated well I know you told us months ago you would not renew your lease and you were moving out but we will have to charge you up to one months rent for you moving out since its not in writing so you wont get your deposit of XXXX back we then did a walkthrough and she stated I would be charged for a small repaint in the kids bedroom due to a wall decor pulling paint off and the stove eyes needed to be replaced! So again I asked how much am I going to have to pay she said XXXX minus my XXXX deposit ( I have the person who helped me clean the unit willing to give a notarized statement of this ) Now this was done on XXXX due the office being closed on XX/XX/XXXX when we moved out and there being no drop box for the keys.The charges are ridiculous I have paid off this property once without asking any questions but I will not pay for something that was falsified I have my uhaul receipt showing I removed all of my things out of the unit on XX/XX/XXXX but they charged me for 3 days saying I still was staying there FALSE again.I have no problem paying for breaking the lease but the carpet paint and other charges are all incorrect the carpet was cleaned the week we moved out BY XXXX Vendor due to a raw sewage leak. I know I am not the first to have an issue with them and I have previous tenants willing to take legal action in form of a class action suit against them for the same exact reasons.The pandemic was rough and I still had to move and provide for my children bc the sewage leak was a common issue and I didnt want my kids sick from exposure especially during the start of the pandemic.My lease is ending and just as Im applying for a new place I get this letter now if they are willing to talk about charging me for the lease being broken thats different but I will not just give IQ data more money than I actually owe like the last time I was told I owed XXXX but had to pay around XXXX to them to get it in good standing I need this issue resolved in a timely manner!
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| 08/25/2022 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I and my spouse rented apartment at XXXX at XXXX XXXX, XX/XX/2022 the office manager call us and told us that they wanted the apartment back, We spoke with the office manager to give us some weeks so we could find a place to stay,, we told her to give us a written document but she refused and told us she was going to speak with her boss,, after a week we contacted the office manager again and she told us that she havent heard anything from her boss,, so due to her statement telling us to move that they wanted the apartment,, I and my spouse quickly got a new apartment at the end of XXXX and we went to inform the office manager that we got another apartment just as she ask us to move,, And the manager told us that we are going to pay for lease violation, that was shocking,, Because the manager ask us to move that they want the apartment,, so we told the office manager that wasnt what you told us,, the office manager ask ask us to move and we pleaded with her to talk to her boss to give us little time to get a new place,, And our lease was suppose to end in XX/XX/2022,, due to the pressure from the office manager we quickly got a new place so that office will not make me, my wife and kids XXXX. So when the office manager told us we going to pay for the lease violation, I requested to speak with her boss and she gave me the number of her boss at the head office,, the phone Number was XXXX and the name of the lady I spoke with was XXXX XXXX, I spoke with her a week before we moved out, and she told us as far the office manager ask us to move, that we should pay {$1000.00} for the damage in the apartment instead of the lease violation!! So that was what we agreed!! If they can provide the voice recorder for that conversation,, that will be helpful.. The damage in the apartment was as a result of the maintenance efforts try to fix water leakage during the snow that happened in XXXX,, it took the apartment several months to fix the walls they cut open,, and as a result of that holes on the walls, Rat and and Roaches got into our apartment,, and all our efforts to get rid of those Rat and Roaches proved abortive. At the end of our conversation with XXXX XXXX XXXX from the head office we agreed to pay the {$1000.00} for the interest of peace. Right now they have reported the debt to be {$6300.00} on my credit report. That {$6300.00} is a wrong amount we were ask to pay by the XXXX head office.
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| 03/03/2023 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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XXXX XXXX IQ national data in regards to an account of my they have in collections. I try to inform them that the account is on my credit twice once for them and wants for another company before II contact ikioo national data in regards to an account of my they have in collections. I try to inform them that the account is on my credit twice once for them and once for another company before I can get my story out or my explanation. I was rudely interrupted by the representative who told me that it is not her problem, nor is it her job to figure out why the balance is on my account twice and that if Im not calling to make a payment or to pay the balance off, she has nothing to say to me. I began to tell her that she was acting very rude and ask because she transfer me to someone else. She insist on harassing and bullying me in offending me, telling me that Im the one who has that that I need to have paid not her that is my job to pay what I owe in which I tried to explain to her that I will pay. It wants to matter is resolved she didnt tells me if Im not going to pay the balance then I am wasting her time. Once I asked to be transferred again, she told me And ask because she transfer me to someone else. She insist on harassing and bullying me and offending me telling me that Im the one who has debt that I need to have paid not her that is my job to pay what I owe in which I try to explain to her that I will pay it. Once the matter is resolved she then tells me if Im not going to pay the balance then I am wasting her time. Once I asked to be transferred again she told me that she would not transfer me because she would not allow me to waste anyone elses time she insist that they have tried to call multiple times, and I have hung up in their face which is not true, but I do have their number blocked because they do call me at many hours of the day even when Im trying to explain to them on the phone that I cant pay the balance right now they are very pushy and rude telling me things such as figure it out go out there and find the money. I once again asked to be transferred and she told me that shes not transferring me and if Im not calling to make that payment, then she has nothing else to say to me. Im simply trying to get this matter resolved I have a debt on my account. The same debt is on my account twice for two different companies for two different totals for the same account.
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| 11/03/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I am filing this complaint because IQ Data International have continued to report inaccurate information on my consumer report to all XXXX of the major credit reporting agencies and have been engaging in abusive debt collection practices to try and collect an alleged debt. I sent IQ Data International a cease and desist, and ordered them to cease their abusive debt collection practices but they ignored it and continued to engage in their abusive practices. I also requested validation of the debt and all I received was some papers that I guess where supposed to be statements or something but it's clearly fake. There was no accounting ledger showing any debt, I received nothing sworn under oath or an affidavit verifying their claim, no judgement, I didn't even receive a contract. Pursuant to 15 USC 1692g ( b ) if a consumer notifies a debt collector in writing that the debt, or any portion thereof, is disputed, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgement, or the name and address of the original creditor, and a copy of such verification or judgement is mailed to the consumer by the debt collector. In the papers that they sent, there was no verification or judgement attached. The papers they sent unable to be verified therefore the alleged debt is invalid. I am demanding that IQ Data International delete all references to this account and remove this inaccurate account from my consumer report IMMEDIATELY! If this inaccurate Information continues to show on my consumer report after you receive this notice I will not hesitate to bring legal action against you for : Violations under the FCRA Violations under the FDCPA Defamation of Character Also I never gave IQ Data International any permission to furnish any Information about me on my consumer report, nor did I give the Reserve at XXXX permission to share my non public private information with an unaffiliated third party which is a clear violation of my right to privacy. IQ Data International obtained my Information illegally and furnished inaccurate Information on my consumer report to try and extort money out of me that is not owed. This would constitute IdentityTheft, Frauds and swindles under 18 USC 1341, and racketeering activity under 18 USC 1961.
Please do not play with me this will get ugly.
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| 09/05/2023 |
Yes |
- Debt collection
- Rental debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I was contacted by XXXXXXXX XXXX XXXX XXXXXXXX XXXX via mail over a year after moving out claiming we owed money for damages ( {$3300.00} ). The damage price seemed very high, and the long duration between us moving out and them contacting us seemed suspicious. It's worth noting that there was no formal move out inspection done with the apartment complex on our move out date. We asked why we were just now hearing about these damages, and looked into the Indiana law ( Indiana Code 32-31-3-14 ) which states they needed to contact us about outstanding damage costs within 45 days of moving out. In an email correspondence, they stated that they checked with their corporate offices, and claimed they sent us our first notice on XX/XX/XXXX. Our move out date was XX/XX/XXXX, which would be within the 45-day window. They also claimed that was our " second '' notice. The notice I received was sent the week of XX/XX/XXXX. Their reasoning behind the second notice was that they were in the process of sending a second round of statements as a courtesy to prevent sending past due balances to collections, and that the account was previously not sent to collections due to XXXX restrictions. We asked for the details they received from their corporate offices around the first notice since we never received anything in the mail. We were told we could request that information if we let it go to collections and chose to dispute it. We chose to let it go to collections, since we did not believe the first notice was actually sent. Fast forward to this year, and we were contacted by a debt collecting company ( I.Q. Data International , inc ). The notice was sent XX/XX/XXXX. In that letter, they claimed that if we wrote to them asking for proof of the debt, they had to stop collection until that information was provided. I sent them a letter within the 30 day dispute time window, which requested numerous things, but the most important thing being proof that a notice was sent within 45 days, so I could validate the debt on my end. I received a response from the collection agency. In their response, they failed to provide proof around the first notice. I called them once I received the letter on XX/XX/XXXX, explaining that their response to my request still did not provide the proof that I was contacted within 45 days. I was told that they had no obligation to provide that proof to me.
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| 07/03/2023 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XX/XX/XXXX I contacted XXXX XXXX XXXX Department to receive clarification on a rental balance from XXXX at XXXX XXXX XXXX. While speaking with the representative he mentioned there was a balance of XXXX for XXXX XXXX under XXXX XXXX, no account number was available for this account or other information and was instructed to XXXX the management company for contact information. Immediately I searched the web and found XXXX XXXX contact information. I made the phone call to XXXX XXXX on XX/XX/XXXX and was directed to contact via email XXXX and collection agency XXXX XXXX. Once I called XXXXIQ data that day with the balance reported to XXXX XXXX XXXX XXXX XXXX my name apartment location and year they werent able to locate me and said they will call me back. I then sent an email requesting information on balance and account number. I received a reply back from XXXX stating he had no account number but a balance of XXXX, which was different than XXXX data. On XX/XX/XXXX I contacted XXXX /IQ data to inquiry on my previous call and gave the balance and my social security number, the year and name of the Apartments. The representative stated he had found the account with that balance, stated if I paid in full I can receive a deletion letter, I asked if there were any settlements available on the debt, he mentioned no and could assist with a hardship application that could help with services to assist me in the balance but I wouldnt receive a deletion letter. I was told the account didnt go to a collections company. He then told me in order to get the deletion letter I will have to pay XXXX I asked him how did the cost go up he said it was taxes and interest. I said I will call back and he attempted to keep me on the phone implyingI wouldnt want to end the call like this. It will be perceived as I dont want to pay the debt. I have nothing in writing from this company, the numbers arent accurate, thats why my attempts have been made to contact them as I am aware of money owed when I moved out in XXXX. There are to many discrepancies in the balance and unfairness and I am asking for this account to be deleted from my rental profile. The call was getting uncomfortable so and I hung up. He wanted to conduct a hardship application over the phone, then implied it would change anything. Just give me resources, I have never encountered or heard anything like this.
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| 05/22/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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On or about XX/XX/2018, I moved out of The XXXX at XXXX XXXX apartment complex ; giving plenty of notice of my intent to move. Management company charged for an additional month of rent, in addition to keeping my security deposit and failing to give a move out ledger of alleged expenses. I never received communication from the management company, only from the debt collector who put an amount of money I do not owe, on my credit report. That amount was XXXX. It is now XXXX. I attempted to resolve the issue by contacting the debt collector and they were unwilling to remove the negative mark from my credit report. IQ Data International, has also increased the debt owed by percentages not agreed by me, without written notice and continues to report the increases to the credit bureaus.
The management company, XXXX owned the property when I submitted my notice of intent to move, I kept in close contact with management personnel informing them of my progress in moving. I had a good verification of rent letter, stating that I was not behind on my rent, never late and moving out on XX/XX/2018. Management changed over to XXXX XXXX and they refused to honor the notice of intent to move out. As per my lease, I never received a reminder to renew so I was only suppose to give a 30 day notice ; I gave notice in XXXX. Regional manager, XXXX XXXX stated he was in receipt of my notice to move from XX/XX/2018 ; per our XX/XX/2018 email communication. I moved from the property XX/XX/2018 and turned in the keys on XX/XX/2018. The property is charging me for XXXX rent that I do not owe.
I will submit email conversations with the previous property manager, XXXX XXXX, stating that I only wish to renew my lease for five months beginning XX/XX/2018 to end XX/XX/2018. I will also submit email communication of Regional manager, XXXX XXXX, using bullying tactics to threaten negative impact to my " rental and credit history '' and also implying that he already had intentions to apply my security deposit to any balances owed. I will also submit my notice, my verification of rent, my key turn in sheet with my forwarding address and a statement of facts. All of which was submitted to the collection company along with a letter to cease collection actions. Nothing has worked so far and these companies are illegally trying to XXXX XXXX me into paying something I do not owe.
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| 03/14/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX TODAYS DATE : XX/XX/XXXX IQ DATA INTERNATIONAL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious IQ DATA INTERNATIONAL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
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| 11/07/2023 |
Yes |
- Debt collection
- Rental debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/ I wrote to I.Q. Data International Inc. requesting an authenticated record of accounting. I specifically said I was not asking for a statement of account, rather an authorized record of all accounting and bookkeeping entries pertaining to the account. In this letter I requested to be provided with an agreement with their client that grants them the authority to collect on the alleged debt, an agreement that bears the signature of alleged debtor where in he/she agreed to pay the creditor, any insurance claims that have been made by any creditor regarding this account, and judgements obtained by the creditor in relation to the account, name on file of alleged debtor, alleged account number, address on file for alleged debtor, amount of alleged debt, date that this alleged debt became payable, date of original charge off or delinquency, verification that this debt was assigned or sold to the collector, complete accounting of alleged debt and commission for debt collector if collection efforts are successful. I requested that they furnish this information within 15 days as it is readily available to them and they did not send any response. This letter was sent via certified mail # : XXXX XXXX XXXX XXXX XXXX XXXX with return receipt and this letter was delivered and signed for on XXXX XXXX XXXX
Since I.Q. Data International Inc. did not respond in any way whatsoever, I sent a second letter on XX/XX/ via certified mail. In this letter I notified them that they did not get back to me and validate the debt and that according to the Fair Debt Collection Practices Act I have the right to claim a validation of the debt and they are obligated to provide me with the relevant documentation. They received my original letter on XX/XX/ and never responded yet the credit bureaus have responded back to me that the debt is " verified '' although they too never sent me any documentation whatsoever.
I let them know that they are now in violation of the FDCPA and subject to a fine of {$1000.00}. And that I would continue with the suit if they did not respond within 15 days. I informed them that I would also be submitting a complaint with the FTC. This letter was sent via certified mail # : XXXX XXXX XXXX XXXX XXXX XXXX with return receipt requested. This letter was delivered and signed for by I.Q. Data International Inc. on XXXX XXXX XXXX
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| 05/12/2021 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Frequent or repeated calls
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Web |
Older American |
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I moved out of XXXX XXXX XXXX in XXXX, XXXX I gave 2 months notice provided my new address. The end of my lease was XX/XX/2021. I moved out XX/XX/2021.
Started getting calls XX/XX/2021 from XXXX XX/XX/2021 XXXX did not answer, missed call XXXX I did not answer call, at work 2 seconds XXXX XXXX kept saying hello, no one answered hung up after 47 seconds XXXX XXXX women asked for XXXX, said that my number was the number she always contacted her at. told her I had, had the number for 15 years. She asked me if I knew XXXX. I said no and said I did not live in XXXX anymore.
XXXX 2 min talked to debt collector person, said I owed a {$54.00} utility bill from XXXX XXXX XXXX XXXX I told her I had not recieved a bill ... she told me I had to pay now, I told her she sounded like a scammer. To quit calling me and that I had never received a bill. Told her to XXXX XXXX and hung up. I had drank 1 beer and was tired.
XXXX I called back got the answering system. IQ Data.
Received a call XX/XX/2021 at XXXX XXXX from IQ Data a 3rd party collections agency.
Asked why she was spoofing an XXXX phone number. Asked her where she was actually calling me from .She finally said Washington state.
Asked when the debt went delinquent, why I had not received a bill.
XXXX said she did not have to tell me anything.
Yelled at me that my move out date was XX/XX/2021 so therefore my debt was delinquent. Didn't I give them a forwarding address to send the bill to? I said obviously I had since in both calls she sited my new address ( XXXX XXXX XXXX, XXXX, XXXX XXXX I asked when the due date was. She went back to my move out date.
Told her I had not received a bill.
I told her I had email the complex to find out what was going on. She told me they would not help me since I owed them money.
She would not tell me details. Threated to ruin my credit Told her not to call me again, they could send me the information via USPS. I asked her to quit calling me several times, the last pointing out the law. Finally hung up on her.
I felt threatened, I have a very good credit score and this is feeling more like a scam.
XXXX XXXX nor XXXX XXXX XXXX XXXX have not replied to my email request. They normally did not when I lived there.
I would love to turn them and XXXX XXXX holding into the XXXX XXXX XXXX but both are in different states.
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| 05/23/2023 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Letter of dispute regarding fraudulent activity & IQ-Data Collection agency.
*Please help in correcting current balance to original balance, updating/removing or closing if no proof of authorizing and/or signed agreement by me regarding collection of any interest, fees, charges or expense added by IQ-Data & not allowed per XXXX & Federal FTC Fair Debt Collection Practices Act* The following are the areas of dispute.
1 ) Fraudulent activity by IQ-Data.
a ) IQ-Data has continuously and currently collects/ attempts to collect interest, fees, charges and expenses onto the original balance without any known authorized agreement to do such. No known authorized agreement by me to allow such.
b ) The original amount of debt is {$5300.00} and should have remained such with zero added fees etc. not expressly authorized.
c ) Please verify & request proof with IQ-Data of any authorized agreement by me or original party ( XXXX XXXX XXXX reporting debt allowing such charges.
d ) If no proof, evidence or response provided from IQ-Data please help with updating/removing or closing from credit report.
2 ) Violation of the XXXX & XXXX Fair Debt Collection Practices Act. Section 808.
a ) Such fraudulent charges are in direct violation of the XXXX Fair Debt Collection Practices Act, Chapter 14.9, Section ( a ) & Federal FTC Law, Fair Debt Collection Practices Act, Section 808.
a ) Please request to have proof submitted by IQ-Data of any authorized agreement by me or original party ( XXXX XXXX XXXX reporting debt allowing such charges.
b ) Unless provided with proof of such amount is expressly authorized by the agreement creating the debt permitted by law or by me please assist in updating/removing or closing from report.
3 ) Violation of the Federal Fair Debt Collection Practices Act. Section 805.
a ) IQ-Data has contacted my place of employment on XX/XX/2023.
b ) Current employment is with the XXXX XXXX Department.
c ) IQ-Data has knowledge that employer is with the fire service & calling a government building.
d ) IQ-Data has reason to know that my employer prohibits me from receiving such communication due to type of job, nature of job, type of establishment it is.
e ) All is in violation of the Federal Fair debt Collection Practices Act, Section 805, Communication in connection with debt collection.
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| 02/12/2021 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I was informed by collection agency I.Q. Data International, Inc on XX/XX/XXXX that they were attempting to collect a debt of {$14000.00} for the creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX. I contacted a representative at I.Q International by phone to discuss and dispute the action. The representative accessed the account XXXX XXXX XXXX. The collection contends that I violated lease terms by vacating my residence without providing proper notice. I informed the representative that I did not have a lease with the company. I further informed him that all rent payments were made in full and that I was in possession of a letter from the management office at XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX that due to the pandemic no leases would be required in XXXX and no rent increases would apply. I received a second notice from the company dated XX/XX/XXXX that my rent has been increased from XXXX monthly to XXXX monthly plus an additional XXXX monthly convenience fee for non renewal of the lease totaling XXXX month. This amount was due immediately and every month thereafter that I elected to remain at the property. I vacated the property the following month. Upon review of the account the I.Q. Data representative agreed and acknowledged that the collection amount was inaccurate and the company 's supporting documents did not match their claims. I made a written request to I.Q, Data International , Inc to provide in writing an explanation of the charges and amounts. At no time was any judgement ever entered against me in any court. No rent on the property was ever unpaid. My request was sent to the I.Q. Data International , Inc via certified mail on XX/XX/XXXX. To date I have received no response or documentation from I.Q. Data International, Inc. I had considered this matter closed until discovering a collections report had been made on my credit statement. My current credit score is XXXX. I maintain all the documentation to support my position that no monies are owed to XXXX XXXX XXXX XXXX XXXX XXXX. Supporting documents are available upon request but files were to large too upload on this site. This is a falsified and damaging action taken against me and I am asking for a complaint to be started against I.Q. Data International and if possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX.
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| 04/08/2022 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I reached a buyout agreement with The XXXX in XXXX of XXXX, the agreement was Id give 60 days notice and pay the rent owed during that time, once that time frame was up Id owe an additional months rent of XXXX and the manager at that time, XXXX XXXX advised I could even set up a payment plan if need be. I pay XXXX on full, XXXX in full, and the rent for XXXX was prorated based upon the date I gave notice. We moved and Id tried establishing the payment plan with XXXX, Id left the area to work out of town for a while. She kept putting the matter off, and we soon found out shed quit. The new manager stated she had no knowledge of the buyout and that shed moved me out of an apartment on XX/XX/XXXX but wed left in XXXX. They refused to adhere to the buyout agreement that was with their previous agent XXXX XXXX and began running a total again. The remainder of XXXX, XXXX, and XXXX, even though their manager admitted to allegedly moving me out. I have screenshots and emails of everything, even their website prorating XXXX rent. And the payment being made and is owing zero. I believe this to be retaliation from a legal matter we had months prior, they were the victims of a theft and had several money orders stolen and cashed. As a result they tried to charge us for their theft, we refused and they tried to evict us for XX/XX/XXXX rent. The judge found in our favor and they still kept that balance there for months, we had to contact the judge in order to have the complex remove the balance that wed legally established we did not owe! I still have a copy of the judgement as well. They sent the present matter over to IQ data, I disputed this using the method they provided. The apartment complex nor their corporate office ever responded to the dispute, IQ data kept calling stating I owed a debt even though I was in an active dispute period and their client never responded, they admitted as much on their recorded line. I disputed this matter in XXXX of XXXX with IQ data and their client The XXXX a living well homes community has still yet to respond, but IQ data placed the disputed matter on my credit report even though I supplied them with evidence supporting my argument and their client never provided a debt validation. This has caused my family and I to have to rent hotels spending mountains of money.
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| 05/11/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XX/XX/XXXX I sent a dispute to the collection agency DataIQ. The dispute goes back a while before that with an apartment complex, XXXX XXXX XXXX The apartments attempted to include a number of charges that were not mentioned in the contract, one of which including a repainting charge. When asked for more info, I was told that there was {$67.00} charge for painting. The contract never mentioned this as being standard, and this was mentioned. While trying to resolve the issue with the apartment complex and asking multiple times for some kind of proof of damage and repair, nothing was given and they instead sent the charges to DataIQ. From the first call with them, they have been mean, pushy, disrespectful, and have tried to intimidate me on multiple occasions. I ask for more info on what they mean by something and they hang up, I ask for more clarification and they change the subject. I was eventually pressured into paying the now $ XXXX ( due to interest ) due to them intimidating me with no time to actually put together a response. I sent my dispute in XXXX stating the legal obligation the apartment has in providing proof, including several laws and court decisions from the past which show that the burden of proof is in the apartment, not the tenant. It was not acknowledged and nothing was communicated about it. I have sent two separate emails to ask about the dispute and no response was given. Today on the XXXX of XXXX, I tried to call to get more information about it. The agent on the phone was very rude, said I paid the debt so my account is closed and theres nothing she can do about it. I asked if there was someone else I could talk to and she said no. I asked what we can do about it because the charge was unlawfully made, and she said it doesnt matter what I think because they closed the case and there is nothing I can do. She offered a mailing address or a fax number and I asked what those were for and she said if I wanted them I can call back but she had work to do and hung up the phone.
Not only have they been hostile toward me in attempt to get the money, but they are also hostile when I try to right a wrong done against me. They offer no means of correction. They have intimidated me into making a quick decision and they are intimidating me again now that I question the charges.
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| 11/02/2023 |
Yes |
- Debt collection
- Rental debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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I entered into a lease agreement with XXXX XXXX XXXX, which was prematurely terminated due to a violation of the Right to Quiet Enjoyment. Despite multiple attempts to resolve the issue amicably with the property management, the situation necessitated vacating the premises for safety and well-being.
On XX/XX/XXXX, I submitted a Notice to Vacate, which was acknowledged by the leasing department on XX/XX/XXXX. Following another incident, we reaffirmed our decision to vacate on the same day. On XX/XX/XXXX, the leasing agent confirmed the receipt of apartment keys and acknowledged our departure from the unit.
On XX/XX/XXXX, I received a move-out cost breakdown that did not accurately reflect the security deposit amount, which was significantly higher than reported. After receiving this, I made several attempts to contact XXXX XXXX for clarification. Calls were made on XX/XX/XXXX, and XXXX, with follow-up emails sent on XX/XX/XXXX and XXXX, XXXX. The leasing agent acknowledged an error with the security deposit amount during a call on XX/XX/XXXX, but no further clarification was provided.
The next correspondence was a bill from IQ Data International on XX/XX/XXXX, which included charges that were inconsistent with the initial move-out breakdown. I disputed this collection and requested debt validation on XX/XX/XXXX. The response from XXXX XXXX on XX/XX/XXXX, was unsatisfactory, providing an XXXX spreadsheet without proper validation of the alleged debt.
Despite these efforts, the debt was reported to credit bureaus, affecting my credit score. I have made numerous attempts to resolve this issue directly with the property management and the collection agency, including 14 calls to IQ Data on XX/XX/XXXX, which were met with repeated hang-ups and a lack of cooperation.
The collection agency has not provided adequate debt validation, has reported the debt without proper notice, and has failed to investigate the dispute thoroughly. This has resulted in an unfair credit report entry and continued attempts to collect a debt that is not accurately validated.
I seek the removal of this collection from my credit report and cessation of collection attempts until a thorough and fair investigation is conducted, with proper validation of the alleged debt provided.
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| 11/02/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
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I entered into a lease agreement with XXXX XXXX XXXX, which was prematurely terminated due to a violation of the Right to Quiet Enjoyment. Despite multiple attempts to resolve the issue amicably with the property management, the situation necessitated vacating the premises for safety and well-being.
On XX/XX/XXXX, I submitted a Notice to Vacate, which was acknowledged by the leasing department on XX/XX/XXXX. Following another incident, we reaffirmed our decision to vacate on the same day. On XX/XX/XXXX, the leasing agent confirmed the receipt of apartment keys and acknowledged our departure from the unit.
On XX/XX/XXXX, I received a move-out cost breakdown that did not accurately reflect the security deposit amount, which was significantly higher than reported. After receiving this, I made several attempts to contact XXXX XXXX for clarification. Calls were made on XX/XX/XXXX, and XXXX, with follow-up emails sent on XX/XX/XXXX and XXXX, XXXX. The leasing agent acknowledged an error with the security deposit amount during a call on XX/XX/XXXX, but no further clarification was provided.
The next correspondence was a bill from IQ Data International on XX/XX/XXXX, which included charges that were inconsistent with the initial move-out breakdown. I disputed this collection and requested debt validation on XX/XX/XXXX. The response from IQ Data on XX/XX/XXXX, was unsatisfactory, providing an XXXX spreadsheet without proper validation of the alleged debt.
Despite these efforts, the debt was reported to credit bureaus, affecting my credit score. I have made numerous attempts to resolve this issue directly with the property management and the collection agency, including 14 calls to IQ Data on XX/XX/XXXX, which were met with repeated hang-ups and a lack of cooperation.
The collection agency has not provided adequate debt validation, has reported the debt without proper notice, and has failed to investigate the dispute thoroughly. This has resulted in an unfair credit report entry and continued attempts to collect a debt that is not accurately validated.
I seek the removal of this collection from my credit report and cessation of collection attempts until a thorough and fair investigation is conducted, with proper validation of the alleged debt provided.
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| 11/02/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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I entered into a lease agreement with XXXXXXXX XXXX XXXX which was prematurely terminated due to a violation of the Right to Quiet Enjoyment. Despite multiple attempts to resolve the issue amicably with the property management, the situation necessitated vacating the premises for safety and well-being.
On XX/XX/XXXX, I submitted a Notice to Vacate, which was acknowledged by the leasing department on XX/XX/XXXX. Following another incident, we reaffirmed our decision to vacate on the same day. On XX/XX/XXXX, the leasing agent confirmed the receipt of apartment keys and acknowledged our departure from the unit.
On XX/XX/XXXX, I received a move-out cost breakdown that did not accurately reflect the security deposit amount, which was significantly higher than reported. After receiving this, I made several attempts to contact XXXX XXXX for clarification. Calls were made on XX/XX/XXXX, and XXXX, with follow-up emails sent on XX/XX/XXXX and XXXX, XXXX. The leasing agent acknowledged an error with the security deposit amount during a call on XX/XX/XXXX, but no further clarification was provided.
The next correspondence was a bill from XXXX XXXX XXXX on XX/XX/XXXX, which included charges that were inconsistent with the initial move-out breakdown. I disputed this collection and requested debt validation on XX/XX/XXXX. The response from IQ Data on XX/XX/XXXX, was unsatisfactory, providing an XXXX spreadsheet without proper validation of the alleged debt.
Despite these efforts, the debt was reported to credit bureaus, affecting my credit score. I have made numerous attempts to resolve this issue directly with the property management and the collection agency, including 14 calls to IQ Data on XX/XX/XXXX, which were met with repeated hang-ups and a lack of cooperation.
The collection agency has not provided adequate debt validation, has reported the debt without proper notice, and has failed to investigate the dispute thoroughly. This has resulted in an unfair credit report entry and continued attempts to collect a debt that is not accurately validated.
I seek the removal of this collection from my credit report and cessation of collection attempts until a thorough and fair investigation is conducted, with proper validation of the alleged debt provided.
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| 06/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Summary : Unvalidated Charges/ Debt being pursued by Collection Agency.
I called the collection agency IQ Data listed on a notice letter within 30 days of receiving. They were unable to provide details or validity of the claims/debt owed, nor was their client : XXXX XXXX XXXX XXXX ( original creditor ). However, please note, the notice letter I received from IQ Data ( attached in the document section ), reads the original creditor listed as XXXX XXXX XXXX XXXXXXXX.
I mailed a dispute response to IQ Data, sent Certified Mail on XX/XX/XXXX to the address for XXXX XXXX @ XXXX XXXX XXXX XXXX WA XXXX listed on the notice letter received on XX/XX/XXXX - requesting validity of this debt being pursued. I should also mention, that XXXX of XXXX did not send notice alerting me of potential collection action at any time prior to receiving notice of Collection action from IQ Data.
Additionally, I provided all of my email communication with XXXX XXXX XXXX and their responses, clearly demonstrating their inability to validate the charges being pursued. Since mailing my dispute over 10 months ago, I had not been contacted in any form ( mail, email, phone ). Nor did I receive a formal response after delivery of my initial dispute letter.
Subsequently, I received an alert of collections action on my XXXX XXXX XXXX indicating derogatory account notification due to IQ Data collection assignment.
I sent another dispute letter via certified mail to IQ Data on XX/XX/XXXX. I called the collection agency once again, who confirmed receipt of both disputes, and stating they would mail me proof of validity ( after trying to collect payment in exchange for an instance email providing validity ). My last conversation with the collection agency was demeaning and highly insulting. They have continued to harass me, calling me during my work hours.
I have diligently strived to maintain top notch credit history, and have had XXXX blemishes on my history prior to this invalid debt being pursued. To this date, neither the original creditor, nor IQ Data has been able to provide validity of the debt being pursued. If there had been objective, empirical evidence provided at any time since being pursued for this supposed debt, I gladly would have paid it off without hesitation.
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| 05/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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On XX/XX/XXXX my husband opened a debt collections letter from I.Q. Data International , INC. address only to him. This was dated on XX/XX/XXXX with no post day on the envelope. The following business day XX/XX/XXXX I immediately called to dispute the debt and to clarify what steps would be needed. The letter stated that to call or write by XXXX to dispute the debt or any information that was not correct. The letter also did not clarify the original creditor and was only identify the name of the building. This debt is from unpaid cleaning and move out costs from the property management company that needs to be verified, not the name of the building. The associate, XXXX told me that the date on the letter did not mean anything and threaten that after this phone call he would go right to his manager and send this to unpaid accounts that would effect my credit score.
We sent in our dispute letter that clarified the dates that I received this notice, however, I still NEVER directly received any notice of unpaid debts, or that this was in collections. We sent in a written letter as well expedited to signature verify by the date on the notice of XXXX. Since this letter was not received with no postage mark on when it was sent, we asked the 30 days from the time I called in to immediately resolve.
They sent this to the credit bureau that now negatively impacts my credit rating as well as my husbands. I have additionally filed disputes with the credit bureau and have been in constant communication with both property management companies to resolve this original creditor. Both management companies now do not have record of any open outstanding accounts. I respectively would like this to be reversed from my credit so I can resolve whatever outstanding payments are needing.
Furthermore, I have emails from almost 2 years ago from the property management company that billed our account incorrectly and admitted to the wrong doing offered a negotiated priced. The account the debt collections is billing for is the full amount and not negotiated amount, probably due to the fact the management company has has multiple turnover and can not keep accurate records of billing. They have told us there is no open account at this time which I'm continually looking into.
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| 11/16/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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We had been having safety and security issues at the apartment complex we were renting from XXXX XXXX XXXX in XXXX XXXX XXXX, Florida XXXX for over nine months. We contacted management but no attempt was made to fix dangerous construction debris, inaccessible services such as walk ways and trash disposal, and overcrowded apartments nearby that had loud parties and were dealing drugs late into the night. People would walk directly into the apartment across from us without a key or knocking. In the morning there would be beer, liquor and food trash in front of the apartment on the stairs and in the corridor. We filed complaints with the Florida Attorney General. We received receipts that our complaints were received but no other information or action.
The complex/company raises the rental rates every time you renew your lease. We had been looking for another rental, once found we requested the form to end the lease. We filled it out and returned it to XXXX XXXX, the current Manager. She confirmed receipt and our move out date. There was a waiting list for the one bedroom we were currently renting. We turned all of our keys in which she confirmed via email. She said there was no balance due and nothing else was needed. We received no calls, correspondence or emails from her after we had ended our lease. Over two years later when making a financial transaction I learned that I had a derogatory account on my credit from XXXX XXXX XXXX, and I.Q. Data International, Inc. of XXXX. I was charged XXXX for " breaking the lease '' and they continue to add monthly processing charges to this debt. I was informed by XXXX that there was no fees if the form was filled out. She was very helpful and never said there would be any fees or charges. I do not know who determined that these fees would be charged to me. I believe if you audit the leases for this company with properties throughout the United States that you will find excessive charges and fees to tenants living there and to the majority of those ending their leases. At the minimum, there should be a class action lawsuit against this company. In addition, I don't understand how their billing, leasing and property management can be in compliance with the Fair Housing Act. Please advise and assist. Thank you.
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| 05/11/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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In 2017 I had endured a unavoidable eviction. The apartment complex at that time was called XXXX XXXX XXXX in XXXX Texas. I was only making {$1100.00} dollars per month income and the rent was $ XXXX/mth. They rented to me anyways. On my last 2 months of my lease I became behind on my rent and unavoidable eviction. The courts issued a notice and my final balance was {$1700.00}. This is documented in the XXXX Texas municipal eviction court and through the apartment complex. I delayed in immediate repayment due to unavoidable circumstances ( homelessness ) and was sent to collections through a company called IQDATA. I called them and made payment arrangements and was able to pay {$500.00} of the {$1700.00} amount due by the courts but was cut short of completion because I found additional housing and my rent was {$900.00} per month. I tried for 5 years to start payment to IQData until I noticed that my balance went from {$1400.00} dollars to {$4000.00} because they said I owed them back pay. I tried to repay apartment complex directly but needed the adjustment of the {$400.00} applied to the balance due and IQDATA refused to release the correct payment information to the apartment complex until I paid the full {$4000.00}. I tried legal aid and they said they couldn't help. I have suffered long enough. I need your help. IQData won't work with me at all until the full {$4000.00} is paid. The XXXX XXXX XXXX won't help me either and have hung up in my face about 7 times now because they say I am annoying them and they don't care. My actual amount due is {$1300.00} and XXXX XXXX XXXX still wants the full {$1700.00} and I've already paid {$400.00} of it to IQData and IQData refuses to pay XXXX XXXX the money I paid into my debt and won't call XXXX XXXX XXXX back to confirm until I pay them {$4000.00} in full. I have been abused enough. How can you help me. I have been homeless for 6 years now and I'm seriously considering suicide. Please help me. If you can't help me resolve this situation or have it completely deleted from my file for pain and suffering, don't bother to contact me or call with anymore I'm sorrys or there's nothing you can do. Just don't call and throw out this file. I can't take another NO IM SORRY WE CANT.
XXXX XXXX XXXX
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| 01/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
Servicemember |
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This account was sent from XXXX XXXX to IQ Data International sometime mid-XXXX. The amount at the time was {$5400.00}. I saw it on my credit, got the number, and I called IQ Data to discuss settling in XX/XX/XXXX. They were rude, talked down to me, made threats if I didn't pay in full. I offered {$3000.00} to settle and I was told they do not settle, and because I wasn't calling to pay out of the kindness of my heart, they were not obliged to help.
I then called and talked with the new manager at XXXX XXXX. She told me the amount owed was actually incorrect, and that I really owed {$3200.00}. It took from XX/XX/XXXX through XXXX of XXXX to finally correct the amount in their ledgers and with IQ Data. I tried calling IQ Data again in XXXX and offered {$2000.00} to settle. I was told they don't settle and was literally yelled at every time I tried to speak. I finally hung up.
I started researching options to deal with debt collectors and read that one should never call, only communicate in writing. So XX/XX/XXXX I wrote a debt settlement offer to them and mailed it certified mail with return signature receipt. That letter was received and signed for on XX/XX/XXXX.
On XX/XX/XXXX I received a bill from IQ Data asking for the full amount ; they totally disregarded my debt settlement offer and acted like they never received it. Aggravated, I asked an attorney to help.
On XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX issued a letter to IQ Data requesting validation of the debt and listed off all documents to be collected and sent to me within 30 days from the date of their letter, otherwise they were to cease and desist collections efforts and I could file a complaint against them. The law firm also stated should the debt prove valid I would offer to settle the debt for {$2000.00} issued in one lump sum by cashiers check to be paid no later than XX/XX/XXXX should they agree. I received nothing from IQ Data.
I have never in my life been treated so poorly by people I am trying to offer money to. There is no judgment on this amount. Every other collections agency I've had to work with over my 41 years on this earth has been more than willing to settle ; I know that they do. Why IQ Data insists on insulting me and not cooperating is baffling.
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| 02/26/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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This property management company is full of greed and do not care about their tenants HEALTH. I was a tenant on their property for a couple years and Ive finally had enough when they become even more negligent with their emergency property maintenance. In an email on XX/XX/2022 I stated to the property I have a XXXX XXXX XXXX daughter who lives with me and this is unacceptable. Im breathing in mold stagnant water and have been doing so for a couple days. Im going to have an inspector come and look at my apartment to see if its even habitable.
They responded I have made the Maintenace request for you. We will get someone out there as soon as we are able to get this fixed for you.
Best, XXXX XXXX my plumbing was never fixed and they didnt seem to care. I put in multiple emergency maintenance requests and nobody ever came to fix the issue. The bathtub wouldnt drain, the bathroom sink wouldnt drain, the toilet wouldnt flush, my washer made my clothes smell horrible, the smell of stagnant water quite possibly mold, as well as the contents of my toilet filled the apartment with the smell/odor of indescribable words. My XXXX XXXX XXXX had to brush her teeth and wash her hands in the kitchen sink for weeks. My daughter and I had to use our toilet without flushing it for WEEKS, as a result typed a letter to terminate my lease with the property, and moved into a different leasing property at this time. I stated to the attorney that My daughters and my health were at risk living at XXXX XXXXXXXX XXXX XXXX XXXX. He did not seem to care. And he gave me the next court date for us to proceed.
The next court date I was waiting for my docket number to present my case to a judge via zoom and I was told the case was dismissed by the clerk. I was not able to explain to a judge or jury my situation because they dismissed it. The fact that they are trying to get money from me is very disturbing given the circumstances my family had to endure.
I have kept all of the video, picture, emails documented of all my evidence over the course of my lease. I feel that justice needs to be brought to XXXX XXXX. This company is concerned more about money than the health of its tenants. They need to be held accountable for their actions and mistakes.
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| 11/11/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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On XX/XX/2020 I moved from my apartment complex which was managed by XXXX XXXX at that time. I went in to the rental office on XX/XX/2020 to settle the bill. At that time I was told that I would receive the final statement at the end of the month. During that time the property changed management and my bill was sent to collections. In the state of Texas, before you can be sent to a collections agency the creditor has to give you 21 days to make the payment ; however, after speaking with XXXX XXXX, Account Representative at IQ Data, he reported that my account was sent to their agency in XXXX which was prior to the statue. I.Q data recovery has reached out to me on several occasions and each time I simply ask for the final statement from the apartment complex. They REFUSE to send the the statement. They demand that I make a promise to pay before they will review the statement. The last time they called me they agreed that they would send me the statement ; however they instead sent a letter of debt. Per my legal right I replied to the letter with in 30 days of receipt again asking them to send me a statement. This letter was sent to the XXXX XXXX XXXX XXXX, WA XXXX through certified mail ; therefore I have receipt of delivery.
Today, when the representative from I.Q Data XXXX XXXX XXXX called me he told me that I was just trying to avoid paying my bill. Again, I asked if he would send the final statement. He refused to provide this information without me agreeing to make a payment. I asked him what happens if I want to dispute something, to which he responded that they would remove the charge, but then said I needed to pay the full amount and dispute it with the property. Again, I asked if he was legally refusing to send me a statement. He begin to talk in circles. I told him to reply with a " yes or a no ''. He raised his tone as boasted " yes '' I am refusing to send the statement. He went a step further to say that they were going to escalate my account and make it as refusal to pay.
In the midst of a pandemic it is unfortunate that companies such as IQ Data are practicing predatorial collections tactics to create fear in working people, especially those who are making efforts to may any validated debt.
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| 05/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
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Web |
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This complaint is to inform the CFPB that XXXX continues to violate procedure in case of disputed accuracy 15 U.S code Section 11681i.
In a previous complaint filed in regards to IQ Data International, I stated that XXXX has taken more than 30 days to respond to my request to conduct a reasonable investigation. In regards to IQ DATA INTL INC partial account number XXXX On XX/XX/XXXX I sent a certified mail with XXXX pages of the lease agreement which did not bare any of my signatures. Along with a letter asking for a reasonable investigation. Included in this correspondence, I included a copy of my state issued drivers license and a copy of my XXXX XXXX tax return, showing that I did not live in XXXX, XXXX during that time. The written signatures sections on the leasing agreement sent to me by IQ data is actually blank.
NO ACTUAL PROOF THAT I SIGNED THE LEASE ADDENDUM. IQ Data then send me a threatening letter informing me that they would not do any investigation on the matter and that the item would remain on my credit file. Which is a violation of 15 U.S.C. 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation.
As of today, XXXX has just decided to respond to my correspondence. I submitted information regarding this matter on XX/XX/XXXX. I just received a response from the credit reporting agency dated XX/XX/XXXX stating that the item is verified. From XX/XX/XXXX to XX/XX/XXXX is XXXX days which is a violation of The Fair Credit Reporting Act. This act allows 30 days to conduct a reasonable investigation. This incorrect information on my credit report has caused me to be denied for a home loan. My next option will be seeking remedies for damages. I have presented more than enough evidence that I did not sign a lease agreement with this company. And XXXX continues to ignore the evidence. I have encountered an overwhelming amount of disrespect from this company in regards to this item on my credit file. This company should be embarrassed to call themselves a consumer reporting agency.
|
| 03/07/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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There is a collection agency called IQ Data that is on my consumer reports ( XXXX, XXXX, XXXX ) that i have no knowledge of and they are violating my consumer rights. i have never seen a contract that shows i have done business with them or authorization that gives them the legal rights to collect from me. IQ Data has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter to them via certified mail on XX/XX/ 2022 and they did not respond to me at all which is also a violation. This company has also been contacting me without my prior consent which is a violation of 15 usc 1692c.
This company is claiming that I owe an alleged debt that I have no knowledge about. Notice the term " Debt '' means an alleged debt. So I am asking that you prove to me that I owe your company and alleged debt and I have done business with you. The Fair Credit Reporting Act states that a consumer report is any Written, Oral, or communication of any information by a consumer reporting agency. This means a consumer report is essentially the communication of information regarding a consumer. Since this is being reported on my consumer report you are communicating and I am demanding you cease all forms of communication through any medium. This included mediums such as 1. Telephone 2. Letter in the mail 3. Social Media 4. Email 5 Consumer report I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this alleged debt off of my consumer report accordingly
|
| 08/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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I lived at the XXXX Apartments and lease ended in XX/XX/2023. I provided the correct forwarding address for mail that is still current as of today. Phone numbers are current as well, and email addresses are also current. Not one notice was received, regarding this being placed for collections and I am not sure why no attempt was made. All this information was provided to the property manager XXXX when I turned in my notice to vacate. I had to provide all that information to show my new apartments, I did everything as far as the lease states, such as providing a proper 60 day notice, forwarding address, email and phone number. The property manager then did confront me, asking why I was behind, on my final month, and I did tell her I was unemployed, early in the month of XXXX and if possible, be able to pay the remaining balance I owe and late fees, in increments. XXXX days before XXXX was over, She stated she could break up the amount owed to help me, after she stated verbally, that she was almost a month behind reading emails. So she didnt get my emails regarding my unemployment situation. I know she received them because I kept using the same email trend that she replied too.
I didnt file a complaint against them either, as I should have, due to the unsuitable living conditions either. Pest infestation, dead roaches inside my fridge, inside my stove, inside my leftovers I would put in my fridge, all the mold that was never removed from the bathroom, that looked it was painted over, the bathroom sink never being fixed after the bad leaking it did, which I stil have the video of, and for not having the heater working at all during the cold temperatures, and I do have witnesses that will validate that I had created work orders, and the issue was never fixed. I had put in a request for the garbage disposal close to the beginning of my lease, and it was never done, I still have all the photos and screenshots.
I never reported the issue, because I had hoped, since they were new to the property, it would take them a bit to get situated, and I wasnt going to be difficult with them. So I had hoped they would have just worked with me, and let me get this paid before it ever reported.
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| 10/18/2021 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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This debt is complete fraud. Ive had three companies call me under different names for this debt, the last company IQ Data called me and stated they were Submitted this debt to collections and they would ruin my credit for 7 years, the stated I needed to give a 60 days notice when I gave a 30 days notice to my landlord in writing and vacated. There was no lease it expired the month prior, I was in line with my month to month. My landlord kept the deposit of XXXX, this was supposed to be last months rent. I was completely vacated out of this unit and do not owe this, period. They have supplied me with NO EVIDENCE, I have disputed this with two collections already, then IQ data refused to even reply to BOTH the disputes Ive sent them. They have NO PROOF I owe this debt this is entirely based off of a lie given by the landlord saying I was in the unit after posting a letter saying you will have to MOVE IMMEDIATELY if you can not pay rent during COVID, NEVER supplied states letter for California, didnt reply to me or 6 other rental properties I applied to ( have in written that they repeatedly tried ). They have reported this, threatened me, called me after I asked not to, wont reply to any of my evidence, wont supply ANYTHING detailing or showing me the debt and why I am liable for this when there was NO CONTRACT in place and I was NOT in the unit. They REFUSE to provide any explanation and stated I could not verbally ask for any kinds of documents, they stated they couldnt talk to me about this debt until I validated what it was for and I acknowledged the debt without knowing a single thing. This account is not only extremely fraudulent, a complete lie, but was also submitted to collections WITHIN illegal period during COVID 19. They have accused me of being in a lease with NO EVIDENCE. This company did nothing but threaten me, ignore facts, and then send me to collections regardless of all the laws broken and facts showing this isnt mine. Not to mention my boyfriend was also on this lease, we left together, we had a co-signer, yet I am the only one having to deal with this. This collector stated every day I owe more interest and late fees on this account, which is also illegal.
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| 02/03/2022 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Iq Data contacted me on XX/XX/XXXX around XXXX about collecting a payment from an apartment complex for an outstanding balance that doesn't even have 10 days of being posted and in which I had questions about and never received answers from the leasing office despite the multiple attempts to talk to them just for an explanation. The agent from Iq Data asked me to pay for this debt in full on that first call, and expected me to give her my sensitive payment information when I wasn't aware of a due date and I was never informed by the apartment complex or the agency that this debt was transferred over to Iq Data for collection. This agent at Iq Data threaten me that if I didn't pay this debt in full the same day I was going to incurred interests, and that it was going to get reported on my credit and that it was going to affect me from refinancing and doing anything with my credit. I was very confused and scared about this call and so I hang up.
I called the apartment complex later that same day to verify and they provided me the agency name and contact information so I called a second time in the day asking for what legal procedures they took to notify me about this debt since I never received a statement with a due date on it nor any notification that this account was getting transfer over to collections. She told me that the apartment complex and the agency " mailed it out '' to my new address which I am sure it is not true. I never received anything in the mail. and she told me it was not their problem and that they didn't have to send anything by law. Since I was asking for more information, she got upset that I was challenging her with my consumer rights on this, and how I thought this was illegal. She started raising her voice and not letting me explain anything back to her so she hangs up on me.
I finally called them a second time and submitted payment because I do not want anything reported on my credit. However, I certainly feel this is not the proper procedure and treatment for anyone. I also feel they have follow proper written communications guidelines with due dates and consequences explained to protect consumers of unfair and abusive practices.
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| 09/19/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Collection Company attempting to collect a debt that is not mine, That's Identity Theft and Fraud.
Collection Company They co
mmitted more than 1 violation, 15 U.S. Code Sec 1692g Validation of debts, They didn't provide me with the 5 things that constitute to validating the debt and even that's not validation because if they send me that, It is an allegation unless I agree.15 U.S. Code Sec 1692i ( a ) and ( b ) and I can keep counting on violations.
Each of credit reporting agencies has a different amount of the alleged debt on my report, ( misleading information ) And Collection company has a different amount as well {$950.00} Interest due {$130.00} Pursuant of 15 U.S. Code 1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
Also they sent me a letter refusing to investigate the account.
I will invoice them for each violation ( illegal activity ) If they don't take care of this matter.
I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). I need them to : Provide breakdown of fees including how you calculated what you claim I owe. 2 Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 3 An Audit trail Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.
Send me proof that you are licensed to collect debt in my state. Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA I have never give XXXX, XXXX, XXXX a written consent ( 15 U.S.C Sec 1681b ( a ) 2 ) to furnish anything in my credit report agency, specially a alleged debt that is not mine.
No consent is Identity Theft.
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| 12/13/2023 |
Yes |
- Debt collection
- Rental debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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To whom it may concern, I'm contacting you with regards to my enter actions via phone with the debt collector and as well as the discussions on how to resolve the debt collection that was first time brought up to my attention via mail.I received a letter from the Iq Data Collection company on XX/XX/2023 .After reviewing the letter I called the Iq Data Collection company and disputed the amount based mentioned in the letter.Despite my respond to the letter before the due date which is XX/XX/2023 I was informed of being reported to the Credit Bureau which has cost me a tremendous damage on my move to my new resident.Up on attempting to resolve the issue of being reported to the Credit Bureau and providing proof of being wrongfully accused of bill collection by the original creditor I spoke to XXXX XXXX who is the representative for the Iq Date Collection who not only consider my concern being reported to the Credit Bureau before the due date on the letter from the Iq Data Collection company I was refused to speaking with a supervisor.Today XX/XX/2023 for the third time I attempted to provide proof of wrong fully accused of bill, reported to the credit bureau XXXX refused to speaking with a supervisor I was also provoked by questions such if I was making threats when clearly I said that the agent was not going to get away with refusing me speaking to a supervisor and the agent getting corrected for violating the policy of Iq Data collection company for the above violations.I 'm asking to please look into this complaints as I'm not able to reach anyone else to address my issue in the Iq Data collection company.Notice please that I have made three attempts and my rights are violated by being reported to the credit bureau before the due date of the letter, refused to speak to a supervisor level and was being provoked for falleselly questioning me of making threats not to mention that I'm being accused of the bill wrongfully and reported to the Iq data collection company which I have proof for being wrong fully accused of bill.I would greatly appreciate your concern and assistance, Thank you
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| 09/24/2020 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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In XXXX I had an account transferred to the collection agency known as IQ DATA INTERNATIONAL. On XX/XX/XXXX I contacted IQ DATA and requested a copy of the contract. I was told a contract was sent to me, the contract was sent to a previous address of XXXX XXXX XXXX XXXX, XXXX XXXX, LA. Therefore I never received the copy of the contract, I asked the agent on XX/XX/XXXX for a copy of the contract and he asked why I needed it. I stated I needed a copy of the contract because I would like to see the amount of interest and fees that is being added to the account. I was told by the agent to send a letter which I did and I have yet to receive a contract. The agent by the name of XXXX stated to me that the agency will not continue to send me a contract even though I never received the original contract, his exact words were " Were not going to keep sending you contracts because by law we don't have to ''. I am aware that under the FDCPA I am entitled to verification of the debt by validation with a statement or contract and IQ DATA is refusing to abide by that rule. The company states all calls are recorded therefore they should clearly be able to hear that the agent XXXX is repeatedly asking me why I need the contract and stating he doesn't have to show me why or how much interest is being charged. I simply asked for the copy of the contract from the original debt collector and a statement of fees and interest added an I was refused that right which I am entitled to, I have no verification of this debt from this company and they are refusing to provide me verification. I have a witness who over heard the phone call who would be willing to testify on my behalf that agent XXXX refused my request. I am enclosing the final letter I sent to IQ DATA and all of the letters I have sent to the bureaus concerning verification of this debt. XXXX is repeatedly stating I am not writing my own letters to dispute the failure of IQ DATA to provide verification of the debt I hereby stating under penalty or perjury that I have been the sole writer of every dispute to sent to XXXX and any collection agency.
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| 12/31/2020 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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On XX/XX/XXXX, I called the collection agency ( IQ Data International Inc. ) about an undated amount for my debt. I had went back and forth with the original creditor to get an updated amount because of previous negotiations. They collection agency gave me the updated about and continued to negotiate a pay-to-delete for XXXX. They stated that if I wasnt able to pay the balance by XX/XX/XXXX to call them and let them know. I agreed. I called back not 10 minutes later and told them that this agreement wasnt going to work. And they countinued to pressure me to ask family members and collect it somehow by the XXXX. I agreed and was told that if I can not make the payment by the XXXX, to call them and they would cancel the pay-to-delete and we would go to a payment plan. I agreed. On XX/XX/XXXX, I paid on the account {$1000.00} leaving a remaining balance of {$2300.00}. From that time till now, I have tried to come up with the money but things happened in our personal life and we werent able to pay the balance, even taking out a loan. In this amount of time I called the collection agency twice and the line went dead. I dont know if it was my phone or theres. Then on XX/XX/XXXX, I am called by the agency and from the start they attacked me for not paying. I tried to explain my situation and tried to get on a payment plan but they continued to ask where my money is going and being very unprofessional. She continued to say things like my amount could go up and that this would put some type of hurt on my credit. I asked for a manager and the manager was even worst with being unprofessional and yelling at me. I felt attacked from the moment I answered the phone so I reacted how they reacted and nothing really got resolved. I just found it really disturbing that at XXXX, I am being called and yelled at and questioned left and right. And from my phone records, this has been the first time they even tried to call me. That is harassment. They have recorded lines, so you should be able to here my frustration. This has effected me and my fianc emotionally, and it is a debt on both our accounts.
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| 11/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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My lease was ended early by XXXX at XXXX XXXX in XXXX XXXX, Texas due to 9-10 raccoons being in the roof which caused the roof to sink in with XXXX and XXXX. I was getting physically sick and saw a doctor 3 times. I called the Department of Environmental Health myself as XXXX at XXXX XXXX was not taking my claims seriously. The Department of Health did write a report that I have attached that there was XXXX and XXXX stains in the roof and even declared that it was all over the property making it hazardous as you will see in the documents ( they attached pictures but it was too big for this file, please let me know if I can send another way ). I had never paid rent late with XXXX at XXXX XXXX, I always paid on the XXXX of the month, and even when I was laid off due to COVID, I still paid rent on time, as I have always paid rent on time everywhere I have lived. I paid up until the day my lease was ended by them, XX/XX/XXXX, which was XXXX weeks short of a year with them ; I even paid the utility bill after it was sent to me after I had already left. XXXX at XXXX XXXX ended my lease and told me they would find me a new unit, and kept pushing the date back, and it went on for over XXXX weeks, knowing that I was getting sick and I wasn't sleeping. I was very scared for my health as the raccoons were getting more active due to the weather getting cooler. I decided to move to another place, and had no more obligation to stay at XXXX at XXXX XXXX due to the lease ending for apartment XXXX. I made a payment of {$420.00} to honor the days I was there up until the lease ended.
XXXX at XXXX XXXX sent the amount for a full month of rent plus charges to a collection agency, XXXX XXXX international.
I spoke to a representative, XXXX XXXX, at IQ Data International on XX/XX/XXXX who tried to insult my intelligence and became aggressively angry with me on the phone, and threatened that I would not be able to move on with my life as he was shouting it at me. After our call I notice an additional charge was added. I believe he tampered with the amount due to his anger and unprofessionalism.
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| 02/06/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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A collection agency called IQ DATA INT'L INC ( XXXX XXXX XXXX WA XXXX XXXX ) placed for collection a charge of {XXXX} from XXXX XXXX XXXX XXXX XXXX Georgia ( original creditor ) on XX/XX/XXXX. They sent several letters and repeated calls to me and my family, they did not stop until I wrote to them asking them to stop. However, they placed this onmy XXXX XXXX credit report. I noticed this on XX/XX/XXXX as I was trying to apply for some credit. Since, XXXX of XXXX, I have filed a fraud report with the FTC and the CFPB. Have not heard anything from either agency regarding my case.
Back to the crux of the matter, WE called IQ DATA in XXXX XXXX and asked them what we needed to do. A very respectful man XXXX XXXX told us to mail documentation to IQ DATA verifying my place of residence during the fraudulent charger, who used the the name XXXX XXXX not me XXXX XXXXXXXX to navigate their fraudulent account at this apartment complex. I did this, I mailed the documentation w/ proof of residency, drivers lis proving AGAIN my address which was not in Georgia . So, it is NOW XXXX and WE have not heard anything from IQ DATA INT'L. I called on XX/XX/XXXX and spoke to XXXX XXXX. Mr.XXXX proceeded to say to me " so why don't you just pay the XXXX bill '', the nerve of this person to assume I was the fraudulent person before IQ DATA even completed their " investigation ''. He next proceeded in a very unprofessional manner to tell me these investigations take 2, 3 and even 6 months. If this is the kind of people IQ DATA employees WOW I guess the fraudulent account from XXXX will never come off my report. I was living in XXXX XXXX Florida during the dates the fraud ( person ) was living under my identity in Georgia, It stated that on the copy of the lease I sent to IQ DATA and on my drivers Lis and a utility bill. The fact of the matter is my identity was stolen and IQ DATA keeps trying to implicate me as the fraudulent person. When the facts clearly prove otherwise.
Perhaps, I should ask my attorney to get involved, because I'm sure with the evidence in hand any judge would see the FACTS.
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| 09/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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My name is XXXX XXXX, a federally protected consumer, XXXX making this complaint against IQ DATA INTERNATIONAL for committing identity theft. I have NEVER given IQ DATA INTERNATIONAL any type of permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt theyre claiming I owe. I am fully aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).
I have NEVER received any type of documentation requesting validation from IQ DATA INTERNATIONAL what so ever before they committed multiple violations under the FCRA and the FDCPA. IQ DATA INTERNATIONAL is in complete violation by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) in which the FTC defines as debt parking. If IQ DATA INTERNATIONAL can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, prior to furnishing it on my consumer report Ill have reason to believe that this account has been a fraudulently furnished with forethought and malice as an attempt to bring harm to me and my financial reputation.
I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until IQ DATA INTERNATIONAL can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and IQ DATA INTERNATIONAL continues its collection efforts, I will file for litigation for actual damages caused and IQ DATA INTERNATIONAL will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant XXXX XXXX. Your prompt attention and response are both requested and required.
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| 08/18/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I moved out of the apartment in question on XX/XX/XXXX. I returned the keys and was told that I would receive my security deposit back minus any fees within 30 days. I never heard anything from them but the deposit was low and I had moved out of state so did not try to obtain this back through small claims.
XX/XX/XXXX, IQ Data international added a collection account for this rental property to my credit reports with the amount of {$810.00}, plus fees totaling {$1000.00} which has further increased to {$1000.00}. It states it had been an open account since XX/XX/XXXX.
Now according to XXXX XXXX XXXX XXXX a rental property has 30 days to furnish to the tenant a written itemized list of the damages for which the security deposit or any portion thereof is withheld, along with the balance of the security deposit.
The landlord shall have complied with this subsection by mailing such statement and any payment to the last known address of the tenant.
This never accorded. To this day, I have never received any notification of anything from the property or collection agency. Therefore they have both violated XXXX XXXX XXXX XXXX
30 days would have been XX/XX/XXXX. It has now been XXXX days since I returned the keys, it was XXXX days between moving out and this account being opened and XXXX days until it showed up on my credit report and I was aware of it. I have not received any communication regarding this debt.
I have disputed it with all three credit bureaus on XX/XX/XXXX and XX/XX/XXXX to no avail. I have not been able to get in contact with IQ Data International but tried on XX/XX/XXXX by phone.
In addition to this, IQ Data International have misspelled my name. My name is XXXX XXXX XXXX but they have spelled it XXXX XXXX XXXX. So this is not even me but they have added this weird name to my report.
All in all I have no idea why I have this collections and it is in violation to the law so needs to be removed. XXXX properties incorrectly sold it as they never notified me of anything within the allowed 30 days. Again, this is a violation of XXXX XXXX XXXX XXXX
|
| 12/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received an alert that a collections account had been added to my credit report by " IQ Data International " for " The XXXX. '' This debt is NOT VALID. There is no debt owed and they have violated both the FDCPA and Texas Property Code.
FDCPA Violation 808. Unfair Practices Notice of Debt ; Contents 'IQ Data International Never sent a dunning letter. They are required to notify me of any alleged debt along with the contents of the alleged debt. This fraudulent debt being added to my credit report has also caused a FDCA violation for reporting of inaccurate information.
Texas Property Code Violations Sec. 92.201. DISCLOSURE OF OWNERSHIP AND MANAGEMENT Failed to disclose information - Disclosure to a tenant under Subsection ( a ) must be made by giving the information in writing to the tenant on or before the seventh day after the day the landlord receives the tenant 's request for the information Sec. 92.202. LANDLORD FAILURE TO DISCLOSE INFORAMTION o A landlord is liable to a tenant according to this subchapter if : o ( 1 ) after the tenant or government official or employee makes a request for information under Section 92.201, the landlord does not provide the information ; and o ( 2 ) the landlord does not give the information to the tenant before the eighth day after the date the tenant, gives the landlord written notice that the tenant may exercise remedies under this subchapter if the landlord does not comply with the request by the tenant for the information within seven days.
Sec. 91.001. NOTICE FOR TERMINATING CERTAIN TENANCIES o Law not followed after notice given Sec. 92.101 through 92.110 o Landlord Never mailed my security deposit or an itemized list of deductions. They had 30 days to mail this information from the date of me vacating the premises per Texas Property Code.
As per Sec. 91.001. NOTICE FOR TERMINATING CERTAIN TENANCIES. My notice included my move out date ( XX/XX/2021 ) and my forwarding address for my deposit and any final invoices. The XXXX never mailed a final invoice nor refund my deposit which is required under Sec. 92.103
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| 05/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
Older American, Servicemember |
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I was living in an apartment complex called XXXX XXXX. I had been there 3 years when I began having trouble with an upstairs neighbor. I have XXXX and she was barbequing frequently in front of my apartment patio. This was in violation of complex policy which required 10 feet away from the building. i could not confront her about this because she was hostile to any complaints made about her by any of the other residents. Complaints to management went poorly as management changes personnel about every two or three month. I would file a complaint, they would tell her to stop and a week later she was doing it again. Then a friend of hers starting parking his car outside my apartment at night and turn his radio up full blast ; turn on his high beam to flood my bedroom. Wait for me to get up and then drive away. I complained about this too and told them It was effecting my health severely. Again, no further action was taken by the management. Then she got into an argument with an elderly neighbor across from her. The next day that woman was found dead. Then she beat up her son in front of my apartment and I called the police on her. Then she had XXXX XXXX and management treated her unit but not anyone else 's. I was forced to treat my own unit at my own expense. When I informed them I could not live under these conditions they did nothing to work with me about resolving the problem.. It seems since she was a XXXX XXXX resident and I was not ; she had preference to stay there. I oved out owing 3 months rent on my lease. Since then I have filed disputes with them and with the collection agency ; which is not in my state of Missouri. I find now, that that agency, I Q Data International in XXXX Washington is adding interest charges to this account. It was originally {$1000.00} but is up to {$1300.00} in the space of two months. This has ruined my credit score more then XXXX points. I feel the apartment failed to honor the contract long before I did. And they waited three years to turn it in to collections. The management company is XXXX XXXX
|
| 03/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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On XXXX/XXXX/2022, I called IQ Data International after receiving a letter in the mail saying that it may be possible to negotiate settling my outstanding accounts at a very favorable discount. That evening, I received XXXX letters confirming in writing that if I paid a total sum of {$10000.00} by XXXX/XXXX/2022, that my XXXX outstanding accounts would be settled in full and that IQ Data International would request deletion of any negative information supplied to any credit bureaus regarding these accounts.
I was provided the account information to make a wire transfer and sent the full {$10000.00} owed on XXXX/XXXX/2022. I immediately sent the transfer receipt with confirmation number to XXXX XXXX, the operations XXXX who had sent me the agreements. XXXX did not acknowledge receiving the transfer receipt, so I sent the receipt again on XX/XX/2022 to both of her e-mail addresses listed in her signature. I then proceeded to call the agent I had spoken to on the phone, XXXX, who told me that they had just received the funds from the transfer and my end of day I would have confirmation.
On XXXX/XXXX/2022, I was sent two letters confirming payment was received in full for both of my account, settling the account and releasing me from further liability regarding obligations to the original creditor. It also reiterated that IQ Data International would request deletion of any negative information supplied to any credit bureaus regarding this account.
On XXXX/XXXX/2022, my XXXX credit history was updated to show that I still owed {$780.00} on one of the accounts. XXXX and XXXX credit histories continue to show that I owe the full balance and do not acknowledge that the accounts have been settled.
On XX/XX/2022 I sent a copy of the XXXX report and the letter from IQ Data International stating my account was settled in full to XXXX XXXX, requesting an investigation into the matter and corrective action to remove the negative information from all three reports and update the account as settled in full. No response has been received.
|
| 08/12/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I was contacted on XXXX by I Q International. When I spoke with the rep he was very verbally abusive. He stated that I need to pay the amount in full and that they do not accept any type of payment arrangements. I told im i did not have the XXXX he then stated why was I calling him and wasting their time. However, I did not call them. He then stated they were going to negatively affect my credit. I decided to take a moment to calm down and call back on XXXX. When I got a rep on a phone I stated what happened the day before and that I had questions. He stated they do but they do not make payment arrangements. He advised me first I need to apply for a loan from a third party to pay them in full. He stated I need to do this with a co-signer because of my credit was bad. I personally do not think this was any of his business to ask me that kind of information. He then went on to state that if I was denied I need to send them that information and then they will talk about payment arrangements. I have never heard of a company that collects debt dealing the way they are and find it not right as well as abusive and intrusive to personal business that they should not be asking. They have degraded me and made me feel as if im am being bullied in to applying for a loan I know I can not get or a loan that is going to cost me well over what my normal debt is. I asked if they will provide any paper work stating I am making payments as i already know i will not be able to get as I do not have a co-signer or the credit score to obtain such a loan. He then stated that they do not give any type of paper stating I am paying so I can try and get another apartment and show I am working to pay that debt off. I'm not sure if this is a legit way of doing business with people or if this is a complete scam. My next move is to open a lawsuit since I can not even get the correct information or any type of document showing im paying or what they are saying is true. Its not okay to treat people in this way when they are trying to pay.
|
| 05/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
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Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) IQ data All 3 collection services have incorrect information which I keep trying to dispute and it clearly isnt working The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals.
See 15 U.S.C. 1681u ( a ), ( b ). The Act eliminated the requirement of a nexus to a foreign power or its agents and instead requires that the information sought be relevant for various national security investigations to protect against international terrorism or clandestine intelligence activities.
See 1681u. The Act also broadened other federal agencies access to consumer reports. Section 1681v obligates CRAs to provide consumer information and reports to a federal agency authorized to conduct investigations of, or intelligence or counterintelligence activities or analysis related to, international terrorism. Senior federal agency officials are empowered to issue a certification that the information is necessary for the agencys conduct or such investigation, activity, or analysis. See 1681v ( a ) & ( b ). Upon certification that disclosure to the subject would impair national security or interfere with an investigation, the entity providing the information is not permitted to disclose to the subject or others ( except counsel and those necessary to comply with the request ) that the government agency sought the credit report. See 1681v ( c ). State and local law enforcement within fusion centers often work in conjunction with the FBI or other federal officials to seek consumer reports pursuant to either 1681u or 1681v authority. If 1681u or 1681v is not utilized or applicable, consumer credit information may be obtained by seeking a court order or subpoena as authorized at 1681b.
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| 06/09/2023 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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On Friday XX/XX/XXXX at approximately XXXX XXXX time I spoke with XXXX XXXX at IQ Data in regards to my account.
During our conversation as I asked more questions for clarity, she told me I was refusing to pay after I stated several times that I would continue to make my payments by the XXXX, but just did not know the amount yet.
I asked if I could call back by the end of the month prior to my due date to confirm a payment.
When I said this she launched into derogatory dialogue, indicating that I owed them {$6000.00} ; previous representatives indicated that my bill was only {$3000.00} ; and continued to used abusive language as she berated me and was verbally abusive. After XXXX 's abusive language ended she stated " I am noting your account as refusal to pay '' and ended the call.
I have been paying on this account for close to a year ( over {$1000.00} has been paid to date ), but due to lack of work I was seeking to understand what a minimal payment would be for this month of XX/XX/2023.
Lastly, when I asked if I could receive information in writing XXXX XXXX said " No, this is not something they do ''.
I believe this collection company has violated my rights under 15 USC 1681. And I believe should be removed from all of my credit reports.
IQ DATA has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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| 05/31/2023 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I contacted the leasing office at the apartment complex regarding flooding in my apartment that was due to their pressure washing service. They refused to pay for XXXX of dollars of damage, which resulted in a loss of clothes and shoes for my clothing boutique. Because I involved my attorneys, the collection agency ( IQ Data ) assessed fines. The amount listed by the collection agency is not the amount that I was told that I owed. I made payments on the balance each month and was notified in XXXX that it had been sent to collections.
In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to fair debt collection practices and privacy and confidentially under 15 U.S.C Ch 41 Subchapter V 1692f ( IQ Data ). Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S. C. 1681c. ( A ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than words of convictions of crimes, which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Companies have been contacted regarding this matter.
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| 02/16/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XXXX XXXX, XXXX, I found out that XXXX XXXX of XXXX XXXX and XXXX XXXX XXXX, XXXX sent me to collections at IQ DATA INTERNATIONAL IN license number NMLS # XXXX and they reported on my wife and my credit report that we were delinquent and owed an amount of {$3100.00}. I immediately called them and asked them what this was for since I had never received a bill. They sent over a bill to me within one hour of talking to them. Once I received the bill I saw there were fees on there that should not be being charged nor had they given me the opportunity to even pay it before they sent to collections. As soon as the area manager got involved she acknowledged that there were some charges on the bill that were inaccurate and she told me via email on XX/XX/XXXX that this account has been removed from collection and would be removed from my credit report. In the meantime she finished her accounting and came up with a bill that we both agreed upon. She gave us one week to get the payment sent in or it will be put back on my credit report. XXXX XXXX XXXX XXXX received and cashed the check within one week and they confirmed via email it was received. However, it is still on my credit reporting and it is affecting my wife and i financially to be able to obtain and secure a home loan and all the while interest rates are going up due to the delay in getting this erroneous credit reporting which in turn will end up costing me thousands of extra dollars due to the negligence of this companys s ill will reporting to my wife and my credit report. Not only that interest rates have now gone up and it is going to affect my overall monthly payments on my new home loan when I get approved now. All my rent payments were made on time and I have proof of this. I am also attaching documents showing that IQ DATA INTERNATIONAL , INC. license number NMLS # XXXX is not even licensed in Michigan to collect consumer ( s ) rents. At this point I need help from the CFPB to intervene and investigate this company.
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| 01/22/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX and IQ International Data is falsely trying to collect {$880.00} after move out. I was a former tenant of XXXX XXXX XXXX as a sublet to a previous tenant, XXXX XXXX, from XX/XX/XXXX to XX/XX/XXXX. After move out, we did not receive our deposit of {$590.00} back from the property that was previously managed by XXXX XXXX. Per California civil code 1950.5 ; Landlords will need to provide an itemized statement of any additional fees and/or the security deposit within 21 days of move out ( https : //leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml? lawCode=CIV & sectionNum=1950.5 ). We did not receive either information. I sent out a certified letter requesting said information to XXXX XXXX XXXX but could not get a response as the manager did not check the mail and the letter was returned back to me. I am now, in XXXX receiving a mark on my credit report indicating there is a left over balance of {$880.00} from IQ International debt collection agency, exclaiming I am the sole leasee and only responsible for this debt. Can you please confirm whether or not previous management sent out a full letter explaining all extra charges and deposit allocation addressed to me, XXXX XXXX. The information I received from IQ was a charge of {$790.00} but does not include the deposit of {$590.00} that should have been used had there been any additional charges. Furthermore, the debt collector IQ Data on a recorded call in XX/XX/XXXX, told me that my address was not updated with the United States Postal Service but I am attaching proof that I did update my address for XX/XX/XXXX, and all my other mail was correctly forwarded except the letter from XXXX which I believe a move out statement was never created or even mailed. I reached out to XXXX XXXX in XX/XX/XXXX and was told by XXXX they don't see any info on my account.
Attached is proof of the updated address and proof of my letter to XXXX XXXX XXXX and the letter that was sent to XXXX XXXX XXXXXXXX with dates attached.
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| 01/28/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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IQ Data International , Inc sent me a letter stating that they are trying to collect a debt in the amount of {$300.00}. I immediately wrote them back disputing the alleged debt on XX/XX/XXXX. I asked IQ Data International , Inc to validate the alleged debt and to stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. I never received the response that I'm entitled to by law, instead on XX/XX/XXXX at XXXX XXXX I received a call from XXXX from IQ Data International , Inc. He informed me that the call was an attempt to collect a debt. I informed XXXX that I sent a debt validation letter and I have not received a response. XXXX confirmed that IQ Data International , Inc received the letter and did not respond to it. XXXX stated that it was " just a debt verification letter '' and proceeded to ask me who my employer was. He continuously ignored my request to be contacted by mail only, instead, he repeatedly asked me to verify my phone number for future calls. IQ Data International , Inc has XXXX respect for the law and is in clear violation of the Fair Debt Collection Practices Act, Validation of Debts 15 U.S.C. 1692g ( b ) Disputed debts " If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector ''. IQ Data International , Inc made no attempt to validate this alleged debt to ensure it was accurate or if it belonged to me, instead they violated the FDCPA with their debt collection harassment.
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| 06/24/2022 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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I was contacted about one account from an apartment that I paid off, and as soon as I paid it they attached an account that I was not associated with for an additional {$610.00}. I told him I didnt owe that, my name was not on that account, and they need to remove it off of my credit. They refused to, stating that they knew that I lived at the apartment ( even though my name was never on the lease ). Im not even sure if that is legal to attach a debt I was never connected to because the account holder was a girlfriend at the time. Because I need to move, I wanted it off of my credit. I asked that it be removed off my credit and whomever the account was associated with, and was transferred to the operations manager, XXXX XXXX, who immediately was loud, abusive, and rude, stating that he was sending a letter of deletion for both parties as a courtesy and if I did not tell him what card I was paying with, and if I didnt pay he would disconnect the call, and I would be free to call back and pay without getting the account deleted. The second I told him I had already planned to pay and told not only him but his other coworker who manage my account that I was paying and just wanted to get the letter, he continue to cut me off and yell. The second I told him I would give him my card information he immediately changed his tune, took my information, and immediately hung up. I understand that collections can be seedy at times and dealing with the public that owes debts can be frustrating but I have dealt with not only him, but other account managers being EXTREMELY rude right off the bat. I have been threatened multiple times that my credit would suffer if I did not pay the full amounts. I am beyond livid that I wasnt even given the courtesy of a civil conversation and I am essentially being backed into a wall and forced to pay them money I should not be responsible for. This is one of the worst companies I have ever dealt with and I dont know how they are still in business.
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| 02/12/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/XXXX after XXXX we were called by XXXX XXXX requesting for us to make a payment of an alleged damaged that they claim we did. We made clear to them that those damages ( picture of damages attached ) were not made by us and that we were not intended of making any sort of payment. They said that if a payment was not made that they were going to report us to collection. That was the end of that phone call. Days after the call with XXXX XXXX in which we made clear that those damages were not made by us and that we weren't planning on paying, they decided to call not only me, but my husband and my daughters requesting for us to make a payment. One that was never made and led this to reach collection.
The first letter received by I.Q Data International Inc. was on XX/XX/XXXX ( letter attached ). On that letter they included the amount that was being reported, one of {$1200.00} with a {$31.00} of interest with a total of {$1200.00}. Same letter provided a section ( no longer on the attachment ) to cut and send back. On that part we selected that we were disputing the charges and requesting more information. ( Attached letter send to them disputing the charges ) The letter was send on XX/XX/XXXX at XXXX and according to the tracking number the letter arrived to the destination on XX/XX/XXXX at XXXX. Almost a month later we receive a second letter from them ( letter attached ) on XX/XX/XXXX in which they are requesting a payment. Ignoring and disregarding completely the letter that we sent that we were disputing the charge. They did not only ignored our petition but failed to respond on a timely manner and did not provide any proof and verification of the debt. Not only that but I.Q International Inc charged us more interest, than the first letter, with a total now of {$1200.00}. At this point it seems that they are not willing to take us serious and that they won't provide the minimum to confirm such debt that they claim were made by us.
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| 01/13/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I moved out of my apartment, The XXXX managed by XXXX on XX/XX/XXXX. I overpaid them by {$620.00} because the office staff would not tell me the total amount owed before rent was due on the 1st and I did not want to make a late payment. After the final walk through where NO damages were found, they told me I would receive a refund within 3 to 4 weeks after moving out. When I did not receive a refund I called the XXXX apartment office multiple times and no one answered. I left multiple voicemails. I then contacted my bank, XXXX XXXX, and sent them the documents showing the amount I owed the XXXX apartment for XXXX rent and my bank agreed I was owed a refund. My bank tried contacting them multiple times over a period of 90 days. At the end of the 90 days, my bank refunded me the {$620.00} that I overpaid. XX/XX/XXXX at XXXX a debt collections company called me from XXXX and said that I owed the apartment the {$620.00} that my bank refunded me. I explained to them the situation and that I did not owe the money and that they could contact the bank who legally refunded me since the apartment did not. They claimed that it was " my opinion '' and demanded to know what documents I had to support that proof. I told them I had documents from the XXXX apartment stating how much I owed and they completely ignored me and kept stating it was " my opinion and not fact. '' The same debt collections company contacted me again on XX/XX/XXXX at XXXX and then again on XX/XX/XXXX at XXXX harassing me, demanding to know why I hadn't paid it yet. I explained to them multiple times that I did not owe the apartments any money and that the apartments are committing fraud by claiming the money as debt. I also told them to stop harassing me. Today I found out that they reported it to the credit bureaus and it went against my credit history. After disputing this with you I will be filing a complaint with the attorney general 's office for the fraud they are committing.
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| 10/14/2020 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I got a phone call from IQ Data International in an attempt to collect a debt this morning XXXX XXXX at XXXX XXXX regarding a {$250.00} charge that I owed to XXXX at XXXX XXXX XXXX. I was a resident at XXXX ( Located at XXXX XXXX XXXX XXXX XXXX, XXXX, Ca XXXX ) for a period of 13 months, and moved out on XX/XX/2020. According to IQ Data international, I owe {$250.00} to XXXX and now my account has been sent to IQ Data to be collected. I had already contacted the XXXX at XXXX XXXX XXXX management about this matter on XX/XX/XXXX asking them to call me back because I disputed the charges and did not understand the charges. XXXX has wrongfully charged me for 1 day extra on that bill, claiming they did not get the keys from me until XX/XX/2020. Also, they claim that I have not returned all keys to them so there is a lost key charge ( {$50.00} ). There are some additional charges on the account that I was never told and I never agreed on when I had the manager over for the final walk through of my apartment.
XXXX management has changed multiple times during my 13 months stay, and there is always a mismanagement of that place. XXXX owes me {$1500.00} for a client referral and has not paid me as of today. They referred my account to IQ Data International and this company called me this morning and the guys were super abusive on the phone. They were yelling and threatening me to pay or they will hit my credit asap. I told the guy I disagree with the charges and I am disputing and he started raising his voice and started became very hostile and abusive. Then I asked for a manager and XXXX came on the line and he was even worse than the first guy. Raising his voice yelling and threatening he will hit my credit and I must pay now. I told him I will be going to the XXXX to resolve the issue and he said they wont see me or they wont talk to me, which was not true. I went in and tried to talk to the new manager and they are gon na look into my case.
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| 10/26/2021 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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I feel that no one is taking serious this situation, I begging the CFPB to please take care of this matter, on Mon XX/XX/XXXX, at XXXX XXXX I Q Data received a certified letter # XXXXwith a Cease and Desist and an Affidavit of truth marking all the violations they committed. In one of the letters I asked to cease and desist all forms of communication with through any and all mediums, I asked to delete and zero out the accounts from any consumer reports, and to pay the invoice for every violation they committed, I gave them a 30 days period, Its been 30 days and they still reporting the alleged debt, and they have not responded with my requested remedy. Pursuant 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication They should not have any communications through any mediums and they should cease and desist the mentioned activity. If we look at the The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. ( They still conveying information regarding the debt through all the Consumer reporting Agencies ) They are on violation. which is not even included in the invoice that I sent them previously. Another violation they committed from the beginning is which is not in the invoice either, 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally.
I never gave I Q Data a written consent to even communicate with me about this alleged debt, No consent is Identity Theft.
I'm feeling very frustrated and very XXXX out about this situation, I have to literally no sleep because I have been dealing with this, and I feel they are going to cause me receiving further injury damages, mental anguish, and looses due to me being a victim of identity theft.
They are in default of the cease and desist and affidavit of truth I sent them, HOW CAN SOMEONE REBUT AN AFFIDAVIT OF TRUTH?
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| 08/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Moved out of XXXX XXXX XXXX ( XXXX XXXX XXXX ) after giving my 60-day notice. Upon turning in the keys, I requested to be present for walk-through. No notice was ever given of when this would be. 2 weeks after moving out, I receive a collection agency letter stating I owed approximately {$140.00} and that they hoped I had enjoyed my stay at XXXX XXXX and that I had received notice from the apartments about my past due amount. I NEVER received a move out walk-thru notice from the apartments!!!! And keep in mind this is only 2 weeks after I moved out!! So where would be the time to pay them even if I HAD received a bill from them? They had already sent it to collections! I paid a visit to the office after receiving the collection agency notice and XXXX, the receptionist, went in the back, spoke with someone there, said I only owed them about {$96.00}. I requested this in writing and she said the manager would call me the next day. That never happened.
I don't feel I owe them any money since I never got the walk-thru I requested and I never signed the walk-thru. I was given 3 different amounts of what I supposedly owed and after contacting the management company, who referred me to the regional manager, I was sent an email with a detailed list of move out fees I supposedly owed and it is close to {$500.00} this time! She said in the email that now I would have to deal with the collection agency since it had already been turned over to them. OMG, I have never been treated this XXXX by an apartment complex in my life! I wouldn't have believed it if it hadn't happened to me!!!
I would appreciate any and all help with this matter. In my opinion, consumers should get to dispute these collection agency letters BEFORE they are sent to the credit companies. It's not fair that I have a negative item on my credit report for something I don't owe. XXXX only upped the amount on the report, didn't even bother to investigate this.
Thank you.
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| 11/24/2022 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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The debt company that was trying to collect a " debt '' from my wife and I, is IQ Data International In. They started calling us back in XXXX and XXXX demanding that we pay a debt of {$310.00}, that we owed to an apartment establishment we were renting from prior. I told them we have never received a letter or notification about this after moving out. I asked what the charges were for and they explained to me it was for unpaid utilities. I went back and forth with the employee for 30 minutes about how all the utilities except electric was included into the rent. He began to tell me that, that's not how rent and utilities work and that I had back charges. I let him know again that the utilities were included in the monthly rent and all he kept saying was we needed to pay or it will be sent to collections. I then told him the XXXX XXXX sent us a check for our XXXX and asked why that happened if we owed them anything. He could not answer and kept telling me if we didn't pay, the amount is going into collection.
After a week passed since talking to someone for IQ Data, I received a notification on my phone saying that my credit score has changed and that there is an account in collections. This was XX/XX/2022. I then submitted a dispute on this account on XX/XX/2022. I called IQ Data and asked for a dispute hotline and was given an email. The investigation was completed on XX/XX/2022. The only results I gotten back was " XXXX investigated your dispute but did not change your information '' and I was left back at square one.
Upon filing a dispute through XXXX XXXX, I also sent an email that was provided to me by an IQ Data employee. I sent the email on XX/XX/2022 with multiple attachments of my rental history/payments. All which were provided to my the leasing office of the apartment I rented from. It showed everything I was paying and at the bottom of the document, it showed all the last charges from the last month I lived there.
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| 10/14/2020 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I got a phone call from IQ Data International in an attempt to collect a debt this morning XXXX XXXX at XXXX am regarding a {$250.00} charge that I owed to XXXX at XXXX XXXX XXXX. I was a resident at XXXX ( Located at XXXX XXXX # XXXX XXXX, XXXX, Ca XXXX ) for a period of 13 months, and moved out on XX/XX/2020. According to IQ Data international, I owe {$250.00} to XXXX and now my account has been sent to IQ Data to be collected. I had already contacted the XXXX at XXXX XXXX XXXX XXXX about this matter on XX/XX/XXXX asking them to call me back because I disputed the charges and did not understand the charges. XXXX has wrongfully charged me for 1 day extra on that bill, claiming they did not get the keys from me until XX/XX/2020. Also, they claim that I have not returned all keys to them so there is a lost key charge ( {$50.00} ). There are some additional charges on the account that I was never told and I never agreed on when I had the manager over for the final walk through of my apartment.
XXXX management has changed multiple times during my 13 months stay, and there is always a mismanagement of that place. XXXX owes me {$1500.00} for a client referral and has not paid me as of today. They referred my account to IQ Data International and this company called me this morning and the guys were super abusive on the phone. They were yelling and threatening me to pay or they will hit my credit asap. I told the guy I disagree with the charges and I am disputing and he started raising his voice and started became very hostile and abusive. Then I asked for a manager and XXXX came on the line and he was even worse than the first guy. Raising his voice yelling and threatening he will hit my credit and I must pay now. I told him I will be going to the XXXX to resolve the issue and he said they wont see me or they wont talk to me, which was not true. I went in and tried to talk to the new manager and they are gon na look into my case.
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| 10/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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In the state of Florida a collection agency can not charge interest on a debt without it clearly stating so in an original contract. I have sent several letters to IQ Data notifying that they are damaging my credit by charging very high rates of interest month over month then I noticed that they were stating that they were collecting a debt for XXXX XXXX XXXX XXXX so I thought that this maybe the result of identity theft. I contacted XXXX at XXXX who has notified me that the account actually belong to XXXX XXXX XXXX XXXX I then advised her that the information sent to me does not match whats listed on my credit report and there is no clause stating they can charge me these high interest rates she the proceeded to hang up the phone on me. I called back in and spoke to XXXX XXXX and requested to speak to a supervisor and she advised they were all in a meeting and proceeded to transfer me to XXXX who proceeds to hang up on me every time I request pertinent information about the account which I feel is a violation of my rights. Today XX/XX/2021 I advised her I had a consultation with an attorney to confirm that under Florida debt collection practices if they are allowed to do what they have been doing i have not hired an attorney I just have had consult with one and she rudely told me to stop harassing IQ data and to have an attorney call them on my behalf and XXXX. I am under the impression that I am entitled to an accurate and fair credit reporting and I feel IQ Data is defaming my good name and credit profile. I would like for it to be noticed that the balance listed is inaccurately reporting, the name is inaccurate for the original creditor, and I am being charged an extremely high interest rate on this debt. Please see screen shot of balances reporting for the month of XXXX the same month the " validated the debt '' the balance is listed incorrectly due to constant interest being added.
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| 10/21/2023 |
Yes |
- Debt collection
- Rental debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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IQ Data International was employed by XXXX XXXX XXXX XXXX XXXX Florida to attempt to collect a debt owed by whom they thought was me. I filed a police report in XXXX which I will attach below to demonstrate this ongoing problem and after reviewing numerous evidence at the department, the individual who was using my identity was actually XXXX XXXX XXXX XXXX XXXX and I am a caucasian male. They altered the picture on my drivers license and were using a fake California address. Detective XXXX XXXX of the XXXX XXXX Police Department is happy to speak with any parties necessary as well.
Furthermore, IQ Data International mailed me a fraud packet which came 1-2 weeks late and I filled out and returned the necessary information and then more. I followed up today and they stated they mailed another fraud packet on XX/XX/XXXX to my address, however, they stated they never received my initially returned packet well over a month ago. I had a return address on the envelope and I never received the mail back, therefore, it exists somewhere in their hands or more shady actors. This was deeply personal information to prove my true identity and they just blew it off stating they never received anything and to start over.
XXXX XXXXXXXX XXXX was beyond faulty and potentially criminal initiating this lease as they did not run my credit as my credit is frozen with all three bureaus and distributed a false lease under my name. How this occurred and oversight was not utilized is deeply chilling and then employing a collection agency with similar behavior to drop the ball just exacerbates everything.
Detective XXXX XXXX is going to have to subpoena the apartment complex and potentially the collection agency as they have not been cooperative. The issue is I live in Illinois and my identity in this instance was stolen in Florida and different legal jurisdiction has to be involved to pursue the issue.
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| 08/15/2021 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I have been working tirelessly to improve my credit and provide a better living situation for me and my children, despite having difficulties with collection agencies reporting false information to credit bureaus. Collection agency IQ DATA INTERNATIONAL has been falsely reporting to XXXX credit bureau since XX/XX/XXXX. My credit report states that my balance owed is {$16000.00} and that my original balance is XXXX. The balance amount constantly increasing. The original creditor is XXXX XXXX XXXX XXXX which is the name stated on the lease signed. Apparently they are going by multiple names because the name mentioned on court documentsXXXX XXXXXXXX XXXX XXXX, is not the company I signed my lease with.
I signed a rental agreement on XX/XX/XXXX with XXXX XXXX XXXX XXXX. I moved in a week later because I was told the building management had to move some else furniture into my apartment temporarily because the person 's apartment was not ready yet and they had nowhere to put their belongings. I was never compensated for this like I was told. This account is reporting the wrong balance owed. I have court documentation giving to me at court on XX/XX/XXXX stating that I owed {$3500.00} plus {$310.00} in attorney fees. As stated in a document I signed on XX/XX/XXXX I agreed to leave the apartment by XX/XX/XXXX, and I vacated as agreed. I also included this agreement signed on XX/XX/XXXX, a copy of the first and last page of my lease showing the {$1500.00} amount I paid for a security deposit that was not returned to me, and my balance was not adjusted to show it was applied to the amount I owed, and I also included with these documents to XXXX Credit bureau and IQ DATA International a copy of the cashiers check I paid to XXXX XXXX XXXX XXXXXXXX ( the original creditor ) towards my security deposit. The amount reported is again incorrect and this account should be removed.
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| 09/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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Date : Thursday XX/XX/2022 Time : XXXX EST Duration : XXXX Minutes Company : XXXX. Data Number Called : XXXX Details : My phone call started with an IQ Data representative -- can't recall her name, but she was very nice and professional. She presented XXXX payment options : the first was to pay in full ( {$5800.00} ), and then they would remove the account from reporting ; the second was to pay 80 % of the debt ( {$4600.00} ) and it would show as a paid settlement. I informed her that neither of these worked for me right now due to my current financial, unfortunately, so I would just have to ride it out and see if my financial flexibility improved. She said she understood and suggested that I speak to her manager, as they might be able to present a better option. I was then connected to XXXX XXXX, who was quite rude and very aggressive. Once again, he presented the same two options : pay in full, or pay 80 %. The option I presented to them, paying about 40 % of the debt, did not work for them, so I said I understood that 'they had to do what they had to do ' -- meaning they had to stick with their offer and not accept a reduced offer. However, Mr. XXXX replied quite rudely and asked me 'do you really want me to do what I have to do? This will get ugly and cost you a lot more money when we take you to court or put a lien against your income. You just provided updated information to us about your address, income, etc ... .so now we have all the information we need to 'do what we have to do '. I told him I had about $ XXXX that I could pay today to resolve the account. He asked 'Where 'd you get that money? If you saved up that money once, I don't see why you can't save up the rest '. I flat out told him he was being rude and making grand assumptions about my financial standing. Seeing that we could not come to a resolution, we ended the call shortly after that.
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| 01/04/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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To whom it may concern, I am writing this complaint against the XXXX XXXX XXXX XXXX and I Q Data International Inc., referring to a debt charged to me, including a debt collection in my name.
I point out the facts below : 1. I had an apartment rental contract with the XXXX XXXX XXXX XXXX beginning on XX/XX/2022 and ending on XX/XX/2022, i.e. a sixty days ( 2 months ) lease term, as per the attachment XXXX XXXX XXXX XXXX, which I filled and pay in full until the ending date.
2. Furthmore, I gave to the XXXX XXXX XXXX XXXX a written Non-Renew Lease notice XXXX XXXX ( XXXX ) days in advance, as per the attachment Non-Renewal Advanced Notice.pdf.
3. After I left the apartment, I started to receive some phone calls from the XXXX XXXX XXXX XXXX and I Q International Data as well as e-mails and a letter charging me a debt, which I do not recognize. Please refer to the attachment Letter from XXXX.
4. I answered them that a sixty days notice in advance for a non-renewal communication is impracticable, Not Possible, Impossible, because the contract is a XXXX days lease.
Reading the contract, these 60 days notice in advance would be considered as an early termination, which also makes no sense.
I also stated to them the guidance depicted in XXXX XXXX XXXX, which points that a XXXX days notice in advance would be enough.
Please refer to the attachments Letter to Gardens Page XXXX ; Letter to Gardens Page XXXX ; Letter to Gardens Proof of Delivery.pdf and Georgia XXXX handobook.pdf.
5. They never listened to me, and further put my name in collection, which is jeopardizing a lot my financial life.
I kindly ask the CFPB to contact the XXXX XXXX XXXX XXXX as well as I Q Data International an appropriate behavior and actions, as well as to remove my name immediately from the collection status.
Many thanks in advance, With Best Regards, XXXX XXXX
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| 03/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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I am writing to file a complaint against a collection agency, XXXX, XXXX XXXX, and XXXX Credit Bureaus regarding reporting inaccurate information and providing fraudulent credit information. This disputehas been filed 4 times for a Collection Item from [ IQ Data International ] This is inaccurate because, the amount listed as a debt was paid in full to the original creditor ( XXXX in XXXX XXXX XXXX on XX/XX/XXXX. I have included a copy of the Move Out Statement from the original creditor dated XX/XX/XXXX that shows a balance of {$0.00}. I am requesting that this item be removed from my file.
This is also inaccurate because, the balance owed of {$570.00} listed is wrong, as this was paid in full to the original creditor on XX/XX/XXXX.
This is also inaccurate because XXXX XXXX has reported different amounts to the bureau weekly over 6 times between XX/XX/XXXX and XX/XX/XXXX. This amount should not be changed.
I have forwarded the following documentation to the entities listed above to supporting my claim : 1. Letter to XXXX, XXXX, and XXXX XXXX.
2. Move Out Statement- Provided by the original creditor upon my move out. Listing the full payment of the amount owed of {$1100.00} dated on XX/XX/XXXX. I am requesting this be removed from my credit file or changed to reflect correct information.
3. Resident Ledger-Provided by the original creditor showing a corrected balance listed XX/XX/XXXX. This was sold to XXXX XXXX as a debt 2 months after the move out statement was provided with {$0.00} balance owed. I am requesting this be removed from my credit file or changed to reflect correct information.
4. XXXX Credit reporting- XXXX XXXX XXXX stated I paid the collection amount in full to them and have a {$0.00} balance. This is fraudulent. I have not paid any amount to XXXX XXXX XXXX XXXX Collection Agency.
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| 04/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I.Q. Data International , Inc.
XXXX XXXX XXXX XXXX, WA XXXX I received my certified letter requesting validation of the following accounts : RE : XXXX ( account number ) They are attempting to collect on these accounts. Although, they never responded. Under the Finance Code for my state, the debt collection agency has thirty ( 30 ) calendar days to respond to a debt validation request. All debt collectors operating in this state must be able to verify, or " validate, '' any debt on which they are attempting to collect payment. Georgia Finance Code Section 392.202 requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : The name of the original creditor The original date of default or non-payment of the debt The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance XXXX XXXX information If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. As such, all collection efforts on the debt must cease and any derogatory listing should be permanently removed from any consumer credit reports.
As of XXXX XXXX, I still have not heard from them. Under state and federal law I could sue them and ask for thousands. However, I would like to make every effort to resolve this matter amicably without presenting this case in court before a jury in my community.
I've have sent 2 letter for debt of validation on XX/XX/2022 and XX/XX/2022 and still haven't received anything regarding to that account.
If they delete the account and cease reporting to the bureaus, I will consider this matter resolved.
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| 09/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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XXXX XXXX illegally sold to I.Q. Data International INC. our XXXX rental related debt during the month of XX/XX/2021, which goes against the AB832 law. I.Q. Data International INC. has no legal obligations to pursue the XXXX related debt in collections per the XXXX California State law. The debt XXXX XXXX deemed XXXX XXXX, XXXX XXXX, and XXXX XXXX owed has been paid by the XXXX XXXX program in the form of a overpayment from the original amount owed of {$3100.00}, by paying a total of {$3100.00} on XX/XX/2021 directly to XXXX XXXX, within the legal timeframe under the XXXX state law, that also included a payment of {$37.00} to the illegal interest I.Q. Data International INC. pursued to collect.
Though XXXX XXXX management is aware that this debt was paid in full directly to them, they have refrained from notifying I.Q. Data International that this debt is to be disputed because it was paid in full. I have contacted I.Q. Data International since XX/XX/2021, by phone explaining to their representatives that the debt the were collecting is illegal, because it is XXXX related debt, and each time they stated they were awaiting a response from XXXX XXXX to confirm this debt, and to confirm the amount stating we owed was paid to XXXX XXXX in full by the state of California. I have reasons to believe that XXXX XXXX did not respond to I.Q. Data International in truth, which is why they are continuing to pursue this debt, though we are sending them proof in writing that the debt they have continue to collect is illegal.
The debt paid by the XXXX XXXX rental assistance program, to XXXX XXXX, included illegal fees. There was never a vaulted ceiling fee in our lease at any time we signed, or resigned our lease. XXXX also charged us for false damages such as painting the unit, and unit upgrade fees.
|
| 11/30/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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The company, IQ DATA INTERNATIONAL, purchased a debt from another company and I had no involvement with the transaction. According to 15 USC 3002 i am an natural person which means the name in all capital letters is not me. My name is XXXX XXXX. 15 USC ( A ) ( 1 ) The term " bureau '' means the Bureau of Consumer Financial Protection. XXXX XXXX, XXXX, and XXXX are assumed to be credit bureaus but there is only one bureau and that is the consumer financial protection bureau.
On XXXX XXXX XXXX Congress enacted HJR 192 to suspend the gold standard into abrogate the gold clause. This resolution declared that " whereas the holding or dealing in gold affect the public interest, and or therefore subject to proper regulation and restriction, and whereas the existing emergency has disclosed the provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of Congress... In the payment of debts. This resolution declare that any obligation requiring payment and gold or particular kind of kind of currency or an amount in money policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, and any coin or currency which at the time of payment is legal tender for public and private debts.
15 USC 1681 ( 3 ) ( E ) ( e ) the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mold living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
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| 07/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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I have been dealing with IQ Data International for 4 years and have tried to settle the matter with the company.
I worked for XXXX in 2018 and lived at one of their apartment communities. Due to a work conflict and an infected apartment with bugs, I was allowed to vacate the premises without owing a balance. I have provided documentation, i.e. emails from management stating I don't have a balance, to XXXX and the documentation was provided to IQ Data International and they refuse to accept my written correspondence.
On XX/XX/XXXX, I spoke with XXXX from IQ Data International, and she advised me to go to XXXX XXXX, while she was on the phone, and apply for a loan to pay this outstanding debt. She took information from me to see whether I qualify for a hardship settlement due to my circumstances and placed me on hold. She returned back and advised me to go to XXXX XXXX and apply for a loan for {$1800.00}, the debt is {$1400.00}. I explained to her my credit is not the best and I will not be approved, she insisted I apply. They are asking me to pay more than 20 % interest on top of the actual debt. I have no signed contract from the creditor stating I will be paying interest ; this is against the FDCPA. I have asked IQ Data to provide me with documentation from the creditor to show the stipulations, and they have refused to provide me with anything.
After a few moments, I told her I do not owe this debt since I have written documentation from a manager. She stated I need documentation from the regional manager, which I did provide, and IQ Data is still refusing to accept any documentation and have this collection debt on my credit going on 4 years.
This has caused me to find housing and tremendous hardship and qualifying for any credit and has impacted my score.
|
| 11/08/2022 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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We heard for the very first time by phone on XX/XX/XXXX that we owe {$510.00} plus nearly {$100.00} in interest for cleaning and utility fees that were supposedly due to our former apartments ( XXXX XXXX. ) in XXXX of XXXX. None of these charges were itemized or deducted from our security deposit. We received a full refund of said deposit and left our apartment in good standing with the company. For 2 years, we paid our rent in full on time. We even paid an extra month, after buying our new home, so we wouldnt break our lease at the apt . And now we have been harassed and threatened that our credit scores will be ruined by this collection agency. Our former lease states : 41.DEPOSIT RETURN, SURRENDER, AND ABANDONMENT. Deposit Return and Forwarding Address. You are required to provide us written notice of your forwarding address, on or before termination of this XXXX XXXX. Well mail you your security deposit refund ( less lawful deductions ) and an itemized accounting of any deductions no later than 21 days or as amended by Washington state law after the lease is terminated. Our deposit was returned in full. No charges were deducted. We were never mailed any billsfirst, second or finalduring the last 2 years. We called XXXX XXXX to further inquire about the charges, and they informed us they no longer have records of this matter because they are under new management. Dont these records need to be available for 7 years? Both companies charging us and pursuing collections are involved in bad faith business practices. What can we do when this happens? We feel completely vulnerable to any agency making claims to take our money under threat of damaging our credit scores, which we have worked so hard to maintain, even through the moratorium of the pandemic.
|
| 02/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I was never contacted by this company ( IQ Data ) via phone or mail. They had the wrong name and address but left a message with my mother. I returned the call as a willing payer. Both representatives I spoke with were rude, offensive, yelling, and abusive.
I explained to them that this debt was in regard to a move out balance and because the apartment complex sold the business to another company I could not get my move out balance because they never returned my calls and when I contacted them via email I was told that the company had sold and that I would be contacted.
When I spoke with the debt collection agency I explained this was not a broken lease or eviction and my arrangement is in writing and still stands. I also told them I never received any letters because they were sending the statements to the addressed the debt belonged to which I obviously no longer lived. I was told by them I had no reason for a dispute and I have to pay the balance in full today or it would be reported to my credit bureau. I tried to give my current address which has also been updated with the USPS, he refused to send me a statement of the charges. He said I did not update my info with the USPS and that was my problem. I was yelled at over and over by agents and as a collections professional myself I am appalled at how they conduct business XXXX ( second agent with IQ Data ) also refused to take my phone number and stated the only thing he would accept from me is a Visa, Mastercard, or Discover. The balance is now {$1700.00} and he refused to give me a breakdown of the charges. I have every intention on paying what I truly owe this company and only reached out to them because I have not received a notice or bill nor did was I made aware of my rights or options.
|
| 02/08/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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XXXX XXXX XXXX is a collection agency for rental properties and has reported to my credit reports on November 21, 2019. I never received any correspondence from them about owning debt so I was not afforded the right to request validation of debt. When I got notice of collection on my report, I immediately sent a debt validation letter to said company.XXXX XXXX XXXX never sent me anything showing I owed the debt but they did send me a letter dating XX/XX/XXXX which stated the original amount of debt was and then the interest they added onto the debt to make total even more. According to the FDCPA, ( Section if a debt collector is attempting to collect on your debt, they need to do so according to the original contract you signed. This contract refers to the one you signed with your original creditor. Even though this debt was most likely purchased from the original creditor ( or someone else who had purchased it from the original creditor ), the terms are passed down through the chain of ownership. Therefore, a debt collector can not add fees to your debt without permission from the courts. This means that you will need to have a judgment placed upon you before any fees are added. I have not received any court judgements or any paperwork from XXXX XXXX XXXX stating they were able to add interest. I kept requesting proof of debt on multiple occasions since XXXX of XXXX and a letter dated XX/XX/XXXX I received another letter with even more interest and then a move out bill that had the original amount owed by original creditor but no contract of any sort stating I was the responsible party who owed this amount nor had my or creditors information on it. I asked again multiple times why interest was being applied and even the creditors contact info.
|
| 09/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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I moved out of an apartment early along with my partner. There was a fee equal to 2 months rent, this final bill was sent Friday after XXXX XXXX. The following Tuesday the debt was paid in full, on XX/XX/2020. As Monday the XXXX was a federal holiday and the credit union that need to raise my limit was closed.
On XX/XX/2020 I started to receive odd calls on my cell from XXXX one at XXXX XXXX, one at XXXX XXXX and one at XXXX XXXX. Two additional calls were place at XXXX XXXX on the XXXX. At approximately XXXX XXXX I received a call from " IQ Data International '' on my work phone which is not public from XXXX. The caller did not identify themselves and said they were calling in regards to an old debt from the XXXX XXXX XXXX. I stated the debt was paid in full but they could provide a debt verification letter if they wanted to place it was not. I stated it was my right to have them prove the debt and the caller stated it was not and that I clearly had debt since they were calling me at work. Caller refused to provide a debt verification letter. I confirmed the amount paid and said I would email confirmation when they hung up on me. I called the XXXX XXXX XXXX within 5 minutes and they said they would resolve the issue.
The apartment manager emailed these addresses : XXXX XXXX, XXXX XXXX, XXXX XXXX And stated the account was paid in full and attached a statement. My partner was CCed on the email but I was not.
My partner received numerous other spam calls from a XXXX area code which the debt collected ID as them.
My XXXX profile was also view by a " XXXX XXXX '' whom is listed as a senior rep at IQ data.
No letter has been sent in the mail from them and I can show as such, as I have USPS informed delivery.
|
| 10/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
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This company is reporting inaccurate information on my credit report, and refuses to launch an investigation into the account thats being reported to Credit Bureaus under my Social Security number. On XX/XX/2020, I mailed a dispute letter via United States Postal Service Certified Mail, to I.Q. Data International Inc. to the address XXXX XXXX XXXX XXXX, WA XXXX, which is listed as their contact information. This dispute letter was delivered and retrieved from I.Q. Data International Inc., on XX/XX/2020, it requires a signature from the recipient for its release via United States Postal Service. I.Q. Data International Inc. hasnt responded to the dispute and failed to launch an investigation into this account within 30 days which is required by the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). This company also failed to mark my account as disputed within 30 days which violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act, Section 807 ( 8 ) by not placing the disclosure within the 30-day required. I have attached a screenshot of the tracking information stating this letter was received on XX/XX/2020. It is XX/XX/2020 and I still havent received anything from this company pertaining to an investigation of this account on my credit file. I am requesting that this inaccurate information be deleted from my credit file immediately with XXXX, XXXX, XXXX and any other credit bureaus. I.Q. Data International Inc. has violated federal laws and continue to report negative information on my file, without launching an investigation that is required by law. I believe theyre in violation of the Fair Credit Reporting Act and The Fair Debt Collection Practices Act.
|
| 01/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
Hello, I moved out of XXXX on XX/XX/2021. I submitted a notice as required by my lease on XX/XX/2021. I noticed that the email bounced back because they switched management companies so I went in to talk to them in person. They told me to turn in the notice there and so I did. I moved out on XX/XX/2021. I went to the office to turn in my keys, left a forwarding address and my number that hasn't changed in XXXX years. They told me that if they had any problems they would bill me in aout XXXX months. In XX/XX/2021 I received a call from the collection agency IQ DATA INTERNATIONAL. At first I thought it was a scam because I had never received anything from XXXX. They were also yelling at me on a recorded line and cursing me out. I hanged up and immidiately called XXXX. They said they they never had my phone number to contact me and my address so they didnt bill me.They also attempted to charge me for not giving them a notice. Once I provided documentation that I did in fact sent a notice they agree to take off most of the amount and contact collections to which they never did. I then contacted IQ and told them I would be getting a lawyer to which they responded you dont have a XXXX laywer. ( It is on a recorded line ) I began crying and panicking because teh representative was yelling. I offered to provided documentation to which they said that I could not dispute. I have attached an email from XXXX admitting that they charge was incorrect and honestly it proves that they never attempted to collect any charges before submitting me to collections. This is now affecting my credit and the unproffesionalist of IQ DATA INTERNATIONAL has caused me XXXX XXXX that i refused to speak to them as they were verbally abusive.
|
| 03/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
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On XXXX I received a letter from IQ Data International, the letter was dated XX/XX/XXXX of 2023. So for some reason I received the letter a month and a half later. The later stated I owed around {$1500.00} to my old apartment complex. I called on XXXX and left a voicemail saying I was confused as to what was going on, I moved away from there 2 years ago. On XXXX I was called by an employee named XXXX, who was nice at first. When I asked what I was being charged with he summed it up by saying 'turnover charges ' and then later when questioned again he said I didn't pay my last month of rent either ( {$520.00} ) .When I brought up that I could prove I paid that with bank statements XXXX quickly panicked, I don't remember what led to it but he said he needed to know how much I could pay. I told him but I told him I would not pay until I see what I'm being charged for, he threatened that it would not be deleted off my credit report until I pay it. I'm trying to avoid any scams as this is fairly common. He kept demanding my card information and I had to tell him no repeatedly and that I was going to shower so I could go to my job. XXXX made it very difficult to hang up and after I finally did he called me later at work, I called back and told XXXX that I'm at work and must do my job. I also told him that I could not talk, I work in a loud environment and he is not allowed to call me at work and XXXX kept insisting that I am the one who called and that I am missing out on an opportunity. XXXX refused to give a written list of what I'm being charged for and refusing to send out confirmation that this will be deleted from my credit if I do pay it. It was an awful experience and I feel harassed and unsafe.
|
| 09/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have contacted this agency multiple times about a debt from an apartment complex that I moved out of earlier this year. I called that apartment complex numerous times trying to get information about any move out costs, and they continually told me they didnt have the information. I later received a phone call from Iq Data collections and they informed me of the charges in their office over the phone. I told them I never received any written notification from the apartment complex or Iq Data with a list of the individual charges. The operator on the first phone call told me I needed to send an email to XXXX to request the information I needed to dispute the claim. She also told me they had been sending information to the address of the apartment I had moved out of, despite me providing a forwarding address upon move our. It should be obvious that I would not receive mail at an address I moved out of, but I also confirmed my new mailing address. I confirmed the email multiple times. I sent five emails to the email address provided, all with no response. I spoke to another member of their team over the phone and told him I have never received any written statement of the claim so that I can formally dispute it. He again reverified that I had the correct email address and I received no response. He also said he would forward the request to a supervisor but I still have not heard back, weeks later.
The dates of the emails are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX all of XXXX. I have the documentation to prove that the charges the apartment complex is claiming I owe are not valid, but I am unable to get this creditor to provide me with the information to dispute their claim.
|
| 08/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I received a call regarding an old lease that I was unable to keep up with the payments due to health issues and my car taking sufficient damage I tried everything I could to catch up with the payments to property and even went as far trying to work out a larger payment plan along with the rent but they just kicked me out.
Going in a year down the line I received a call from IQ international debt collections who reached out to me regarding the costs to property and the sum they were requiring me to pay and the conversation didnt start off too bad leading into the conversation it did get a little intense some curse words were being said I apologized multiple times on my end because that agent did not deserve to listen to my complaints she was just doing her job but past that I hung up because I wasnt in listening frame of mind I just needed answers that she was not willing to provide, so I call the next day again apologizing for my actions/verbiage on the last call and this agent ( male ) was very aggressive and kind of threatening he refused to help me was very rude the entire time demanding information even made the threat to withdraw funds from my check and went as far as to say they would take me to court so after a brief exchange of words back and forth the call was ended by the agent, and me thinking it got disconnected I called back at the extension he gave and that call did not go well at all he started screaming when he answered would not reason with me kept demanding I give him information I did not need to provide and continued to threaten legal action towards me and when I kept asking questions for more clarity just trying to show that I willing to be compliant he hung up on me again.
|
| 10/31/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I do not owe any debt to my prior landlord ( The XXXX XXXX XXXX XXXX in XXXX, IN/XXXX XXXX XXXX XXXX XXXX XXXX. I paid my rent in full and on time and provided notice of my intent to vacate the property per the terms of my lease at the end of my lease term. I did not cause any damage to this apartment.
In this instance, my prior landlord is engaging in extortion, using intimidation and threats to compel me to pay money that I do not owe. I was referred to a collection agency ( IQ Data International ) and this debt has damaged my credit score. This debt has been pursued for several years even as I have filed disputes. I have attempted to communicate with IQ Data International. My mail was returned because IQ Data International moved and left no forwarding address. I sent my communications to the address IQ Data International provided the credit bureaus and includes on their correspondence to me. IQ Data International is being intentionally evasive.
The XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and IQ Data International has not provided any proof or documentation of damages ( including requested photographs, repair costs and invoices for repair services or materials ). I filed a complaint with the Indiana Attorney General, XXXX XXXX XXXX and various other consumer affairs agencies when this debt was initially pursued in 2015. Further pursuit of this debt violates the Fair Credit Reporting Act as this debt is inaccurate and unverifiable. Pursuit of this debt constitutes fraud and harassment by my former landlord.
I am not attempting to purchase a home and this item is increasing the interest rate on my mortgage. Please note, I am an attorney. Your assistance is much appreciated.
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| 04/01/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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IQ Data contacted me ( XXXX XXXX XXXX on XX/XX/21 on a phone call to allow me to settle the debt I had with them which showed on my credit report as {$4600.00} ( IQ DATA stated that the principal was {$2600.00} on an email ) during the phone call they gave me the option to settle the debt for {$2300.00} and they stated that it would show as paid ( settled ) on my credit report and that I would not owe them any other amount. I agreed to the settlement and paid {$2300.00} with my debit card. I received an email stating the settlement, which said that I was released from any further liability regarding obligations to the original Creditor and IQ Data International. The e-mail showed that my due total was {$0.00} On XX/XX/21 I received a charge on my bank account from IQ Data for {$1800.00} I Called IQ Data ( they hung up on me several times before taking my call ). When someone finally took my call they ALREADY knew it was me XXXX XXXX XXXX XXXX without me even saying a word meaning they had my number on file. I spoke with XXXX and asked about the charge of {$1800.00}, XXXX said that I approved the amount of {$1800.00} on XX/XX/21 to " REMOVE '' the debt from my credit report instead of settling. I said that was not true and to refund me that amount because I had an e-mail receipt stating that I had settled the amount and I did not owe them any more money. XXXX refused to give me the refund and said I was lying, I asked for proof from IQ Data that I agreed to pay the {$1800.00}. XXXX said he didn't have to show me proof and hung up on me. As of today XXXX am still disputing the charge with my bank and my credit report still shows a balance owed to IQ Data International for {$2300.00}
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| 07/16/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I received a debt to collect from IQ Data after annoying phone calls. The letter is not on a company logo and looks fake. The envelope is date stamped XX/XX/XXXX but was not mailed until XX/XX/XXXX. No one signed the letter and only put a # XXXX.
I replied to my landlord back in XXXX ( at the time a debt was being paid ) and collected for them after I moved out. Fraud started to occur with the payments and the account. I disputed it timely and it was left alone no one continued to contact me. They always had my current mailing address. NOW out of nowhere this IQ collection letter comes in my mail BUT not until AFTER they wrongfully dinged my credit with the collection item AND it is not SHOWING as DISPUTED on my account. THEY have also added interest of over {$400.00} to a timely disputed account WHEREIN I never even rightfully got my security deposit back either.
MOREOVER, I have security freeze and fraud alert on my social AND neither alerted me to this item transaction going on my credit. NOR are they acknowledging any of the correspondences that I keep legally sending to them. I was wrongfully denied a refinance because of this illegal activity placed on my credit that is not showing correct data, how much I paid to them, or that it was disputed timely back in XXXX when I contacted the city of XXXX and the county of XXXX for them having a aoartment building that was not up to code and the XXXX XXXX XXXX for them engaging in accounting fraud.
FURTHERMORE the orginial landlord sold the property to another company back in XXXX and they did not pursue any more collection back then. IQ data has two address : XXXX XXXX XXXX XXXX WA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX.
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| 02/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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Concerned parties XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX moved out of XXXX XXXX XXXX My lease ended XX/XX/XXXX. I paid the lease through XX/XX/XXXX as required.
XX/XX/XXXX they sent me a moveout bill {$400.00} which included a charge that I disputed over resurfacing a bathtub that had already been in disrepair before I moved in. After exchanging emails, they agreed to drop the tub resurface charge and changed the amount due to {$200.00} XX/XX/XXXX I paid {$200.00} as requested ( attached ) and considered the issue done.
XX/XX/XXXX I received a collections letter from IQ Data ( attached ) dated XX/XX/XXXX saying that I owed XXXX the original amount {$400.00}.
This is becoming a nightmare that I can not get rid of. I contacted the office and exchanged emails with XXXX XXXX who wrote : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Good Afternoon, The collections account has been on hold. We have sent your ledger to show good standing, the agency will cancel the charges once reviewed.
Please let us know if you have further questions.
Cheers, XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XX/XX/XXXX I contacted IQ-Data ( XXXX ) XXXX about my account and they said they have had no contact from XXXX ( XXXX XXXX XXXX XXXX and still show me as a deadbeat.
I don't know who to complain about or what to do. I can not get a call back from XXXX and IQ-Data will not work with me.
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| 08/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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On today, XX/XX/XXXX of XXXX I received a call from a lady named XXXX who works with a debt collection company called IQ data.
I spoke with XXXX at links, as she told me that she had a collection in her possession from the XXXXXXXX XXXX. I lived at the XXXX from XX/XX/XXXX until XX/XX/XXXX, my lease ended on XX/XX/XXXX of XXXX and I paid all of my rent for the entire lease. In fact, I over paid by {$1400.00}.
I offered to send XXXX correspondence between me and the manager, XXXX, at the XXXX proving that I did not owe any money at all. She refused to allow me to send the correspondence proving that I do not owe the debt. She also refused to give me her contact information.
This point I called back and I spoke to a lady named XXXX who also refused to give me an email where I could forward the conversation between me and the XXXX She transferred me back to the lady named XXXX who gave me a fax number where I could fax proof that I do not owe the debt, but they would not except the correspondence from me because I have an attorney hired who handles my credit issues.
After contacting them and letting them know the issue that I am having, they are sending correspondence to her and they advised me to contact you and let them know.
The name of the company is IQ data. The fax number is XXXX I do not have any information regarding this debt because they refused to give me any information including a reference number or any way for me to identify the debt. She would not even tell me the full amount of the debt only that it was around {$3000.00} They also refused to send proof of the debt I was told that they were not legally obligated to send proof that I owed the debt.
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| 07/12/2022 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Today on XX/XX/XXXX I called IQ Data international to ask about two collections I have. I wanted information on what each charge was and why each charge was there. My other question was going to be about why every six months IQ Data International would restart the collection since XXXX. I called and was connected to a man named XXXX XXXX who I have spoken to once before back in XXXX of XXXX. When asking about the charges XXXX said that one was for a deposit fee, and the other from the apartment company. When I asked what my lowest monthly option was XXXX said I had to qualify. We went over all income and things of that nature when completed he said I would need to pay a charge between $ XXXX {$690.00} in order to start the lowest payment of {$50.00}. I said well isn't that half of what I owe you he said no you owe {$1600.00} and the $ XXXX {$690.00} is a security of payment. When I said that's crazy that's what the last unit manager told me and he said yes that was me. I then asked to speak to someone else or a supervisor he said he is the only unit manager of the company and that the boss doesn't speak with clients only handles written complaints. Wee then argued about that and the negotiation process I stated I had spoken to a lawyer who said prices can be negotiated XXXX said I was given false information and that if he was giving me false information he could lose his license. XXXX then yelled that he had that me say me piece which he didn't had that he was going to push the documents threw and then hung up. When calling back to file a complaint I was connected again with XXXX XXXX who stated that IQ Data 's HR doesn't handle complaints nor does the companies boss.
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| 07/28/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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When I moved out of my apartment, I requested a walk through on XX/XX/2019. The manager literally took out a piece of scrap paper and wrote only the oven needing cleaning. I did not sign any confirmation of final damages and neither did they. I asked her if I could have a copy of the scrap paper she wrote on and she stated that she couldn't make a copy because the " office was being remodeled. '' A few weeks later I received a bill saying that I owed {$700.00} for bogus charges with no proof. XXXX ended up keeping my {$500.00} initial deposit that I gave when I moved in, so if anything {$500.00} minus {$700.00} should be {$200.00}. XXXX even put the total amount owed on my credit report ( which is incorrect ) but I DO NOT OWE. My apartment was left in pristine condition, actually cleaner than when I moved in as the apartment looked like it just had a run over clean, floors were dirty, all the electric plugs had build up of years of grime on them ( which I made them clean later ) there was even a mildew stench and muggy feeling in the apartment, find out, there was a pipe leak in the wall. I even thought, how can maintenance not even feel how muggy it is and not smell that smell?? Water came leaking through my roof in the bathroom and water leaking out in the hallway coming from the attic where the air conditioner vent is. This goes to show how they do not even maintain their apartments correctly. All XXXX is out for profit at tenants expense. Because this report is on my credit, I am unable to rent a place because the landlords at which I apply, see this owed and deny me. I am asking for XXXX to do the right thing and remove this charge from my credit report at once.
|
| 06/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Today XX/XX/2023 I got a letter dated XX/XX/2023 stating I owe {$620.00} to my apartment, I went to my apartment and they stated there has been an error and miscommunication with a payment plan the apartment set up for me and the amount is different. The apartment stated that they will try to pull the debt from the agency and bring it back in house but to respond to the letter and call and give them a heads up that the apartment will be contacting the company IQ data international to update the amount and send in paper work on the mistake the apartment made. I called IQ and when I gave the information to pull my account I tried to explain the situation and if they had a fax to send information, the representative disregarded the information I gave him and asked for a credit card to process a payment today because he doesnt want this to damage my credit and he doesnt want to report it. I explained the situation and that the balance is not correct and if I can set up a payment arrangement while the apartment updates, he stated again to give him my credit card info to process payment and that this will be reported on my credit and affect me. I asked if I can have the fax number to submit the data and I would call him back in 30 mins and he said it wasnt necessary to call him and also to provide my credit card information to pay and he doesnt know when it reports to my credit and it will affect me. I stated that he is not listening that I am trying to submit paper work and I said ok you asked me not to call back I will pay online and he stated if I dont take care of this it is going to report to my credit. And to give him the credit card information to pay.
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| 04/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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My girlfriend and I both received identical letters ( attached below ) from I.Q. Data International , INC via USPS stating that we owe {$690.00} to XXXX ( XXXX ). Knowing that this debt does not belong to us, I composed a debt verification letter ( attached below ) requesting verification of this debt with proper documentation. After checking the box indicating that we are disputing this debt, I returned the initial letter along with the debt verification letter to I.Q. Data International via certified mail. I utilized certified mail to ensure that I would receive notice upon delivery ( attached below ). Under federal law, I.Q. Data International is required to provide us with documentation verifying this debt within thirty days after receiving our request. They received the debt verification letter on XX/XX/XXXX This can be verified by the signed return receipt, which I have attached below. Because they failed to respond I assumed that they were unable to validate the debt and therefore, I considered this matter closed. However, my girlfriend continues to receive multiple phone calls a day, during which they attempt to bully her into paying this debt immediately. They have also wrongfully sent our debt to credit report agencies which has negatively affected our credit scores. After reviewing the steps we have taken, I suspect their actions violate our rights under federal law. Along with this complaint I will also be filing complaints through my state attorney general as well as the Federal Trade Commission. We do not wish to press charges against I.Q. Data International, although we are certain their actions would justify it.
|
| 01/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I was contacted by the company ( IQ Data ) telling me I owed a debt from 1 year and 9 months prior. I explained that I owed no debt because I paid for everything ( rent ). They also informed me that this so-called debt included interest for the length of time they owned the debt yet I was also never notified when they took on this so-called debt. I then decided to disupte this and sent them a letter requesting for them to validate my debt. Included with the letter were 2 proofs of identity. I sent that by certified mail and they received that letter on XXXX XXXX. I waited a little more than a month ( 30 days ) and received no communication or response from them so I then sent a letter for request of removal. Included with that letter were the previous letter, 2 forms of identification, and a copy of the certified mail receipt from the previous letter. They [ IQ Data ] received that letter via certified mail on XX/XX/XXXX. Lastly, I called them on XX/XX/2021, to inquire about the status. They rudely told me that even though they may have received my second letter it wasn't in my file and they don't know when it would be added. I asked about a time frame for the response they informed me that they will settle this whenever they hear back from the original owner of the debt. I then referred to the 30 days for a response within the letter the man asked me where did I get information about the 30 days and told me there was nothing he could do an nobody in the company I could speak with to give me information about the process. After which he said he would put me on hold and then hung up on me. This was all on a recorded line by them.
|
| 01/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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IQ International is attempting to collect a debt that is not valid. IQ International contacted me in XX/XX/XXXX regarding a balance that was purchased by them from the XXXX XXXX XXXX. Upon receipt of their initial letter I immediately filled disputes with the creditor directly, as well as lodging several complaints against XXXX XXXX XXXX with the FTC and local regulators in both the State of Colorado and the State of California. I had lawfully terminated my lease at the XXXX XXXX XXXX per the terms of the lease ( failure to maintain a safe and liveable environment. I had provided management advanced notification of my lease termination via writing and within the timeframe my lease allotted. I also provided management at XXXX directly with both photographic and video evidence supporting my claims. Even though I had followed all requirements in my lease management at XXXX refused to abide by our lease terms and stated they would not honor the lease we had signed. I was not provided any invoice on move out and did not receive any further communication from XXXX until receiving a bill directly from IQ Data. No invoice from the creditor was ever sent to me advising of any balance owed. Upon receiving notice from IQ Data I immediately filled a compliant with CFPB. IQ initially responded to the complaint providing a invoice with no explanation for charges listed. Past the initial response I had received no further contact from IQ Data. Today XX/XX/XXXX almost 7 months after receiving the initial letter from IQ, after receiving no further follow up, invoices, or communication they placed the disputed account on my credit report.
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| 06/24/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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Have sent out 4 letters of disputes ( 2 different times for 2 different accounts ) to collection company IQ DATA, neither response letter from them was responded to within the 30 days they're required by law, they also did not include information requested. Such as origin creditor documentation, sworn affidavit, valid contractual obligation with signatures, documentation from creditor to authorize them to collect said debts, proof that the are allowed to collect debt in this state, copy of business license, bond with bond stamp, no paper work with signatures or copy of original contract. Also called and asked them to please remove said debt from collections and they said they're legal team was within in their rights and do not have to send the requested information desired in the letter of dispute. They're is no proof that I owe this alleged debt so I request that they remove from collections and dismissed the account. I have certified letters, receipts showing my letters of diputes, and time stamped mail from collections agency showing they did not respond within the 30 days.Thank you for your time, XXXX XXXX. XXXX. XXXX. I also have more documentation showing the information they did send me, the certified letter I sent with date and times, the envelopes with dates showing they did not respond within the 30 days by law. Again there not the copies of original contracts shown for XXXX XXXX, just XXXX page with a signature, nit the XXXX pages we had to sign and initial. And zero copies of contract or signatures for XXXX XXXX XXXX XXXX. All documents that IQ DATA sent as a response are included in the file attachments.
|
| 06/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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The collections company I.Q. Data International , Inc ( XXXX XXXX XXXX XXXX, XXXX, WA, XXXX ) has fradulently placed an account/debt on my name. Per the company, this debt is mine, which is a lease under someone with a similar name.
The loan is for a lease, which was from XXXX. I have been monitoring my credit with XXXX XXXX for some time now and this account never came up on my reports until XX/XX/23.
I do not know either of the individuals on this account. The woman on the account, has a similar name to mine, with the exception of the middle name. My middle name is XXXX. I firmly believe that the individuals XXXX XXXX XXXX and/or XXXX XXXX XXXX have falsely and fraudulently used my name and information for this account.
I only became aware of this account and that this account was under my name and in collections on XX/XX/23 when I received an email alert from XXXX XXXX stating I had an account that required my attention. The night of XX/XX/23 I filed a dispute with XXXX for this account. On XX/XX/23 I was informed by XXXX that the dispute investigation concluded the account does belong to me, which is untrue.
On XX/XX/23 I called XXXX Police Department to file an incident report for fraud. On XX/XX/23 I also spoke to officer XXXX XXXX who submitted an incident report, which is filed as incident report XXXX. On XX/XX/23 I called XXXX XXXX to request a copy of the report.
In addition, when calling this collection agency, the first individual, XXXX, was very rude and refused to give me information for this loan. It took me calling XXXX other times for the files so suddenly appear and be given any information.
|
| 02/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
|
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I received a collection notice from the company on XX/XX/XXXX. This was my first notification that I had any outstanding debt/a collection account outstanding. When I asked, they stated that they had sent " multiple letters '' ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) but that all of the prior letters had gone to my previous address- the address for the apartment complex that was claiming I had unpaid charges at move-out and which was clearly not my address any longer. I did have mail forwarding for that address for 6 months after moving out. Further, I did not receive any phone calls ( I have had the same phone number for the past 10 years ). I was shocked to have received a notice like this 5 years later. Upon contacting them to settle the account, I noted that their letter stated that my account was currently being reported to the credit reporting agencies. Upon asking this question, they stated that they hadn't reported this to the agencies yet ( which makes sense, since I pull my credit annually and did not see anything about this debt ). When I told them I wanted to settle for the 40 % of the balance offered in the letter that they sent, they stated that if I did that, they would then report this to the credit bureaus for paying less than the full amount due and it would negatively impact my credit unless I paid the full amount of the balance.
When I asked why I would have to do this and why they would report my account to the credit bureaus and harm my credit, even though they hadn't made any reports to the bureaus for the past 5 years, they stated it was " what they are allowed to do by law ''
|
| 02/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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This is a second debt collections reported by IQ Data International, the apartment company was called XXXX XXXX in XXXX, Florida at the time of move in XX/XX/XXXX. That apartment has since been changed to XXXX XXXX : which they did not let any residents know about this change before hand. I went to sleep at a friends house one night and came back to my apartment complex name being changed. When I moved in the elevator was broke, I was under the impression from the office manager that parts were ordered and going to be installed in the next couple weeks, I was concerned because my apartment I was renting was on the fourth floors. I never would've moved in knowing that the apartment had no plans on fixing this issue. This was directly affecting my health because of the first incident reported above with my injuries from the car accident, suffering bad neck and back pain. So constantly going up four floors daily was gaining on me. Six months past and I could not take it anymore, I let them know I was moving out. The elevator was not operational the ENTIRE time I lived there, not for one day, which is a direct violation in FL for not keeping the property up to date with maintenance, but I still paid rent every first of the month and not ever late with a payment. I'm no longer associated with either of these addresses whatsoever. After moving out I noticed that they reported it to collections on XX/XX/XXXX of XXXX with a balance of {$3700.00}.
I would really appreciate if these could be removed as I'm hoping to buy a house in XXXX with my now fianc, but with these on my report I will be unable to do so. Thank you.
|
| 02/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Older American |
|
I was in the XXXX XXXX XXXX.letter attached agmt to pay rent thru XX/XX/XXXX I moved before XXXX.
XXXX XXXX hope Director and a Captain were aware of issue.
I did not find out rent wasn't paid I nyil XXXX / XXXX who months after vacating apt now credit down XXXX points and bill in collections shown in this body is email to all concerned together with XXXX XXXX XXXX response to pay.. still in collections as of this moment.
Sent from XXXX Mail on XXXX -- -- - Forwarded Message -- -- - From : " XXXX '' XXXX To : " XXXX '' XXXX Sent : Mon, XX/XX/XXXX at XXXX XXXX Subject : Re : XXXX you didn't pay XXXX rrnt, XXXX XXXX It's in collections my name.
Sent from XXXX Mail on XXXX On Mon, XX/XX/XXXX at XXXX XXXX, XXXX XXXX XXXX wrote : Hello XXXX XXXX, XXXX, this final bill will be paid. I will follow up with XXXX XXXX. Thank you.
Get XXXX for XXXX From : XXXX XXXX Sent : Sunday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : XXXX : XXXX you didn't pay XXXX rrnt, XXXX XXXX XXXX this please, XXXX.
XXXX Sent from XXXX Mail on XXXX -- -- - Forwarded Message -- -- - From : " XXXX '' XXXX To : " XXXX XXXX '' XXXX Sent : Sun, XX/XX/XXXX at XXXX XXXX Subject : XXXX : XXXX you didn't pay XXXX rrnt, XXXX XXXX XXXX XXXX XXXX XXXX I pay XXXX XXXX XXXX told me she XXXX XXXX that XXXX XXXX XXXX from XXXX Mail on XXXX XXXX XXXX - Forwarded Message -- -- - From : " XXXX '' XXXX To : " XXXX '' XXXX Sent : Sun, XX/XX/XXXX at XXXX XXXX Subject : you didn't pay XXXX rrnt, XXXX XXXX you didn't pay XXXX XXXX you promised XX/XX/XXXX please take care of this as you agreed XXXX XXXX Sent from XXXX Mail on XXXX Show less
|
| 04/16/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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I have requested validation from this company on several occasions and have not received nothing but a bill with no itemized statements. company is adding monthly interest charges to the invalidated debt amount. Company is claiming I owe for an apartment but has not supplied the apartment lease bearing my signature or contract. Majority of the charges are for damages but no description or details of said damages that could belong to anyone. whenever i file complaint complaint responds to complaint stating they mailed out validation but only submitted list of debt with no contract/ lease which is attached to this complaint. company is illegally charging interest, damages that do not belong to me and holding my credit report hostage for an apartment they have not supplied a lease with my signature for. I have tried working with company and they are putting fraudulent charges on my credit report, not following the guidelines of the FCRA nor the texas tenant rights. as stated below company needs to give description of damages which the attached documents do not show any description of damages. company is also charging reletting fee, unpaid months of rent beyond the said 3months that were left on the lease contract which is against tenants rights.
Deductions for damages. Under Texas law, you must give the landlord a forwarding address in order to receive your returned security deposit. The landlord must return your deposit less any amount deducted for damages within 30 days. If the landlord withholds part or all of your deposit, they must give you an itemized list of deductions with a description of the damages.
|
| 04/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XX/XX/XXXX ' a collection was assigned to a charged off amount that was " owed ''.
This account was a joint-account with a former roommate. The amount initially agreed to was approximately $ XXXX dollars - half of the amount, since this was a joint account. No direct-communication was made after XX/XX/XXXX.
In the most recent credit report from XXXX, it now states a balance of {$1300.00} -- and that 49 % paid off. In which both entries are 1. ) inaccurate 2. ) Completely false.
A screen shot of email dialogue between the original furnisher : XXXX and or " internal '' collections of original debt -- states an actual amount due ; approximately $ XXXX {$590.00}.
The email was uncovered, A screenshot was taken, the black and white pdf was uploaded onto the credit agency 's website.
In XXXX of XXXX, a follow-up call was made to XXXX 's customer service. A new dispute was filed regarding the inaccurate amount, the agent documented and- retrieved the uploaded document. The collection item, was promptly updated -- within 24-36 hours with the revised amount.
XXXX month later, the item resurfaced -- I was never notified of the action taking place on my account. No letter was ever sent to my address; indicating the updates, and or the actions that took place with the customer service agent.
It has now been approximately five years since the item was sent to the collection agency ; IQDATA. Origins of the debt is furnished in a state I no longer reside in.
I never signed any agreements, or made direct contact -- aside from disputes through the credit agency 's, for the inaccurate amount that is due.
|
| 04/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
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The following debt is not mine and was reported on XX/XX/XXXX XXXX XXXX credit bureau. I have advised representatives with IQ Data International not responsible nor live as roommate.
The IQ debt collectors continue contact through harassing communication tactics and although request stop calling continue to call and report falsified information to credit bureaus. Upon my research found this debt has history of unfair practices, discrimination and deceitful practices to later evict the responsible party ( reported XX/XX/XXXX vCFPB compliant ) I am experiencing harassment, repeated calls during work hours telling to call police on person for identity theft, use of deceitful communication/reporting tactics.
In addition, per research to contact found Creditor-XXXX XXXX, XXXX XXXX XXXX filed bankruptcy XX/XX/XXXX ( attached ) IQ DATA INTERNATIONAL Original creditor : XXXX XXXX MD ( incorrect ) {$11000.00} Balance updated XX/XX/XXXX Account info Account name IQ DATA INTERNATIONAL Account number - ( XXXX ) XXXX Original creditor XXXX XXXX MD ( incorrect ) Company sold - Account type Collection Department / Agency / Attorney Date opened XX/XX/XXXX Account status - Payment status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX Balance {$11000.00} Balance updated XX/XX/XXXX Original amount {$10000.00} Paid off 0 % Monthly payment - Past due amount {$11000.00} Terms 1 Month Responsibility Joint Account ( incorrect ) Your statement - Contact info Address PXXXX XXXX XXXX XXXX, WA XXXX Phone number ( XXXX ) XXXX
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| 10/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Incorrect information on your report
- Information is incorrect
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Web |
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XXXX XXXX and XXXX XXXX. On XX/XX/XXXX we rent an apartment called : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX f XXXX oklahoma XXXX.
1. The date we move in, we report to the office the apartment is infected with roaches. But they didn't solve the problem on time 2. The carpet was not fixed well and need some stretching and fixing. But they didn't fix it on time 3. The alarm was making noise the whole night and because of that my kids were not sleeping. They didn't fix the Alam instead they close it with sole tapes for two years I was with out smoke detector.
4. My neighbors was also having the same bag problems 5. On XX/XX/XXXX they start to spray for the whole unite but it was so late.
6. From this date on they start to spray every Thursday and some time Tuesday but the bags were increasing and I asked them why it is increasing. No reply 7. Only three days we told them to come back.
A. We have a new baby and we arrived from the hospital B. One of my boys was sneezing very bad from the spray he was allergic and he is still on medication C. The first day shut down of covid.
8. On XX/XX/XXXX they refuse to give us renewal of lease agreement. I asked them to stay and I can not move because of covid-19 and I have small kids but they refuse and told me I can not stay in two bed rooms.
9. After I move they send me a bill to pay {$3000.00} after they took my {$250.00} deposit.
10. Before my move I have an appointment with the manager XX/XX/XXXX to walk and show them I have cleaned and left the apartment in a good shape. But the manager was off and next day she refuse to walk the apartments.
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| 04/01/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I was never served any documentation of eviction. I went to the court and got documentation of the plaintiff 's false eviction. On their proof of service it states address XXXX XXXX XXXX # XXXX XXXX, CA XXXX. That is the wrong unit number. My unit number was XXXX not XXXX. How can you possibly serve someone at two different unit numbers? I moved into my new apartments called XXXX XXXX XXXX and I attached my lease agreement which I signed XX/XX/2018. The plaintiff 's proof of service contradicts and doesn't make sense whatsoever. The proof of service states the plaintiff signed the proof of service XX/XX/2018 but I moved into my new apartments XX/XX/2018. It states in the court papers that this was because of possession back to the plaintiff, it was never about me owing rent. My husband tried to pay rent XX/XX/2018 and the temp that was assigned at the leasing office stated that she will not accept our rent which is a violation of the tenant protection act. The plaintiff violated the Tenant protection act and increased the rent numerous times in the past 4 years we lived at XXXX XXXX XXXX. The tenant protection cap annual rent increase is supposed to be at 5 % which the plaintiff violated. On XX/XX/2018 the plaintiff filed court papers of entry of default, judgement and writ. Superior court returned documents to plaintiff and was unable to process the entry of default and judgement of writ because their attorney misspelled clients name or misinformed the courts of the spelling of their own clients name. I would like this information to be removed from me and my husband XXXX XXXX credit report.
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| 01/06/2022 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I have been making payments to XXXX XXXX XXXX on a debt owed to a property management company for over 6 months on time every month of {$50.00}. This company closed on XX/XX/XXXX and debt was bought by IQ Data International. I called this company today, XX/XX/XXXX, to set up a payment plan after receiving their statement on XX/XX/XXXX. First, I discussed that that statement did not reflect the accurate amount owed, as I have proof of actual amount owed from previous debt collector. The agent I was speaking with, XXXX XXXX, states I can email it to her at XXXX. I did email this document as soon I got off the phone with her. Secondly I asked to set up a payment plan. She stated to me they do not accept payment plans and starts to ask me about my employment, rent, car payments, credit cards and other personal information. I let her know I can not pay the amount in full and will have to make payments. She again states she will not accept any payments and asks about my income tax returns and if I can pay off my debt with this after making a partial payment today. I, again, inform her this will not work. She then proceeds to say " yes, I see this is not a priority to you and we will proceed with contacting your employer as we were going to do anyway ''. So IQ data has not even had my debt for a month, has sent me one statement, and not even attempted to contact me by phone. I contact them to set up a payment and they tell me they were already going to start taking money from my paychecks anyways. I am willing to make payments, but they are not willing to accept, which is absolutely absurd.
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| 02/18/2022 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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XX/XX/XXXX, my husband and I applied for an apartment with the XXXX XXXX XXXX. We paid our fees and awaited for a response. I called 3 days later, with no update. The next day, I called and was told that my my husband and I were denied. We did not have any derogatory information on our credit and our credit was much higher than the credit score required. We were in the mid 600s and the requirement was 550. There also was never a credit report pulled. I called and updated the apartment and asked how could we had been denied, if a report was never ran. They never responded after multiple contacts. We applied at another apartment with a higher score requirement and received immediate approval. In XX/XX/XXXX, I received a call saying they were trying to collect a debt. I asked the agent to please explain how i owed. She said it was leftover move out fees. I explained that I never stayed or moved in so how are we owed a balance? She got rude with me and threatened that she will just put it down that I am refusing to pay the debt. This was a recorded call. I explained to her that Im not refusing anything but am asking for a verification of the debt. The call ended and today, I go to look at my credit report and there is the collection. This is illegal and the tactics of IQ DATA INTERNATIONAL IN are inhumane. They still cant prove how I owe this money to them when they never ran a report. I called over a month leaving messages with the main office and no one called me back. I reported it on XXXX and they responded saying that it was due to my credit but again, my credit was never pulled.
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| 04/13/2023 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I recived a validation of debt from I.Q Data international today XXXX XXXX letter is dated XX/XX/XXXX. I have attached This letter for your review. They are stating the principal balance due is {$740.00}, interest due in the amount of {$240.00}. How is interest legally charged on this debt? The lease information section states my lease end date as XX/XX/XXXX and my move out date is XX/XX/XXXX. My move out date and lease ended on XX/XX/XXXX per the terms of my lease and signed notice to vacate. Resident information has my prior address listed as my primary and my forwarding address as other. Why wasnt my address updated accordingly? If a notice was sent it was intentionally sent to the incorrect address. This is a very shady tactic! Charges are listed for damages and XXXX XXXX Original amount owed for damage is {$200.00} and balance due is {$660.00}. How did this amount increase? XXXX XXXX has original amount XXXX with balance due of XXXX. How did this amount decrease? There is a due date of XX/XX/XXXX listed however I never received a bill until this debt was reporting on my credit. At that time I contacted the courtyards at XXXX and spoke with XXXX who was the leasing manager and she stated she would send me a break down of fees via mail however I never received this. When I reached out to I.Q Data the lady I spoke with refused to provide me with a breakdown because the time period to validate the debt had expired. I wrote several letters to the credit bureaus disputing this debt to only receive generic response and no real investigation because the time period had expired.
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| 11/08/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I moved out of my apartment on XX/XX/2022 for medical reasons. ( Of note : The apartment that I was given on move-in day was not the apartment that I was shown for rent. ). A pipe broke in the apartment upstairs from mine in XXXX XXXX XXXX whereby I was displaced from my apartment for 21 days. The ceiling collapsed and wasn't repaired properly, as they tried to paint over the water damage, so it fell several more times, even after I moved back in. The apartment ended up being chronically damp with black mold growing at the bottom of the hall closet. The water coming thru the ceiling brought with it the tar from the prior tenant who was a XXXX XXXX and I now had brown dripping water throughout my apartment and the odor of old smoke. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Things hadn't resolved by the end of XXXX when I moved out, as the XXXX XXXX XXXX XXXX XXXX still had two open cases for my apartment alone.
The prior manager, XXXX XXXX, was very understanding of my need to break the lease for medical reasons. Apparently, when she left to take another job, her replacement, or XXXX XXXX themselves, put a derogatory mark on my credit report stating that I owed them {$2500.00} as of XX/XX/2022 for XXXX XXXX XXXX.
NO ONE EVER CONTACTED ME ABOUT THIS DEBT. IT IS LISTED AS " IQ DATA '' ON MY CREDIT REPORT BUT I JUST HAPPENED TO SEE IT THERE.
I contacted XXXX who told me to reach out to XXXX XXXX to help me resolve the situation. I did this twice and he never responded.
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| 05/19/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/2022, I received a debt collection notice from IQ Data for a debt of {$91.00} supposedly owed to my former apartment, XXXX XXXX XXXX XXXX. On the same date, I spoke with XXXX XXXX via telephone, who stated that I was paid in full and the debt must have been sent to collections by mistake. We moved out of XXXX XXXX on XX/XX/2022, and were not notified of any outstanding balance.
The {$91.00} fee is question was paid to XXXX XXXX on XX/XX/2022, the day we became aware of the charge in our online account, and before we received a bill for the charge.
On XX/XX/2022, I requested a letter from XXXX XXXX stating that this debt was mistakenly sent to collections. I received the letter from XXXX XXXX stating we did not owe any debts.
On XX/XX/2022, I sent the Park Place letter, screenshots of my online portal payment on XX/XX/2022 of the fee in question, and a personal letter to IQ Data explaining that this is not a debt that I owe to Park Place.
On XX/XX/2022, my wife, XXXX XXXX, also received a debt collection notice for this fee from IQ Data. On XX/XX/2022, I contacted XXXX XXXX via email requesting them to notify the debt collector of their mistake in sending this to collections.
On XX/XX/2022, I received a phone call from IQ Data, who asked me to confirm my refusal to pay this debt. I explained the situation to IQ Data and stated I sent them the required documentation to dismiss this debt via mail on XX/XX/2022. IQ Data stated they had not received my letter and requested that I email it to them. I emailed them all documents that I had previously mailed.
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| 12/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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On XX/XX/2021, I sent in a dispute to IQ Data International regarding a collection that was placed on my report. I asked for the original contract stating where I signed with my signature proving that they owe the debt they say I owe. Instead of sending me back what I asked for, they sent me a statement instead. I requested for validation not verification. Furthermore, when reading the letter- I came across multiple violations that this company has endured.
1. They have listed the interest due and balance due. Under 15 USC 1692 F ( 1 ) states ( 1 ) it is a violation to collect any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
2. Furthermore, under 15 USC 1692 F it states that it is a violation to state the consumer owes any such debt. In the letter that was sent, it reads, " this communication from a debt collector is an attempt to collect a debt, and any information obtained will be used for that purpose. '' 3. In addition to, they have also included a logo/letterhead which according to 15 USC 1692 B ( 5 ) is a violation as well. ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; This is more than one violation that has occurred. I am seeking litigation if this account is not removed.
ACCOUNT NUMBER :
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| 11/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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Greetings, In XX/XX/2020 I mailed a " Pay In Lieu of Deletion Letter '' certified return receipt to I.Q. Data International. It is now XX/XX/2020 and I have not received a response of any kind from I.Q. Data in response to settle this debt. XX/XX/XXXX has deleted this item months ago from my credit report after completing their investigation however I disputed it with XX/XX/XXXX XXXX XX/XX/2020 ) and the dispute result was an Update not a deletion. I am confused I followed the proper protocols in validating the debt, requesting proof that I.Q. Data has the legal right to collect here in TX however I am left to wonder if they do not actually have a right to collect here in TX at all and perhaps they have provided false misleading information to Consumer Finance and myself. I am requesting a full thorough investigation as to IQ Data 's " legal right ' to collect this debt in the state of Texas because I have not received any progressive/ forthcoming honest communication back from IQ Data attempting to resolve this debt they have claimed/validated that I owe.
I would like to file a complaint against XX/XX/XXXX for not properly investigating and deleting this and against I.Q. Data for claiming they have a right to collect debt here in the state of TX however did not in good faith respond to my " Pay in Lieu of Deletion Letter ''. I am left to believe that I.Q. Data is fraudulent and XX/XX/XXXXas well for not doing their due diligence to correct this they are behaving in a malicious manner acting as cohorts intentionally causing damage and harm to my credit.
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| 08/24/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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My apartment complex said we owed damages upon move out which there were absolutely none. We left the complex in a better condition then when we moved in. 2 months after we moved out, I received notification from IQ data saying they had sent these " damage '' fees to collections, when the complex never even contacted me via mail, phone email etc. I even called the complex and they said they had nothing on my profile regarding any past due balance or damages so I don't know why it would be sent to collections. I reached out to IQ data, they told me to email their dispute department which I did. They then said that the dispute was denied and debt was validated because of proof, but I never received anything from them. What proof is there? No one has even said WHAT the damages were! Nevermind there being no photos or proof of said damages. When I called customer service at IQ Data they were extremely rude and no help, saying the only thing I could do would be to pay this to get it off my credit and was not listening to me at all. I had mentioned that I spoke to my dad about the situation & that I was considering per his advice taking them to small claims court. When I asked them to email me any of the info regarding this dispute, validated debt etc. the agent refused and responded with " Why don't you ask your dad? '' which was very condescending. They said they would re-mail the so called " proof '' that I never got in 5-7 business days but that was it. I have already started a small claims court case. This company is fraudulent and should be shut down.
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| 03/18/2022 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I have already reached out with certified mail with tracking of the recipient to IQD You IQ DATA INTERNATIONALXXXX XXXXXXXX at XXXX XXXX XXXX BROKE NUMEROUS LAWS INCLUDING 15 USC 1681 ( b ) ( 2 ) permissible purposes of consumer reports section 2 states 'in accordance with written instructions of the consumer to whom it relates '' ... you are only allowed to furnish anything on my credit report if you have written my written consent. you furnished derogatory information on my file which has ruined my financial reputation.
furthermore you also are in violation of 15 USC 1692 ( g ) by not communicating to me of the alleged owed debt first. your first point of communication was on my consumer report as my proof shows you reported on my credit XX/XX/2022, Then you reached out to me on XX/XX/2022 A DAY LATER. that's against my individual right to privacy. ALSO this is false and misleading representations pursuant to 15 USC 1692e showing a positive balance of XXXX. I the consumer can not pay on a positive balance is this a balance you owe me? remit payment to me as you are required you have 30 days from this notices to respond. All docs were signed and ready for possible litigation I don't want to result to this but I have no choice but to protect myself as the consumer and natural person this has been an infringement upon my rights and has been a form defamation of character, negligent Enablement of identity if Fraud, FDCPA 15 USC 1692G, FDCPA 15 USC 1681 violations for willful non compliance 616. civil liability for willful noncompliance ( 15 USC 1681n )
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| 03/01/2021 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I was a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, from XX/XX/XXXX to XX/XX/XXXX. I properly notified the XXXX property manager, XXXX XXXX, using the XXXX lease termination form, that I was vacating the apartment on XX/XX/XXXX. I left the keys and security dongle with the XXXX front office on XX/XX/XXXX. I paid all my rent through XX/XX/XXXX.
However, weeks after leaving XXXX, XXXX XXXX sent me a letter claiming I had " skipped without notice '' and therefore I had forfeited my security deposit and owed an additional {$1000.00} in rent. This is a lie. I have the email I sent XXXX XXXX properly notifying her, on XXXX 's form, of my move out date.
XXXX has filed a false claim with I.Q. Data International , Inc., a collection agency. I.Q. Data sent a letter to my parent 's house dated XX/XX/XXXX, which I first learned of earlier today, XX/XX/XXXX, when I came to visit them. I.Q. says I owe {$1100.00} to XXXX under transaction number XXXX.
This is a false claim. I paid all of my rent payments to XXXX until XX/XX/XXXX. I properly notified XXXX of my lease termination. I can prove it with copies of the emails and attachments. I do not owe XXXX any money for rent after XX/XX/XXXX. I.Q. International has no right to attempt to collect this money from me.
The contact information for the companies involved is : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, WA XXXX Doing Business in Nevada As : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX And, I.Q. Data International, Inc.
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX
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| 05/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I'm a former tenant at The XXXX of XXXX XXXX and moved in XXXX of XXXX. I put in a 60 day notice and my lease ended XX/XX/XXXX. I actually moved on XX/XX/XXXX and paid the full month 's rent as expected. The apartment keys were returned when I moved out. I was a great tenant who always paid on time and only made a few maintenance requests while living there. The dire being when a piece of the bookcase shelving fell in and rained in my apartment and was never fixed before moving out ( this happened months before the end of my lease ).
I started receiving calls from a debt collection company ( XXXX XXXX XXXX ) because my account was turned over to them. I went to XXXX XXXX XXXX XXXXXXXX XXXX to have this resolved and received a printout and was told to contact the person over billing ( XXXX XXXX ) on the following Monday. After doing so through email I received an attachment that contradicts the original printout ( please see attachments ). I don't believe that this is good business practice to try to cheat someone out of their hard-earned money so I chose to come directly to you with this issue since the apartment management wouldn't resolve it. I've worked for years to achieve excellent credit in order to achieve a home loan and then this happens to me. The collection agency nor the apartment complex is seeing the issue.
Attached you will find ; Residential ledger from XXXX XXXX XXXX XXXXXXXX XXXX ( I've highlighted payments ).
Print out of payment directly from creditor.
Move-in statement from XXXX XXXX XXXX stating when my new lease started.
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| 04/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I have already reached out with certified mail with tracking of the recipient to IQD You IQ DATA INTERNATIONALXXXX XXXX XXXX XXXX XXXX XXXX BROKE NUMEROUS LAWS INCLUDING 15 USC 1681 ( b ) ( 2 ) permissible purposes of consumer reports section 2 states 'in accordance with written instructions of the consumer to whom it relates '' ... you are only allowed to furnish anything on my credit report if you have written my written consent. you furnished derogatory information on my file which has ruined my financial reputation. furthermore you also are in violation of 15 USC 1692 ( g ) by not communicating to me of the alleged owed debt first. your first point of communication was on my consumer report as my proof shows you reported on my credit XX/XX/2022, Then you reached out to me on XX/XX/2022 A DAY LATER. that's against my individual right to privacy. ALSO this is false and misleading representations pursuant to 15 USC 1692e showing a positive balance of XXXX. I the consumer can not pay on a positive balance is this a balance you owe me? remit payment to me as you are required you have 30 days from this notices to respond. All docs were signed and ready for possible litigation I don't want to result to this but I have no choice but to protect myself as the consumer and natural person this has been an infringement upon my rights and has been a form defamation of character, negligent Enablement of identity if Fraud, FDCPA 15 USC 1692G, FDCPA 15 USC 1681 violations for willful non compliance 616. civil liability for willful noncompliance ( 15 USC 1681n )
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| 01/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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THS IS NOT A DULICATE COMPALINT. m writing this complaint to to address I.Q Data international inc to collect an alleged debt owed by me. This company has obtained my personal identification under false pretenses. I received a XXXX complaint that this account would be removed within 30 days. it has been over 90 days. this debt is damaging my credit report. IQ DATA INTERNATIONAL INC is a debt collector pursuant to 15 U.S. Code 1692a ( 6 ) and has violated my right to privacy by committing identity theft. 15 U.S. Code 1681a - Definitions ; rules of construction ( q ) Definitions Relating to Fraud Alerts. ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation.IQ DATA INTERNATIONAL has never received written instructions from me authorizing the furnishing of any information to third parties in violation of 15 U.S. Code 1681b.Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
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| 10/19/2023 |
Yes |
- Debt collection
- Rental debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Was scheduled to move in to XXXX on XXXX on XX/XX/ in XXXX, CT. Arrived at the property on that day- it was uninhabitabe and unsanitary. Could not move in. Contacted the leasing company immediately, left messages, called all corporate numbers, no one would answer. Contacted the Department XXXX XXXX. They validated that this property was uninhabitable- had current investigations going on them. Left without ever getting the key or moving in. Contacted the company over the next 4 days - no return calls or emails. Finally reached someone in corporate - sent all the photos of the property that day- she agreed in writing that we were correct and she would forward it on to have the lease nullified and voided. The person who is was forarded to was very rude and said she did not agree and we owed a move out fee - even though we never moved in.
We went back and forth and she would not budge. I got an attoryney who took over communications with her. The last communication was from my attorney saying they were in breach of CT codes and the matter was to be closed. We recieved no reply. The next thing that happened was I got a call for IQ Data saying I owed the debt of {$2100.00} - I disagreed and they said I had to pay or dispute. I got the attorney to send a letter to validate the debt. We received NOTHING from them in response ... and they sent it the credit bureau - we did not have the opportunity to reply or formally dispute the debt. Once I saw this in the credit bureau, I had my attorney call- and they were uncooperative. And said we could go to court.
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| 04/28/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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My roommate and I moved into the apartments at XXXX of XXXX XXXX in XXXX in XX/XX/2019. The apartment was not clean when we moved in, and we had not been allowed to see our apartment before the move in date. We told the office and they insisted it had been cleaned so we had to clean it ourselves. We had many issues with them over the year we lived there including AC and power going out multiple times. AC was out for two weeks once, we couldnt stay at the apartment because it was over 90 degrees outside. They put fan units in to try to keep it cool and these fans leaked out water all over the carpet causing damage. We decided not to renew our lease and expected our full deposit back because we left it much cleaner than wed found it, no damage other than to the carpet that was caused by their fans. Not only did we not get any deposit back, they charged us {$400.00} claiming they had to replace carpet. They are the ones that caused the damage to the carpet, and also they were remodeling all apartments and taking out the carpet anyway. They charged us for the remodeling they were doing, we did not leave any damage to that apartment. I have called their office and their management multiple times over this last year. Ive left message after message and no one has returned my call. Now I have this charge on my credit that I dont deserve. They still owe us our deposit. They took our deposit and charged us more money on top of it when we left zero damage to the apartment. I cant afford a lawyer and have no idea what to do about this situation.
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| 02/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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IQ Data International called me in XXXX stating I owed a debt from XXXX from an old apartment. It is now XXXX. They demanded that I check my credit score and tell them my credit score, apply for loans, take out tax advance loans or other forms of loans/debt to pay them. They kept me on the phone for long periods of time and hold times to harass me and bully me.
They added over {$400.00} interest supposedly to this debt which I do not know if it is legal. I have paid them {$50.00} plus an additional {$70.00} in XXXX.
They called me today XX/XX/XXXX stating the payment declined and that I needed to pay today or further action would be taken and it would be escalated. I advised the rep about personal things happening in my life and I needed to talk to an attorney possibly about this. I also said I was going to the hospital for an emergency and she wanted to keep me on the phone saying that did not matter. She also told me I was threatening her with an attorney and needed to take care of this and that I agreed to it. Someone else got on the phone after placing me on hold and said I need to file my taxes and that it only takes 25 minutes and I need to call by Monday at XXXX or escalation would take place.
Prior to todays phone call, I asked them to mail me a copy of the debt which they did. I actually got it in the mail today. I am disputing the cleaning charge, carpet cleaning charge, stain removal charge. We moved out of that apartment and it was very clean and tidy.
I emailed them asking to no longer contact me by phone today.
|
| 05/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I am redoing my complaint because the company is referencing incorrect dates on complaint : XXXX which was closed after companys response.
Here is my original complaint : Received letter XX/XX/XXXX sent letter and they received debt validation letter XX/XX/XXXX. They contacted me XX/XX/XXXX at XXXX requesting payment. They are supposed to stop collecting until they send the debt validation. They reached out to me and family members. I called at XXXX XXXX and they would not let me speak kept talking over me I told them I would verify my personal information and they kept asking me is this for the XXXX XXXX account. I gave him my name my birthdate and asked him what else he wanted and he kept asking me if this was the XXXX XXXX account.
This company is saying that they received my account on XX/XX/XXXX when per the attached they clearly sent me a letter on XX/XX/XXXX. They contacted me after receiving my letter. They received my letter on XX/XX/XXXX per the USPS tracking, screenshot attached as well, and they did not pick it up until XX/XX/XXXX at XXXX XXXX It is not my problem if they choose to pick up their parcels a week after they receive it. So the controller is claiming that they received my letter XX/XX/XXXX which would have been after the 30 days but they got it on XX/XX/XXXX again per USPS tracking info. On top of that they are stating that they sent me an itemized letter with the original letter. Per attachment they did not. THEY VIOLATED MY RIGHTS AS A CONSUMER PER THE FDCPA!!!! They should not just be able to do that.
|
| 06/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I was called by IQData for the first time today XX/XX/XXXX at XXXX.
The representative identified himself, told me I was on a recorded line and said it was about trying to collect a debt.
He said what the debt was about and the amount which is over XXXX XXXX dollars. He asked me if it was something I was going to resolve today.
I politely told him that it wasn't something I could resolve today but to call me at another time.
He snapped and raised his voice and started to very aggressively demand I pay now because it was my debt. I told him it wasnt as I didnt live in that rental community during the time owed but that i was looking to resolve it ( my name was on the lease and I communicated to rental community that I no longer lived there. I never got an email with a bill, a mailed bill or phone calls ).
He yells at me and tells me that the dent is mine because XXXX ( the other person on the lease ) declared bankruptcy and that it was mine ( fully yelling at me ).
I told him I had no intention of discussing my personal business with him and that he couldnt intend that a debt that was 3 yrs old and them calling me for the first time was going to get resolved today.
He yells at me even louder and accuses me of running away from my debt.
I had never been charged up to this day.
I told him he was unprofessional and how dare he and hung up.
I suffer from anxiety and to be belittled, yelled at and accused by complete stranger regarding a matter im not refusing but asking to be contacted at another time is unacceptable.
|
| 08/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
A debt collector from IQ Data International by the name of XXXX ext.1201, called me, XXXX XXXX . I am unemployed and do not have a XXXX to my name. I hung up because I did not understand the language too well and he stated that it was for owing money to an apartment, which I could not afford during the pandemic. The debt collector then proceeded to call me because and started telling me, " why are you hanging up? Are you scared? You owe my client money. '' and he continued to harass me. I passed my phone over to my son, who is an attorney, but is not representing me in the matter but who I wanted to speak on my behalf because of the harassment I was suffering. The debt collector proceeded to express aggressive behavior towards my son and hung up. After multiple attempts to call him back, he continued to patronize and be aggressive. The debt collector, per the recorded conversation, was asked to no longer solicit for debt collection and he proceeded to state it was not not solicitation. The debt collector did not even know what solicitation was and continued to taunt and harass. I asked my son to call the manager with ext. XXXX, to convey the situation I suffered at the hands of the debt collector. Then we asked to receive a call back because we are dealing with other legal matters and the manager then refused and cornered and pressured me to try to resolve the issue now or never, despite I requesting to have this conversation another time because of being distraught and having to deal with other legal issues at the moment.
|
| 11/29/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I moved out of XXXX at XXXX XXXX apartments on XX/XX/2022. I turned in my keys on Saturday XX/XX/2022 to employee XXXX. I previously filled out a forwarding address paperwork and turned into rental office. XXXX declined to do a physical walk through at the time of my departure which is a violation of their company rental policy.
At the end of XX/XX/2022 after not hearing from XXXX I went to rental office to inquire if I had a balance. During this same visit I also verified with the rental office employee that they had the correct forwarding address for me. The employee located the paperwork and confirmed they had the correct forwarding address. She then confirmed there was no balance due. After reviewing my credit months later in XX/XX/2022 I noticed that a debt collection was placed on my account by a debt collection company. I have never done business with this debt collector. They have not had any form of communication with me via email, text, mail, phone or fax.
After speaking with a Consumers Protection Lawyer Attorney they advised me to prepare a debt validation letter and send it certified mail with return receipt to the company. I have sent XXXX letters to them with no response to validate this debt to date. The lawyer advised me under the laws of FCRA, FDCPA everything on a credit report must be 100 % accurate verifiable and reported in a timely fashion to be placed on my credit report. This debt collection company is in violation of 15-USC1692gb. I need to have this deleted from my credit report immediately.
|
| 10/13/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
IQ Data is claiming that they can not address this issue with CFPB because I have retained an attorney. There is no indication of that in this complaint Ref # CFPB XXXX. This is simply a dodge to not address the issue of the complaint that the debt is not valid as the person filing it did not have the authority to do so, I submit the small claims case as evidence that this person is the same as that filing the collection.
IQ Data has been attempting to collect on a debt for the past four years that was signed and forwarded to them by one XXXX XXXX representing XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXXXXXX XXXX XXXX XXXX XXXX. On XX/XX/2019 XXXX XXXX stated, under oath, that she did not have the authority to attest or sign legal documents. She was only the community manager. The debt claimed by this collection agency was signed by the same XXXX XXXX and was based on legal documents of an alleged debt by, once again, XXXX XXXX. The debt is either invalid or the entities above have perjured themselves in court. The debt is in either case invalid and not verifiable. The collection agency would need to provide another signed document by an authorized party, from the inception of that debt or else remove the debt from all bureau reports. Enclosed is the case number and hearing information where I was required to refile against a party with legal authority. XXXX XXXX was present as the defendant for the entities and not qualified by her own admission to being a legal authority to handle financial matters for the property.
|
| 04/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
On XX/XX/XXXX at XXXX I spoke to XXXX XXXX with IQ international Data more than once. Amount is a little over {$10000.00} for XXXX XXXXXXXX apartments back from XXXX XXXX XXXX. I requested the debt to be validated and I wanted written notice and an explanation of the debt due to the large amount. XXXX XXXX refused stating they had sent written notice in which I told her I did not recall receiving anything. She then told me it is not her fault I " forgot '' and I needed to settle the debt in full. I continued to ask for the debt to be validated in which she still refused. I was told when I left XXXX XXXX apartments the balance would change when someone leased the apartment but that never happened. The balance has only gone up and IQ international Data will not tell me why the balance is so high when it should Have been lowered once the apartment was no longer vacant. I called back multiple times when I could not even get a word In with XXXX XXXX and they kept transferring me to her. There are so many scams out there and I'm trying to settle a debt and make things right but she was extremely difficult and refused to send me written notice. I asked her if I paid it if I would get a receipt and she Also said no that I just needed to settle the debt and that was it. This place sounds like they are committing fraud. I have this balance on my credit and I'm afraid to pay anything because they do not sound legit and I do not have the funds to just throw money away. They are refusing to send written notice or even receipts.
|
| 10/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This is a formal complaint against IQ Data International located in XXXX, WA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, IQ Data International has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices- disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
|
| 02/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I debt showed on my credit report from a debt collector representing my previous apartment.
I had no clue why they were saying I owe this amount, I moved from the apartment almost a year ago and owe nothing. I never received any notice about a debt. When I call the collection agency the representative was extremely rude and unwilling to provide information. She kept saying you do owe it and you did get notifications.
A few weeks later I received a letter from them with my least and a letter from apartment manger which was not signed stating that the charges are for damage to the carpet due to me having a pet.
I believe the information sent to me was fabricated because the property manager was well acquainted with me and my nephew who lived in the apartment. She knew we didn't have a pet. I lived at the apartment for 3 years and I never had any pets. First of all I am XXXX to dogs and cats. The apartment was clean and no damage to the carpet other than regular wear and tear. On my lease I made a deposit of {$350.00} I tried to contact the apartment and was told that the management company no longer manage the property and they didn't have any previous information on my lease.
Please investigate this collection agency and report them to all Federal Agencies. I believe they are committing fraud and intentionally trying to destroy people credit and scam them out of money. I am not sure if the apartment management company is giving them false information or if they are just creating fake debt for old tenants.
|
| 06/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In XXXX of 2020 I went to court for an unlawful detainer/eviction case against my landlord. I lived in XXXX XXXX XXXX and it is owned by XXXX XXXX XXXX. Long story short, we both agreed on an amount due and also to have my case be sealed and not to reflect my credit report. The amount agreed upon was {$5500.00}, including the lawyer fee. In XXXX of 2020 a representative from IQ international data reached out and told me I had a debt owed to XXXX XXXX XXXX for {$12000.00}. I let the representative know that I had documentation from the court stating it was not supposed to reflect my credit report. After about a hour had passed with arguing with several of International IQ Datas employees, nothing was resolved. They told me the debt was valid and the amount owed was the correct amount.
I reached out to the courthouse I had my trial at on numerous occasions, and each time I was assured that this debt was not supposed to reflect my credit report. They told me to dispute it with credit reports and upload the documents I had from my trial. I called down to XXXX and spoke to someone from their customer service department about my situation. They brought to my attention a factor on why there was nothing they do on their end. On my court documents the plaintiff is titled XXXX XXXX XXXX. On my actual credit report it was titled IQ international Data/XXXX XXXX XXXX. I let the representative know that it was indeed the same entity. He then told me again there was not anything he could do unless the names matched exactly.
|
| 05/16/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American, Servicemember |
|
Company : I.Q. Data International, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX I.Q. Data International failed to comply with FDCPA 15 USC 1692g, Section 809 ( b ) as I formally requested debt validation.
Details : ( 1 ). I.Q. Data placed a collection account on my credit report on XX/XX/XXXX, prior to sending a debt letter to me. This is a collection action.
( 2 ). I received a written debt letter from I.Q. Data dated XX/XX/XXXX stating I had 30 days to respond ( Enclosed ) / ( 3 ). On XX/XX/XXXX, I generated a formal dispute letter for debt validation. I faxed my formal dispute letter to XXXX as stated on the debt letter. ( Fax confirmation of receipt on XXXX/XXXX/XXXX attached )./ ( 4 ). On XX/XX/XXXX. I sent that same formal dispute letter for validation to I.Q. Data via certified mail to the address for written disputes as stated within the debt letter ( Copy of certified mail return receipt and tracking information included )./ ( 5 ). As of XX/XX/XXXX, I.Q. Data has not formally validated this debt./ ( 6 ). This debt was formally disputed with XXXX XXXX prior to referring to the collector./ ( 7 ). The amount due on the collectors demand letter is different than what my internal XXXX account reflected. My internal account reflects a {$0.00} balance.
I have been harmed as this collection item had an adverse effect on my insurance rates and home purchase goals.
I believe this is a willful violation of FDCPA 15 U.S. Code 1692k.
XXXX.Q. Data International has well over 250 complaints listed with the XXXX
|
| 02/13/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I moved out of XXXX XXXX apartment complex, XXXX XXXX XXXX FL, XX/XX/2020. They refused a final walk through and told me they had my forwarding address. I didn't give full 60 days notice and filled out paperwork stating the balance I would owe for the 15 days in XXXX. For months I never hear from them until I hear from a collection agency one night named IQ Data. I had read about this in some online complaints about the complex, but I had lived there 10 years and never late on rent or anything. I had a few maintenance issues, but that was it. I never thought this would happen to me. I had a good relationship with office personnel and management. So approximately 4 months later I'm called by a very rude and yelling young lady at about XXXX one evening that I owe an amount over {$1000.00} because of damages. I responded there weren't any damages to the apartment and that's why I asked for a final walkthrough because I was out 2 weeks prior to the end of my lease and could've had anything repaired if they said it was damaged. I finally received a letter from IQ data and responded saying I wouldn't pay without an itemized list of the damages. they sent a letter saying " damages ''. Not what was damaged. I am more than willing to pay what I owe, which should be less the {$150.00} deposit they kept for " damages ''. If you call IQ Data and ask for the person on the letter they always say that person isn't there and the same guy just yells. Now they've put this on my credit report which dropped my credit 90 points.
|
| 08/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
IQ International suddenly appeared on my XXXX XXXX report, which I check weekly, in the amount of {$1900.00}.
They never sent me a letter or phoned to say this was owed.
Apparently, this stemmed from an apartment that my significant other, XXXX XXXX, and I moved into with XXXX XXXX XXXX in XX/XX/XXXX. When the covid flu became widespread, and XXXX XXXX closed all the common amenities, they allowed us to move out in XXXX, XXXX. We would not owe any further rent upon rental to another family, they said, and in fact did rent to another family as of XX/XX/XXXX. XXXX XXXX employee, XXXX XXXX, who rented to us ( and received our keys upon departing ), sent us a letter dated XX/XX/XXXX verifying that the new renters were there as of XX/XX/XXXX. When the IQ collections contacted XXXX in XXXX, XXXX, she told XXXX XXXX who reiterated that we did not owe anything to them or any collections agency. In addition, they volunteered that they had dropped IQ International as a collection company due to so many complaints. IQ International continued to harass XXXX by phone and mail until late XXXX, when they apparently stopped when she complained to CFPB.
Today, XX/XX/XXXX, I saw that IQ International showed up on my credit report ( I look at it weekly via XXXX XXXX as I'm working on getting my credit scores higher ). I have not been late on any bill for a number of years so this stood out. Please help me straighten this out as XXXX XXXX appears to be concocting a fake claim. Thank you, XXXX XXXX ( XXXX ) XXXX ( XXXX )
|
| 11/12/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I.Q Data International put a collections on my credit from a prior apartment complex I use to live at. The lease had ended in XXXX of XXXX and I received a two month extension until XX/XX/XXXX but the apartment was horrible and inhabitable I had no air conditioning so I left and stayed in a hotel after it was never fixed and the apartment overheated. I did pay all of my rent up until that time and I stayed in a hotel temporarily until I moved into my current apartment. I have proof reciepts of the hotel stay that I was not in the apartment of which the original debt collecter XXXX XXXX is lying and saying I resided in the apartments unitl the end of XXXX when they claim they gained possession of the apartment. That is not true I moved out months prior to then and if that were to be true then that would be an illegal eviction as they filed a disspossery and I went to XXXX XXXX in XXXX XXXX of which XXXX XXXX didn't appear in court and told the court I moved out and monetary judgement of {$0.00}. A immediate same day writ of possession was entered in XXXX XXXX because I appeared in court and said I didn't live in the apartment so that would be an illegal eviction if they had me go to court in XXXX saying I live in the apartment then file a false collection saying they gained possession in XX/XX/XXXX. XXXX. Data International is also committing fraud by posting this false information on XXXX credit report of deliquent rent payments for an apartment I did not live in nor have a lease agreement with or at.
|
| 06/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
In XXXX, I was living in an apartment for about 8 months, when I had to leave before the lease was up due to an abusive relationship and hostile living environment. I was contacted about a 8 months later from IQ data international. They called repeatedly until I answered and explained that I had this debt I needed to pay. They refused to allow me to do payment arrangements on a {$3500.00} charge until another 6 months later after repeated calls. Eventually, I paid {$1700.00} to get them off my back until they started calling my job and one individual cussed me out when I explained to him he was harassing me.
Now, in XXXX of XXXX, almost 3 and a half years later, I have received a call once again regarding this issue. I explained to the woman, that they never attempted to contact me after the incident involving the harassment. Nor have they sent me any legit account information. She insisted that they did. I then told her why would they be calling all of this time later, and she relayed, that theres no statute of limitations on collecting a debt. Unfortunately, I work in a law office now and was able to research that in fact there are statutes of limitations on collecting debts.
Ive never received any notice or written agreements regarding this debt nor paying what they are asking for. I did write a letter to the agency, asking for documentation and any conversations relating to this debt. I am eagerly waiting for their response as they have been given until XX/XX/XXXX, to forward any documentation.
|
| 11/25/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Hello, I complained against IQ DATA collection company on XX/XX/2021.
Complaint number XXXX.
Unfortunately, this company is a XXXX.
The company just did not submit the correct documents to you and invented very strange stories and legends.
At the height of her XXXX, she approached all the credit companies against me and even at the height of her XXXX, she blocked my credit card.
It hurt me in my economy and my family 's economy very much.
It also hurt the excellent credit I had very much, And that's why I've been suffering for 9 months.
Unfortunately, this company has no XXXX. Because she did all this during the difficult Covid-19 period, you went through all over America and the whole world.
During this time I suffer greatly.
I have contacted IQ DATA collection company many times. And I even proved to them that they were wrong.
But unfortunately, it took so long till the company realized that they were wrong ( either they have no absorption, or they intended to hurt me ) after they realized, To date they have not removed their collection debt from all 3 credit bureau, Despite the many promises I received from them.
And unfortunately, I had to turn to you again and ask for your help.
Attached is a proof sheet of the mistake of the negligent collection company.
I AM TRYING TO REFINANCE MY MORTGAGE BUT I CANT BECAUSE OF THIS COLLECTION COMPANY I demand from this despicable collection company. Immediately remove all the bad reports that have stuck to me from all 3 credit bureau companies.
|
| 06/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
From XXXX, I made several disputes on my credit report to report accuracy and validate the debts on my report. There is an account with the name IQ Data International in the amount of {$3200.00} that is being reported incorrectly on my report. It states on my report that the date of last payment was XX/XX/XXXX and I never made a payment to them on this date. In addition, the date of first delinquency is in not in XXXX of XXXX. I have attached the statement and email conversation from the original creditor accounts receivables manager who stated that the account was already sent to the credit bureau but she was going to allow me to take care of the balance to have it removed. No payment was ever sent in by me. The last date of delinquency is XX/XX/XXXX and this is not reflected properly. This account should be removed and report correctly and will also expire from my report in XXXX not XXXX. I have sent a settlement offer to the creditor to settle this account, in which I have yet to get a response on, however this is being accurately reported on my all of my reports. This is a violation of my rights according to the FCRA, IQ DATA INTERNATIONAL and these 3 credit bureaus have violated these rights of mine as a consumer. I also never received anything showing validation after my initial dispute in XXXX with the credit bureau, I had to do lots of research on my end to locate this statement in my email inbox. No proof of contract or communication was sent to actually validate and ensure it was correct.
|
| 11/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
I.Q. Data International Inc. has repeatedly called and harassed me at ridiculous hours, very late at night and extremely early in the morning. They are violating Fair Debt Collection Practices Act ( FDCPA ). The 'debt ' is fake and I do not owe it. I even offered to settle this fake debt just to end the harassment and get it off of my otherwise excellent credit report. In my repeated attempts to settle and end the harassment, IQ Data 's sleazy reps told me on recorded phone lines that I would have to provide " financial information '' which I started to do but they would not tell me what they needed to know. They force people to answer one question at a time going deeper into personal Information with no end in sight. IQ Data refuses to outline what they need to know or why it matters or what settlement is possible. This company should be fined or shut down as I am sure they are taking advantage of many unsophisticated victims.
I. Q. DATA I N T E R N AT I O N A L, I N C.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 02/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
On today XX/XX/XXXX @ between XXXX pm I contact IQ Data International Inc address is XXXX XXXX XXXX XXXX Washington XXXX XXXX. I spoke with a XXXX, then a representative named XXXX, he was very rude and in good faith I attempting to contact IQ data settle a debt of {$950.00} with XXXX XXXX XXXX that was owed back in XXXX. I advised XXXX that I could not pay {$880.00} or {$990.00} in full on XX/XX/XXXX. I explained that my fiance ' made several attempts early summer of XXXX and before then to resolve the debt owed. The representatives were very unprofessional and when I addressed him of speaking spoke over me as I am the customer the statement was " you are not a customer '' in a very disrespectful tone ( and a bit of racists ) as well. Upon speaking with XXXX the operations XXXX, she was worse. She stated that I had an attitude because I requested a lower settlement payment than the first offer of {$880.00} and second offer {$990.00} in which the payment was expected to be paid on XX/XX/XXXX. XXXX continued to speak over me ( talking at me ) and she placed me on hold ( no profanity was being used ) and she made another statement about me " reading the letter '' in a very unprofessional and could come off as being a bit XXXX. The end result was after I paid {$240.00} on XX/XX/XXXX, XXXX the Operations XXXX would not allow for me to pay the balance of {$640.00} dollars in 30 days in XX/XX/XXXX between my fiance and I, she wanted {$640.00} in full before the call ended, and she hung up on me.
|
| 04/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I was contacted by IQ DATA and spoke with XXXX ext. XXXX. At the beginning of the call, XXXX was aggressive when I asked for account details and contact information. Once I expressed my concerns to XXXX, she adjusted her call technique temporarily. She took my financial information for the purpose of a hardship plan. I was placed on hold for an approval and offered me 2 payments for the full balance without anyone knowing this account existed. I questioned how that would be possible with the financial information I just provided to her. She became extremely aggressive and said she has loan companies she can put me in contact with to approve me for a loan to pay off this balance. I expressed to her that that was illegal, she could not offer to place me more into debt. She became extremely aggressive and expressed that she had been a collector for 20 years and other things. I asked for her to transfer me to her manager. She did and I spoke with XXXX ext. XXXX who represented herself as a manager. I ask her if she know what was going on with the account and asked her to move forward. She said I accused her employee of breaking the law and that I needed to tell her how and why because it affects her company and thats why all calls are recorded. I responded yes, but informed her to review the call as it was not my job to handle her compliance I wanted to resolve the debt. She demanded that I explain I continued to refuse. She screamed at me and refused to assist me in resolving the balance.
|
| 01/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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This happened in XXXX of XXXX.
So I signed a lease at XXXX on XXXX in XXXX XXXX. Before I put any deposit money down, or any rent of any kind, my financial situation changed because of COVID-19 and I informed them I was no longer able to afford to pay rent. They told me I had to pay to get out of my lease and find someone to take over my lease ( which hadn't even be legally started ) I hadn't put any money down and couldn't afford to pay their fee. I contacted them and they told me " tough luck ''. I didn't pay and didn't move in. I started to get aggressive phone calls and emails about how I needed to pay a sizeable amount of money or otherwise I would be evicted ( once again, I never moved it, never put a deposit down, and also they legally couldn't evict me even if they wanted to because of a COVID-19 eviction moratorium in place ). They sent me a notice through e-mail saying I had been evicted and to return any keys ( didn't have any keys as I never moved in ). Then they got a collector to try to collect {$10000.00} from me. The collectors called me repeatedly and when I finally picked up the phone and explained the situation to them, they laughed at me on the phone and said " good luck with trying to get out of it '' even though I had never moved, never put down any kind of payment, and now I was being demeaned by a collector. The collector has been adding more money to what I owe them on my credit report and they're trying to scam me for a debt I legally do not owe.
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| 02/01/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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I owed {$1800.00} for a termination fee of my old lease. I was told by my landlord to not worry about other payments, but now Im hit with an extra {$1600.00} I do not owe and was verbally told I do not owe. I have emails asking to confirm if its okay from XX/XX/XXXX. I still have no answer. All I have is a debt collector calling me. I went ahead and paid the {$1800.00} last night and they said I can dispute the rest. As I was sent to their senior advisor I was told they will not accept my dispute and they told me why as I told them I can not afford just to pay a straight up {$1600.00} yet again since I just paid the {$1800.00} moments earlier. I was told to this is due to your negligence. You should ask you friends, family, or anyone else you can and see if you can borrow {$1600.00} and pay them back. Because the penalty if they want to come for that is the least of your worries. I then repeated most of that and the lady got mad and told me shes terminating and waving my option to dispute even though she wouldnt let me. Now Im stuck with {$1600.00} I dont owe. No way to hold off the payment and a rude altercation by a debt collector over money I again do not feel like I owe.
I tried to reach out to them in email and phone call. My company wrote a letter on my behalf and couldnt get a response. And I was locked out of the building twice in the middle of work days to talk further about the {$1800.00} and when I can pay it. I was told to dispute it and I am not allowed too.
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| 08/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
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Web |
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I settled a debt with the XXXX XXXX on XX/XX/2017 with the then manager XXXX XXXX. I moved out of the unit, and out of state, a month prior. Upon communication with management, I returned on that day only to resolve the balance. I have check images showing the final payment signifying account closure that are not included on IQ Data International debt collection invoices.
Upon initial contact with IQ Data International, the representative was extremely abusive, vulgar, and threatening. Upon my request for documentation, IQ Data International went silent for years and I am only recently seeing a credit dispute affecting my personal credit.
After no response from IQ Data International, I followed up with the leasing property management directly who were able to furnish additional documents, however, showed varying amounts on all ends and the specific manager recalled our meeting but claimed ignorance of any events that took place. There was further evidence of modified invoicing due to over invoicing for several months that went unnoticed by management and myself.
In conclusion, the XXXX XXXX have proven to have inaccurate record keeping ( varying amounts and invoices between IQ Data International and themselves ), and have merely pushed the account to an abusive debt collector because they are owned by a large conglomerate real estate magnate.
Both companies show an incompetence in proper business practices and should cease abusive practices towards victim residents.
|
| 01/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
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Web |
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I contacted I.Q. Data International multiple times to inform that the balance associated to an account they hold and have reported to the credit bureaus has been satisfied. I provided proof on XX/XX/XXXX that the account had been satisfied prior to their inaccurate reporting and asked that the correction be made. I then received notice that the account had been added to my credit profile shortly thereafter. I contacted the company again with even more evidence that the amount had been satisfied with the original creditor, XXXX on XXXX, in XXXX of XXXX. As well the matter was resolved within the courts in the same month. I offered to provide the court documents pertaining to the matter, which were refused by the representative I spoke with who assured me that the correction would be made. I also disputed the informations accuracy with the credit bureaus who responded stating that I.Q. Data international states the information to be accurate, when in fact it is not, which I made them aware of from the initial point of contact to which I had to file a complaint due to violation of my UDAAP rights with a representative of the company in question. I have attached initial service receipt that shows when payment was initially processed, I have attached confirmation from operations manager for XXXX on XXXX that payment was in fact received, I have attached both the attorneys affirmation of judgment satisfaction and the motion to satisfy within the courts dated XX/XX/XXXX.
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| 05/20/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
|
I was a resident of the XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX in XXXX of XXXX to XXXX of XXXX. My partner and I moved out on XX/XX/XXXX because I had lost my job and my partner bought a home ; however, I gave a notice of two months to the apartment manager. I turned the keys in on XX/XX/XXXX and gave my new address. At that point, management had quit including two staff and only a new girl was at the front. The apartment was cleaned, carpets cleaned and vacated. I was told I was good to go and the apartment was in great shape. Fast forward and in XXXX I received a move-out notice months later but I had already moved out and was told the apartment was rented. Then in XXXX of XXXX as well, I received a notice to vacate with instructions and the total amount due. I sent two emails requesting feedback as I was confused. I called and no one answered or responded ( I have documentation ). Then an {$8000.00} debt showed on my credit and when I reached XXXX billing they told me the XXXX was purchased and probably made a mistake with the confusion and lack of management. This is a serious allegation and a large debt that is completely accurate. I have never left an apartment abandoned and was a good-paying tenant. I am now having to hire an attorney because this is false and inaccurate information. I was able to speak to someone at the previous company, XXXX and they have no record of anything. This is false information that is affecting my livelihood.
|
| 08/25/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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XXXX XXXX apartments refused to dispute my charges, of {$430.00} and handed it to a IQ Data. When IQ Data first reached out, the representative was verbally aggressive towards me when I told him that I needed him to reach back out to the apartment complex because I didn't agree to the charges. He told me that because I didn't want to pay, it would reflect on my credit report. The calls stopped and it was reported on my credit report on XX/XX/XXXX. I then started getting calls three times a day every day. Then they called me at my office in XX/XX/XXXX. I told them not to call back so they started harassing me on my personal phone instead. I finally answered and ask for a dispute again. They had me send my concerns and proof at XXXX. I sent it to them on XXXX but the calls didn't stop after. I told them I had sent it. I sent them a desist letter asking them to stop harassing me on XXXX and it was delivered XX/XX/XXXX. Following that letter, they called me on XX/XX/XXXX and they called my husband two times right after calling me to dispute the debt with XXXX XXXX. I sent a request to the three main creditors, XXXX, XXXX, and XXXX, to dispute the credit inquiry. They followed up with a letter, on XXXX letting me know that they will not conduct an investigation to dispute the charges and are charging me {$38.00} in fees plus XXXX percent per annum. Apparently I know owe them {$480.00}. I never agreed to paying late fees or the debt that they keep saying that I owe.
|
| 08/26/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I.Q. Data International , inc. has a debt collection falsely appearing on my credit report for the total amount of {$4400.00}. The alleged original creditor name is XXXX XXXX apartments, where I have not ever lived or applied to live. The date appearing on my credit report as the open date for this collection is XX/XX/2017.
Immediately upon learning of the debt I contacted the collection agency, I.Q. Data International and advised that the debt was fraudulent and did not belong to me. I requested the address to mail in a dispute letter and the representative hung up on me. Each time I called back requesting to speak with a supervisor, the representative hung up on me. I then used XXXX to locate XXXX XXXX XXXX phone number and left urgent voicemails to contact me in regards to the fraudulent debt collection. After approximately one month with no response, I used XXXX to find the corporation that manages XXXX XXXX XXXX, which is XXXX XXXX XXXX. I was asked to submit a copy of my current rental lease, which I did XXXX at the time was XXXX XXXX XXXX. I was told that the debt collection would be deleted due to the account not belonging to me upon furnishing my then current rental lease, however that did not ever occur. All continued attempts to request removal of the fraudulent debt collection have not been answered by I.Q. Data International, XXXX XXXX XXXX, or XXXX XXXX XXXX. These communication attempts have been via phone and written letters to the companies.
|
| 10/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
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I was contacted by IQ Data International on XX/XX/XXXX. The first person that I spoke to was XXXX XXXX. She was using aggressive language, yelling, and using talking tactics that appeared they are my only hope and they will take action against me, for a bill that is not mine. I asked to speak to someone higher and she connected me with XXXX. XXXX was kind and I asked him for the mailing address for the company which he gave me ( XXXX XXXX XXXX XXXX XXXX, Washington. XXXX ) I told him that I was going to submit a letter requesting information. I did so on XX/XX/XXXX. In the letter, I requested that the company provide me information on themselves, a copy of an agreement between them and me, and additional information on this supposed bill that they claim I owe. I also requested that they stop attempts to reach me by phone and that I only want to be contacted by mail. I have not received a response from that letter but I did receive my certified letter stating that they accepted and received it on XX/XX/2022 at XXXX am. Since then I have been contacted by XXXX XXXX where I have told her that this is in dispute and that I want to be contacted by mail and not phone. After that call, I was contacted again on XX/XX/2022 at XXXX XXXX XXXX from the number XXXX and again by the same number on XX/XX/2022 at XXXX XXXX XXXX. They are in violation by ignoring my certified letter and contacting me by phone. They need to stop. The debt that they claim I owe is not valid.
|
| 07/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
|
| 06/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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I contacted IQ Data international today about a collection on my credit report in the amount of XXXX for The XXXX at XXXX. I first spoke with XXXX to request a copy of the charges and she absolutely refused to send them to me. She would not let me speak and was very rude. She only wanted to speak to me if I was going to pay, but why would I pay for something if I don't know what it's for. I called back again and got someone named XXXX or reconnected me to XXXX, again I got no where. I called back a third time and spoke to XXXX, he also refused to send me the summary of charges. He then proceeded to tell me that the charges he received were actually only a screenshot and that they were cut off. He told me to go to the complex. I did go to the complex and was told that they had no record of my charges their from 2018. They gave me the phone number and email address for tenant relations for the management company XXXX based out of California, I live in Virginia. I called them 4 times today and left XXXX messages. I also sent XXXX emails and received no response back. I am just trying to get to the bbottom of this and get this incorrect debt off of my credit report. I believe that IQ Data also retaliated today as a result of my calling them to request correct information my dinging my XXXX report right after I talked to them and dropped me XXXX more points. I was told bybthe XXXX court of XXXX, va that I do not have any evictions or judgements against me.
|
| 04/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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I never received a letter by mail or anything prior regarding a right to dispute from IQ DATA International IN. They called my employer maybe about two months ago and when I called back to check what it was regarding they were rude and told me I had no choice but to pay it. I hung up. Now it is showing on my credit for {$3500.00} and I have no idea what it is for. Today, XX/XX/2023, around XXXX, I contacted their XXXX number and the representative told me that he did not have any information to verify the debt. When I asked what my option was to verify the debt he told me that I can dispute it or write a letter to the company asking them to verify the debt. When I asked the representative for the address to send the letter he told me he did not have the address, wished me luck, and hung up on me. When I called back, another representative answered and told me the same but discouraged me from writing a letter saying that " sending a letter will cause the lender to say that I confirmed the debt was mine '' and that it was " not the safe thing to do. '' He told me that he sees it happen all the time and tried to encourage me to file a dispute through him at a charge. When I asked what the charge would be, he kept insisting on me giving my address first so that he can send me some paperwork. I told him I would just call back and he told me to be careful when I call back because " they will confirm the debt. '' All of this sounds like harassment and lies.
|
| 07/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
Servicemember |
|
For 4 years, I have tried to resolve this issue. In XXXX, I spoke with an account representative at IQ Data named XXXX XXXX, who began yelling at me over the phone as to why I could not afford to pay the account. He told me he does not care about any of my reasons and he will make sure I can never own a home, demanding I pay or there will be consequences. He would talk over me and not listen to anything I had to say.
I hung up the phone and called the main line at IQ Data where I explained the situation. The lady on the phone said that XXXX 's behavior was inappropriate and they were transferring my account to another agent. She assured me " you will never have to speak with XXXX XXXX again as we do not handle business in that manner and I apologize for the treatment. '' Two years later, I called again to resolve the account and they told me " XXXX XXXX has since been promoted to manager and will be handling your account-you can only speak to him. '' That time on the phone, XXXX said he didn't recall how he spoke with me last time and so he refuses to move my account to someone else. I attempted to pay the original balance and he said I need to pay him an additional {$600.00} of an illegitimate debt.
Please see attached supporting documents of correspondence. I drafted a letter to this agency outlining timeline of events and why this debt is illegitimate. I did not receive a response. I also included information from Data IQ attached.
|
| 10/27/2023 |
Yes |
- Debt collection
- Rental debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I got a notice in the mail regarding a debt owed from my apartment lease that I broke in Florida. They called me to pay the debt, I said I couldnt come up with the {$2200.00} they were requiring but I could make payment arrangements bi weekly to ensure I am trying to pay the collection. They told me they wouldnt work with me and that they needed it all at once. The representative repeatedly talked down to me and kept asking me to borrow money from a family member, take out a loan, or put in on a credit line. I offered {$170.00} bi weekly ( totaling $ XXXX ) to start, they said no. From then, I had made a few payments totaling around {$500.00} because they kept calling me. On XX/XX/XXXX, I offered them {$1200.00} for a settlement, he declined. He said the most they could take it down to was {$1500.00} but it would still affect my credit for 5-7 years, but that if I paid the total amounting in {$1700.00} he would clear it off my credit. On XX/XX/2023, the same representative ( XXXX XXXX ) called me and asked to once again clear the debt. I told him that I dont have that amount to give him and he asked well what happened to the {$1200.00} you were willing to pay before? What happened to the bi weekly payments you were going to guarantee us? You need to ask a family member to resolve this. I asked if he was calling to lecture me or assist me in setting up payments and his reply was ok XXXX I am going to put you down as a refusal to pay, bye.
|
| 04/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
XX/XX/2022 ( between XXXX and XXXX CT ) I started out offering to take care of the debt owed. I only asked that it be removed off of my credit report, or for them to send me a letter or email stating that it will be removed from my credit report upon payoff of the ddebt. The lady I had spoken with stated she would ask what she could do to get it removed. She stated her supervisor wasn't going to send me any correspondence about removing it, but that it would be removed if I paid it off in full by the end of the month, that's what they were requiring. I told her I couldn't do that, she asked how much I could pay, I said {$50.00} a month until it's paid off. She said to let her talk to her supervisor about it, moments later he came on the phone aggressively telling me that he isn't sending anything and it had to be paid in full by the months end or it wouldn't be removed from my credit. I said I need to have proof it'll be removed they said again that they wasn't sending anything about it to me. I said it's unrealistic for me to pay it off by the end of the month since I have other bills to pay, and XXXX that live with me. I said again I can pay {$50.00} a month until it's paid off, he said he doesn't need me to pay anything because they have my work info and they'll take me to court that he doesn't care, and he was talking over everything I was saying so I toldld him not to threaten me, and I told him I was disconnecting the call.
|
| 05/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
First time was XX/XX/XXXX The male debt collector was very rude and verbally abusive used profanity and other words and made me cry and said it was his job to make me cry instead of trying to work with me and figure this situation out so I told him he could consider it paid. Then I heard back from them Monday, XXXX XXXX this is to different people. They were nice with me and we made a plan. However, they wanted me to contact loan companies to get a loan for {$4000.00} I didnt know how I was supposed to get them denial letters. She didnt want to give me an email address. I was given until this Friday which would be XX/XX/XXXX, so I called back today which is Wednesday, XX/XX/XXXX. I didnt get to speak with the person in charge of my account she didnt transfer me I dont know what happened anyway this lady was really rude started going off on me telling me what was happening with the debtor. The person who sent the debt talking over me telling me I have a house how do you have that youre on a fixed income, I feel like she was coming at me and not giving me a chance to give my side and explain my situation. Ive already explain my situation three other times, but I called them to find out. How do I send denial letters I was given an email I had to repeat myself multiple times. I finally just hung up because she wouldnt stop speaking over me and yelling at me, the original debt was XXXX and now its {$4000.00} I need help thank you
|
| 03/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
My account was falsely reported to IQ Data Inc by XXXX XXXX 's manager XXXX in XX/XX/2022 because they claimed I failed to provide 60 days notice of move out. A debt was placed in my name and sent to IQ Data Inc, who contacted me by mail on XX/XX/2022. After several conversations with Property Manager XXXX XXXX and XXXX XXXX Manager XXXX XXXX, I was told to resolve the issue on my own.
I contacted IQ Data Inc and provided proof of my 60 day notice via email on XX/XX/XXXX and XX/XX/XXXX. They confirmed receipt both times, and sent the document to processing. On XX/XX/XXXX I contacted IQ Data again, who claimed that there was no documentation attached to my file. I resubmitted my evidence, and received verbal confirmation that they received my email. I contacted them again on XX/XX/XXXX, when I was told that the department that handles disputes had sent out two dispute emails to XXXX XXXX but had not received any response. I was told all I could do was wait.
I contacted IQ Data Inc again on XX/XX/XXXX and was told that the dispute department had no made any progress on my case, nor had they made any additional attempts to contact XXXX XXXX. I was once again told to wait it out. I contacted them again, today on XX/XX/XXXX and was told that the dispute department had not made any additional contact attempts since XXXX of XXXX and that all I could do was 'try and send them an email and see if they will do anything for you. '
|
| 03/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
on XXXX : XX/XX/XXXX IQ on the data responded to a dispute. in their letter they stated " We collect amounts owed to rental properties, and our records reflect your account was placed with our agency on XX/XX/XXXX, to collect {$2700.00} owed to our client, Icon on the XXXX XXXX. Initial notification, with instructions to dispute or make payment, was mailed on XX/XX/XXXX, to the address that you submitted with this complaint which was not mail-returned and deemed received. " which is a violation under 15usc 1692e ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization., The original creditor is not IQ data Also they stated because i didn't respond to their letter they alleged sent out they proceeding to harrass and abuse through unfair debt collection practices by contacting me monlthy on my consumer report since XX/XX/XXXX under 15usc 1692 g ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
IQ data also stated " Our office was unable to find any calls or written contact from you on your account since XXXX of XXXX '' failure to to produce a valid contract under 609 ( A ) ( 1 ) ( A ) Copies of copies are not valid the contract must be an original consumer contract with wet in signature
|
| 04/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I called to try and settle the debt today XXXX and talked to a rep. She did a hardship application and offered me to settle for {$1500.00}. I asked her to settle and delete off credit report for {$1200.00}. She said she would transfer me to someone who was " more lenient ''. That person said no they would not offer me anything different and started telling me I dont pay my bills raising their voice. I asked to talk to a supervisor. She put me on hold for 10 minutes and transferred me to a voicemail that didnt work. I called back and was hungup on. I called back and was transferred to XXXX. He said he is the end all be all of that office and there was no supervisor above him. I asked him about settling and he said he actually deleted the offer and was going to give the offer any more and would not be deleting on the credit either because he didnt have to and they didnt have to offer anything. He refused to let me talk to someone else and just sat there on the phone. I asked how it was legal for them to offer me a offer and just because I asked to talk to a supervisor after being yelled at now they will not offer me a settlement and refuse to ever delete on my credit too. XXXX also refused to tell me statute of limitations and the exact date it went into the office and refused to work with me without any reason at all. They are being very vindictive and retaliatory when I am just trying to settle this.
|
| 11/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There are various different false collections and auto loans that happen to be appearing onto my credit report and I would like to get them removed... There is XXXX from XXXX XXXX XXXX that was opened XX/XX/2020 that I was not aware of until just recently when I tried to acquire things with credit and saw that my score had dropped tremendously throughout the past few month with out me noticing because I was trying to build it and not spend any credit for the time being as I saved for a home. It turns out the XXXX was repossessed from whoever was the owner but for some reason my credit and consumer report were attacked. I had my information breached onto the XXXX XXXX a few years back but I had no clue it could get this serious. There is also a collection from XXXX XXXX XXXX and the original creditor is XXXX XXXX XXXX XXXX XXXX which I would assume is an apartment complex. Thing is i've never lived in this complex it seems like maybe my information may have been falsely used. When i call the complex to ask about proof of Me being the person who signed ( knowing that i wasnt ) they never send me any documentation saying that I was the one who signed a contract ... because I didnt.. I would really like to get both of these removed from my credit and consumer report as its been hindering me from finally getting the home i was ready to put a down payment on and various other things that require credit.
|
| 06/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have wrote several letters to XXXX and the creditor IQ DATA INTERNATIONAL to verify the inaccurate information that they are still reporting to my credit report. It has been over a year and I still havent got a response from them. I have sent certified letters to XXXX on the dates of - XX/XX/XXXX and XX/XX/XXXX. Also sent letters to IQ DATA INTERNATIONAL and they picked it up at USPS on the dates of - XXXX XXXX and XX/XX/XXXX Upon this date of XX/XX/XXXX they still havent respond to verify the inaccurate account that is reporting on my credit which is IQ DATA INTERNATIONAL. Please delete this item - IQ DATA INTERNATIONAL - from my credit report as soon as possible. There was no real investigation on both their parts and still havent respond for a whole year and a half with verification. Federal law requires them to respond within 30 days yet haven't responded for a whole 365 days plus. XXXX is going against my consumer laws for still having inaccurate items reporting to my credit report One of the few laws they failing to abide by [ 15 USC 1681E ] and again they STILL HAVE NOT RESPONDED FOR MORE THAN 365 DAYS which is CLEARLY breaking the validation law so I am in the process of suing them for defamation of character.
Copies of my letters and receipts to both XXXX and IQ data international will be attached please look at the dates PLEASE DELETE IQ DATA INTERNATIONAL FROM MY CREDIT REPORT.
|
| 09/21/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
This is a 2nd request for calculations of debt. The company state based in ledger but just inputed information. First, I signed option 2 on lease but the company charged me option 1 which is {$3200.00} and on ledger. The company made adjustments as shown on ledger when asked for calculations but never provided the actual calculations. Imliable for difference what I owe and they obtain from release.
Florida Lease Termination Law 83.595Choice of remedies upon breach or early termination by tenant.If the tenant breaches the rental agreement for the dwelling unit and the landlord has obtained a writ of possession, or the tenant has surrendered possession of the dwelling unit to the landlord, or the tenant has abandoned the dwelling unit, the landlord may : ( 1 ) Treat the rental agreement as terminated and retake possession for his or her own account, thereby terminating any further liability of the tenant ; ( 2 ) Retake possession of the dwelling unit for the account of the tenant, holding the tenant liable for the difference between the rent stipulated to be paid under the rental agreement and what the landlord is able to recover from a reletting. If the landlord retakes possession, the landlord has a duty to exercise good faith in attempting to relet the premises, and any rent received by the landlord as a result of the reletting must be deducted from the balance of rent due from the tenant.
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| 12/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
Servicemember |
|
I am currently in process of making a large purchase, and before I ran my credit I performed a credit check and saw IQ Data International pop up and is reporting an amount of {$2400.00}. I have no clue who this is or was, so I XXXX searched the company and I called them. They asked me some questions and if I ever rented an apartment in XXXX? I said no and I have no clue why this is popping up. I then was grilled about people I do not know and was asked if I ever co signed for anyone.. which is a no. I was told I would receive a fraud packet to fill out and return. Waiting for mail and nothing so I called again, a week later, was asked about an address I never even heard of and was told they are resending it out. Waiting again nothing. So we are out 3 weeks now. I called today and Im being told it may take up to 10 business days from today! Why? I again was also grilled about living in this apartment, my social security info and place of residence. I feel completely violated and want this issue to be resolved asap! This is completely unfair and Im being treated as if this is my debt and I know what is going with it. I have never heard from these people ever! Also am being asked to provide documentation that I do not have!!! Its ridiculous. I am ok with policy and procedures, but I feel that its taking way to long to fix the issue and also being probed about something I have no clue about.
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| 04/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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IQ Data International IncXXXX is a third party collector. I was renting an apartment in XXXX XXXX NV. In XX/XX/2018 my lease was set to expire. The property was purchased by new owner and name the apartment XXXX XXXX. My apartment, air conditioner, stove, refrigerator, washer and dryer was in need of repairs and also the complex was roach infested. The new owners was remodeling the apartment by sections. I was told by the apartment managers that they would not be making any repairs because they were remodeling every unit with new appliances and hardwood floors instead of carpeting. I was offered to moved into a remodeling unit at increased rent and the renewal of my lease. I advised them and gave them a written 30 days notice that I did not want to move into a higher rent apartment and that I would not be renewing my lease. The building I lived in was the next building scheduled to be remodel and I was one of the last tenents. I was offer if I could move out by the XXXX of XXXX, they would agree to forgive the 24 days of my lease and any fees due. I agreed and moved out and return all keys on XX/XX/2018. They forward me a bill for cost on XX/XX/2018 and wrote them back about the fees and the agreement. They sent me an updated bill dated XX/XX/2018 evidencing the write off of all fees. However, XXXX XXXX did not want to honor the agreement and apparently sold this to a debt collector.
|
| 12/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/2019, I notice that on my credit report in all 3 credit bueras appears collection debts I did not recognize.Around same time I start to receive calls from collection agency very random times and day. I contact them for details and they forward me to collection agency which provide me with details about original creditor ( apartment complex ) which I did not recognize. I ask for detail to provide me. It's appear that third party did use some of my information to obtain lease agreement. I did request to remove this collection as its not belong to me. XXXX agency did remove this collection, however XXXX and XXXX did not. I did request from them more information. XXXX send me information IQ Data International provide to them. When I did compare with details I was provided from IQ Data International I notice some number and the names for a fees was different which make me completely doubts about if creditor know what it reports. I forward those 2 different copies to XXXX and XXXX by mail to request remove it from my credit report cuz now I saw it was not only not mine debts but also no consistency in this collection. I did not get any respond on mail from this bureaus, only online they updated that collection been verified.
On docs I will attached you can see those inconsistencies on that collection. I will also provide you bank statement with my residency at that period time.
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| 01/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
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Web |
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They were contacted on XX/XX/2021 about an account appearing on my credit bureau. A collection account for an apartment in a state I have never resided in, or co signed for anyone in that state. I informed them I had been a victim of ID theft and that my personal information had been used. I informed them that a FTC report was submitted. A police report was submitted. There are fraud alerts on all XXXX major credit bureaus, in addition to XXXX XXXX, XXXX XXXX, XXXX, and XXXX. My iformation is as locked down as I can get it. They sent me a fraud packet I completed this and sent it back. That was XXXX weeks ago. Today I called and was greeted by " we have been trying to resolved your bad debt you owe for 2 years now ''. I explained it wasn't mine again etc. To which I was told " as far as we are concerned we purchased good debt that you will pay back ''. I said I don't owe this. You have everything you asked for to resolve this so can I find out when this might have a resolution? NO. NO?! I said you are ruining my credit. I have never had a collection in my life, I am not late with my creditors and I cant purchase home until it is resolved. Not our problem, pay this and we go away... WOW. Not how a legit business should be operating. I am attaching everything that proves I have done what was asked. Now they need to process this and remove this from my XXXX XXXX file immediately
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| 06/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
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|
Web |
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This company is attempting to collect money I do not owe this is a falsified debt and also I tried to contact this company and they began to threaten to sue me and they were very disrespectful to me. I asked to see proof of contract between me and the original creditor to see what was going on they didnt send any information I also asked to see proof of the original lease agreement I never received that as well. This is a clear violation of the FCRA and FDCPA they are using untruthful and unfair tactics in order to scam me out of money. I want to see all of the necessary proof that I requested which is my right and failure to produce those documents within 30 days could very well result in a lawsuit in which I will seek compensation for the damage that this company is doing to my life and my credit report. I want the original signed contract by me also I want the original lease agreement signed by me also I want to see the payment history between me and the alleged landlord or company that rented the place as wel as a copy of my ID Card used to obtain this service or property and my SSN card. They have violated numerous of my rights once they threatened me and tried to lie as if I really owed them this amount of money when I do not this is not my debt at all I am also requesting copies of the original security deposit receipt and the proof reimbursement receipt as well
|
| 08/07/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
|
|
I was contacted after my balance went to collections from a apartment community I had vacated from back on XX/XX/2018 with a written notice.
I had a lot of financial hardships at that time that prevented me to pay on time and I did not have an address to provide for any mail that needed to be forwarded.
I received a call from a representative at I.Q Data international who was very hostile and used threatening language towards me stating, that they will come after me. They continually harassed me for months at a time.
They currently have a collection on my account that goes up every month due to interest but the balance is incorrect, which I tried disputing in I believe XXXX of 2018 through XXXX XXXX but it did not help.
I went on to I.Q Data international website to see if I could find the amount due on the account and it shows incorrect. The balance reads the following : Original Principal Balance {$7400.00} Current Interest Balance {$2200.00} Current Balance {$13000.00} Current balance on my credit report States {$13000.00} When I add my Principal balance and Interest balance it comes out to : {$9700.00}. This is a HUGE difference.
Please help me get rid of this collection, this company is hard to deal with and to communicate with and has reported false and incorrect information to the credit agencies. Documents are attached showing the balance discrepancy.
|
| 02/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
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Web |
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I have been trying to remove these fraudulent charges IQ DATA from my credit numerous times. XXXX is done with their so called investigation less than 24 hpurs after i dispute it and now won't allow me to dispute it at all. BOTH other reporting agencies have removed it because it is unlawful.
In XX/XX/2018 my XXXX XXXX XXXX daughter were in a XXXX XXXX situation for our safety I had to leave the state abrubtly and relocate..XXXX XXXX XXXX ( purchased by XXXX homes AFTER my tenancy ) was aware of the situation. Never once was I informed of ANY of the charged they are reporting fraudulently. That home was left unlocked with a key left the inside at THEIR request. I have requested documentation for this {$16000.00} debt that is OUTLANDISH and haven't received anything from either company detailing WHAT and HOW I owe that money. I was never notified of the debt or given the opportunity to defend myself against this debt or even that it existed at all until it hit my credit. If there's a judgement I was never informed That's FRAUDULENT and illegal! It's been disputed a thousand times it's been completely removed from my other reports as FRAUDULENT and now i need someone to PLEASE help me remove this absurd amount of non existing debt that wasnt incurred by me from XXXX. This has held me back from having a place to live for my child for 2-3years and I deserve answers.
|
| 09/18/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Older American |
|
I signed as a lease guarantor for my grandson to rent an apartment on XX/XX/XXXX. On XX/XX/XXXX, I received a voicemail message from the leasing agent that she needed to talk to me about some issues that had experienced with my grandson but she would be sending an email with more details. I received the email along with a letter from an attorney dated XX/XX/XXXX alleging that XXXX 's behavior on the premise had violated the lease agreement. On XX/XX/XXXX, XXXX was served a 3 day notice to quit. His rent was paid thru XX/XX/XXXX, he never paid late and there was no damage to the building. I contacted the leasing office to request protocol for paying the rent for XX/XX/XXXX and requested additional time for XXXX to vacate given it was holiday season. I was told that the XXXX XXXX would not accept additional payments from me because the eviction notice had been served. XXXX returned his key and vacated the premises on XX/XX/XXXX. IQ Data reported a collection account against me in XX/XX/XXXX. I was never contacted by XXXX XXXX or IQ Data regarding an unpaid debt until after I called them. When I contacted IQ Data I was told to pay or the collection information would remain on my credit. They say if I pay, " we can make it go away. In believe that if XXXX XXXX believed that I owed any money they would have contacted me since my contact information never changed.
|
| 12/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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A collection account was placed on my XXXX credit file XX/XX/2019. Upon reviewing this item on my credit file, I responded with a dispute letter, requesting additional information on this account. After realizing that the item was wrongly placed on my credit file, XXXX removed the item, then reinserted it about a month later without properly notifying me. Violating the Fair Credit Reporting Act law which requires the consumer reporting agency to notify the consumer through a written letter within five business days after the determination is made.
However during my very own investigation, I was able to contact the alleged debt seller of this account. Attached along with this correspondence, is an Email from a representative at XXXX XXXX apartments in XXXX Texas. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Phone number ( XXXX ) XXXX. The gentleman was unable to verify any claim that I signed a lease agreement at the above apartment complex.
Further more, despite numerous requests, XXXX and this debt buyer have failed to show any details about the age and of the original source, a detailed explanation of any interest, the date the original creditor claims the debt became delinquent.
According to the FCRA, IQ Data International and XXXX have violated my rights as a consumer. And I am requesting legal action to remove this account from my credit file immediately.
|
| 11/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
This letter is a formal dispute and request for investigation under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq. The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute : 1. 15 USC 1681e ( b ) - Accuracy of Information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impat the accuracy of my credit report. 2. 15 USC 1681i - Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. I request a thorough investigation into these inaccuracies. 3. 15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names and addresses do not contribute to an accurate representation of my creditworthiness and should be removed. I kindly request that you investigate the accuracy of the names and addresses associated with my credit report, remove the inaccurate accounts, and provide me with a free copy of my updated credit report. Failure to address this dispute may result in legal action as permitted by the FCRA. Thank you for your prompt attention to this matter.
|
| 08/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
Older American |
|
Good Afternoon, This is XXXX XXXX, I use to live in XXXX XXXX in XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. I have proof of emails going back and forth with the manager advising her 3 weeks ahead that I was going to move out of the XXXX XXXX due to raising the rent with out notice. I properly informed her send an email also filled out some paper work and returned it back through email. When I was about to move out the last day she did not even notify us where need to sign or drop off the keys. Also reasoning of moving the XXXX XXXX was infested with roaches she been notified multiple times to please do something about it but not really fix the issue where I started to get sick due to the roaches infestation. Leaving the XXXX XXXX I made sure I cleaned as much as I could but the roaches where still out she stated in a note that was no clean which thats in curtate also left due being sick I wanted to leave before I wasnt unable to make no more payments for my illness an not leave in wrong terms or have a bad credit on my side due to that also I have the agreement where it states the deposit they will use it for any circumstances am they are charging me for no reason I am unable to pay at this moment Im going in XXXX I believe I did the proper procedure in giving them enough notice to move out and not owe anything may I please be advised with some assistance.
|
| 11/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
It was reported by I.Q. Data International that I owed a debt of over {$2800.00} for the property XXXX XXXX in XXXX, FL. I contacted I.Q. Data International on XX/XX/XXXX and explained that my statement of deposit from XXXX XXXX indicated that I owed {$1300.00}. I provided a copy of the statement by email to management, XXXX XXXX, on that date. I subsequently made 2 payments equal to {$1300.00}. I was told that this would close my account and they would mail me a receipt and do a " Pay to delete '' of this account from my credit report. After 3 weeks of no correspondence with I.Q. Data International, I called to inquire why there were no changes to my account. I was told that the original owner of the debt, XXXX XXXX, would need to concur that this debt was paid and they had no communication from them. I was also told that they could take as long as they wanted. I then reached out to XXXX XXXX on XX/XX/XXXX, where I was told that my debt was to the previous property management team, XXXX XXXX. The property has been under new management since XXXX of XXXX and there is no record of my debt with the new property management. I have contacted XXXX Properties and have been unable to reach anyone other than a answering machine. I have emailed twice to email XXXX with no response. I would like my account to be resolved as promised and removed from my record.
|
| 09/23/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
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We stayed in the Apartment ( XXXX XXXX XXXX ) ( not properly walkthrough fixed many things took 3 months ) ) last three years and moved out because of the Roches and vandalism every year ) We have small kids and affecting their health, unhygienic situations because apartment management fails to maintain the property. Last three years of destruction, we lost about a good amount of money ( complaint in XXXX police department ). Agreed to terminate the contract, and we arranged to pay the termination fees of {$2300.00}. When we are moved out, we ask you ; please give a payment plan we can pay off. The Apartment said no, and you will get a final invoice, and you can pay there. After I noticed that they sent to termination fee collection company IQ data international, we are still not getting any final invoice from IQ data global. When they called, I gave credit card. They said they would not take XXXX XXXX. This company was treated very disrespectfully and threatening that if you are not paying the amount, we put information in a credit report, or you will go to jail face the consequences consequence.
We beg them please give payment plan because of the uncertain situations about the job we request we will pay off within 3 months. they said we can do but regardless we will put this on your credit and you need to get a loan or a high amount to pay off.
|
| 09/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
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I spoke with IQ Data Solutions to try and resolve an incorrect debt.
I have been transferred to a woman name " XXXX or XXXX '' quite a few times who has been nothing but belligerent and overwhelmingly aggressive in all our phone conversations. She mentioned that I am a liar about them yelling at my under aged child. My daughter answered my phone prior and someone yelled at her and thought she was me just because she doesnt have a child like voice. They have done this several times as my daughter sounds a lot older than she is.
I have been called out of my name and everything under the sun but a child of XXXX. They have contacted my husbands cell phone at XXXX and XXXX XXXX which is illegal. My husband and I are at a crossroads and trying to get this debt settled and removed from our credit reports, but this company is relentless with the belittling tactics. This company is extremely abusive, aggressive, and unprofessional. We can not continue trying to contact them and deal with them when they treat us less than human.
I spoke with the XXXX XXXX XXXXXXXX manager, XXXX and she mentioned that there is nothing they can do because the debt was sold. She said I can try and contact Corporate, XXXX who doesn't answer my emails. There has to be another way to resolve this as I can not contact a company where employees call me derogatory names.
|
| 09/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have negative reporting on my credit report from IQ Data International in reference to monies owed to an Apartment complex in the state of Georgia. I told them it was not me and that I never lived in Georgia. I used to date a young lady there and she and her family members took it upon themselves to forge my name on an apartment and a utility billing addendum. When I contacted the credit bureaus they just said the debt was validated. I asked for a copy of the lease agreement but they had the collection agency to send me what they are using as proof of validation which was not an apartment rental lease agreement but only an utility billing addendum. When I saw what they provided, it was clearly not my signature. My name was printed out not signed and the other parties on the utility addendum had signed signatures. I responded to the credit bureaus and the collection agency with a letter in which I both signed and printed my name. I also sent them a copy of my drivers license and social security card showing the signatures did not match. They are still reporting this and I asked that it be deleted. Anyone can walk in with others and say they are me and print my name on a document but if there isnt a signed lease, thats because I was not a tenant in that apartment unit. I want that debt removed from my credit report immediately.
Thank you
|
| 11/16/2023 |
Yes |
- Debt collection
- Rental debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
On XX/XX/23 I contacted company IQ DATA to try to resolve debt I asked if i can settle for less and if they offer the option to pay for deletion off credit report they stated my account didn't qualify for a settlement because my account was not in good standing which is fine i then asked for other payment options but they refuse to make any arrangements with me I was advised to pay balance in full or nothing at all I repeatedly asked for payment options to resolve because I couldn't pay in full and was denied of any other option i was threatened that if I didn't pay today that they would never remove from my credit report even if I paid in full on a future date so I'm being denied a resolution to resolve this debt that I'm willing to pay in full in the form payment installments the representative ( s ) was very rude, very insulting, very unprofessional and seem to be working on a personal level tactics and using past communications against me and not business level tactics to do what is best for their clients I'm trying to take care of this debt they are making it very difficult to resolve I'm sure these tactics goes against compliance and company policies and needs to be addressed immediately and do they have the right to deny payments from a consumer and to clarify no abusive language or profanity was used by debt collection agency
|
| 12/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I moved out of the XXXX XXXX XX/XX/XXXX. Everything was up to date, never late, gave 60 days notice. I stayed a few days over the lease but in accordance to my move out agreement. They said I would get a bill for the remaining balance. I never heard anything but got repeated hang up calls from XXXXXXXX XXXX starting 1st week of XXXX. Keep in mind, I moved our XX/XX/XXXX, nothing in arrears.
My sister sent mail forwarded to her house. The apartment complex had a mailing address but my final bill was sent to the old address. I finally got the billing my person around XX/XX/XXXX. This is not a month after move out. A few days ago, right after XXXX, my sister got repeated calls. She was listed as am emergency contact. They called several times a day, she finally answered. It was debt collectection IQD I understand if it had been months, but not even 30 days and they are already aggressive for {$170.00}. Calling relatives repeatedly, hang up calls for me. This is overt harassment. I was a good tenant. Will pay the bill, but was going to on payday. I don't feel I was irresponsible. I just got the bill, and will pay it Friday XX/XX/XXXX. They need to be reprimanded as per XXXX search, they do the often, aggressive and rude seem yo be the wording for many. I was not negligent!
Thank you. Will attach the bill I finally received.
XXXX XXXX
|
| 04/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Older American, Servicemember |
|
My family and I moved from an apartment complex owned by XXXX XXXX XXXX, XXXX, NC, in XX/XX/XXXX. A charge of {$500.00} and {$130.00} was applied to our credit report by the leasing agency, Lease Term Solutions of NC. The charge was regarding treatments of a pest infestation that initially occurred before moving into the apartment a year earlier, in XX/XX/XXXX. XXXX XXXX Properties homeowners insurance should have been applied to correct this problem, but instead, we ( the tenant ) were billed, and eventually, the item was placed on our credit report. On XX/XX/XXXX, we made a visit in person to the XXXX XXXX apartment complex office to rectify the issue. The attending agent informed us that several leasing agencies held the leasing contract over the last several years. After searching diligently through the current and historical data, the representative could not locate the charges in any of the files. She didnt even know which collection agency that was trying to collect these charges. We went to our collection report and filed a dispute. The result came back as this is a valid and accurate collection account from IQ Data International. Today, XX/XX/XXXX, I called IQ Data requesting the incorrect data be removed, and they promptly refused. We are contacting your agency to help us get these two items removed from our credit report.
|
| 09/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I XXXX XXXX the consumer and natural person am seeking remedy from IQ DATA INT. They are in violation of the FDCPA Laws as you can see in Exhibit A, B, and C.
They are in violation of 15 USC 1692d ( 1 ), by reporting on my consumer report and ruining my reputation.
On XX/XX/2021 I sent IQ DATA INT a debt validation letter by certified mail ( exhibit B ) it was received and sign for on XX/XX/2021. Today is now XX/XX/2021. I have not received anything from IQ DATA INT. As you are aware, " Estoppel by Silence '' legally means that they had a duty to speak but failed to do so therefore, that must mean IQ DATA INT agrees with me that this debt is false. IQ DATA INT failed to validate a debt at my request, which is a FDCPA violation and still continued to keep reporting a disputed debt to the Consumer reporting agencies another FCRA violation.
By doing so and by reporting this debt to the Consumer reporting agencies it is causing damage to my character and that is Harassment under 15 USC 1692d ( 1 ) Pursuant to 15 USC 1692k - Civil liability, 15 USC 1692k ( a ) ( 1 ) and 15 USC 1692k ( 2 ) ( a ). I want remedy by paying the invoice included of {$2000.00} and immediate Deletion from all consumer reports for my Federally protected consumer rights. please investigate this matter and help me from further harassment. Thank you, XXXX XXXX
|
| 11/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I filed a complaint against IQ data international for violating the FCRA and the FDCPA they have not provided me with any notices and have not given a copy if the original contract. They said partially on reaponse " In XXXX of 2022 we received a new address for the consumer and a new initial notice was mailed to the consumer at the address provided with this complaint, which was not mail returned and was deemed received. Prior to our receipt of this complaint, our office reached out to our client in response to a dispute from the consumer. Our client provided a signed leased, move out statement, and full ledger to confirm the balance on file as accurate. '' I provided no signed move out statement this is a lie. I never received any notice at all. However the law provides a consumer can opt out of their information being shared at any time. I am also supposed to get a notice every 30 days before they report. I have not been given that opportunity. They also cite a statement that says they MAY report unpaid balances to collection agencies but that is with the consent of the consumer I give no such consent. I am instructing them to stop reporting negative information to my consumer report in order to coerce me into paying a disputed account this is again against the law. These are clear violations of federal law.
|
| 08/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This debt belongs to ex spouse, due to court order in XXXX. I have let I.Q data know this information back in XXXX they refused to accept the information that was stated to them they are rude and disrespectful. I even tried to pay for some of the debt in XXXX, just so I can get an apartment, they refused to accept payment stating that I need to pay all of the debt. I have sent in this information from my divorce decree and still reporting this on my credit report.
Also name is incorrect on this report, and date that it was reported is incorrect according to my credit report.
In the first week of XX/XX/XXXX, someone went to an apartment that i was in and was looking for me, they went to the front office to ask for my information from the front office lady, telling them that they were inquiring about some land that I own ( I don't own any land ) she told them that she wasn't giving them any information, she described to me what he looked like. A few days later when I was taking my kids to school I seen the man in a dark blue vehicle outside of my gate. I was pulling out and he pulled in and stared at me. I knew it was the same person from the description that was given to me from the front desk lady. I don't appreciate being followed because I have small kids and I dont know what that persons intentions are
|
| 01/19/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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I went to court in XXXX with my old property management company, XXXX XXXX. I agreed to move, and the case was Sealed by a Judge so it would not impact me moving or appear on my credit report. I was told to use my funds towards moving and last I checked, I had a {$0.00} balance with them. I had no clue this was in collections or on my credit report until XX/XX/XXXX while applying to move to a new location. I reached out to the debt collection company IQ DATA, they would not help. They actually yelled at me and hung up the call without helping me get information on this account. They claimed they sent me a recent letter with the charges but I have yet to receive it almost 2 months later. I've provided proof to XXXX, IQ DATA and the rental company I'm applying to but no one will explain how to get this removed. The companies involved keep saying they have no control over what they report and I need to take it to someone else to get it resolved.
I've done my own research and according to CA Law, if a Landlord Tenant issue is sealed by the court it can not be reported on your credit. IQ DATA is also adding a lot of interest fees on this account even though that is also supposed to be illegal. I've reached out to the original creditor XXXX XXXX and they also confirmed there is a {$0.00} balance as of XX/XX/XXXX.
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| 01/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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Unfortunately I have become a victim of identity theft over the course of the last 10 years that I am just now finding out about.
Unauthorized collection accounts from identity theft : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Unauthorized accounts that are closed : XXXX XXXX, XXXX XXXX, Unuthorized Inquires Continued : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Some of the inquires listed above have mulitple postings to my credit report. I have always lived at home with my parents. I have never lived on my own nor have I ever had utilities in my name. I believe my identity has been compromised for over the course of about 10 years. I have not been able to recognize a lot of the information on my reports and I am utterly concerned and would like to address this immediately.
I have attached to this report, the FTC report that I have sent to all unauthorized closed & charged off companies, as well as to all soft/hard inquiries and they are verifying inaccurate information. Please help.
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| 10/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
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To whom this may concern i have recently gone over my credit report and spoken with an collection agency that is reporting to my report the agent i spoke with is XXXX from IQ DATA INTERNATIONAL, also i have gone over the itemized billing with XXXX and he stated that i was being charged {$3000.00} for a termination fee, which i have in written documentation that it is supposed to be waived, so that is inaccurate also upon checking IQ DATA original amount reporting to my credit report is {$4500.00} of which {$3000.00} as the termination is not supposed to be there. i also received the itemized breakdown from XXXX at XXXX XXXX XXXX which states the same also with the mailed letters that show the itemized breakdown. as per the recorded call majority of my balance is being charged based on a termination fee of which I'm not supposed to be charged for due to moving because of mold in apartment, as per FCRA 15 U.S. Code 1681e ( b ) states ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
which means this collection needs to be removed/deleted from my report due to the inaccuracy of the reporting. please remove Immediately.
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| 11/22/2023 |
Yes |
- Debt collection
- Rental debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I am extremely upset and angry regarding the outrageous behavior I encountered during a recent call with representatives of IQ Data on XX/XX/XXXX and XXXX, XX/XX/2023
The representative continually threatened to ruin my credit score and insinuated that he would send the recorded call to law enforcement. I did not threaten the representative or raise my voice during any of these interactions. These tactics are illegal and highly upsetting.
I'm currently in a legal process to resolve this debt with my landlord, who never should have transferred it to collections to start with. I explained the lapse of communication with the management and offered to provide additional documentation and details during the call with IQ, only to have your rep immediately dismiss my dispute like it was pointless. This is absolutely unacceptable, especially when someone informs you that they have already initiated a legal dispute, why would you continue to try to collect the funds? On XX/XX/XXXX, I spoke with agent XXXX XXXX and on XX/XX/XXXX a representative named XXXX who wouldn't provide his last name.
I believe IQ Data 's actions violate the Fair Debt Collection Practices Act ( FDCPA ). No false statements, no unfair practices, and definitely no harassment. Yet, the representative blatantly violated these rules.
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| 04/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I would like to file a formal complaint against IQ. Data International Inc, for unfair practices in attempt to collect allege debt which was disputed as fraudulent not belonging to me.
On or around XX/XX/2021, I received a notification from my credit monitoring services IQ Data International placed a major derogatory collection item in the amount of {$570.00}, on my Equifax credit report, which I immediately denied as fraudulent not belonging to me. ( see attachment ) Please note IQ Data International violated the FCRA & FDCPA refused to send written correspondence to consumers home address, denied consumers right to dispute said debt prior to reporting to credit bureaus.
I immediately reached out to IQ Data International requested validation of said debt, not a standard letter with amount which consumer have every legal right for detailed information regarding collection activities. ( see attached letter ) To date IQ Data International is refusing to validate said debt as outlined in my letter dated XX/XX/2021, and refused to remove the derogatory collection item from my credit reports in direct violation of FRCA & FDCPA.
Therefore, I am requesting your office to investigate this unfair practice and if found in violation enact or enforce laws to protect consumers from this abusive practice.
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| 07/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I assert that your agency 's actions in attempting to collect this debt have violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. The following violations have been observed : 1. Agreement bearing my signature, Verification and validation of the alleged debt, including the original creditor 's name and contact information, the account number, and a detailed breakdown of the alleged charges.
2. A complete account history, including the date of the alleged delinquency, any payments made, and any additional charges or interest accrued since the alleged default.
3. Copies of any communication or documentation sent to credit reporting agencies regarding this debt.
Your agency is required by law to provide this information and fully comply with the FDCPA regulations. You have Failed to do so and will be considered a violation of my rights, and I will take appropriate measures to address these violations.
Lack of Verification : Despite my multiple requests for verification of the alleged debt, your agency has failed to provide substantive evidence validating the debt 's authenticity.
False or Misleading Representations : Your agency has made misleading statements and threats regarding legal actions and negative credit reporting.
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| 11/04/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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XXXX XXXXXXXX Original Balance {$3200.00} current balance over {$4000.00} IQ Data International, XXXX Credit reporting.
I have contacted and disputed this inaccuracy on my credit report with XXXX and the creditor numerous times. Asking that this debt be verified. After dispute is completed I am receiving a credit report with no verification stating that the debt has been validated. I have received nasty calls from the creditor. I have tried to resole with creditor and also have requested the information that was purchased by them bearing my signature of the debt. I have explained the debt does not belong to me and to have this removed from my report I have made several goodwill 's to the creditor in an attempt to clear up the debt with both XXXX and the collection agency, still no verification of this debt has been provided. This inaccuracy represents a very serious error on my credit report with XXXX. My rights have been violated. Furthermore, interest is being added. This is also documentation that I requested from the creditor, why is the debt increasing. No one has provided me ay documents that I haver requested showing any proof of the debt bearing my signature as well as the debt adding interest. Four years this has been hindering me. I need this debt to be removed from my credit report.
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| 05/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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My credit was pulled back in XX/XX/2020 10 times dates being XX/XX/20 twice on XX/XX/2020 twice in XX/XX/2020 once XX/XX/2020 once XX/XX/2020 once XX/XX/2020 once XX/XX/2020 and once XX/XX/2020. I found this out by checking my credit report ( in which I do twice a year ). After seeing that, I put a lock on my credit. 5 Months later I get a notification on my report stating I owe {$8000.00} from a company named XXXX XXXX XXXX XXXX. Ive never heard of this company before! I called the collections ( IQ DATA INT ) and got there information for a dispute and they told me I owed this money immediately for an apartment with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX! I told them I went through identity theft and do not live in that area at all and have a police report! they told me that it doesnt Matter I signed papers etc ... ( XXXX was the representative I spoke to ). I explained that I never signed anything Ive been living at my current address for 3 years. I got their information which is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, WAXXXX ( XXXX ) XXXX ) is XXXX XXXX XXXXXXXX address. I then proceeded to call experian and they told me to contact this website for fraud reporting. Please what can you do to help remove this fraudulent activity off of my credit and restore my points?
|
| 10/07/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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on XX/XX/XXXX I attempted to pay a debt I owed for an apartment in XXXX. The amount on my credit report was {$3700.00} but the original amount was {$2500.00}. In an attempt to pay the original amount which I can pay I was told they could not remove the interest amount on the account. {$1200.00} more dollars is highway robbery on a debt. I was unable to pay because I XXXX my XXXX in the first place and now I am able to do so and they are unwilling to help. They wanted to put a down payment and then pay the rest which would continue to incur interest meaning I may not be able to make those payments and end up in the same situation. Something needs to be done about this. They've purchased the debt for little of nothing and want to charge you more for having it. I never received any correspondence from this company regarding the charges or interest. I only found out when I checked my credit report. Something needs to be done to stop this. I am willing to pay the {$2500.00} to have this taken care of. It's like paying the same debt twice at this point which is crazy to hard working consumers. I have recorded the conversation as well and will upload so you can hear how she talked to me. I didn't appreciate how I was talked to you as well when I was only trying to pay off the collection that is it.
|
| 11/08/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is a follow up complaint/dispute for XXXX.
Dispute Regarding Inaccurate Information Reported by IQ Data International Inc Hello, I am writing to dispute the information reported by IQ Data International Inc on my credit report. It has come to my attention that the account information provided by your agency does not match my financial history. Specifically, all three credit bureaus are reporting conflicting details about the type of account in question.
While one credit bureau asserts that this account is a joint one, XXXX has indicated that it is an individual account. I want to clarify that I have never engaged in any business transactions with IQ Data International Inc, nor do I owe any such debt as suggested in the report.
Cease and desist all inaccurate information and I kindly request that you investigate this matter thoroughly and remove any inaccurate information from my credit report. It is imperative that my credit history accurately reflects my financial standing, and I believe this discrepancy is a result of an error in reporting.
Please provide me with the necessary steps to rectify this situation and ensure the removal of this erroneous entry from my credit report as soon as possible. Your prompt attention to this matter is greatly appreciated.
Sincerely, XXXX XXXX
|
| 12/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with account listed under IQ Data International. I requested a validation on XX/XX/2020 as there were several discrepancies that were identified with this account that I do not believe I owe. My main issue is that I was a participant with XXXX XXXX XXXX XXXX at this time and due to mold issues in the apartment that were not corrected within the amount of time that was agreed upon between landlord and XXXX I was required to move. This is something that the landlord was aware of and due to their failure in acting and upon agreements between housing and them they forfeit any rent owed. I reviewed my credit report again on XX/XX/2020 and the account was listed as disputed by consumer however no validation of debt was ever received. Therefore on XX/XX/2020 I sent a 2nd validation letter requesting complete validation for this debt again. Credit report was reviewed again on XX/XX/2020 and the account is still reflecting on my report and I do not believe the debt is correct or valid and this account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this debt belongs to me and all information being reported is correct.
|
| 02/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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In 2019 due to a natural disaster of XXXX XXXX we were in state of XXXX in XXXX XXXX I lost my jobs. There were no jobs in the area due to the destruction. I managed to pay my rent without having nothing to eat. I spoke to the XXXX and with her approval I left only XXXX month before the termination of my lease.
It seems this company called IQ Data International purchase a debt from XXXX XXXX XXXX and put lots of money on top and sent it to Collections. It is my only Collection. I am very responsible and always pay my bills.
I explained to them that this was in a state of emergency and a natural disaster and this has been in my credit for more than 4 years now. They refused to delete it and are asking me for XXXX that I don't owe. My lease was paid and they kept my deposit. That is equivalent to only XXXX month.
This is unfair and when I called them they treated me very rude and disrespectful, in an abusive way asking me in a loud and angry words, talking over me that I have to pay what I don't owe including all the money they put on top of it as so called " Interest '' I want this item to be deleted from my credit reports. It is not correct. It is not accurate and the only purpose of IQ Data International is to make money with people that lost their jobs due to a natural disaster.
|
| 06/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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Received a letter in the mail from IQ Data International saying that I owed an amount of {$2100.00}. Upon reviewing the letter is called and spoke to an agent saying that I do not owe anything because I moved out a year before. The agent told me that well since you moved out there shouldnt be a reason that youre getting charged. So I asked him what should I do and he suggested a send in an email to the dispute center so XX/XX/XXXX I sent in an email disputing the debt saying that I moved out in XXXX of XXXX and did not renew the lease with my family in XX/XX/XXXX, and also sent them proof of the lease. So 2 weeks passed by and seen that I havent recant update so I called them again in XXXX and spoke to an agent wondering when I was going to get a response and he said it takes up to 4 to 6 weeks and so I decided to explain my situation again and this agent was so rude did not want to listen to what I had to say, and saying that information was correct and said that I did sign the lease when I didnt and just kept going back and forth with me. So now its been a month and half still no update via email or letter. I never had a contract with the debt collector for any debt, they couldnt even provide me with the correct information, the reps are rude and are not willing to resolve the issue.
|
| 07/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
XXXX XXXX stole my identity information and used it to open credit cards and get an apartment using my social and name. He did it all online. Police report made and submitted to all creditors he opened fraudulent accounts with 2 removed all fraud information from my reports. XXXX XXXX XXXX refuses to remove even after being contacted by the Sheriff 's office confirming identity theft by XXXX XXXX. XXXX XXXX produced bank statements in a lawsuit showing that he used his account to pay for the cards that he fraudulently opened in my name. IQ Data International and XXXX also refused to remove the fraud information from my credit reports trying to collect a judgment that I have no knowledge of for a property I have never lived at. I have produced the proof to them of the fraud numerous times showing XXXX XXXX and his girlfriend XXXX XXXX stole and used my personal identity information online. I have demanded prosecution of XXXX XXXX provided his addresses social and date of birth and agreed to fully cooperate in his prosecution but they reuse to do anything and refuse to remove from my credit report. I have never been served any documents for any of these creditors and they have assisted XXXX XXXX in destroying my perfect credit. I am a highly decorated XXXX XXXX and I demanding justice.
|
| 01/05/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I moved out of XXXX XXXX apartments XX/XX/XXXX. They have not contacted me in any way about owing them money. Last week I received a letter from IQ Data International claiming I owe XXXX XXXX Apartments {$890.00}. I called asking about this because I haven't been contacted by XXXX XXXX at all. The lady that answered argued with me that I did receive a letter from them so I told her to prove it since she knows that I received it. She yelled at me about arguing so I said not to contact me again. She made some threat that I didn't hear all of and I hung up. Today, XX/XX/23, they called my wife, who isn't listed on the alleged debt 4 times. They also called my sister a few times as well. My sister has absolutely nothing to do with XXXX XXXX or the lease or the debt. There is no reason for them to be harassing my sister or my wife. They called me 4 times today as well. I have no idea how they got my family 's phone numbers but this is highly inappropriate and this whole thing reeks of a scam. They didn't even send the debt letter to the right address, they sent it to my apartment at XXXX XXXX. I received the letter only because XXXX setup address forwarding with the post office. I have no evidence that I owe XXXX XXXX anything so this company needs to leave me and everyone I know alone.
|
| 01/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I was contacted by a debt collector on XX/XX/2022 by phone, and they were demanding I pay a debt for a bill from a previous apartment I lived at of {$410.00}. I told them I payed the debt and I had the receipts. I asked for a email to send the receipts to. They declined and continued to demand I pay the debt. I got in contact with the manager at the previous apartment I lived at and they submitted all the required information to the collector to say my debt was paid on XX/XX/2022. The apartment manager sent a email to them a second time after I received the call from collections in XXXX. My bank notified me that my debt was reported as delinquent or on non payment status on XX/XX/2022. I paid and I do not understand why it is hitting my credit now when the previous apartment said not to worry they would take care of it because I already paid the bill. This is adding insult to injury because I didn't think what the apartment charged me for was fair in the first place. I payed it off because I didn't want to deal with it. Please advise I don't know what to do. I have filed the complaint here and disputed the credit report through transunion. I have not reached out to the collection company since they called me demanding I pay and didn't seem interested in seeing the receipts I had.
|
| 02/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I had difficulty paying rent due to the COVID-19 pandemic. I attempted to work with my landlord but they sent my account to a debt collector without any notification.
On XX/XX/XXXX, I received calls and letters from IQ Data International, XXXX XXXX XXXX, XXXX, WA XXXX informing me of my debt.
On XX/XX/XXXX, I responded, disputing the amount of the data, and requesting documentation verifying 1 ) that IQ Data International is licensed to collect debts in Connecticut, 2 ) that IQ Data International is authorized to collect this debt, and 3 ) that I am responsible for the debt.
IQ Data International responded with a listing of my debt, which in addition to my rent included substantial additional charges. They provided no additional information. On XX/XX/XXXX, I responded, again disputing the amount of the debt and requesting documentation of license to collect debts in Connecticut and their authorization to collect this debt.
On XX/XX/XXXX, I received a letter from IQ Data International threatening that without payment they would report my debt to credit bureaus. They did not provide any of the information I requested.
On XX/XX/XXXX, I responded again, asking for the verification information. In response, they provided no further communication and reported my debt to XXXX.
|
| 09/19/2023 |
Yes |
- Debt collection
- Rental debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I moved out of a previous apartment complex on XXXX and verified with the leasing agency I did not owe any security or damage fees. Since XXXX the leasing agency has not attempted to contact me via email, phone, or mail about any outstanding debts. After receiving a call from IQ data on XXXX and being informed of an outstanding debt to this leasing agency of {$450.00} I stated I was uninformed of this and asked if I could return their call after verifying with the leasing agency. I was informed if I disconnected the phone call it would be marked as a failure to pay on my credit. I offered to provide a debit card number but requested the amount not be charged until XX/XX/ to allow reasonable time to contact the leasing agency to verify the debt. Immediately after providing my card number I was charged for the debt and told any disputes to said charge would take upwards of 5-7 days. I was given no reasonable opportunity or timeframe to verify this debt due to what appeared as a threat towards my credit score if I failed to provide payment before terminating the phone call. Afterwords I contacted the leasing agency about the matter and was told there is a possibility of a mistake and would need to wait for them to contact their accounting office to confirm or deny the debt
|
| 10/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
The debt is on my credit report and I have disputed this debt several time. I never lived at the apartment complex. I sent in information where I lived during that time; such as driver 's license and water bill. The credit bureau told me that was not the proof I needed. They said that I need some type of documentation from management. The people that owned the complex does not own it anymore. So, I called the debt collection agency and I explained to them that I did not owe that debt because I never lived there. I told the lady that was on the phone that it was identity theft and i am not going to pay that bill. She was very rude and did not want to hear anything that I had to say. So, I called a second time and I was transferred back to the lady and I asked her for documents to see what she has that I owe the debt. She said that she could not give that to me. She told me to call the police and refuse to talk with me any further. So, I wrote a letter with the consumer protection information on it telling her I would like a copy of the documentation, least agreement and any other information so I can see if I owe this debt. I also asked for their company information. The letter was sent certified on XX/XX/XXXX. They received it on XXXX XXXX. I have a copy of the letter.
|
| 10/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
The agents at IQ Data reached out to me at my place of work on Wednesday, XX/XX/2020 for a contested debt amount of XXXX, and when I told them I can not take calls from work and I need to speak to them after I get off of work, the agent repeatedly badgered me about why I wasn't able to just transfer funds. When I explained that I was the only one at work and I can not have my phone out at work, the agent stated he found it hard to believe I was the only one at my place of employment and that he doesn't understand why I won't just take care of the debt right then and there. He repeatedly raised his voice and talked over me, even though I asked multiple times to talk later since I was at work. I told him it was inappropriate to take up phone time at my job, especially when I am not to be conducting personal business at work, and that I had patients in the lobby to attend to, as I work at a chiropractor 's office. I am the only front desk and the doctor is the only other employee at this location. I eventually had to hang up as the agent refused to listen to my requests to not be called at work and continued to raise his voice and argue with me. He also asked why I had to wait until I got home to transfer the money since they close so close to the time I would get home.
|
| 01/19/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
Servicemember |
|
I've been beyond harassed by this company. The company thinks they can interrogate, make snide remarks, and even threaten us with legal action.
I'm disputing a charge from transferring from one apartment to another and when I communicated this, the women I spoke to treated me like an XXXX and declined to send over confirmation for the legitimacy of the debt She kept asking me about payment when I told her from the start that I am disputing the charge.
I can not take any more harassment from the company representatives continuously calling me before 8am on my work phone without any regard.
IQ DATA INTERNATIONAL customer service seems to forget what is going on in the world to belittle people who try to go by life day by day and make it through the hardships of a pandemic, they continue to add fraudulent interest charges on a collection amount that isn't valid, to begin with.
This company is hounding me and making me feel guilty and scared that if I don't pay them they will cause havoc in my life for a debt that's not Valid.
There are over 250+ lawsuits against this company and I've contacted them multiple time regarding an old lease. Each representative I spoke with gave me a completely different amount due and they do not follow fair collection practices
|
| 11/27/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XX/XX/2023 ( with XX/XX/XXXX XXXX stamped date ) the I.Q. International Data Inc., a third-party debt collection agency hired by Residences at XXXX XXXX XXXX XXXX validated '' debt : Stated the principal Due : {$4300.00} ( including notice fee ) + Interest Due : & XXXX in a total of {$5200.00}. XX/XX/2023, I have responded to I.Q. Data International , Inc. to dispute the amount owed. I have noticed them that the apartment agreed to early termination because I have surrendered the apartment to avoid non-paying rent and eviction a few month before the lease end and I have lived there over a year. The property management company said they would refund my deposit but they never did. The Residences at XXXX XXXX has been sued many times due to their poor management.
The principal due they were trying to correct was higher than numbers of month x rental cost and the owed deposit was not included in the balance. It took them XXXX years later to notify about this debt and increasing the interest amount every XXXX days. They have never provided any detail document or original agreement but a few lines : principal due, interest dues and total amount due.
With a few more attempts asking for original proof/document, I have not heard back from them since XX/XX/2023.
|
| 03/23/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
IQ data international , inc filed a collection that I am not responsible for. Additionally, I do not know what apartment the collection is for as I rented two and the dispute is attached to neither apartments. I did not receive any communication other than the collection was a cleaning fee after it hit my credit. No one gave me time or the opportunity to settle this prior to collections. They say it was for a XXXX bedroom carpet cleaning fee and then changed the dispute for the laundry room. The XXXX bedroom did not have a laundry room. The XXXX bedroom was left in excellent condition. The XXXX bedroom carpet was due for a replacement to hard flooring as I had lived there over 6 years. I was given the opportunity to take the new flooring or to wait to have it installed after I moved out. Management said they change the flooring every 5 years. Since the carpet was to be replaced in the XXXX bedroom to hard flooring it makes no sense to charge a carpet cleaning fee. The laundry room damage was from the upstairs apartment washer which flooded twice. I do not know what apartment this debt is for and no one will tell me. I can not attach any files because I have not received anything that informs me exactly what the debt is for or what apartment it is for.
|
| 12/21/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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We had a lease at an apartment complex but my husband lost his job and was forced to take a job in another state. We could not afford the lease. We never missed a monthly payment with the Apartment complex and notified them when we paid the rent for the month that we were forced to move and that we had to break our lease. We under stood there would be a penalty at the beginning of the following month for doing this. We were in contact with the leasing agency, we cleaned the apartment and allowed them to rent it out immediately after we left so the apartment never sat empty and was paid for every month we were there. We expected to lose our deposit and were prepared to pay a fine. However, years later we noticed that there is a collection for over XXXX dollars on my credit report. We have tried contacting the company to find out what it was for. Have never gotten a true breakdown but this is not owed to this extent. We would like help getting it removed considering the complex actually made more money by leasing out the apartment with no " sitting vacant down time '' because we communicated and paid them every month and they kept our deposit. please help us. We have tried to get it removed and even tried negotiating with the company nut had no success.
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| 06/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On XX/XX/XXXX, I sent XXXX a followup letter regarding an alleged debt collection on my credit report by the company " I Q Data International INC account # XXXX '' which I have also reached out too. The company has FAILED to verify the debt with ( original signature ). The company sent me a letter that ONLY addresses the alleged debt but NOT the original leasing agreement with my alleged signature. This debt does NOT belong to me. It has now been over 30 days since the original dispute on XX/XX/XXXX that has not been addressed neither by the credit bureau XXXX, XXXX nor the creditor, I Q Data International. They are ALL in violation of my rights under the " Fair Credit Act '', for not producing verification documents of this alleged debt on my credit report that is affecting my credit scores and ability to obtain credit. I demand that they immediately remove this debt upon receipt of this notice. Further more, I will submit a complaint here with ALL companies involved including XXXX, XXXX and the creditor, I Q Data International, for their failure to provide proof of debt with original documentation for the alleged collection account on my credit report. Please see to it, that this time is removed immediately off my credit reports, XXXX and XXXX.
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| 06/23/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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In XXXX of XXXX, I moved out of a rental. In XXXX of XXXX the past due rent amount was submitted to a collection agency called IQ Data. I reached out the IQ Data 's office and was instantly met with a contentious and extremely aggressive agent by the name of XXXX who claimed she was the manager and there was no one above her who could assist me. From the very start she was unwilling to listen to any of my concerns as the amount being requested was incorrect. I dealt with the rude comments and unprofessional behavior that she exhibited as I was fixing my credit to purchase a home. Nonetheless, I tried to work with her as well as hiring a attorney from a debt resolution company and they were met with the same difficulty. The collection account was already reporting on my credit report. On XX/XX/XXXX, IQ Data decided to add the exact same collection account to all three bureaus as a new collection account. I filled a dispute with bureaus and the debt was validated as correct. This is NOT correct information. I am in a position that there is nothing that I can do. She has completely destroyed everything that I have worked hard to fix with one key stroke of the key board and now I am unable to purchase a home because of her tactics and illegal reporting.
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| 12/30/2020 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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I Received a call today from a company from he name of IQ Data, they explained it was a debt for an apartment from earlier this year. I explained that i summitted a written dispute months ago and haven't heard anything until today. I wrote a letter disputing the charges, the representative instantly said they never received a letter from me and there was noting i could do, if i didnt pay the full amount of {$2000.00} today he would report to my credit. I tried explaining that the reason for me moving was due to XXXX, being laid off and not having a socuce of income. The representative XXXX said that wasn't his problem and its no excuse nnot to pay. I never refused to pay i just wanted to dispute the additional changes. The representative began to raise his voice saying i shouldn't have moved if i couldn't afford it, he then went on to say hes been in the field 15 years and they are not going to reduce the fees. I asked to speak with a supervisor he placed me on hold XXXX hung up also laughing while doing so. I called back right away only to speak to a supervisor who didnt care and as far as his employee he said he would look into it. Ive recievd multiple calls before im even up XXXX. With everything going on no one deserves to be treated this way.
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| 08/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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I have tried to dispute with IQ Data regarding my ownership of the XXXX account ( now showing I owe {$1100.00} ) several times. I was not made aware of this account by the landlord and did not receive anything in the mail letting me know anything would be escalating to collections in 3 years before this showed up on my credit. I never received an itemized statement of my charges- or photos showing proof of any damages along with the itemized statement that never came. When I reported to XXXX for the second time to get this removed from my report, the charges were dropped off- but then appeared again and with a different amount. Every so often a XXXX or so gets added to my charges for XXXX ( and IQ data is overseeing my collection for another property which is interesting ) so they can keep adding to my report. They are also not doing their due diligence to follow up with the other person who is supposed to be on the joint account and only contacting me during my work hours. They have removed this account from the other person who had JOINT responsibility, but not from my credit. This needs to be removed. There is no proof of charges, there was no contact made so I could dispute before this hit my credit, and now they are not reporting accurately.
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| 08/18/2021 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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I received a phone call on XX/XX/17 at XXXX XXXX EST from XXXX. The person identified themselves as XXXX and they were calling from IQ Data International. XXXX did not read me my Miranda Rights nor inform me the call was being records so I was oblivious to the nature of the call. When I began questioning what the call was in regards to, XXXX was short with me, cut me off, spoke over me and had a hard time answering simple questions. Again, had my Miranda Rights been read, I would've believed the validity of the call and understood it was a collection 's call. When I began explaining I needed to first verify his claims, XXXX was aggressive and engaged in predatory collection 's tactics. In an attempt to convince me he was legitimate, he read aloud the last 4 numbers of my SSN - anyone sitting near him could've heard this information. When I later called back the company, the agent who answered refused to transfer me to a XXXX and would only connect me with XXXX, despite my explicit request to speak to anyone besides XXXX. This company has representatives actively engaging in predatory collection tactics, but who are also unable to remember something as simple as reading Miranda Rights and informing a VA caller that they are on a recorded line.
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| 09/04/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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After reviewing my credit profile I noticed a collection from IQ Data Int. They are collecting a debt for XXXX XXXX. per Account # XXXX I disputed this with XXXX and XXXX and I have not received a response from these two major bureaus. I sent a certified letter to IQ Data International per US Mail XXXX XXXX XXXX XXXX XXXX and it was returned as undeliverable. On XX/XX/2020, I contacted the company and spoke with XXXX. I explained to XXXX that they are reporting a debt I do not owe. I told her I don't no own a home or have never rented an apartment with XXXX XXXX. I asked her if she could provide me documentation of the debt which she refused. She told me to speak with XXXX the compliance manager. Over the next several days I can not get anyone to give me the information I requested. And I'm not sure if this XXXX guy exists. My research online shows thousands of complaints with this company over the same issues I'm having. I do not owe them over XXXX and this is affecting my credit scores. I never lived in the state of Georgia and I do not own a home. This is false and deceptive reporting. Please provide me with all the documentation you have with my signature proving I owe this debt. If no proof can be provide, delete this from my account.
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| 04/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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Since XX/XX/XXXX I have been working on getting my credit in great standing to buy a house. In this time I have been strictly repairing my credit. With verification letters being sent out first. I have yet to receive any information or updated status on this account. Status dates have not change since 2019 on this account which means the account was not investigated but said to have been verified and continues to report on XXXX and XXXX. I.Q. Data International Inc. hasnt responded to the dispute and failed to launch an investigation into this account within 30 days which is required by the Fair Credit Reporting Act Section 611. XXXX and XXXX are reporting different information, one shows the account has been sold to IQ Data and another shows its has not been sold. In one of the attached photos you will see That Monarch is reporting as the collection and original creditor with no consumer dispute added, which means no investigation has been done and multiple violations of the FCRA. I am requesting that this inaccurate information be deleted from my credit file immediately. I.Q. Data International Inc. has violated federal laws and continue to report negative information on my file without launching an investigation that is required by law.
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| 04/24/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX XXXX XXXXXXXX XXXX, XXXX I.Q. DATA INTERNATIONAL , INC, Account Number XXXX, has violated my rights. 15 U.S.C 1681 section 602 A.
States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Not only was the debt incorrect, but we resolved this issue in XXXX, per the Covid Guidelines. I had no knowledge of this debt until I appeared on my credit report XXXX. Once I disputed it I received a letter from company stating it will stay disputed.
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| 05/17/2021 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I used to live at XXXX XXXX apartments. I had to leave because they refused to fix the poor water issues, the ants, mice problems, and AC/heater issues. I had always paid my rent on time. I had XXXX children living with me at the time and I had to leave every morning for about 7 weeks to get them showered and ready at a different home. I had complained several times and no one did anything. I ended up leaving on XX/XX/XXXX of 2018 and i went elsewhere, because i needed my home to be a safe place for my children. I knew about the breaking of the lease, and the cost of {$1800.00} dollars. I left and the credit collectors kept calling and calling. I did try and work out something with them and they wouldnt hear anything i had to say. I tried payments and even tried to settle, but they said they do not settle and i owe them. I do not feel like i need to pay for this especially when they didnt keep to their end of the lease. Now the cost is over {$2600.00} dollar and i refuse to pay them. Plus i am taking a hit on my credit and that makes me even more furious because now i am having a hard time renting.
I feel like i was wronged and i do have others that were in the same boat, but they also left. The rodent issues were all over the place.
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| 05/02/2023 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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After a phone conversation, with IQ DATA International on or about XX/XX/XXXX, I mailed them a letter stating I disputed the debt and asked for debt validation. As a consumer, I have the right to request proof of validation of the debt and IQ Data should have provided me with the original debt or proof of debt and debtor 's name and address. They DID NOT! In my letter, I kindly informed IQ Data that pursuant to FDCPA that I was disputing the debt, and debt collection should stop until the original debt could be validated. Further, I requested that they do not attempt to contact me by phone but in writing again they violated my consumer rights because XXXX XXXX XXXX from their office called on XX/XX/XXXX and left a message on my cell phone. I demand that IQ Data International immediately stop collection actions and withdraw its negative reporting statement. I also demand that they only correspond to me in writing. IQ Data threatened to report this debt to the credit bureaus on the first call I had with XXXX XXXX and before validating the debt. IQ Data reported negative data on me to all 3 credit bureaus on XX/XX/XXXX, and after I disputed the debt. They did not give me proper due process. I am requesting an immediate resolution.
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| 08/19/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Also, please see attached on IQ Data response to the dispute we sent out. They have included only a summary of charges. This is NOT sufficient proof.
I have included a copy of an email to XXXX 30 days prior to moving out requesting a call back, and confirming I would not be renewing my lease. The reason I am adamant on disputing this is because of the following.
1 ) I did due diligence trying to turn in a formal notice to the office. I went by the apartment office three separate times during normal business hours and they were closed.
2 ) I left several voicemail messages asking for a call back. I never heard from anyone.
3 ) I sent an email 30 days prior to my lease expiring stating that I would not be renewing and that I needed a call back to know what my proration would be for XXXX. Again, no response.
4 ) I professionally cleaned the apartment and dropped the keys off in the drop box prior to my lease expiring.
5 ) I spoke with the maintenance manager and he told me that XXXX XXXX were undergoing major changes and complete staff turnover was happening. This must be accurate as they no longer are called XXXX. New signage indicates its now called XXXX XXXX.
This proof sent by IQ data is nothing but an invoice.
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| 06/24/2022 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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IQ Data International has called my husband multiple times including at his place of work during business hours to discuss collecting a debt that we have already explained is not valid and is being disputed. The collector ( s ) on the phone where disrespectful, aggressive, and threatened to continue to call back. The collector ( s ) have not respected our request to not call back and not call us at work. The so called " debt '' in question is being disputed as the amount is not accurate, and the business ( XXXX XXXX XXXX ) was reported to the XXXX ( XXXX CASE # : XXXX ) due to their unethical and irresponsible practices. We have tried to resolve directly with the business since day one but the business has been unresponsive and wont hear our dispute which we have provided evidence for in writing. The " debt '' was sold within 2 weeks to a collection agency and none of our emails or communications where responded to. The collection agency has not validated the " debt '' or the amount. We have not received anything in writing from anybody at this point. Both my husband and I have exceptional credit scores and an excellent credit history, and always pay what we owe on time. This debt is not valid and needs to be resolved.
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| 03/16/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I recently lived in an apartment complex where Id signed a 6 month lease. I paid all 6 months up front. At the end of my lease I turned in the keys and moved out and all was well. A month after moving out I received a letter from IQ Data international saying I owed the apartment complex money. The letter from IQ said to write them in 30 days to dispute the debt and request validation. I did just that and sent them mail overnight to ensure it got there before the 30 day mark. A month went by and I never heard from them. All of a sudden I get a notice that a collection had been added to my credit report. It was from IQ data international. I wrote them again and called them asking for validation of the debt. Over the phone they told me they dont send anything in the mail, despite the fact that I got their contact info from something they sent me in the mail. I asked both over the phone and once again in writing for a validation of the debt and they have still not provided that information to me. I have disputed it with the credit bureaus and they seem to have no trouble communicating with them, but they have made no effort to try to validate this debt with me or allow me to dispute it or verify it.
This is against the law.
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| 05/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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I have reached out to XXXX via mail dispute in XXXXXXXX XXXX XXXXXXXX in regards to an account that was incorrectly reporting on my credit report. On XX/XX/2021 XXXX Sent me a letter in regards to the dispute and gave me false information that the account in question was not reporting on my credit, but in fact is reporting on my credit, and is not allowing me to get an apartment because of this. The company IQ Data International. This debt has gotten removed from XXXX and XXXX but XXXX have been giving issues with this for the last year.
This company has reached out to me multiple times via mail and phone after I asked for a proof of debt, and every time the company would say I simply owe the debt with no proof. I kept trying to tell the company that this debt was paid when I moved out of this apartment over 5 years ago.
Also the company has been adding on interest to the debt that I never agreed to in the original contract. This debt is not a credit card, this company has no right to claim interest on a debt involving tenant bonds. Every-time I ask for a print out of the interest the company states its apart of the policy. They are misrepresented the debt on my credit report which is direct violation of the FDCPA.
|
| 06/30/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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I tried to set up a payment arrangement for a XXXX debt.
IQ data states that they don't own the debt and XXXX is their client.
I called XXXX and they told me that they do not manage the property anymore and any debt more than XXXX years old is typically a write-off.
I have tried to make arrangements with IQ Data and even set up an arrangement.
I called them a week before extraction and stated that I will not be able to make the full payment because of circumstances and to cancel the autopayment because it will decline. I spoke to a Manager with that request and she literally called me a liar and told me to borrow money that I am not responsible and that I do have the money. My conversation with her made me extremely emotional and upset, she was verbally abusive, and it's unacceptable. A gentleman called me today to advise that the payment did not go threw and I told him under new circumstances I only have {$1000.00} to pay on this debt and nothing else. He also called me a liar and was verbally abusive.
Not sure why we allow people to talk to others this way. I work in collections and would never ever verbally abuse someone if they owe money. You have to maintain dignity and respect for others.
Please help
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| 02/11/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
|
In or around XXXX XXXX XXXX I received a bill for moving out of a apartment unit in XXXX XXXX, California for around XXXX from a debt company and among the charges was I think around {$800.00} or more for new carpet through out the unit. I had only lived in the unit for about 8 months, so I contacted the collection company by phone and email and disputed the charges and filed a complaint with the California Attorney Generals office against the collection company because they were pretty rude. I also contacted the lard lord and disputed the charges and sent them a letter stating that. As of this date I have not heard from the land lord corporate office regarding the disputed charges. It is my understanding that there is some amount of time period allowed when a debt is disputed with a collection company and the debt company must provide verification of disputed amount. I have not heard from this in any written form since I disputed the amount. I have attached a copy of the letter I wrote to the collection company and the land lord disputing the amount. The last thing I heard from the land lord was that they were sending my concerns to the corporate office. Which I attached a copy of the response form XX/XX/2020.
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| 12/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
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Today, XX/XX/XXXX, I reached out to IQ data collections. I first spoke with a representative whose name was XXXX. I asked him what options I had to settle the debt and if the amount that XXXX gave me of {$1300.00} on XX/XX/XXXX was still on the table. He was extremely disrespectful and told me that I need to just pay my full balance, something I should have done a year ago. Also, he threatened that he would make sure I didnt get another settlement and made it clear that he didnt care. I was extremely hurt, frustrated and embarrassed and asked to speak with his supervisor. He transferred me to another senior representative named XXXX who was even more disrespectful and was not a supervisor. When I asked him if he could listen to the call to address how rude the representative was he literally disregarded what I said and asked for my payment information. After insisting that I paid now, I asked again to speak to a supervisor in disbelief. Lastly, I was transferred to XXXX XXXX who says that he is a supervisor. He answered the phone immediately speaking over me stating that he understands why his representatives spoke to me disrespectfully and how its not their fault that Im in debt. He then disconnected the call.
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| 04/03/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
On XX/XX/2021, IQ Data agreed to work out a payment plan and accepted {$110.00}. The next day the company then proceed to take an additional {$110.00}. Did not think of twice, I presumed it was an error but ultimately it was still taken out of my account. A week later I received orders to go to basic combat training for the XXXX XXXX. A couple of weeks later after the first payment made, I called the collection company and informed them that I wont be able to pay the full amount and asked if I could just make a payment plan because I wouldn't be able to communicate with my bank due to phone restrictions in basic training and then I was verbally assaulted, the man proceeded to making rude comments and yelling at me, and refused my request. However, on XXXX XXXX on 3 separate occasions, XXXX, XXXX and and XXXX on XX/XX/2021, they tried to charge my card {$4700.00} after telling them I was unable to do so due to my limitations and then telling them I do not authorize them charge the full amount on my card. They then proceeded to keep attempting to charge my account on 6 different days ; XX/XX/2021 at XXXX, XX/XX/2021 at XXXX, XX/XX/2021 at XXXX, XX/XX/2021 at XXXX, XX/XX/2021 at XXXX, and XXXX XXXX XXXX at XXXX.
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| 02/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Hello, There's a collection company called IQ DATA that has been contacting me via telephone about a debt I have no knowledge of. The first phone call was around XX/XX/2021 in which I explained to the representative that I've never had an account with their so called client ( XXXX XXXX XXXX ) which is the original creditor. They asked me if I ever lived at the address where the account was originated in which I told them " NO ''. I recently seen that IQ DATA is reporting that I owe this debt of {$140.00} to the credit bureaus XXXX XXXX XXXX. I sent IQ DATA a letter asking them to send me a description of the services and charges or anything that proves this account belongs to me and they responded with a letter stating I need to send a police report claiming identity theft, a government ID & proof of residency. I do not want to send personal information to this company, I never filed identity theft because they never sent any validation of my social security number or birthday being used, there's hundreds of XXXX XXXX and they have the wrong one. I do not owe any monies to IQ DATA or XXXX XXXX XXXX. and I would like for IQ DATA to remove this inaccurate account from their records as well as my credit report.
|
| 03/26/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I lived at an apartment complex and was transferred for my job. I notified palm apartment via email according to the contract if I proved it was for work there wouldnt an issue this was over three years ago. They said I broke the contract and said there were damages in the apartment which there were not. I advised the palm apartments that we would take this to litigation because their information was incorrect and they were just trying to get money. Never heard anything from them. Then in XXXX of XXXX a company called Iq Data international put a negative report on my credit for {$3800.00}. Palm Apartment was advised of the move via email and the charges were not legit. I have asked for sign contracts and my emails of the move and no response. The information that Iq Data International has place on my account in incorrect, they said it started in XX/XX/2023 when in fact it is over XXXX years old and no litigation was filed to prove I owed anything.
The false information and incorrect information they placed is effecting me from purchasing a house and giving me a low credit score. This company has had many issues and complaints why does the government let a company like this continue to XXXX people and lie.
|
| 02/19/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
IQ Data got my debt back in XX/XX/XXXX when the pandemic started. I set up a payment plan for {$200.00} a month we were to continue that then about XXXX they stoped taking it. The called me a couple months later to collect the remaining valence and I told XXXX XXXX the guy handling my debt he cursed and yelled at me when I told him I could not do the full but could continue the payment plan he cursed and yelled at me more and hung up. I couldnt contact them because I didnt get a letter with their info and they call me from a face number. Now today XX/XX/XXXX he got mad and yelled and cursed that I had to go get a loan to pay off the remaining balance I told him no and he continue to get mad and I got mad and started yelling and cursed back at him because he was trying to use scare tactics and strong hand me into doing something that would put me in more debt to pay this debt. I got to a supervisor named XXXX and he started to do the same thing and wouldnt work with me to make more payments or anything. He then told me he was done talking and hes putting in his. Notes that I am unwilling to pay and putting the debt into default and no long be able to take the debt off the record once it gets paid in full.
|
| 05/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
I terminated a lease with an apartment company " XXXX XXXX XXXX' due to medical reasons following the guidelines of Nevada Revised Statute 118A.340 " Right of Tenant or Cotenant to Terminate Lease Due to Physical or Mental Disabilities or Death. I notified the apartment management company on XX/XX/XXXX, with a termination date of XX/XX/XXXX. I received no reply to this notice and continued with the move-out. On or about XX/XX/XXXX, I received a notice of collection from IQ Data Internation , Inc. at XXXX XXXX XXXX, XXXX, WA XXXX.
On XX/XX/XXXX, I notified IQ Data Internation , Inc. via letter that the debt they were attempting to collect was erroneously transferred to them by " XXXX XXXX XXXX '' as per State statute my lease contract with " XXXX XXXX XXXX' was legally terminated thus I did not own and monies to " XXXX XXXX XXXX'.
As requested, I received no response from IQ Data Internation , Inc., and noticed a " DebtCollection '' entry on my XXXX Credit FReporton or about XX/XX/XXXX. I again responded to IQ Data International , Inc. requesting a favorable resolution to the credit report entry. To date, I have received NO correspondence from IQ Data International , Inc in regard to my requests.
|
| 07/23/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I contacted the collection agency XXXX XXXX on XX/XX/2021 in attempt to resolve my debt from my old apartment and was disrespected by the agent. I paid {$500.00} towards by balance which was suppose to be for {$1400.00}. I explained I was behind with everything due to a recent loss in my family and me not working for almost a whole year due to COVID. The operator/agent responded to me saying well I should have taken care of my responsibilities and said if I didnt pay there would be consequences if the balance was not paid by the end of the month. Im taking steps to cover my debt I owe while also being talked to like Im nothing .. Despite the set back I was having I called and paid what I could and advised I would follow up in about a month in attempt to put more money towards my balance. However, I was unable to pay the remaining balance of {$910.00} due to unforeseen circumstances. I then receive a debt collection on my report XX/XX/2021 stating I owed {$2400.00}. This is unacceptable for me to pay the company and they act like they never received the money and they added charges. They received emails confirming the right amount which I have documents of and proof of the last payment on XX/XX/XXXX.
|
| 08/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
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Web |
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I have contacted XXXXXXXX XXXX XXXXXXXX over 5 times concerning a bill sent to a third party I.Q International , Inc for {$1600.00}. I have left 2 messages with Mr. XXXX concerning this matter in which he states the Assistant manager has to go over this information. I called a 3rd time and the assistant manager answered and said she would call back to go over this invoice. This was over 3 weeks ago and still no return call after multiple messages. I called a week later and left a voicemail and no return call. I called a 5th time XX/XX/XXXX and was informed by Mr. XXXX that the assistant manager stated she would call back and I still have not received a call back. When contacting I.Q Data I was told I had to speak with XXXX XXXX XXXXXXXX because they do not know what the break down of charges are. Since then I have call them several times to try to inform them that I am getting no where with XXXX XXXX XXXXXXXX however ; I can not get anyone on the phone anymore after several attempts on different days at different time. I was informed I would get a bill sent to the forwarding address I gave before my departure and I never received this. I do not know what these charges are to total {$1600.00}
|
| 04/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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We recently moved out of an apartment on XX/XX/2023, prior to that we had submitted all final payments and were notified by the apartments we were all set and nothing else was owed. I did not give the apartment our current address and had the mail forwarded elsewhere, so I am uncertain how my current address was obtained. On XX/XX/2023 I received a letter from I.Q. Data International , Inc. is trying to collect a debt I owe of {$550.00} to the apartment. I sent a letter back on XX/XX/2023 requesting information from the debt collector on what this debt is, the itemized receipt, how and why this was sent, and how come the other people residing in the apartment did not receive this letter as well. I have not heard back from them until XX/XX/2023 when they sent another letter with interest added of {$2.00} to the original debt. I arrived at the apartments today, XX/XX/2023, and was given a ledger of our account prior to moving out that reflects a balance of {$0.00} owed as of XX/XX/2023. I have not heard back from these so-called debt collectors and the {$550.00} is nowhere listed in the apartments system that I saw. I can attach all necessary documentation showing I do not owe this amount.
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| 05/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
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Web |
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Our lease with the XXXX a XXXX XXXX property ended on XX/XX/XXXX. We paid our rent through the month in full. We received a move out statement indicating that we were responsible for XX/XX/XXXX rent, which was incorrect. It took several calls to get a corrected move out statement sent showing we owed no balance and we were issued a check for the return of our deposit. Two weeks later we started receiving non stop phone calls from a collection agency IQ Data. We let them know it was incorrect and asked to stop the calls. They refused and in addition to the harassing phone calls, started sending letters. I submitted a dispute in writing by mail and email, still continuing collection efforts. I have reached out to the XXXX and XXXX and been told we have a XXXX balance and this will be corrected, it hasnt been and on XX/XX/XXXX IQ Data turned the collection account to the credit reporting agencies. I have called IQ Data, XXXX XXXXnd XXXX as well as sent several communications in writing and even filed a dispute with all XXXX credit agencies and XXXX, the first to respond did nothing, made no updates or corrections. I have no idea where to turn, no one will help us correct their mistake.
|
| 02/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Subleased an apartment according to how the leasing office instructed me. The apartment is now claiming that even after I left I owe them even though I did not live there. Tennant left in an improper way. Apartment tried to settle with tenant, tenant said they got a lawyer and that they were not responsible. Apartment said they tried to contact me but I did not know about it until 6 months later after it was already in collections. I do not owe this debt. I have asked for paperwork. I have asked for the entire leasing document and have not received it. Lease is missing the " room mate release and room mate addition form which both parties signed to enable the sublet. Lease packet is missing the mold remediation and lead paint document. I have asked repeatedly for the complete documents and they said " this is all they have. '' I do not have the complete packet and they will not share it. I was also charged for " painting an improper color '' which I did not. The color they are talking about was offered to me as a " thank you '' for signing another lease prior to me leaving when I bought a house 8 months later. I had an option of blinds or painting an accent wall. I chose the paint.
|
| 03/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
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Web |
|
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Received a phone call on XX/XX/2021 called refused to use identify themselves until I stated my name. Once I validated my name they continued and claimed to be from a bill collecting agency and was calling in regards to an old balance from a past rental company for {$2200.00} and that if anyone else was in the room the call would be ended for security purposes. I informed them my funds come from my work and I would have to wait for each paycheck through the month of XXXX to pay the whole bill. That was unacceptable so I agreed to pay XXXX on XX/XX/2021. After that amount was transferred we agreed on XX/XX/2021 for the remaining amount to be processed. Due to lack of funds it bounced and I received a phone call on XX/XX/2021 and while I was trying to calmly and politely explain the situation and give a definite date for the payment I was yelled at and my credit threatened then at their mercy I was transferred to another person and told to get a payday loan. XXXX when I had called them upon their answer laughing was heard and thereby breaching the security and legitimacy of the company claims.
*I have never received a letter claiming the outstanding bill or services are legitimate.
|
| 06/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
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Web |
Servicemember |
|
Attempting to collect a debt that is in dispute with original debtor. No correspondence from original apartment complex concerning my issues of collecting double rent and notice to vacate while on a month to month that was expiring yet sent it to collection agency 1 year later after not responding to my concerns ( see attachments ). Was not provided an itemized statement after vacating the apartment within 14 days of charges only received a phone call from apartment collections department in which I asked for an itemized statement and was not provided one. We ( there is a cosigner and myself ) received notice from the collection agency on XXXX XXXX stating the debt. A certified return receipt letter was submitted on our behalf on XX/XX/2021 ( see receipts ) We have not received signed return receipts to date but have tracked letter and it was picked up from the post office XXXX XXXX ( see attachment ). It has been 30 days with no communication from the collection agency. They failed to respond within 30 days of the actual investigation, outcome and validity of debt. They have also reported to all major credit bureaus erroneous debt which has affected my ( our ) credit ratings.
|
| 10/05/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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I.Q. Data International has been attempting to collect a debt in the State of New York, which they are not licensed in that state. When I asked for their registration, they refused to supply it despite them stating they are licensed/registered. Upon checking with The State of New York, it does not show anything for them. Furthermore, I have paid them thousands of dollars and they continue to add and accrue interest to the debt despite the fact they will not provide the agreement from the original company, which would allow them to do this. It is come to my understanding, in accordance with State and Federal laws they can not add interest to a debt unless it was stated in the original agreement. Furthermore, they can not attempt to collect a debt in the State of New York unless they are licensed/registered. The account representative, XXXX XXXX, advised me they do not have to provide any documentation or validation pertaining to the debt they are collecting. It is my understanding, it is my right as a consumer to request and obtain proper documentation from the debt collector to not only ensure the debt is mine but more, so they are attempting to collect the proper amount.
|
| 06/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Everytime I called about payment of a debt that was outsourced to them they were rude, they practice illegal/abusive acts and tactics to attempt to collect debts, so we paid the creditor ( XXXX XXXX ) directly. After paying the creditor we were told by reps from this company that they would not remove. The creditor already assured us that this agency is a 3rd party and they are contracted by the creditor. The creditor informed us that it would be removed. I spoke to 3 reps all who refused to transfer me to a supervisor and were speaking to me in condescending manners/tones also all stating that it would not be removed. I informed each rep that I would contact the CFPB and each time I was responded to with a laugh. Also, I spoke to the creditor who informed me that she spoke to this company directly AGAIN and told them to remove it from our reports.I reported this to you guys and they closed it stating that the client said debt was owed which is a lie. Ive enclosed my proof of payment. This company needs to be looked into. The XXXX and XXXX I have received from them is unheard of. Literally stressed me out and caused me anxiety. Rude and unprofessional to say the least.
|
| 08/21/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
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I contacted the collection agency to obtain a settlement offer. The representative told me that I need to provide my income in order to determine if I qualified for a hardship settlement. I provided the representative with my income, and he asked me what my car payments behind, and I communicated to him that it was not. He told me that it was no way possible for me to bring in the income that I communicated, and that they would not be able to work with me. I explain to him that I had money in my savings account to help me with my bills. I also communicated to him that I do contract work, which means that my income varies based on the amount of clients that I see. He told me that they could only offer me 10 % as a settlement and that if I called back they would not offer me a settlement offer and this will report negatively on my credit.
He told me that they could only offer me 10 % as a settlement and that if I called back they would not offer me a settlement offer and this will report negatively on my credit.
I filed a complaint with their compliance department on the website, and no one has followed up related to the improper treatment from the representative.
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| 12/14/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The apartments management changed and ownership changed several times.
They would send out letters stating this.
This caused a lot of missed communication.
We then spoke with a lady name XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) who worked in the business office. We did a mutual Agreement. Because of the inconsistency with fixing things and not being able to tell us what the xtra fees on our rent bill was.
No eviction was filed.
We also have a letter stating the balance we owe. It says XXXX.
We reached out to the apartments for several months, they told us its in collection We then reach out to the collection agency.
The balance on my credit profile was XXXX I called and spoke and asked for a payment plan. They said no. Pay in full.
Then about 2 days later the amount went up to XXXX they added XXXX.
We called again asked why did the amount get raised? After the phone call. They raised the balance to XXXX dollars..
My lawyer has reached out numberous times.
No response..
This is ruining my life. Ive had to stay with family, not able to get a place of my own. I have two small children. I want to pay this off. But only the official amount.
|
| 10/27/2023 |
Yes |
- Debt collection
- Rental debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
Servicemember |
|
I have only recently discovered that a debt collection agency has submitted a report against me. I have NEVER received anything in the mail from IQ DATA INT'L INC XXXX
Approximately 6 months after I moved out of my apartment, I received a letter from a different agency. I called this agency and not only did this agency determine that I did not owe XXXX XXXX any money, but they owed me approximately {$200.00} left over from my deposit. The gentlemen I spoke with assured me that this would be corrected and the collection would be canceled.
Approximately 6 months later, a different collection agency which I presume was IQ Data ( I do not recall the name ) called me and once again stated that I owed XXXX XXXX money. I explained that I had already addressed this issue with a different company and would not be making any payment to them. They continued to call and harass me, and I continued to tell them that I would not be making any payments to them. I also asked them to send me the bill if I supposedly owed them money which they never did.
To this day, I have still not received any documentation from IQ Data. Please assist in anyway that you can.
Thank you.
|
| 09/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
Servicemember |
|
Unknown number called me, only kept asking if this was " XXXX ''. I asked who was calling 3-5 times before the agent reluctantly disclosed who he worked for and that he was a client of a third party. He refused to provide details on why I was being called, what his position in the company was, and repeatedly threatened me with an array of actions he would use against me. The agent continuously interrupted me never answering my questions, but insisting I legally have to answer his questions. He accused me of : fraud, misrepresentation, breach of contract, and that I and my character are of very poor quality ( to put it nicely ). My XXXX driver heard everything and even told me that he was harassing me with that call, someone with no interest in my affairs was worried about the conduct of the agent raises a number of red flags. The agent works for I.Q. Data International. Finally, he repeatedly tried to coerce me by threat of harm to pay him today or else I would face the threatened consequences. His demeanor was angry throughout the whole call. It is recorded. I am fearful for my well-being and financial status at the whims of a rogue collection agent.
|
| 01/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I attempted to initiate contact with this company IQ Data International on XX/XX/2021. I had just settled another debt and finished making payments, so I called this company to set up a payment arrangement. They stated they do not do that, and my only option was to pay within 5 days, or they will cause harm to my credit. I then offered to make 50 % of the debt arrangement on a date in XXXX that worked with my payment schedule, as well as my other bills, and finish paying the other 50 % in XXXX on the exact same day. Instead the company stated that I MUST call family to borrow the money, which is not an option, or that I MUST take out a loan with very high interest to pay off this debt ( which I can not afford any additional interest as I am on a fixed income ), or finally, they told me that I need to skip buying groceries to feed my family in order to pay the debt. Mind you, this debt has existed on my credit report for a year, I was calling to come to a resolution and get it settled within the next few months. It was all or nothing and ultimatums given to stop feeding my family, or stop paying for a roof over our heads to accommodate their demands.
|
| 12/01/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
A third party debt collector, IQ Data, was contracted by my old apartment complex, XXXX XXXX XXXX XXXX XXXX XXXX, to collect a valid debt. I already paid the debt, directly to XXXX XXXX XXXX, and informed the caller of this. She demanded proof, and I said I'd be happy to forward a copy of the front and back of the check which was deposited by XXXX XXXX XXXX. She insisted that proof would not be sufficient. She demanded my complete bank account statement. I told her no, she couldn't have my bank statement, but could have a copy of the front and back of the statement. She then proceeded to insult me, call me " irresponsible '' and a " deadbeat '' ( bear in mind this is *after* I told her I'd paid the debt ). I ignored the insults, and asked her what proof would be sufficient. She again repeated that only a complete bank account would suffice. I told her, again, that I don't send my bank account to strangers, so surely there must be some other way of proving that the debt is paid, in addition to the aforementioned canceled check. She went ballistic, started screaming, continued insulting me, and I disconnected the call. This happened XX/XX/2020, at XXXX.
|
| 11/01/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXX XXXX XXXX XXXX SSN : XXXX IQ Data International Report Number : XXXX To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. I reached out and requested proof of original ownership, my signature, and a license to collect in my state. I also contacted the original debt collector who stated everything was destroyed XXXX years ago and they are not obligated to keep anything past XXXX years. The following alleged collection account is listed as having a PAST DUE BALANCE of {$1300.00}.
This is a violation of the FCRA and is in violation of requisite XXXX Complaint reporting standards.
According to Fair Credit Reporting Act I have the right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable, and accurate.
Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion.
Sincerely, XXXX XXXX XXXX
|
| 02/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Older American |
|
This company continues to report inaccurate information concerning a property I once occupied. I have attempted to resolve this misinformation with the company and its agents, however I have been met with total disregard, dismissive and threatening language suggesting they will continue the assault on my credit until I pay the outrageous unjustified amount of money that I do not owe. I have contacted the property manager who was also the manager when I lived there, I was told I dont have a remaining balance due, I also reached out to the Property Management Company who reported there are no current nor past debts with my name, unit number or Social Security number. I have and continue to suffer from homeless insecurities because of this inaccurate reporting. I need help fighting this company that seems to enjoy being malicious and playing god with the lives of others. I believe there are others and if they have suffered the emotional pain and constant fear of object homelessness I suffer from this company, something needs to change. Their perceived power needs to be met with enforcement of our government protection agencies. Im helpless against them.
|
| 04/09/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
At the beginning of XX/XX/2020 I was contacted by XXXX XXXX XXXX who claimed I owed money to my old apartment complex ( XXXX XXXX XXXX Apartments ). In fact, I had not been contacted by my complex despite them having my cell phone and email address.
I called the complex and they verified that they had filed with the debt collection agency, and that the security deposit I gave them on move in was not applied to the amount. The security deposit ( I had the option of {$400.00} refundable or {$200.00} non-refundable ) was actually " just a fee '' even though this was not what I was told when I paid it. I was told it was a security deposit and would be applied to any damages on move out.
The apartment complex claimed that I was responsible for paying for carpet cleaning and general maintenance services however they did not have receipts of such services rendered and did not have this information written into my lease. XXXX XXXX XXXX XXXX intentionally sent a {$220.00} charge to collections ( without using the {$200.00} nonrefundable deposit I gave them ) in order to intimidate me into paying an extra fee, I did not owe, or face a credit score reduction.
|
| 04/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
My dispute is with IQ data international ( collections company ).
legit and original account starting with a debt of {$4900.00} from an apartment rent debt.
this account was included in a program to consolidate debt with a company called XXXX XXXX XXXX, and payments started going to this account regularly.
During a period of 6 years, a total amount to this date, XX/XX/XXXX has been of exactly {$5300.00} made on monthly payments, so I am considering this account paid in full.
We were trying to get in contact with this company for the last 3 months and no response has been made from them on what the balance of the account is, or if it has been paid already.
we understand that some interests or surcharges are added to accounts like this, but at least we would like to know what our status is.
please keep in mind that we have received in the past, proposals to pay in full the balance at 40 % or 50 % minus, if balance is paid in full. we never took advantage of this offers due to lack of founds.
as of today XX/XX/XXXX I have put a stop on the payments thru XXXX XXXX XXXXXXXX, until this situation clears.
we appreciate the help you can provide.
|
| 11/28/2023 |
Yes |
- Debt collection
- Rental debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
Today, XXXX XXXX XXXX, 2023 at approximately XXXX EST I called IQ Data International , INC for an debt they are attempting to collect. I initially received a collection letter from them and the account was already reporting to all credit bearuas and there was no formal communication prior to the reporting. I never had contract with this debt collect. In attempt to get this debt verified I submitted a letter XX/XX/2023.
Today 's call was to get clarification and some resolve to the issue, instead I was verbally assaulted, belitted and yelled at by a representative by the name of XXXX who I was connected to after speaking with representative XXXX XXXX at XXXX. This rep was rude and asked me to resolve my debt by asking family and friends and when this was not an option she asked why I could not I ask family and friends to help and asked " was it because they did not have jobs '' and she was unwilling to help resolve the issue and provide adequate proof of this debt. As of today I was told that interest is accurring daily but the letter states its " XXXX percent per annum '' grand total as of today is XXXX. Document dated XXXX dated XXXX XXXX
|
| 10/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
It appears that the Company IQ DATA INTERNATIONAL have obtained this account as a result of material misrepresentation, fraud & Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) and RCW 9.35.020. The Original Creditor did not legally obtain consent to sale, transfer or disclose any account information with your company or any other non-affiliated third party as regulated by 15 USC 6802 of the XXXX. Failure to provide FULL disclosure of material information is an unfair method of competition and unfair & deceptive acts of FRAUD. When a person is defrauded into entering a contract, the contract is no longer enforceable, and the defrauded party may void the contract upon learning of the fraud.
You are now hereby notified of the following : Upon discovering FRAUD associated with the contract between the consumer and the original creditor ; the contract is no longer enforceable and is now VOID on its face. As a result, ANY and ALL consent to possess, use and share private information obtained by, through or from that contracted original creditor is now REVOKED, TERMINATED, CANCELED and RESCINDED pursuant to RCW 19.86.020 & WAC 284-04-215 ( 6 ).
|
| 06/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I worked for XXXX XXXX XXXX and also lived on property. I moved into the apartment in XX/XX/XXXX. I moved out of the apartment in XX/XX/XXXX.
The carpet was damaged when I moved into the apartment and the manager wanted to replace it. I told her not to replace the carpet and we agreed that if she didnt replaced it, I wouldnt be charged upon move out. Unfortunately, she no longer worked there by the time I moved out and I was charged anyway. In XXXX of XXXX, XXXX XXXX XXXX turned over the account to XXXX XXXX, a collection agency. I told XXXX about the situation multiple times and the account has not been removed from my credit. I do have documentation showing the agreement made, on my move in/out inventory condition form. Even without this documentation though, the life span of carpet is typically 5 years. My carpet was older than 3 years when I moved in. I resided there for over 2 years. I shouldnt have been charged for a full carpet replacement at all. Although, I feel XXXX owes me money back for my deposit, that is not my main concern. I would like the account to be removed from my credit report and to be free and clear of these charges.
|
| 03/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
XX/XX/2023 XXXX XXXX, contacted me telling me I had a payment of XXXX to the XXXX at XXXX XXXX, I told them okay, can you inform me of the specific, they listed everything, I said alright. Is there website page or contract I can look into so I can understand see a full report, they told me no, you have to pay today, Im currently driving and said this isnt a time right now, I need to understand what Im paying cause I dont want to give my account out to people I dont know. Especially since I dont even have the funds today. They said we tried to reach out to you multiple times, via Mail, email, etc. I said I never had this before this is my first notice I didnt even know I had anything owed as I gave the XXXX my contact information when I left, they kept pestering saying well you need to make time right now, weve been trying to contact you over a year, even though I was just living there XXXX months back. So I told them when I look into it Ill contact them back and do what I need too but I need time and they said no you need to do this now. So I just hanged up and said bye as they were not willing to negotiate or give me anything to look into.
|
| 11/16/2023 |
Yes |
- Debt collection
- Rental debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XX/XX/XXXX, received 3 phone calls from phone number XXXX at XXXXXXXX XXXX, XXXXXXXX XXXX, XXXXXXXX XXXX and when I answered the third phone call a man claimed to be XXXX from IQ Data International. Was very harsh about needing to take out a loan to pay a debt or " bad things would happen ''. Was incredibly pushy and forced me to set up a phone call for the next day even though I said I had work. Talked to him the next day ( XX/XX/XXXX ) at XXXX XXXX and I got threatened with credit damage, never being able to rent again, and that my dad would also take a hit. Got a call again at XXXXXXXX XXXX again ( XX/XX/XXXX ) and he said I am " refusing to pay debt '' because I couldn't get an exact day on when I could pay the debt when I was asking for an itemized bill I got told " that is not how this works and now we are going to do what we are going to do ''. Was told all calls are recorded so I know it will be on their files. When I asked what he was going to do he laughed and said " oh you will find out ''. Over the course of the last two days I have been called over 4 times and have had nothing but rude and threatening/ demeaning interactions.
|
| 03/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Hello, XXXX XXXX XXXX XXXX, who owned XXXX XXXX. in CO, but has since sold. Refused to close out the apt . I left in XX/XX/2022. They did not meet me to close the apt or present a final bill. ( XXXX ). I emailed and phoned dozens of times & they never returned my calls. They ended up sending a balance of {$520.00} to XXXX XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX of course reported this to all three agencies & charged me a fee raising the amount {$560.00}. This should have never went to collections. I emailed my state attorney general about the real estate company. But, it was too late for the damage to my credit report. I paid XXXX XXXX, with the expectation that the information would be completely deleted from all three credit reports -- not just reported as paid, but they did not so, so I still have a delinquent mark on my record, which is completely not my fault! They lied and have only updated the record as paid. They refused to provide anything in writing either. I have a 3:34 recording attached -- both parties knew they were being recorded -- -stating this info would be fully deleted from all three credit bureaus.
|
| 12/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
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Hello, This company has to be stopped. Their collections tactics are inhuman and the way they speak to consumers should be a crime.I 've been harassed for trying to solve the issue in a decent/respectful way. This company has been reported an account from the year 2020 with an inaccurate balance. The amount reported is incorrect and they have been increasing the reported amount monthly, which is highly illegal for a closed account. I have had several conversations with their representatives. I've been cursed out, told I was a XXXX XXXX XXXX and that they will ruin my credit and make it impossible for me to ever rent again in the United States. They have contacted my mother and threatened a warrant on my arrest if she didn't have me to call them immediately. My mother who is already in poor health suffered a XXXX XXXX XXXX after their threatening and degrading phone calls. Can someone please help me solve this debt with this company. The reported amounts are inaccurate and they have blatantly stated they are out to ruin my credit/reputation. This debt is also a joint debt which I've tried to explain countless amounts of times to no avail.
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| 12/12/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/2022, I moved out of XXXX XXXX XXXX in XXXX, Florida. I lived at XXXX XXXX XXXX, formerly XXXX XXXX XXXX and XXXX XXXX XXXX, for five years and was never once late in paying my rent. Upon termination of my lease on XX/XX/2022, I was informed that I owed {$110.00} in utilities for the month of XXXX and immediately paid that amount by check # XXXX, from my checking account at XXXXXXXX XXXX, and mailed it to XXXX XXXX XXXX On XX/XX/2022, I received a letter from IQ Data International , Inc. indicating that the amount was turned over to a collection agency. I immediately called XXXX XXXX XXXX and spoke to XXXX XXXX XXXX XXXX who indicated that she had received the check, the check was in her hand, but that she turned the amount over to a collection agency anyway, just for fun. This should be a crime. Now, I am dealing with constant telephone calls from a collection agency, for an amount that was paid immediately upon notification. I am not sure I blame the collection agency so much as I do XXXX XXXX XXXX The staff at XXXX XXXX XXXX has gone downhill since it was replaced by XXXX XXXX. They do not care about their tenants at all.
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| 07/17/2023 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I lived in the XXXX XXXX XXXX in XXXX Connecticut for a year paid {$700.00} for a security deposit that I did not receive and I saw a report to the credit bureaus that I owe them {$3000.00}. I disputed it with XXXX and XXXX XXXX they deleted it from my account XXXX Still have it when I give them notice that I was leaving. They told me that I had to give them 60 days paid notice I said yes Im living there for 60 days. Of course Im gon na be paying you and I did when I disputed with XXXX they send a letter saying that amount was attached to me because of damages to the apartment, I was oddly ever at the apartment because I worked so much doing car service. I was hardly home I left the apartment, cleaned it from top to bottom even the blinds took pictures and videos and literally got rid of those pictures and videos from out my phone because my XXXX was full, so the statement that they say was damages to the apartment is false I believe is someway for them to try to collect. Im not really sure maybe the 60 days paid notice was them actually wanted extra money for me to give them notice I never heard of that before makes no sense to me.
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| 06/02/2023 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Dear IQ Data International I am writing you in response to your recent communication regarding the alleged debt related to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ; on XX/XX/2016, which you claim I owe. After careful review of my records and relevant laws, it has come to my attention that the statute of limitations for collecting this debt in Nevada has expired. According to Nevada Revised Statutes ( NRS ) 11.190, the statute of limitations for most types of debts in Nevada is six years. As the alleged debt in question is more than seven years old, it is now time-barred and legally unenforceable. Therefore, I kindly request that you immediately cease all collection efforts related to this debt. Also want to remind you of your obligations under the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA prohibits debt collectors from engaging in deceptive or unfair practices in attempting to collect debts. Pursuant to FDCPA Section 809 ( b ), if you continue to pursue collection activities on this time-barred debt, I will consider it a violation of my rights under the FDCPA and will take appropriate legal action.
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| 09/27/2020 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XX/XX/2017 I moved out of the apartment complex XXXX XXXX at XXXX XXXX XXXX XXXX due to a HORRIBLE continuous roach infestation. I wrote to the leasing company multiple times and even have pictures to this day ( about the infestation ) and did not receive any response in the matter. Shortly before moving hurricane Harvey struck and I unfortunately lost my job. I had to relocate to XXXX and live with a relative. Months after I was told that I owed almost {$10000.00} in breaking the lease even though someone had already moved into the premises. IQ Data kept on harassing and calling me multiple times ; I consulted an attorney who then sent a settlement amount ( which I never agreed to ) of {$1000.00} and it was flatly denied. Last year I decided to call the company and see if this negative remark could be removed as I did not owe that amount and the representative I spoke with yelled at me and used profanities indicating that I was paying over $ XXXX/ month ( which I wasn't ) in rent and I needed to pay the full balance of over {$11000.00}. Since then every month I notice an increase on the account once I check my credit report.
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| 07/14/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I used to live at XXXX apartments at XXXX XXXX in XXXX XXXX, California. I noticed that the lease that was available on on-site.com, the website that this company uses to sign lease, was signed several days after I moved in. I know that I did not sign this lease as I signed a lease prior to moving in and the lease available online is not the same lease as the one that I did sign. The IP address associated with my signature and my cosigner 's signature matches the IP address of XXXX XXXX, who works at XXXX apartments at XXXX XXXX. They are now saying the I violated this lease after moving out and saying the I owe {$20000.00}, even though I did not sign this lease. They have reported this to XXXX XXXX XXXX, a collections agency, which is now requesting that I pay them {$22000.00}. I never signed this lease, my signature was forged on this lease by XXXX XXXX, therefore, I am not responsible for paying this amount. I have sent a letter disputing this debt to XXXX XXXX XXXX, in addition to filing a complaint with the Internet Crime Complaint Center, however, XXXX XXXX XXXX has still reported that I owe this debt to credit bureaus.
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| 02/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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This account IQ Data International is reporting inaccurate information on my credit report which is a violation of the FDCPA and also FCRA. Ive sent in validation letters on XX/XX/XXXX in which I receiver no response from them and also have documentation with the tracking number showing it was receive on XX/XX/XXXX. Theyre also reporting inaccurate DATE OF LAST ACTIVITY as XX/XX/XXXX in which it has been ILLEGALLY Re-aged and in violation. I have made no payments towards this account none this year and it should not reflect XX/XX/XXXX. Ive disputed this account twice with XXXX on XX/XX/XXXX & XX/XX/XXXX which it came back as verified but yet on my credit report it doesnt show that the account was even verified which is in violation with the FCRA of which I may collect up to {$1000.00} per violation which I intend on doing so unless settled. This account has shows that the account balance is higher than the actual HIGH BALANCE which is indeed inaccurate information. The debt company can not add any fees towards an account purchased from the original creditor, it may only collect what was originally owed which this is violation
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| 10/29/2020 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I was contacted by I.Q. Data International on XX/XX/20 who was attempting to collect a false debt from me. This company accepted contract to represent their client XXXX at XXXX XXXX XXXX XXXX XXXX Landlord ) to collect a debt that I did not owe. I.Q. Data International accepted this contract by their client even after their client violated Florida Statue 83.14. Now I.D Data International violated the Federal Fair Debt Collection Act. This company has called my work phone and disrupted my family time to collect a debt that I did not even owe. Their representatives were rude and condescending when I tried to get information about the debt they were trig to collect. In the end I had to follow their rules and send in a written request to see what the debt was for. The company never respond to my request which was received by them on XX/XX/20 at XXXX via certified mail ( Tracking number XXXX XXXX XXXX XXXX XXXX ) .Further on XX/XX/20 I retained a lawyer XXXX XXXX XXXX XXXX to also sent a letter to resolve this mater and not further effect my good credit. I. Q. Data also did not respond to my attorney. All documentation attached.
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| 09/22/2022 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Apartment move-out, excessive charges. Lease states I provide electric utility, which I did, however management charged electric fee. Carpet replacement fee was for normal wear. I disputed initial collection.
The collection is for an end-of-lease apartment move-out and contained excessive charges ( Claimed over {$2600.00} in damage for a unit rented for {$640.00} ) : Lease states I provide electric utility, which I did and cancelled the day I moved out, however management charged electric fee.
Carpet replacement fee was for normal wear. Claimed {$1500.00} Painting fee was from normal wear and tv mounting holes. Claimed {$650.00} Microwave replacement fee? It worked when I moved out. Claimed {$200.00} They also charged fees for cleaning, removing trash, replacing blinds and a door. Claimed {$400.00} I disputed initial collection both to the apartments and collection agency, stating neither the carpet nor the paint were new at move-in and that I was a resident for several years so wear and tear was normal. It seems to me the apartments XXXX XXXX owned by XXXX XXXX exaggerated fees and repairs to drive up move-out statement.
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| 12/11/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Consumer Financial Protection Bureau Subject : Dispute of Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to dispute an account that appears on my credit report, which I believe to be inaccurately associated with my name. The account in question is with I.Q DATA IN, and the account number is XXXX I have reviewed my credit report and have confirmed that I do not have any affiliation or association with the mentioned account. This account is not mine, and I am concerned about the potential impact it XXXX have on my credit history.
I have dispute with the XXXX CREDIT BUREAUS, on XX/XX/XXXX, through XXXX XXXX have recently sent in where my credit file was stolen with police reports. I kindly request that Consumer Financial Protection Bureau investigate this matter and work to correct the inaccurate reporting promptly.
I appreciate your prompt attention to this issue and your assistance in resolving this dispute and removing this matter off my credit report. Please feel free to contact me if additional information is required.
Thank you for your cooperation.
Sincerely, XXXX XXXX
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| 12/12/2023 |
Yes |
- Debt collection
- Rental debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Dear Sir/Madam, I am experiencing financial hardship due to a cut in my hours. I fell behind on my rent payments and was drowning with bills, I'm a XXXX XXXX XXXX XXXX XXXX and I have no financial help. During the time of not paying rent I had been trying to help my parents and my hours were significantly cut at work, I was barely making it, the company I work test students and staff at colleges, residential homes and offices for covid and im a collecter but my hours were cut due to budget cuts and because the covid numbers were getting low they didn't need us to test for covid.
During that time my dad got very ill and was unable to work and I was trying to help my parents so they didn't lose their place and in doing so I lost my XXXX XXXX I lived at for over 6 years. Everything was happening all at once and I was unable to control the situation. I was trying to make sure my kids had food and a roof while also making sure my parents were okay, I hope you can forgive the balance I owe. I am trying to get back on track and catch up, it has definitely been a huge struggle that I hope to get out of.
Thank you, XXXX XXXX
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| 09/06/2023 |
Yes |
- Debt collection
- Rental debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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I HAVE REACHED OUT TO XXXX XXXX AND IQ DATA, XXXX MULTIPLE TIMES. ITS STILL ON MY CREDIT, THEY ARE STILL GIVING ME THE RUN AROUND AND THEY STILL REFUSE TO REMOVE THIS!!!!! I NEED YOU ( XXXX XXXX ) TO CONTACT XXXX AND DEMAND THEY REMOVE THIS OFF OF MY CREDIT, SINCE THEY SAY ITS YOU WHO KEEPS REPORTING IT TO THEM.
This Account was paid, closed, removed, to XXXX XXXXIQ Data in XXXX. The last 8 months or so XXXX has been reporting this account as new and every month has sent it to the bureaus. My credit scored has been demolished because of this and because its an apartment its showing on any housing that I apply for. I received a letter saying that a company has illegally obtained my information and has my information. I have called multiple times. Filed a dispute for this same account 3 times and instead of fixing this issue they keep saying that this is valid. I have spoke with them and the feedback I am receiving is more concerned with me paying another {$3000.00} instead of fixing there mistake. I have been rudely spoken to by there employees, I have been refused a manager. I have sent all proof of payment receipt.
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| 01/14/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Date : XX/XX/XXXX Complaint regarding my dispute with IQ dada International : I am in possession of the documents sent to me dated XX/XX/XXXX. The information is unresponsive to my demand. I demanded valid proof that I owe IQ data international or the XXXX any money.
They responded to my complaint to the CFPB on XX/XX/XXXX. Case number XXXX in which they indicate that they sent me a copy of my final account statement and a letter requesting additional information. They also stated that the XXXX XXXX confirmed that the balance is accurate and provided a copy an electronically signed lease. Which was not even included in their correspondence.
Even if the electronically signed signature had been provided, it is still not valid proof that I owe money to these people.
An electronic signature can be copied and pasted and attached to any document by anyone. With electronic signature, there is no document security. There is no verification process or any tracking for changes made to the document after signing.
I am requesting that this collection agency provide me with valid proof before continuing collection activities.
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| 08/17/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Sometime between XXXX and XX/XX/2019 I went to make a large purchase, they ran my credit and it was brought to my attention that " XXXX XXXX '' or " IQ Data International '' put a $ 22,000+ collections account on my credit file, stating that the account was opened in XX/XX/2019. During which time I did not live in the state of Minnesota. I have not, to date, received ANY correspondences regarding this alleged debt owed. Between XX/XX/2019 and Present, the amount owed mysteriously changed from $ 22k+ to now showing as $ 11k+. In XX/XX/2019, I filed a dispute with all three major credit bureaus, XXXX, XXXX and XXXX XXXX. Since then, XXXX XXXX and XXXX have both investigated and determined that said account does not belong to me and have removed them from my credit files completely. To date, I am still in a back and forth battle with XXXX. They refuse to remove this inaccurate reporting from my credit file. I would like to note, I have zero collections accounts on my credit file with exceptional payment history on all open accounts. This fraudulently reported account may hinder my home buying process. Please advise.
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| 02/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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When I moved out from this apartment that we were renting, we deliver the keys to the staff in the front desk resident services, they checked the apartment and once that happened they did not lock the door, We took pictures of everything ( including the kitchen countertop ) and weeks later they sent an envelope in the mail saying they will give us back money from the deposit, after that the company that rents these apartments sent us another envelope by mail ( week way after the first one ), stating that there was damage in the kitchen ( we did not do this damage ) since we delivered keys weeks before of this event and took photographic evidence since we refused to pay this debt they passed this to a debt collector ( XXXX XXXX XXXX XXXX ). I explained to them that I disputed with the apartment company this debt and had evidence that we did not owe anything, they said to me is just {$300.00} and tried to harras me about impacting my credit score for years if I did not pay them.
I still have the photos and the evidence of the email communications with the apartment complex company when I disputed this fake debt.
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| 09/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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XX/XX/2022 - received letter from I.Q. Data International , Inc. falsely claiming I owed {$990.00} of rent debt from XXXX XXXX XXXX XXXX response contesting this debt sent immediately, phone call made a few days later, email sent to their disputes department on XX/XX/2022 documenting final rent payment and statement sent to landlord for discontinuing lease at the date stated in the lease agreement.
Nothing for two months. Never received any written or emailed response. On XX/XX/2022 phone calls made under fake numbers ( numbers with area codes identical to our phone numbers as opposed to the debt collections number ) to myself, fianc, and an old emergency contact from the lease.
Debt collectors now saying I need more proof that I owe nothing after them not being able to successfully contact XXXX XXXX XXXX. No. I don't have a screenshot of the final {$0.00} ledger because typically {$0.00} means {$0.00} and not debt collections on a false {$990.00} debt.
I have opened up a small claims case against I.Q. Data International , Inc. and XXXX XXXX XXXX ( XX/XX/2022 ) for the {$990.00} falsely claimed to be owed.
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| 11/24/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I received a letter in the mail in early XXXX from IQ Data International Collections company stating they were collecting a debt that had been sent to collections totalling XXXX by XXXX on XXXX XXXX. We never moved received a notice from the apartments stating this debt was owed in the first place. After contacting the debt collections agency directly and providing written proof to XXXX via email that the billed amount was due to a computer glitch issue and we did not actually owe any further money ( see messages below ), they went forward and reported this to my credit.
Today, I received a notice that I have a derogatory report on my Credit Report from this debt collection agency that your company hired after providing direct proof to them on XXXX XXXXbefore it was ever reported ( please see the emails below ) stating that we do not actually owe anything. This is a clear breach of the FDCPA laws.
I am requesting that this be handled internally by your office to report that this debt no longer is required as it is now on my credit report and they have been unresponsive to me now after multiple attempts.
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| 11/19/2023 |
Yes |
- Debt collection
- Rental debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I am disputing a debt and I.Q. Data International- the company name I found on my credit report will not take my dispute seriously. They were assigned the account on XX/XX/XXXX and first reported it to the bureaus in early XX/XX/, without me included at all in the process. They continue to update the account with a new " Date Reported '' each month with additional fees tacked on.
I have a very large file of documentation, and they have not reached out to tell me how to get it to them electronically. Instead of looking at what I have, they have reported me to the credit reporting agencies and keep adding the charge in interest. I have attached the second payment I gave to XXXX for XX/XX/XXXX payment. They would not take the first one as it was a few cents off of the total owed. My cashiers check was photocopied, accepted, and signed by XXXX, office staff at XXXX XXXX in XXXX, IL. There, a series of events on their part took place that need to be reviewed because they are extremely confusing. There is no indication in any document that I owed them more money, other than the double-billing for XX/XX/.
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| 10/19/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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Validation of debt was submitted to this company via certified mail on XX/XX/23. Receipt of confirmation as received. They failed to respond to the validation of the debt. IQ Data International and the Original Creditor XXXX XXXX XXXX were contacted regarding incorrect charges. Both failed to respond. IQ Data International also violates FDCPA guidelines by not allowing enough response time on their original notification.
The amount of debt IQ Data International intends to collect is {$1900.00}. That is incorrect. I never refused to pay the debt. I asked the debt collector to contact the original creditor to revise the amount and contact me when the charges were revised. I was not contacted, and the company did not call me after they received the validation of the debt and had to cease all communication to remain in compliance. But they should've contacted me in writing. This indicates that they did receive the XXXX, yet failed to respond. IQ Data International proceeded to report this debt to my credit, they were also contacting my child who was a minor at the time the account in dispute was opened.
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| 09/27/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
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|
Web |
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IQ Data has been attempting to collect on a debt for the past four years that was signed and forwarded to them by one XXXX XXXX representing XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX at XXXX XXXX XXXX.
On XX/XX/2019 XXXX XXXX stated, under oath, that she did not have the authority to attest or sign legal documents. She was only the community manager. The debt claimed by this collection agency was signed by the same XXXX XXXX and was based on legal documents of an alleged debt by, once again, XXXX XXXX.
The debt is either invalid or the entities above have perjured themselves in court.
The debt is in either case invalid and not verifiable. The collection agency would need to provide another signed document by an authorized party, from the inception of that debt or else remove the debt from all bureau reports.
Enclosed is the case number and hearing information where I was required to refile against a party with legal authority. XXXX XXXX was present as the defendant for the entities and not qualified by her own admission to being a legal authority to handle financial matters for the property.
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| 04/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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So there is a previous complaint XXXX. I called back to try to get the address and account number to file a dispute. They refused to use give me the information or to allow me to have all contact in writing with the company as the LAW states I have a right to. I was told I would have to send that to them in writing yet refused to give me the address or account number to send that to UNLESS i gave then information in return. I finally just hung up and I am going to sue them for the violations of the fair debt collection practices act. He was rude, and abusive in his language, and he further when told that I was XXXX and needed my legal consultant to assist me, he became berating of myself and my legal consultant and refused to make any accommodations for my XXXX in violation of the Americans with Disabilities Act, he actually stated when told I was XXXX that he was going to treat me like anyone else He demanded i give him my proof right then, he refused to provide either a physical or email address and refused to accept my request to only deal with them in writing. This adds to my first complaint.
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| 07/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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{$630.00} Was charged to me on XX/XX/XXXX When I moved out of XXXX XXXX apartments of XX/XX/XXXX. This company I.Q DATA CALLED ME AND TOLD ME I HAD TO GIVE THEM {$630.00} FROM XXXX XXXX APARTMENTS. BECAUSE I DIDN'T WASH THE WALLS THE REFRIGERATOR OR THE STOVE AND COUNTER TOPS. I DIDN'T CLEAN ANYTHING WHEN I MOVED TO THESE APARTMENTS IN XXXX THE APARTMENT WORE ALREADY OUT AND OUT DATE WITH PAINT CHEAPING OF THE WALLS! WATER LEAKS IN TOP OF LIVING ROOM CEILING OLD CARPET THEY VACUUMED. WITH BATHROOM DOORS FALLING APARTMENT. SO IM BEING ASKED FOR {$630.00} NOW AND THEY TRYING TO MAKE ME PAY FOR SOMETHING I DIDN'T DO I MOVED OUT ON XX/XX/XXXX. LIKE HOW LONG I'VE LIVE THERE THAT'S AGAINST THE LAW. AND YOU PUT THIS ON MY CREDIT AND You KEEP HARRSING ME. ABOUT SOMETHING THAT THEY SHOULD UPGRADE BECAUSE IT'S A DISGRACE TO LIVE THERE. YOU KEEP CALLING AND SENDING ME BILLS TO MY ADDRESS. AND I WANT TO NO WHAT HAPPEN TO THE {$350.00} I GAVE THEM THE MAN GONE LIE AND SAY IT WENT ON MY FEE. THAT WAS A SMALL 2 BEDROOM APARTMENT WAS NOT A THING WRONG WITH IT. IF IT WAS WAY SOMEONE MOVE IN THERE THE NEXT WEEK.
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| 08/19/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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I received an invoice from XXXX at XXXX XXXX XX/XX/2021 regarding an apartment I rented at XXXX at XXXX XXXX from XXXX. In that invoice it stated, the apartment was not clean, repainted and carpet had to be cleaned. I submitted pictures to the apartment complex to support that the apartment was clean along with the carpet being clean. The office personnel reached out to the billing office and still started the apartment was not cleaned when I moved out. Several pictures were submitted to have the charges reversed.
The account was turned over to IQ Data International, When I spoke to the representative at IQ Data International regarding submitting my pictures and to dispute the charges, I was informed I had to pay the amount due first and then the dispute progress would begin. I refused because I knew it was a waste of time and a tactic. I didn't believe in the system to follow through. Daily interest is added to the balance which increases the monthly balance. Current balance is {$520.00}.
I want this rectify with the charges being dismissed and stop incurring daily/monthly interest fees.
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| 03/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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XX/XX/XXXX : I discovered a dip in my XXXX score, proceeded to pull my credit reports and found a fraudulent claim/identity theft. I filed an identity theft-related request online with XXXX XXXX XXXX
XX/XX/XXXX : Results received from XXXX : declines identity block.
XX/XX/XXXX : I received a statement via XXXX from XXXX. XXXX XXXX XXXX XXXX claiming that I owed a debt to XXXX Apartments in CA for the amount of {$5000.00}.
XX/XX/XXXX : I sent a XXXX XXXX return receipt letter to XXXX. Data to dispute their fraudulent claim and attached the XXXX XXXX, RI Police Incident Report that I filed on XX/XX/XXXX.
XX/XX/XXXX : I received correspondence from XXXX. Data requesting notarized paperwork to confirm my identity and proof of residence in RI.
XX/XX/XXXX : I sent via XXXX certified return receipt mail with the requested documentation.
XX/XX/XXXX : I receive a statement from XXXX. Data claiming that I continue to owe their client, XXXX Apartments in CA, in the amount of {$5600.00}.
XX/XX/XXXX : I resent all the previously requested information via XXXX certified mail with return receipt.
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| 02/16/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
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Web |
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XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which are permanently closed under management of XXXX XXXX XXXX. The fraud started with XXXX XXXX who was the leader committing fraud with my children 's and I identity. When I asked er about entrance to apartment she resigned. They also submitted false evictions an loan debt to my credit report XX/XX/XXXX. They also had illegals living in complex who were entering my apartment stealing documents and spying on me and my 3 girls. They also had an underground basement where the dishwasher sat. They had the home wired with something where they knew our whereabouts. Invasion of our human rights. They switched out my XXXX XXXX hhr between XXXX and XX/XX/XXXX with a like model with XXXX parts. I have a 1099 to prove it. I kept going to round rock police department and they spoke to me like I was crazy. It made me feel they had something to do with it. When I attempted to get an attorney the intruders entered apartment and destroyed evidence. They made threats to my life and it is led to believe they tried to abduct my teenage girls for trafficking.
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| 03/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
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Web |
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ATTENTION TO I.Q. DATA INTERNATIONAL ( XXXX XXXX XXXX XXXX ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$420.00} does not belong to me. This account was fraudulently opened through this company I.Q. DATA INTERNATIONAL ( XXXX XXXX XXXX XXXX ) in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
|
| 10/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
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On XX/XX/XXXX I received an email on XX/XX/XXXX from the property the move out statement. I contacted the property and they had informed me I could do a payment plan. On XX/XX/XXXX I was contacted by the XXXX XXXX XXXX and notified we were in collections.I began going back and forth between companies to verify to whom I should be making payments to for the move out statement. The Debt Collectors stated it was they whom should be receiving the payments.On XX/XX/XXXX the property confirmed the Debt Collectors are the responsible party for payments.I have tried to make a payment plan and also advised them to send me correspondence multiple times to verify the debt. They have stated the debt has been in the account XX/XX/XXXX. I have tried to make a payment plan while also trying to make a debt settlement but without any documentation they have been very aggressive with having a payment up front to keep the account open before garnishing my wages. I believe this to be extremely uncomfortable and difficult. I still have NOT received any correspondence to confirm the debt. XX/XX/XXXX
|
| 02/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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|
I found out that in 2018 a eviction record was placed on my name.
While i never even lived at the addres XXXX XXXX XXXX.
I called the property and they directed me to a different agency.
Where i was told, that someone used my name to sign it.
And used my personal information. Back then i was going through a divorce.
so only one who ever had access to my personal information was my ex husband.
Also now the problem is, for an address i never lived at. it causes now issues for me to get a new home. For something i not do, and was not aware off.
The company in question is not very helpful. they say be more careful with your personal stuff, now you have to pay.
I am not willing to pay for a fraudulent activity and have a falsely eviction on my name, due the fact someone used my personal information for personal gain.
and i am now the victim.
Company involved is XXXX XXXX IQData Inc. who i think is handeling this.
Also called them, the guy i spoke to said. will make a note that it is fraudulent and file reports But sorry how does this help me get this of my records
|
| 09/11/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Emailed tricon since XX/XX/XXXXregarding issues with bathtubs, wasps, roaches, black mold, windows cracking, urine smell in garage no one calling regarding environs notices that they kept threatening us with and we were late one month that XXXX XXXX XXXX paid and mailed the check they then tried to evict us XX/XX/XXXX and XX/XX/XXXX that was closed and then on XX/XX/23when I told them we were not resigning lease we got a knock on the door we had to leave or they would evict us I emailed XXXX and XXXX XXXX got on thei social media pages to try and speak to someone after hours I spoke to XXXX XXXX who said she would def this info that never was sent then 6 months later when we left they told us we owed $ XXXX XXXX where did this come from this is fraud and not one person spoke to us regarding any amount owed they are awful company in communication and they never call what kind of landlord is this ad a tenant we have rights to lucky comfortably and knowing our money is going to maintence when they didnt help I told them we are no longer revering and bam we were forced out
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| 09/07/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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|
IQ Data Int'l received a debt collection from an apartment complex in Arizona, in which my daughter resided. I had retained counsel to get out of the lease and the apartment complex sent a collection in the amount of {$5500.00} for early termination of a lease. They subsequently sent it to IQ Data Int'l who then tried collecting the above debt. I hired another attorney and a settlement agreement was signed on XX/XX/2023 holding me harmless of any of the debt mentioned above and in said settlement ( attached to this complaint ) on page 2 they were to remove this from my credit report within 30 days of the XX/XX/2023 agreement. Well, it's not removed and IQ Data Int'l will not talk to me ( they have hung up on me twice ) and state that they will only talk to my attorney ( which is costly ), and they refuse to remove it from my credit report.
This is affecting my licensing renewals in two state within the XXXX XXXX, and they are costing me money every time I talk to and/or email my attorney. This is ludicrous and I need assistance asap as I am now losing income as well.
|
| 03/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
While checking my credit report, I notice an account from IQ DATA INT'L that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than 90 days, I sent another certified letter on XX/XX/XXXX, which included a Request for Dismissal ruling from The XXXX XXXX of California. ( See attached ), again requesting that they remove the negative remarks that were showing up on my credit report. I also sent certified letters to the three credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that IQ DATA INT'L is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for over a year with no success, so I am writing to you to help me with this matter.
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| 02/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
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|
I lived at XXXX XXXX at XXXX XXXX from XXXX. I was originally on a XXXX year lease and once my lease was up I was paying month to month and no longer under contract. I put in a XXXX day notice with the company advising them that I was in the process of buying a home and would be moving out at the end of XX/XX/2018. I closed on my home XX/XX/2018 and moved out of the apartment a couple days letter. I am not sure why the apartments are saying I owe them as my notice was put in properly. The apartments have also been sold to a new company since I moved away which should have cancelled out any prior obligations. My problem is that I never received any communication or notices from XXXX XXXX regarding this alleged debt. They allowed IQ data International, a debt collector to take over this and report this information to the credit bureaus unlawfully. The collection company is also charging and reporting interest and fees on my credit report when I have no contract or obligation with them at all. I am asking that this debt be removed from all credit bureaus immediately.
|
| 09/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
The credit bureaus refused to provide you their MOV ( Method of Verification ) for the Credit Card listed on my credit report according to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. FCRA 611 ( a ) ( 7 ), which is used for such a request, states : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
They have deleted it off my XXXX Report but wont delete off XXXX, or XXXX. They haven't provided any information at all showing the debt belongs to me no Contractual agreements or my wet signature showing me responsible for the debt or this account
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| 09/14/2023 |
Yes |
- Debt collection
- Rental debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
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XX/XX/XXXX I hired an attorney to represent me in breaking my lease Persuant to Nevada law for inhabitable conditions. I provided 30 day notice. I moved out XX/XX/XXXX. On XX/XX/XXXX not even 30 days after moving out XXXX XXXX XXXX sent a wrongful excessive bill immediately to collections without any attempt to settle or put me on notice of this debt before sending it to IQ data international, Inc. immediately upon receiving notice of this debt from IQ data international in XX/XX/XXXX, I made them aware both verbally and in writing that I was disputing this debt. I also verbally and in writing requested debt validation with no response. IQ data international Harrassed both me and my partner calling us several times a day, even after we sent them a cease and desist letter. IQ international data then began contacting our employers to get ahold of us. It has not been 30 days since we sent out written correspondence with no response from IQ international inc & they have now put this collection onto our credit, without ever acknowledging our dispute of this debt.
|
| 09/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
|
| 05/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I paid a debt to IQ Data that I owed. But while talking to the representitive, I was told that they had another open account for a debt from an apartment complex in XXXX. Except for 4 years living in XXXX and XXXX, I have lived in XXXX. When they researched it on there end, I was told that it was a mistake because I share the same last four of my social, and that it will be fixed. Today, I have recieved a call from IQ Data for the same debt that was wrongly placed in my name. When trying to explain the issue, I was notifed my name is on it, so it should be mine. Then when asked to talk to a supervisor, I was placed on hold for a couple seconds, then told they were not there. I called back, and got the same response, and was told only they would not contact me anymore. But said to call to see if I fixed this debt. I have not gotten any proof of this debt in the mail, or had any idea about this debt until XXXX of XXXX XXXX. Yet there website has said it's been in collections since XXXX. If it was mine it would have been on my credit report.
|
| 08/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX account # XXXX ***********BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above- named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).
|
| 12/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Nearly every single day many times a day starting in XXXX 2022, a IQ data international attempted to collect a debt of {$820.00}. I repeatedly told them that I would like to make an installment account and negotiate pay for delete arrangements, they refuse multiple times and I told them I could not pay the debt out right. They threatened to put it on my credit report if I did not pay in full by a certain date and suggested I apply for loans to pay their debt of which the loans they recommended were of an upwards of XXXX % interest. I repeatedly request installment plans and was denied, they repeatedly called me despite me telling them not to call me and despite me telling them when I would call them back to get back in contact. They have frequently called me despite me telling them not to call me. As I believe today they put it on my credit report despite continually refusing to send written documentation or negotiate installment payments. This was after a many months long harassment campaign, where threats were utilized about damaging my credit.
|
| 02/25/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I received a notification from XXXX XXXX XXXX that I have an Eviction mark on my XXXX Consumer Disclosure report. XXXX XXXX, a residential property, accessed my report following a rental application for an apartment I applied to on XX/XX/XXXX. My application was denied due to this false statement of Eviction.
On XX/XX/XXXX my Attorney XXXX XXXX XXXX ( XXXX ) represented my case of XXXX XXXX XXXX XXXX, XXXX. The judge presiding over the case dismissed the Eviction penalty due to my economic hardship status ( due to XXXX XXXX, XXXX refusal to acknowledge XXXX County rental hardship program ), and therefore I was unable to pay the {$1700.00} balance owed.
I was demanded by XXXX XXXX, XXXX to vacate the property at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX in XXXX, XXXX. I obliged and I was no longer subject to eviction status.
Yes, I see two separate records in the amount of {$1700.00} as an outstanding balance from XXXX XXXX, XXXX.
I would like this formal complaint to be investigated so that this mark on my consumer report can be removed.
|
| 09/10/2023 |
Yes |
- Debt collection
- Rental debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Unfortunately, despite repeated requests, your company has failed to provide the necessary burden of proof to prove the rent payments claim. This is a serious concern that needs immediate attention and resolution.
I am left with no choice but to formally demand that your company produce the complete and accurate ledger detailing the rent payments from your client within the next 15 days. Please comply with this demand to ensure I can initiate legal action against your company for engaging in what appears to be unlawful practices through a collection agency.
Unfortunately, I'm in this situation and must address your company 's lack of professionalism and responsiveness. As a last resort, I have no option but to escalate this matter further by using my attorney.
Please treat this matter as quickly as possible. I'd appreciate it if you could immediately pay attention to providing the requested proof to avoid legal action.
I'd like quick action and a solution to this issue within the timeframe I've specified within 15 days of this email.
|
| 04/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I submitted my notice to vacate 60 days prior to my move out date of XX/XX/23. I moved on XX/XX/23 and advised the complex that I moved. The office was closed due to renovation and I had no idea where they were in order to turn in the keys. I made an appointment to turn in the keys and thought everything was cleared. I was never advised that I owed any monies and then two months later, I get a collection letter. I was never given any opportunity to settle with the complex if I were to owe anything. This was turned over so quickly because I didn't want to renew my lease. On XX/XX/XXXX, I paid the amount due in the portal that covered XXXX XX/XX/23 and had a XXXX balance. On this notice from the collection agency, it says I owe XXXX. I was charged two late fees of XXXX after I moved and was charged for 11 days in XXXX and another 4 days for XXXX after I had already moved out and given them the keys. I do not owe XXXX and this account needs to be closed out and I don't want any other correspondence from the collection agency.
|
| 06/09/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I was contacted by IQ-Data International collection agency I was told that they werent a standard collection agency and they didnt buy my debt but were contracted to collect. I was told they did not do payment arrangements but under certain circumstances they would allow a payment arrangement and this was entered into under the pretense that as long as I made those payments on time, it would not report. Ive consistently made payments since the agreement was entered into, I awoke on XXXX XXXX with the debt on my credit. I then contacted the agency and basically was called a liar stating that couldnt have been said, I prompted them to listen to the recording from my interaction. Ive made at least 3 payments on this debt under the guise that it would not be reported now they have reported and are saying I would need to pay in full the remainder in order to get it removed. The representative was not honest or forthright and basically tricked me into the agreement knowing that it wouldnt prevent them from reporting.
|
| 10/20/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX gave TWO companies, IQ Data and XXXX my debt. There is record of both companies with the original creditor ( XXXX XXXX ) on my credit files. XXXX removed their files when they found out that XXXX XXXX illegally gave my debt to, two different companies. IQ data is refusing to cooperate and delete the credit file from my XXXX report. It is not showing on my XXXX but is still showing on my XXXX. I have disputed it multiple times but XXXX XXXX seems to have them believing that they are correct but when XXXX reached out to XXXX XXXX inquiring about IQ data, XXXX XXXX never responded in which they had to remove their credit files. This has falsely impacted my credit in a tremendous way, I have spent years and months trying to get this removed with the little knowledge that I had but I know more now and IQ data, XXXX and XXXX XXXX have done me wrong the past 5 years and I am going to be seeking compensation because theres more to this story than people know which involves the property manager at XXXX XXXX.
|
| 04/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/2023 I, XXXX XXXX decided to check my credit reports and I notice that my total debt balance was XXXX and I immediately check why and found out that there is a collection debt of about XXXX from company " IQ data International ''. Original creditor is " XXXX at XXXX XXXXXXXX XXXX ''. In which I have no knowledge of these companies and debt collection mention. I had to immediately locked my credits accounts. I want to say that I was a victim of Identity theft a few years back and I was able to proof it to the debt collectors and they helped me remove the delinquent balances that didn't belong to me. Today I called IQ data International explaining my situation and they told me that they are going to send me some paper work to fill out and return it back to them with the documents or evidence that I provided last time with the others debt collections that I had before. This includes my driver license, police report, and documents from the lawfirm that initially made me aware that my Identity was stolen.
|
| 07/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I called to ask about a confirmation of payment for debt and I asked where they going to remove it and he told me no because the account is now closed and they cant do it. However, I keep getting the run around with this company. When I was trying to dispute the debt I had a lady laugh in my face and told me duh stupid this is the debt you owe and what are you talking about and hung up on me. I call again and I get another person stating that cant help me in regards to disputing my debt at first and then if I pay how they can take it off and they tell me they cant take it off. Another time I call, I asked about how they can take payment and the lady couldnt help me with the online payment website and told me there was nothing I can do. I have asked several times through different people about getting it removed and no one told me they could help me do it through their office. Then the last time I call they tell me I shouldve done it through their office and when asking for help I didnt get that.
|
| 05/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX XXXX AZ continue to report this debt even though they released me from lease and the debt of my lease in XX/XX/XXXX they continue to report to XXXX XXXX through their own debt agency that I owe close to {$4000.00} even theirs no judgment in place nor did they contact me within a year after the supposed balance placed on my credit in XX/XX/XXXX. I was placed in the City of XXXX XXXX XXXX through case manager XXXX XXXX and he and I was not informed about any debt owed XXXX XXXX and its COVID-19 and they fraudulently trying to get money from me even when I wasnt working in the public housing program. They signed my contract to be really from my lease with no debt amount owed and if I was still in that lease I wouldve owed until XXXX of XXXX. They combating the fact that contractually they never held me accountable for the balance at the time of being released from my lease with XXXX XXXX because I was also diagnosed with be severely XXXX ill and I have been diagnosed as title XXXX and title XXXX
|
| 03/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
We called IQ data international about a report on XXXX XXXX credit. The court documents we have regarding the debt owed did not match what the collector was saying, call got disconnected before we could agree to a settlement amount. upon further consideration we wanted to confirm the amounts were accurate before paying almost 5k and the collector then became irate, would not let us finish, refused to send us any type of validation for debt, said we could just negatively let it hit our credit, after mutliple conversations with my wife they then told her they wouldn't speak to her because it " wasnt her debt '' and screamed at the phone that they " renig '' theyre offer and to have XXXX call. We made attempts to validate this debt and they refused. The minute we questioned the validity of this debt and wanted proof in writing they because absolutely Irate. my wife never gave them permission to call her cell today XXXX and they did for the debt but then when she had a question they refused to talk to her.
|
| 03/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I contacted IQ data international multiple times. But on XX/XX/XXXX I was told to submit I was told to submit proof of residency from XXXX I sent that In and on XX/XX/XXXX I was told theyre going to mail me a identity fraud packet. IQ data international has only verified my name and social Ive told them Ive never lived at that address they cant even tell me where the apartment is or what else theyve verified outside of my Name And social security number which anyone could have access to considering my wallet was stolen around the same time ( XXXX ) the address that they say I rented isnt on my credit reports anywhere. At this point theyre just violating my rights for XXXX XXXX that I legitimately dont owe the only way to resolve this without legal action is to have this removed from my credit report immediately this defamation of character and improper representation of reporting debt that I owe. I feel like Im being discriminated against because XXXX XXXX and they personally dont want me to succeed
|
| 04/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have been receiving numerous collections calls for {$510.00} XXXX which are inflated move out costs from my old apartment complex which I paid in XX/XX/XXXX. ) XXXX XXXX XXXX inflated my bill, had my balance at {$0.00} u til I called just to verify at the end of XXXX.
I was issued a bill by XXXX in the leasing office for {$510.00} which I paid within hours ( to be sure I would stay in good standing with the housing authority. I knew the costs were inflated but because of the complexs business practices, I wanted to pay and hope for rectification later.
The apartments sent me to collections on XX/XX/XXXX despite me already paying. I believe its partly in retaliation to me leaving a truthful u flattering XXXX review and them being biased with regards to housing recipients.
I have been and am STILL receiving unwanted and unwarranted collection calls from XXXX XXXX even after providing proof of payment of the debt which is invalid to begin with, Ive still been rudely and aggressively harassed.
|
| 09/16/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
In XX/XX/2020 I contacted IQ Data in regards to an collection on my credit report. I contacted the collection agency and informed them that I had no recollection of signing a lease. I moved into the property as a roomate and not a leasor and I know to my knowledge I would have never signed such an obligation. I requested the company to send a copy of the lease in question and I did not see any signature on the actual document but instead an attatched list of electronic signatures i did not recognize as my signature nor do not recognize the IP address. I immediately filed a police report to document the incident. I also have proof I was not living in the property at the time the lease was signed and ended. I only lived there periodically and temporarily. I would like this item to be removed from my credit report on the count of Identity fraud and failure to produce adequate evidence. the signature does not match the signature on my drivers license therefore It is a fraudulent and voidable contract.
|
| 07/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Older American |
|
I had rats and no air conditioning in my apartment. I had to move to a hotel at the request of the management company. Movers refused to enter the apartment as there were live rats running around the apartment and dead rats in traps not cleared for weeks unless a {$2000.00} premium for risk was paid. ( XXXX XXXX did nothing for 2 months being aware of the problem ). I submitted bills in excess of {$8000.00} of which XXXX signed for and refuses to pay for ( legal pending ) Instead the same day XXXX sent a questionable file to I.Q. Data International who contacted me. I told them the story but no matter what I told them they ignored and continued calling me about this questionable debt. I told them that I will have to go legal against XXXX for this debt. For some reason I.Q. Data International put a higher amount on the XXXX file. They did not investigate what I told them or even their client. If they did they would see XXXX has a history of this. I DO NOT OWE ANYTHING AND XXXX XXXX OWES ME MONEY.
|
| 01/28/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I.Q Data International contact me to collect end of lease charges from XXXX XXXX XXXX XXXX Apartments which did not include a discount from the security deposit. After explaining with I.Q Data representative that XXXX XXXX XXXX XXXX Apartments is not including the security deposit in the XXXX statement they threaten with reporting the debt to a credit bureau and continue charging interest on the debt. Therefore, we were force to pay under protest. On the other hand, XXXX XXXX apartments claim that the previous property manager took the security deposit money and that they do not have it. They also ask me to contact that person. The lease shows is the same company XXXX XXXX XXXX managing the account and I shouldn't be looking for individual persons.
I.Q. Data International was not interested in fixing the amount they were charging and only threatening with additional actions, information was provided including copy of the lease stating the amount of the security deposit but there is no response.
|
| 06/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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I lived in the XXXX at XXXX XXXXXXXX XXXX and the ceiling caved in on me in the shower. I reported it and they refused to fix it. I contacted local Legal Aid to find out my next course of action and was given paperwork to serve them and if they did not fix I would be moving out as it was a health violation. Up until that point I was paid on all of my rent and utilities, I moved out before the end of my current month I had paid even. Upon moving out there was no damage besides the ceiling for which I was moving out because of. I have video and picture proof. I asked to do a walk out when I went to turn my key in and they refused. Recently I am working on my credit and have been trying to contact the company it is in collections with to find out why they think I owe this money and have been threatened to sue me, garnish my wages ( I am XXXX ) etc. I have tried in writing as well and have certified proof that every address found on my credit report for this company results in a returned letter.
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| 05/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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IQ Data International has listed an account on my credit report and is continually calling me and adding interest monthly to a balance that has already been paid through a garnishment. I called the attorney handling the garnishment XXXX XXXX XXXX and their collections department XXXX XXXX and was informed that they do not use IQ Data for collections and had never heard of them. The attorney then contacted the original creditor to confirm that this account was not sold to or supposed to be handled by IQ Data and the original creditor stated that they only send accounts to the attorney on record and their collections department which is NOT IQ Data International. At this point everyone is baffled as to how this company got my information and has been adding interest to a balance monthly on my credit report for an account that was never owned by them and is now paid. Upon contacting IQ Data International trying to get this resolved I was spoken to rudely, told I owed it and was then hung up on.
|
| 11/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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I have reached out several times to this company and filed a dispute about this account. I have never lived here nor signed a lease agreement to this property. I have always lived at one address in XXXX, Georgia. This company has failed to comply with me as a consumer protecting my credit profile. In fact they are in huge violation of the FCRA and CFPB. I have informed them numerous times of the violation but instead they send stall letters, re-age the account by updating the date of last activity in hopes of keeping negative information on my profile. They have never provided me with proof or anything. I have been a victim of identity theft and they can retrieve the police report and FTC Report which is linked to my credit profile. This is a nightmare and I ask you please to remove this from my profile. When I spoke with XXXX they said they didnt care if I file a complaint with you guys because CFPB does no t matter and the rep hung up the phone on me. I ask you please to have this removed.
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| 02/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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HI, I have submitted Cheque of XXXX $ on XXXX to XXXX XXXX XXXX.Cheque was cleared on XX/XX/18 XXXXdo n't have details when Apartments guy deposited in Bank.Amount of {$78.00} was shown as collection which was false collection, I disputed it with XXXX XXXX XXXX and XXXX XXXX prooof of Cleared cheque.Except XXXX XXXX and XXXX has removed the collection from Credit report.I have presented the same argument and evidence to XXXX XXXX they refuse to remove the collection saying that Deletion letter should come from Collection agency -IQData .I have applied for Mortgagee loan and my Closing is on XXXXIncorrect collection showing in XXXX report is impactiing my Interest rate and PMI insurance to go up.Request you to look into this case asap, so that Financial loss incurred due to incorrect collection can be taken care of.Meanwhile I am working with IQdata and XXXX XXXX XXXX for collection removal but their response is very slow.Request you to look into this.
Thanks, XXXX XXXX XXXX XXXX XXXX
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| 04/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I moved out of a property in 2018, I paid 1st months rent, last months rent and security ( equal to 1 months rent ) when I initially moved in. I moved out before the end of my last month and never got the pro rated amount for last months rent or security deposit back which was fine, the property was cleaned professionally before I left and was in good shape, then I see on my credit report that I owe this property over {$12000.00} which equates to approximately 5 months rent! I have reached out to this property and have told them this is an egregious act and I absolutely do not owe anything to this property and demand they remove this from my credit report and they have been flagrantly unresponsive! Please help as I have a wife and XXXX XXXX XXXX daughter and this collection on my credit is preventing me from leasing a home in a decent area! I lose sleep over this every night! I have been fighting this since 2018 please please help!
Thanks In Advance For Your Assistance XXXX XXXX XXXX
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| 09/29/2023 |
Yes |
- Debt collection
- Rental debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
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My ex-husband has been contacted by a debt collector who identified themselves as IQ Data. They said we owe {$7000.00} to our previous rental/apartments. When asked if a validation letter was ever sent, the collector advised it was sent to our old apartment which is why it wasn't received. I put in a mail forwarding request with USPS and we never received a validation letter. The collector advised my ex-husband to take out a loan and payment must be made in full in two days otherwise they will assume it is a refusal to pay and send a judgement to seize property or garnish wages. They have not given us any time to dispute the debt nor have we been informed how to dispute the debt. I am writing this on XX/XX/23 at XXXX and the collector advised that we have until this same day at XXXX to make payment before they go through with refusal to pay. The collector 's name is XXXX XXXX and he has also contacted my ex-husband on XX/XX/23 and XX/XX/23 demanding payment with deadlines attached.
|
| 06/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
Servicemember |
|
IQ Data International appeared on my credit file back in XXXX. I've been trying for approx two years to get rid of them. The yhave been very diffcult to deal with. I've asked specifically for information and they have yet to validate this particular debt. All they are doing is harassing me and make idle threats. I just notice today XX/XX/XXXX that they just reported Date of Deliq as XX/XX/XXXX which is Illegal. I know the law in regards to Creditors reporting false information and this information is very much in accurate. Plus this account is not mine and I've prove to this Collection Debtor of those facts I've asked repeatly for validation and they continue to ignore me as a consumer. I've received crazy phone calls that has me stressed out and mentally challenged. I don't know what else to do. These companies should not get away of harassing consumers without any valid proof. Theres no account number theres no type of identification so I can properly dispute.
Adagio on the XXXX
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| 10/25/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I have filed a suit against XXXX as they did not take the necessary steps to protect my personal information. You may view legal information about this data breach on the official website : https : XXXX My lawyer has advised me to contact the Federal Trade Commission to file a legal complaint against your company, as your company is currently reporting information to my credit report that is false and a direct result of identity theft due to the XXXX data breach.
XXXX is currently reporting fraudulent accounts to my credit file, these accounts were a direct result of Identity theft and should not be apart of my credit.
The following accounts should not be apart of my credit file.
1.XXXX XXXX {$330.00} 2.IQ Data {$9300.00} 3.XXXXXXXX XXXX {$820.00} 4.XXXX {$6000.00} 5.XXXX XXXX 6.XXXX XXXX {$6900.00} 7.XXXX XXXX {$170.00} 8.XXXX {$430.00} 9.XXXX XXXX {$370.00} 10.XXXXXXXX XXXX 11.XXXX XXXX 12.XXXX XXXX {$4000.00} 13.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 07/14/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
|
In XX/XX/2017, I was living in a student apartment complex, XXXX XXXX. In XXXX and XXXX, of XXXX, management was aware that maintenance was in my apartment three times without giving my roommates and I notice. It was in our contract, that every time maintenance was to be in our apartment, we would be notified. No one was home during these maintenance appointments. However, during one of the three visits, {$1500.00} was stolen out of my room. It also was never replaced. I thought about police report, threatened to sue management, and spoke to the property manager three times. During the last conversation, the property Manager let me know that my roommates and I, due to the inconvenience, would not have to pay the cleaning fee after we move out. Six months to a year after XX/XX/2017, I got a notification that I was being sent to collections for a cleaning fee that I never paid. The cleaning fee that has been sent to IQ Data International Inc., is a fraud account on my credit.
|
| 08/30/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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Dear XXXX : I am writing to you to request that you remove the following unauthorized account from my credit report : Creditor : IQ DATA INTERNATIONAL ( Original Creditor : XXXX XXXX XXXXXXXX XXXX FL ) Account Number : XXXX Amount : {$3200.00} Attached is a copy of the FTC Report I submitted for these fraudulent accounts. I have also sent this report directly to the creditor disputing their reporting.
I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below, and I have included proof of my social security and current address to avoid any delays in your response time.
Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX Social Security Number : XXXX Date of Birth : XX/XX/1991 Birth City : XXXX, Tennessee I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Sincerely, XXXX
|
| 02/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
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Web |
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Debt is damages from an apartment complex we lived at for XXXXXXXX XXXX. Apartment charged us for full replacement without reducing for depreciation and charged for things that are illegal to charge for. I communicated the law to them with links to the government sites that stated what they could charge for and that certain items had to be depreciated. I asked for receipts for the repairs they billed us for and they refused. They told me my only options were to pay, setup a payment plan, or they would send me to collections. I continued to dispute the amount with them and they responded by sending me to collections and refusing to communicate any further with me. I sent a letter disputing the debt to IQ Data Corporation ( the debt collector ) which they acknowledged receiving and said they would get a judgement against me for the debt. It has been over a year since they communicated that and nothing has happened while my credit has continued to be damaged by the debt.
|
| 06/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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|
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
|
| 07/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
IQ DATA INTERNATIONAL INC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven vears.
15 U.S.C. 1681s-2 ( A1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
|
| 08/30/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This was a house that I moved out of and they tried to sue me. I went to court nobody from their company showed up, the judge dismissed this case in its entirety and also noted that the plaintiff being vintage plaza would not be able to seek any monetary damages from me ever nor put anything negative on my credit report and if they did they would be held in contempt of court. I got notified by a collection agency and that's how I found out what was going on. It is on my credit and it is not supposed to be and I am fighting with them to get this removed from my credit. I just went back to court and the judge issued a {$2500.00} contempt of court fine and let it be known that they need to remove this from my credit or they will face a {$10000.00} fine. They do not want to remove this from my credit even though it was never supposed to be there in the beginning I left not owing anything and they still tried to get me for damages after they were told they could not.
|
| 11/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
Dear All, I am submitting this complaint against XXXX XXXX XXXX XXXX XXXX, regarding a debt charged to me, which I do not recognize and do not owe.
I am receiving some calls requesting me to pay this debt, and my name is already in collection with credit bureaus.
I called them today ( XX/XX/18 ) requesting proof of debt and this was refused. IQ associate told me that this document would be provided only if I pay my debt in full.
In addition, I have never received any official letter or any other document via mail, informing me about this debt.
This debt there is no origin, nor documentation, and I Q is just assuming that I owe and not proofing it, which means, this debt does not exist.
Again, my name is in collection, jeopardizing my financial life, without any reason.
I kindly ask for the CFPB to contact I Q requesting appropriate behavior, as well as ask them to remove immediately my name from the collection status.
Many thanks in advance, Best Regards,
|
| 01/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
Over time of Trying to communicate with IQ data international, the way they speak to a person on the phone is very very rude and distasteful. They blame you and make you feel bad for why you even have a debt with them in the first place. Now with covid and its variants things have changed drastically, less hours at work, deaths in the family and with this inaccurate information once the account was closed and sold. I can not get cooperation from this colony whatsoever. Im trying to find a new home for my family but trying to resolve this debt is in the way. And I dont know who to communicate with other than them because they hurt your feelings, make you feel bad, theyre rude as XXXX and they make you cry over the phone. Its heartbreaking, Im just trying to cover what debts I can in this pandemic. I cant get anything extra because of a balance Ive already figured out and had settled 2 years ago. Please help Im desperate. I need a way to feed myself and my family.
|
| 12/12/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On Friday, XX/XX/XXXX, I contacted IQ Data about a settlement offer. The representative offered 90 % which was actually 10 % off of the balance. I have left multiple messages for a manager to contact me regarding my account. The balance owed is not correct. They are charging interest. The customer service representatives are not helpful. I can not register to make a payment online and I am trying to resolve this issue. On XX/XX/XXXX, I also talked with XXXX XXXX and he indicated that my account has to be paid in full and communicated that they dont have to give me a settlement or accept payment arrangements. He also indicated that the payment arrangement were no longer valid because I declined. He told me to use my credit card or ask family. Moreover, I requested to speak to a manager about this on today. I am being transferred to a voicemail but no one is calling back. XXXX was not helpful at all. I emailed compliance regarding this but no one has responded.
|
| 04/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This was a joint account with my husband. This collection was removed from all 3 of my husbands credit reports because it was fraud but it still remains attached to me. On XX/XX/XXXX, I contacted IQ Data International via email per companys request and to verify this debit. I never heard back from them. I constantly called to ask the status of the verification and I was constantly told it hasnt been checked yet. I still received calls about this debt that I do not owe. On XX/XX/XXXX, I disputed this account with XXXX and XXXX. XXXX had no knowledge of the debt and XXXX deleted it due to it being investigated and its not my debt. For whatever reason, XXXX has come back verified. I also received a letter from IQ Data telling me that why will not investigate this anymore because its verified as my debt but they have yet to send me any proof that its mines. Ive been fighting this debt long enough and I need this deleted from my XXXX report as it is not my debt.
|
| 11/27/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have a debt from IQ Data International Inc, on my credit score for quite some time, from an XXXXXXXX XXXX XXXX that I never resided in. I called the apartment complex, and they have no record of me living there or no records of me on file. I have filed multiple disputes through the credit bureau, and the debt has stayed on my credit score for an outstanding amount of money. I have XXXX the company contact information since it has been over 7 years this debt has been on my credit score and has not fallen off. I requested verification of the debt with XXXX who I am assuming is management for this debt company, who told me he has sent me mail about the debt that I never received. I also asked for an itemized list and debt validation on the amount of the debt and he responded with " We're not interested in sending you that information ''. So I told him I wouldn't waste any more of his time since he will not give me the information I requested on this debt.
|
| 11/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Fraudulently claiming XXXX owed on a fully satisfied lease agreement.
Company claims this is an early termination fee for lack of sufficient notice when.
1 They received Mutiple notices 3 months in advance.
2 They refuse to acknowledge they have received the notices despite showing them 3 They claim a 60 day notice is required on a month to month 30 day lease which is violation of Nevada State Law 4 They refuse to acknowledge all written communication that the term of the lease was satisfied in full with more than sufficient notice.
5 They knowingly used litigation trickery to lead us into a month-to-month extension on this 60 day notice without disclosure.
6 The matter is going to court and there is no amount due unless ordered The co-conspirator collection agency they use to exercise this same scam on many people is IQ Data International Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX
|
| 02/11/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
Servicemember |
|
I was notified they took over a debt from a move out that I had received an emailed bill but no follow up on.
Requested them to send me the information via email or fax, they did not, and as I am a XX/XX/XXXXveteran I didn't have a mailing address to give. They were extremely aggressive argumentative and condescending on the phone and gave me anXX/XX/XXXX. Asked for info on the debt and was told there was nothing they could do or send me. I told them multiple times I was willing to pay what I owed if they could provide proof but they were unable to. Felt guilted and coerced into paying and I was threatened with more credit reporting.
They also said I never gave a forwarding address, when looking at the records, on the bill I received there is a forwarding address so that was a lie and they never sent it to the forwarding address. They also said they could not take payments online and forced me to pay over the phone when that was also not true.
|
| 08/25/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
We/ Daughter had moved out of an Apartment At XXXX XXXX in XXXX Ca XXXX We thought our daughter paid the last rent, which she did not, I XXXX XXXX went into the apt office and paid it in person had the manager initial the payment made, however they had already reported this to XXXX XXXX for collection, upon them calling me I told them that this had been paid and to contact XXXX XXXX , I sent them a copy of the Check that had been initialed fast forward almost one year doing a refi and this pops up on my credit score, i had an 800+ credit score before this and am really upset that this in on my report now There manager XXXX XXXX was very rude and I lost my temper with her, at that point she said Im going to just file this as a non payments, I called the apt complex and they said they would fix this and they could not just file a complaint because they were paid Thats it, i have cancelled check from last year, i have initialed check from last year
|
| 05/19/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX IQ Data International : XXXX Dispute : IQ Data International - Original lender : XXXX XXXX XXXX TX I'm writing to dispute the following information that appears on my XXXX consumer report.
On XX/XX/2023, I called IQ Data to request itemized report for the debt listed on my credit that i was not aware of. XXXX XXXX the rep whom i was speaking to stated that he don't have to provide the information because i should not have broke the lease. I attempted to inform him by law that I he is required to provide the information and he stated he don't and will not be sending it to me unless i will pay the debt. i stated why would i pay for something that i didn't have knowledge of, reason i attempted to dispute once before. He transferred me to the supervisor twice but no answer either time. he did state that he can send me something that shows {$2600.00} but not the {$3000.00} because the additional monies is interest and he cant include it.
|
| 04/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
IQ Data International is falsely reporting ( to all three credit reporting agencies ) a debt that is not owed and attempting to collect that debt. Their client ( XXXX XXXX ) has written a letter, on XXXX 's letterhead, noting they have no record of such debt. I sent a request for validation, and it was received by IQ Data Int. on XX/XX/XXXX, and a copy of the XXXX letter was sent along with that ( and again on XX/XX/XXXX ). IQ Data Int. has not provided any response to said letter to date. XXXX XXXX XXXX. confirms that they have no, and have not asked for from their client, any documents that would validate this debt ; rather, computerized communication is used to " validate the debt ''. Despite the letters and phone communication with IQ Data International, they refuse to make any effort to confirm the debt, beyond a computer survey, and hold no documents that verify that I am the intended debtor and/or that the debt is legal/owed in any way.
|
| 12/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
On XX/XX/XXXX I received three calls from a company claiming to be debt collectors.
The first call was at XXXX, second call XXXX, and third call at XXXX. ( California time ) They insisted I pay {$800.00} upfront and give my debt card information over the phone.
I told them I dont mind sending a cashiers check, but they said I can not do that.
I spoke to their female Manger and she mentioned my debt was {$700.00} ... Which is a different amount that was said prior.
I call them at XXXX and ask them to send me a validation letter in the mail, but the guy says they can not do that and if I dont pay today, they will charge me 7 % everyday of interest.
I told the guy I was at work and didnt have a card on me, and he rudely says who doesnt take their wallet to work .. then I tel him I have XXXX XXXX ( only works in stores ) and he starts listing companies Ive never used before.
I would love to pay debts correctly, but this seems like a scam.
|
| 02/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
IQ Data International , INC. add a collection on my credit report who is not mine, charging me for {$2900.00} from XXXX. I sent a letter requesting a proof of any contract in XX/XX/XXXX who I had answer with a supposed contract who do not have my signature but has my name printed on it but NOT MY SIGNATURE. I sent a second letter attached with a copy of a contract they sent to me but I did not have heard back yet They do not have information of any ID or copy barely my hand signature ( Do not have my Driver license information on file who is normally required to do any contract ).. My next step will be filled a Small Claim lawsuit against IQ Data International, INC following items : -Violation of the fair debt collection practices act ( including but not limited to section 807-8 ).
-Violation of the fair credit reporting act ( including but not limited to section 623-a-3 ).
-Violation of ( insert corresponding state laws here if desired ).
|
| 10/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received a call 2 Fridays ago ( XX/XX/XXXX ) from XXXX XXXX from IQ data international. He was calling in regards to XXXX XXXX XXXX. I moved out in XX/XX/XXXX. XXXX was the XXXX person. He wouldn't let me speak. He overtalked me over and over. When given a chance to speak I tried to explain to him my lease was month to month and that I didn't break my lease. I also explained to him why my lease was month to month. I asked him to send me all documents and photos, I was told " you don't have time to review this. After XXXX and I went back and forth he sent over 1 document showing I owed for damages and cleaning, I advised XXXX I was fine with paying for other damages but I was not paying for additional rent, carpet, or cleaning. XXXX stated " even if I remove those charges that are only {$800.00}. He then disconnected my call. This company refuses to help you. XXXX spoke to me as if I was a criminal and was very belittling and harrassing.
|
| 09/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
Servicemember |
|
For 3 years I have tried to get XXXX at XXXX IQ data to remove their error of my credit report. I went to court with them on XXXX occasions due to their property manager at the time saying I and a couple of other residents were not paying rent which wasn't true. Each time, she would find it and the case was dismissed or non suit. Well prior to her I got sick ( XXXX ) and filed bankruptcy. I complained about mold in my apartment and reported it, the inspector came out and gave my apt violations. The manager became angry did some digging and when I moved out later I received collections from IQ data my previous bill that I filed bankruptcy on {$4100.00} from XXXX at XXXX. I showed all my paperwork to several mangers which told me the manager that did the dirty deed was no longer there for other underhanded things and embezzlement ; which I already knew it was talk all over the complex. I could care less I want this removed from my credit.
|
| 04/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I am disputing the validity of the past due debt imposed by XXXX at XXXX XXXX on my credit report. Despite a settlement agreement, the debt is invalid as myself and the other tenant left fully paid up and without any wrongdoing. We possess evidence to support our claim, the condition of the unit upon exit, and we were not formally contacted as required by law.
Furthermore, XXXX at XXXX XXXX has engaged in retaliatory actions against me, including harassment and intimidation tactics. These tactics from them are in response to a documented incident involving a partner of XXXX which brandished a firearm and put myself and my families life in imminent danger. This behavior is unacceptable and must cease immediately.
We demand that XXXX at XXXX XXXX remove the past due debt from my credit report and return our security deposit as required by law and as per terms of our settlement agreement. A fair resolution to this matter is expected.
|
| 05/23/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
XX/XX/2017 a collection was placed on my credit for {$3000.00}. XXXX years later the balance went up to {$5400.00} for alleged damages for a 2 bedroom apartment. I was told to vacate the property within 7 days because my police K-9 bit a neighbors dog requiring 1 stitch, which we offered to pay for. However, the resident chose to report it to the front office and the manager notified my family that we would have an eviction on our record if we didnt leave within 7 days. This obviously violated our lease terms with us having to pay for months of rent without residing at the property. The damage estimate was severely inflated as I was a real estate appraiser for 10 years and based on cost to replace a new 2 bedroom would be far less than the collection. The estimate was not realistic and extremely exaggerated. I am a 100 % Total and permanent XXXX Veteran who served XXXX branches of the military and served my community as a XXXX XXXX.
|
| 05/24/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Today XX/XX/2022, I received a call from I.Q Data International. They call to inform me on a debt from a former apartment complex. I advised the agency that I have tried to set up a monthly payment amount within my budget to the complex and payments are currently being sent at {$300.00}. I also advised that I was working during the call, this comment was totally disregarded by the agent. I advised the agent of my work hours XXXX to XXXX and they insisted I call them at XXXX on a resolution or they will no longer be able to hold the account and enter refusal to pay. I advised them, they are asking me to conduct personal business during my work hours. I also advised them per the fair debt collection act, I have the right to receive the debt in writing within 5 days of contact.. The agent advised the letter was mailed XX/XX/2022 and not sent over night. I advised the agent I will call them to discuss debt after I receive the notice.
|
| 10/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I never gave permission to access my credit report and perform Hard Inquiries to the companies listed here.
1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX Accounts : I disputed below accounts with XXXX on XXXX. My dispute completed and XXXX did not deleted these accounts Collection Accounts : I do not know these collections accounts.
1. XXXX XXXX XXXX - {$1500.00} 2. IQ DATA INTERNATIONAL - {$900.00} 3. XXXX XXXX XXXX - {$12.00}, XXXX.
Credit Cards : I disputed below accounts with XXXX on XXXX. My dispute completed and XXXX did not update the accounts.
I disputed Credit cards : Closed and Balance amount and Unauthorized charges 1. XXXX XXXX XXXX XXXX XXXX - {$3700.00} 2. XXXX XXXX XXXX - {$1300.00} 3. XXXX XXXX XXXX - Master- {$790.00} 4. XXXX XXXX XXXX- Visa XXXX {$1800.00} 5. XXXX XXXX XXXX XXXX - {$16000.00} Kindly help me.
I am the Victim of HARD inquires, un-authorized charges.
Regards XXXX XXXX
|
| 03/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
Hello. I attempted to call IQ Data on XX/XX/2021 in regards to a debt I owed and advised to them I could not pay this full but wanted to make a payments and would pay them in lump sump payment, the representative informed me this was unacceptable, told me to borrow a loan and advised to them did not feel comfortable doing that since I was already in debt. Stated for me to sale items, even suggested to me would be in breach of contract and could cause serious legal action, damage my credit, including wage garnishment etc. I called back and asked for VP IQ Data and was transferred too someone named XXXX was incredibly rude as well and hung up in my face. This was a very bad experience for me. I want to take care of my debt but refuse to work with me while being rude, and threatening. When I would call back to get a reply they would continue to transfer me all around. Last contact advised will document call and hang up in my face.
|
| 08/13/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To Whom It May Concern : Im responding to you sent me this is the first piece of correspondence Ive received from you on this matter.
I believe I do not owe your firm what you say I owe, and I request that you please provide me with the following : tell me what I owe money for illustrate how your firm calculated the total amount in question.
provide me with any copies of signed documents showing that I agreed to pay what you firm claims I owe.
show me that you are licensed in my state, and give me your license number.
stop contacting me about this matter, or any other you have, except to provide me with proof that I owe what you say I owe.
I request that the company that you say I owe money to be sent a copy of this dispute, so that they do not report this on my credit report. I further expect that if you already reported me to a credit bureau, you notify them that I have not and do not agree with this debt in question.
|
| 08/22/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
On XX/XX/XXXX i turned in XXXX orders to the housing department at XXXX XXXX. I moved out XX/XX/XXXX. I am now being charged XXXX $ for rent and XXXX $ in cleaning fees. I told them to keep my deposit for cleaning fees. I called and spoke with IQ data international and they said i owe rent for XXXX because its 30 days from next rent day which is XX/XX/XXXX. Rent is due XX/XX/XXXX. That is 31 days. That was incorrect. I should have not been charged for XXXX and my deposit should have covered all cleaning fees. I was then told my deposit was given as a gift to the apartment company and it does not cover cleaning charges. The apartments only accepted money orders which i have proof taking it out XX/XX/XXXX. Please help me to take care of this for my credit. I feel like i have been wronged. I asked for proof from the apartments that i paid and they told me there under new management and have no proof of my orders and what i paid.
|
| 07/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
THIS IS NOT A DUPLICATE COMPLAINT!!, STOP SAYING THIS IS A DUPLICATE. THIS MATTER WAS NOT RESOLVED!! There was not A RESPONSE IN 30 DAYS after XX/XX/2021, therefore this needs to be deleted. The account was not validated within 30 days of requesting validation.
I have sent 2 correspondence letters to dispute the validity of the debit within the initial 30 day period ( the third letter was sent via certified mail to ensure delivery/signature confirmation ) requesting validation of debt ( I disputed the {$3500.00} debt that you are attempting to collect is unlawful and it violate the FDCPA. I do not owe {$3500.00} that's inaccurate ) however as of date I have received no response from this collection agency however they are still continuing to report inaccurate unverified information on my credit report.Yet, they continue to report negative information to the credit bureaus making it hard for me to maintain good credit.
|
| 06/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
Property Management : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX The debt is for apartment lease. First of all, I tried my best even before I move out to get a statement ( sent emails, registered letters by XXXX, handed letters to the office ) from the property management to pay, but because of their miscommunication and carelessness, I received a statement after XXXX months accompanied with annoying calls from a collection agency. The property management by the community XXXX offered me a settlement payment, it's overcharge but I paid to end this issue. The agency keeps frequently sending me short missed calls, and when answers, they threaten me to report my credit file and go to court. I told them many times that I settled my payment but they still threatening me and lastly asked me how much did I pay to the property! They call me while driving, eating or working and within meetings, they rudely speak and disturb my day.
|
| 12/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I was made aware of a seemingly erroneous debt that had come up on an apartment screening. When I learned of the debt servicer IQ Data International I attempted to contact them in order to resolve the issue.
After they almost coerced me into paying a debt they had yet to verify. I asked for debt verification along with the proof of the agreement where this debt originated. Once I asked for this, the tone changed and the person on the other side of the line became very rude. Wouldn't stop talking over me, and eventually responded with " I don't care what you have to say '' essentially no longer listening to me and only wanting me to pay up. I hung up before they could get any nastier.
As soon as I asked for clarity on the debt they are trying to collect they became unruly and unable to communicate.
This didn't feel legitimate. This felt like a shakedown from someone who has too much of my personal information.
|
| 05/23/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Hello, I took the time to contact IQ DATA INTERNATIONAL at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX on XX/XX/XXXX via a debt verification letter in the mail. It is XX/XX/XXXX, and I had not received correspondence. I called them today, XX/XX/XXXX to see if they had sent a letter in the mail with the debt verification. They indeed proved that they did not. The representative I spoke to was very rude and started screaming and talking over me about a letter in XXXX. I explained to her that whatever debt she is alleging happened in XXXX has nothing to do with when I asked for debt verification in XX/XX/XXXX. I then let them know that not responding to a debt verification letter will prompt me to contact the CFPB. She continued to talk over me, got extremely upset because I kept referring to the debt as " alleged '' until they prove it via verification letter, and eventually hung up. I have a recording of this call.
|
| 03/19/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
In accordance with the Fair Credit reporting Act. Thus account below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. law XXXX XXXX XXXX -Account # XXXX, 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 10/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/2020 I was laid off due to covid-19. I was leasing an apartment from The XXXX XXXX XXXX XXXX, I contacted the leasing agency XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX in writing with proof that I was laid off and requested to enter deferment. He wrongfully told me that in order to enter deferment I had to pay 50 % of my balance, which I could not. They then proceeded to put a 3 day notice to quit on my door or I was getting evicted. So I moved out and upon moving out they added a bunch of late fees to my bill, and sent me to collections with IQ DATA debt collector. ID DATA demanded money and would not hear me out that The XXXX XXXX XXXX XXXX wrongfully would not let me enter deferment, demanded all of the balance including the late fees and the entire rest of the lease even though I had vacated. IQ DATA then reported to the credit bureau and I have been trying to resolve and dispute this for months.
|
| 10/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This letter is to express grievance with XXXX XXXX XXXX XXXX for unfair late fee charges that run contrary to Texas Codes, specifically : Texas Property Code 92.019.
Texas Property Code 92.019 prevents landlords from charging more than 10 % of monthly rent for late fees. On 4 occasions, XXXX XXXX XXXX XXXX issued late that exceeded the state allowed amount by more than 60 %. According to Texas Property Code 92.019, because my rent is XXXX XXXX monthly and more than 4 dwellings are housed in the building, late fees should be {$68.00}.
On the following date, XXXX XXXX XXXX XXXXXXXX fined me {$160.00} : 1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX Furthermore, XXXX XXXX XXXX XXXX disobeyed the CARES Act moratorium that prevents landlords from charging late fees from XXXX XX/XX/XXXX. However, XXXX XXXX billed late fees on the following dates : 1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX XX/XX/XXXX
|
| 05/19/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
Sirs, I was sent to collections by my apartment complex for move out charges in 17 days without a bill, a email. phone call. a opportunity to pay in a reasonable time frame, no ability to dispute charges. I believe they did not act in good faith, abused the process to change {$3700.00}. Charges include rug replacement and paint dispute the fact that I lived there 7 years, This meets normal wear and tear definition. They charged me for a dryer ... .it worked when I left. They charged $ {$1300.00} in " other '' charges. They ken these were questionable charges so they abused the collections process to force payment. Please help us the consumer because this is unfair and becoming rampant. My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. The apartment complex is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. The collections agency id IQ Data XXXX XXXX XXXX XXXX WA XXXX. My phone # XXXX
|
| 08/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
The apartment complex where I stayed from XX/XX/2017 to XX/XX/2017 said I failed to give them written notice before moving out. So they request that I pay them for the XX/XX/2017 rent and that I owe them {$300.00}. However, with interest, that amount has ballooned to {$390.00}.
I have documentation that proves that I gave them advance notice of 30 days and that the apartment manager acknowledged that notice in writing. I sent I.Q. Data International all the information five years ago, and they still refuse to remove this adverse information from my credit report, Moreover, I even offered to settle this debt on the assurance that they would remove the information off my credit report. But they have refused for over five years. Furthermore, the statute of limitation has run on this debt in Oklahoma and they are unable to collect it through the courts. I need help getting this debt off my credit report.
|
| 08/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In 2018 we lived in an apartment complex, and were in our last month of the lease. During this time the unit was flooded by a leak from another unit, and cause damage to our unit including all of our furniture. It was also during this time that there was a change in management companies. We attempted to explain the situation to the new management company, but they refused to accept anything less than us paying for the damage. We refused, and it was turned over to a collection agency. I again disputed the debt with the collection agency, but they refused to listen. At the time they were given pictures, and documents as proof of the damage, but still refused to accept nothing less than us paying for damages to the unit. We lived for several month with a large hole in our bathroom wall due to this issue. We do not believe this debt is owed by us, and believe false information was used to create the debt.
|
| 03/31/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
My account number is XXXX. OnXX/XX/XXXX I called into XXXX XXXX XXXX and I spoke to a XXXX at XXXX. She started the call asking for my Social security number and then provided me with my first and last name. She refused to assist me and stated that she would not approve a payment plan for me because I would not give her personal information. I stated I what I could pay however she would not set anything up for me. She was unclear and would not answer my questions on what would happen to my account. I asked to make a payment and while I was walking to my wallet she laughed at me and was very rude/unprofessional. I called back and talked to a XXXX at XXXX he did not ask for my name or social security number and provided me with my account number over the phone. I am concerned about information released and the fact that the company refuses to assist their customers. XXXX did not even attempt to help me.
|
| 11/12/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have been trying to arrive at a resolution with this company about this debt I have with them. They are a collection agency collecting for an apartment company that I highly disagree with the exaggerated dollar amount they are inflating and claim is rightfully owed. This is one of the more difficult problems I have faced as these companies inflate the debt with bogus charges and have no oversight or supervision from regulatory agencies so a small debt can turn exponentially large without merit, but also without recourse to fight it. Therefore I have been trying to negotiate a settlement with this company but there refusal to cooperate or provide me with a reasonable way out is extremely discouraging, unfair and abusive. Therefore I am imploring the CFPB to investigate the validity of these bogus inflated charges against me and as a whole audit the aggressive collection tactics deployed by IQ Data.
|
| 05/29/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have filed a couple other complaints about this companies illegal actions and not notifying me and putting this on my credit report and dont notify me. I file a complaint with Illinios Attorney General as well, which this companies reply to them proves their illegal action as well as false information to this agency saying they did notify me.
In IQ Data International response to The illinios Attorney General they clearly state I was not notified till XX/XX/2023 and previous letters they say they sent was sent back and I was not given any notification and the opportunity to resolve this before they put this on my credit report XX/XX/2023. See the attached letter they sent clearly stated their letters were returned to them. They reply to this agency several times that I did received correspondence which is clearly false, showing this companies illegal actions and false s statements to this agency.
|
| 10/02/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I requested documentation asking them to show me where I signed a contract with them ( I.Q. Data International , Inc ) and I asked them for proof that they are legally authorized to collect in the state of Georgia and balance breakdown of ALL charges. Theyve violated my consumer rights under the Fair Debt Collection Practices Act 15 U.S.C. 1692 ( g ) Section 809 ( b ). I was also violated because under U.S.C. 1681 Section 602 ( a ) states I reserve the privacy and I asked for them to remove this from my credit since I didnt give them written consent to furnish this account, under U.S.C . 1681 Section 604 ( a ), this is my right and Ive been violated by this company. This company is also violating me because they arent even licensed to collect debt in the state of Georgia. I didnt get any of the information I requested from this company to show prove that they arent violating my consumer rights.
|
| 08/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
An account that does not belong to me appears on my credit report, I have asked them to prove that the debt belongs to me and they have not answered me, I have disputed with the CRA agencies but they only indicate that the debt is verified ; I have called IQ DATA to tell them that they are making a mistake, but they have ignored it. In my last communication, they only asked me for the amount that I was willing to pay to solve this, I have informed them that they are confusing the person and continue to insist that we must reach an economic settlement. I have asked them for proof that the debt is mine and they have never provided it to me. When I call them and give them my information, they refer me to one person or another because it is not easy for them to locate the alleged debt until they contact XXXX XXXX XXXX and he tells me that the only way to solve this is by coming to a payment amount.
|
| 07/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I received a letter that I owed over XXXX XXXXXXXX to an apartment that " didnt receive '' our break lease fee. They charged us rent until the end of our lease despite ample notice and not cashing our break lease fee. They never called or sent a letter to our forwarding address of any bill owing. After they sent us to collections I still have not received any paperwork of what is exactly charged from the apartment. I was told if I didn't apply for a loan through XXXX they wouldn't allow me to setup a payment plan and they would damage my credit by reporting me to the credit agency. I tried to setup a payment for the XXXX of the next month only a few days to a week away and they demanded immediate payment or they wouldn't work with me. Again I felt threatened and I still don't knew exactly what I owe from the apartment I believe fraudulently didn't cash my check so they could collect more.
|
| 03/30/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
The debt is for an apartment. The apartment company never notified us that we owed money, so I asked the debt collector why I owed. The woman told me per HIPAA laws I had to pay to have the carpet replaced, which is clearly false. This was after I asked them for an itemized detail of the debt owed which they refused. I asked for their address to send proof I dont owe money, two agents refused to provide their mailing information. All I wanted was a chance to show that I did not owe what they were claiming, because I have documentation that proves I do not owe money. One agent said if youre poor and dont have money just say that and called me a liar when I said that I didnt owe the money. The person then hung up on me. Ive talked to multiple agents from this company and they have all been verbally abusive. In addition to this, I have asked that they dont call me yet they continue to do so.
|
| 03/16/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
The company IQ DATA INTERNATIONAL is trying to make me responsible for an account that does not belong to me however theyre saying now that someone else has paid for the account and paid it off but they still have it on my credit and it does not belong to me I have no knowledge of this account is not my account it dont belong to me and it may be on my credit report due to identity death but the company would not remove it off my account when it doesnt belong to me and someone else obviously almost is account and they are paying for the account but they still are reporting it negatively on my account when theyre saying someone has already paid or settled the account with them but it is still on my credit report and it Never should have been on my credit report believes it does not belong to me and this company IQ DATA INTERNATIONAL is not even willing to remove it off of my credit report.
|
| 12/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am writing to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms ''. I'd like to bring your attention to the case XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression.
Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the refenced accounts that need to be updated to reflect positive and or removed from my credit report. Specifically, the following items on my report are disputed in attached document
|
| 09/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I was called multiple times a day several days a week. Didnt know the number so I didnt answer until they left a voicemail and then I called back. The guy named XXXX was not very knowledgeable because he was new, talked to supervisor named XXXX who helped me resolve the issue and figure out plan for payment. Then I was getting constantly called again a few days later by XXXX and I explained I had resolved everything with XXXX but then he sent me to his supervisor XXXX who kept yelling at me and saying I was refusing to pay when that was not the case. I said they have the recordings of my precious conversation with XXXX and our plan but XXXX said he wasnt going to listen to any tape and that I was refusing to pay and he threatened to harm my credit and threatened saying hes going to get my money no matter what and he has all my information And will get his money. Then he hung up on me
|
| 11/01/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a call from the debt collector ( IQ Data ) on XX/XX/23. They advised I owed {$370.00} for the XXXX XXXX XXXXXXXX XXXX apartment complex. I informed them the debt amount was false and the bill in question was paid for nearly a year prior. I was informed by the apartment I owed {$31.00} at move out and paid that amount via check. I even had further communication with the apartment complex where they in writing told me I owed nothing. I also reached out to the apartment complex after receiving the call from the debt collector and the apartment complex told me in writing it was a mistake and I did not owe the money. The debt collector asked that I send the proof to them via email and they'd take care of it. I have since sent follow up emails and called them to see if the items were received and they either don't respond or tell me the person who could tell me isn't available.
|
| 05/17/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This debt collection company is trying to collect debt that is not owed to them. They apparently bought debt from an apartment complex that I use to live in. I have spoken with them several times and told them that the {$5800.00}. Is not the amount of the debt owed! This amount is totally wrong! I left the apartment in XX/XX/2022. They are claiming in XXXX of 2022that debt was owed. I turned in my notice to evacuate the apartment in XXXX of 2022 more than 60 days before I moved out. Matter of fact another tenant moved in to my apartment in XXXX the same month I moved out! So how can I owe them additional rent? They are committing fraud and abuse! They have put this on my credit report and bringing my score down. Also making it hard for me to rent another apartment. I have called them about this several times and contacted the credit bureaus about it. But to nothing is being done.
|
| 03/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
During the shelter in place when covid-19 first hit I was not able to work for two months. I was not able to pay my rent for two months because of this. I tried paying the landlord back but could not afford the additional repayment amount and the rent. So I had to move. They submitted the remaining balance to a collections company named IQ Data International with a balance of around 4k. I started paying them 300 a month for a little over a year now. Two months ago I contracted XXXX and was off work without pay for two weeks. I still owe them 2k. They they told me to use my income tax return to pay them back. I have taken a reduction in hours at work due to Covid and I cant make that payment right now. I need more time. But they are threatening legal action, wage garnishment and make me pay for their legal fees. Im barely hanging on now. I want to pay them I just need more time.
|
| 07/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
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(XX/XX/2023 ) I attempted to log into my account online and it is locked. I called the agency, asked for my account to be unlocked then spoke to them to see if a negotiated amount to resolve the account is an option. I was given an amount and stated I needed to checkmy finances and will call back or log into the account and resolve the matter. They were pushy and adimate they would stay on hold while I checked my bank. I explaned this is not a 30 second decision and I need to look over other bills before I make my decision and I would still like my account to be unlocked. They still were very pushy and I ended the call.
( XX/XX/2023 ) I attempted to log in to my account, it was still locked. I received a phone call from the agency wanting to review the offer, I stated my account is locked and I would like it unlocked. I was told no to unlocking the account. I ended the call.
|
| 12/22/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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Some collection agency named IQ Data International is reporting that I have a {$5400.00} collection account on my credit report for some kind of debt in the past. You can hardly get in contact with this collection agency, but when I have, I have expressed my doubt that I have any outstanding debts of that size. Therefore, I have repeatedly requested that IQ Data International send me a complete breakdown of the {$5400.00} they claim I owe from the creditor that they represent, along with an itemized detail of the charges that constitute the supposed {$5400.00} debt. But unfortunately, my requests for information to verify this debt have gone ignored for months. This collection agency refuses to verify this debt, but continues to report it on my credit report despite my objections. This puts this collection agency in direct defiance of the Fair Debt Collection Practices Act.
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| 08/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
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|
XXXX : IQ Data International harassed my mother in law for my information XXXX : I contacted IQ Data International and the collector lied and said if I put a card on file it would buy me time to make the payment. I was never provided written information regarding this debt and was never informed about a dispute process. I did inform the agent I was unemployed at the time but was starting a new job in 2 weeks.
XXXX : Called to set up payment for a week later than previous discussed and was told I could not due that after being told I could set up a different payment arrangement with my husband. Asked to cancel the payment and was denied. Asked to speak to the manager. XXXX, the manager, threatened to call my husbands employer and garnish all his wages. He used foul and threaten language when I attempted to schedule a full payment. Called me incompetent and hung up on me.
|
| 01/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I recently noticed a false report to my credit file. After requesting my credit file, I noticed a negative inaccurate report on my credit file. The report states that I owe {$5800.00} to I.Q Data international Inc. located in XXXX Washington. On XX/XX/XXXX I sent a Debit Validation Letter to I.Q Data International Inc. and two other companies on my credit file. The other two companies have since then responded with a decision. As of XX/XX/XXXX, I.Q Data International Inc has not responded to my request. Furthermore, the amount of debt reported has since then increased from {$5800.00} to {$5900.00}.
Enclosed are copies of receipt indicating the date I sent the letter demanding validation of debt and proof that the company received my request.
Meanwhile the report is currently affecting my credit report. By the way this is the only negative report on my credit file.
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| 06/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
|
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I was contacted today XX/XX/XXXX by a representative from IQ Data identifying as a dept collector. Collecting for a supposedly past due bill at XXXX XXXX XXXX in XXXX, WA which I lived at and moved out of in XXXX! I find this to be very suspicious because I have never received any bill stating I owed anything to XXXX XXXX or been contacted by anyone until today XX/XX/XXXX by IQ Data. They threatened me multiple times about my credit if I hung up, even after I told them several times I was busy watching my son play lacrosse in a tournament. While they wouldnt provide any documentation of the dept until I was about to hang up. See attached document.
I have contacted management at XXXX XXXX to validate if this is real on XX/XX/XXXX via email and voicemail but have not heard back as of yet.
Please let me know if you need any additional details.
Thank you, XXXX XXXX
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| 11/08/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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In XX/XX/XXXX, this collection agency proceeded to try to collect funds that were NOT owed and while the litigation of the case was in process. This has been an ongoing legal issue with original creditor since XXXX. The collection agency failed to provide validation the debt all while knowing this account was going through the litigation process. The counsel for the Apartment complex has been willing to work with my attorneys to resolve this matter and they have agreed to settle this issue. I can not share all of the allegations and filings but I can share the response from their clients general counsel that proves this collection agency is in violation. This collection agency had enough proof to remove this collection while my attorney worked with their clients attorney and refused. They have damaged my credit for over a year and legal proceedings will begin.
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| 12/20/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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On XX/XX/XXXX i received my receipt for paying off my debt from IQ Data systems. Since then i have repeatedly been harassed by the companies employees. They continue to contact me without investigating on their side where my money went, I have asked every single person that has called me to please get with their management to help them find the payment and all they do is continue to call me and harass me via phone with an entire new person on the line and all the employees claim that I end the call but they are the ones ending the call because i refuse to pay them a debt that has already been paid.
This has been going on since XXXX and to be completely honest prior to paying the debt the employees yelled and talked in a very aggressive manner when i asked them for more time to pay.
I would like to please have them stop calling me and harassing me please.
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| 12/11/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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IQ Data International contacted myself and my son who was on a lease of an apartment we rented together. The debt collector threatened to debit the money from my sons account without authorization and threatened to report the debt to the credit reporting agencies. When I explained the debt had been paid through XXXXXXXX XXXX XXXX that I purchased for the rental property they continued to contact me and my son to collect the debt. I called and requested they send me an email so that I can provide proof of the payment. When I spoke to the rental company I originally had the debt with they confirmed the debt was paid and was not sent to collections. The debt collector refused to provide me with a name of operator, authorization and proof they currently owned the debt. I explained the debt was paid, they were not allowed to contact me anymore yet they continue.
|
| 10/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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This creditor IQ DATA INTERNATIONAL is still violating my rights to privacy of 15 U.S.C 1681. 15 U.S.C 1681 section 604 -A section 2 states a consumer reporting agency can not furnish a account without my written consent, this company sent me paperwork from a company they represent with a forged signature, I do not owe IQ DATA INTERNATIONAL Any Money and I demand that they provide actual validation with my WRITTEN CONSENT, I also demand a copy of the contract binding both parties ( IQ DATA & the company they are representing ) In a letter by certified mail so that their is a independent witness to it having been delivered, ALSO IF SUCH CAN NOT BE PROVIDED I DEMAND IQ DATA INTERNATIONAL TO BE PERMANENTLY REMOVED, DELETED FROM MY CREDIT REPORT I also demand a response from IQ DATA within 5 days as listed in the terms of the the consumer book! kind regards!
|
| 06/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Iq data international says I owe for XXXXXXXX XXXX apartments, I have never leased from XXXXXXXX XXXX apartments and told them that, the company I leased from no longer is in business and they would not remove snakes from property and my wife was terrified and caused her issues and we had to move, they refused to help in anyway and were responsible for pest removal. We moved and my rent was paid to date when we did. They broke contract by not removing snakes from my front door, the only way out and my wife suffered from this. This was on my report for seven years and I never contacted them but they changed amounts on my report to make it look like I was doing something, now they have put this back on my credit report and I have never spoke with them in over 7 years. They are falsifying information to try and get me to pay something I'm not going to pay.
|
| 05/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Servicemember |
|
Everytime I called about payment of a debt that was outsourced to them they were rude, they practice illegal/abuse acts and tactics to attempt to collect debts, so we paid the creditor XXXX XXXX XXXX XXXX directly. After paying the creditor we were told by reps from this company that they would not remove. The creditor already assured us that this agency is a 3rd party and they are contracted by the creditor. The creditor informed us that it would be removed. I spoke to 3 reps all who refused to transfer me to a supervisor and were speaking to me in condescending manners/tones also all stating that it would not be removed. I informed each rep that I would contact the CFPB and each time I was responded to with a laugh. Also, I spoke to the creditor who informed me that she spoke to this company directly AGAIN and told them to remove it from our reports.
|
| 08/22/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
Servicemember |
|
It clearly demonstrates that information appearing on my credit report is inaccurate and is damaging my character, credibility, or ability to obtain credit. I've learned that I can seek Injunctive Relief through the courts.This is a false and misleading tactic used by the creditor and is it illegal.Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed.Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX.As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life.
|
| 11/02/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
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This is a HIPAA Violation.This account has been going on for about two years. On XXXX they called threating me as i was going to jail and getting sued. I have no knowledge of this account and amount because it was paid. I also know that the apartment complex sold my information to this company and i never owed this much they charged interest every day and i do not know why. Two years ago spoke with complex they explained they did not have anything for me because this was due to HArvey ( a storm ) and everything was charged off. They then called a family member on XXXX and provided all information. This account has been closed and was no longer reporting under the original company. They then said just for that they will place it back on my credit and it is showing up on my reports. This is illegal and they shared my personal information and address.
|
| 06/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
The debt is for " repairs '' that were made to a property when I moved out of the apartment. I was overcharged for painting when as tenant over 3 years, painting is considered " wear and tear '' but charged costly for painting. Also left the apartment early and requested repairs. Repairs did not take place but after and the cost for replacing a curtain was for a small window was over {$100.00}. Complained to the leasing office to no avail. Stood my ground to not pay for ridiculous cost of the damages. Now the company I.Q. Data International , Inc. located in XXXX, WA XXXX wants to collect {$300.00} for a {$100.00} cost and repairs to the apartment. I gave them a call looking to settle at 40 % of the cost but the owner yelled, talked over me and tried to intimidate me over lawyer fees and cost. Please help im looking to pay but this is ridiculous.
|
| 02/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I spoke with a man named XXXX from XXXX XXXX XXXX about a debt I have not heard of for XXXX XXXX years. I asked him to send me an itemized list of the charges and that I wanted to dispute it since I was told by the apartment complex that the debt was cleared. He got very aggressive and refused to send any documents to me until I agreed to pay the debt. I let him know that I was not comfortable agreeing to anything until I have proof something is owed and he made threats about this hurting my credit and continued to refuse to send me the list I requested unless I did what he asked. I disputed the charge in 2020 and never heard back from XXXX XXXX XXXX after I spoke with the apartment complex.
This is poor business practice and my research and calls to law offices said that they are not allowed to without important documentation once requested.
|
| 08/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
ON XX/XX/XXXX, I MOVED OUT OF MY APARTMENT AT XXXX XXXX XXXX XXXX, TX. I SENT LEASING OFFICE PICTURES OF MY MOVE-OUT. I STILL INCURRED FEES FOR XX/XX/XXXX. I'M ATTACHING LEDGER AND CHECK PAYMENTS THAT THE DEBT WAS PAID AND I HAD A XXXX BALANCE. THE PREVIOUS COMPANY XXXX XXXX CLOSED DUE TO BEING SUED FOR ILLEGAL PRACTICES. THE AMOUNT WAS PAID XX/XX/XXXX. IT WAS SUBMITTED TO IQ DATA INTERNATIONAL IN XXXX OF XXXX. THE AMOUNT THAT WAS SENT IN SHOWS DOUBLE THE AMOUNT OF WHAT I ALREADY PAID, AND NOW ITS SHOWING INTEREST ADDED. IQ DATA KEEP VALIDATING THE DEBT AS VALID. I WENT TO XXXX XXXX AND TRIED TO GET THIS RECTIFIED BECAUSE THIS IS CAUSING ME NOT GET ANOTHER APARTMENT. THE OFFICE MANAGER SAID SHE COULDN'T HELP ME BECAUSE I NEED TO SPEAK TO THE PREVIOUS MANAGEMENT COMPANY, BUT THEY ARE CLOSED AND ALL NUMBERS LISTED ON INTERNET ARE DISCONNECTED.
|
| 10/16/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I called to settle a debt in the amount of {$570.00}. I asked if I paid the debt, if the negative remarks could be removed. He said they would absolutely remove the negative marks once I paid the debt in full. I then asked for that in writing which he refused. I then asked for a statement of my debt for verification. He also refused. When I expressed reluctance to pay him money without a financial statement of my debt, the debt collector threatened that if I did not pay immediately that his " one time offer " to delete it off my credit was off the table. He states " once you hang up the phone I can't help you because this one time offer is only good on the first communication, after that it is void " This quite honestly seems like an unfair practice to collect a debt. I have rights to receive a written statement of my debt which he refused
|
| 01/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/2021 sent a letter regarding inaccurate and unknown things in my credit report. To this day over about 2 months later, I have yet to receive a response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives me a reason to immediately remove these items from my credit report. It's been about 2 months now so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress that was caused to me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. I AM NOT USING A CREDIT REPAIR COMPANY, I AM REPORTING THIS VIOLATION ON MY OWN BEHALF. I'VE ATTACHED MY LETTER, AND A UTILITY BILL FOR FURTHER VERIFICATION.
|
| 02/12/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
On XX/XX/2020, during the stay in place shelter Covid-19 pandemic. I began to receive mutiple threatening phone calls from IQ Data International , IncXXXX XXXX XXXX Washington . I send a certified letter disputing the debt, I called IQ Data on the phone disputing the debt, ALL THE EMPLOYEES told me I'm a liar, I need to pay my bills! I owe the debt & IQ data wants thier money!! I send emails with documents proving I don't owe the debt. IQ data has REFUSES to remove my debt out of collections. IQ Data International RUINED my FICO score, my FICO score was decreased by 100 points. IQ Data International is a SCAM collections agency. I contacted XXXX & XXXX to dispute the FRAUDULENT collections debt. It's illegal to collect a FRAUD BILL! I do not owe money, I will not be harrassed or threatened by IQ data to pay a debt, I do not OWE {$660.00}
|
| 06/23/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
A company named I.Q. Data International , Inc. is telling me that there is interest being charged on my account. They have added nearly XXXX dollars to a debt of XXXX.
On XX/XX/2021 at around XXXX XXXX I asked I.Q. Data International , Inc. why I was being charged interest that I had not agreed to. They told me that the " state '' is mandating them to charge interest. I asked them what state was mandating them to charge me interest, they would not name an actual state. They would only say " the state in which the debt was accrued ''. I asked them which state the debt was accrued in, and they refuse to tell me what state.
My concern is that I am being lied to about a state mandating interest be paid.
I am also wishing to find out which state is mandating it so I can work with that state to learn more of their policies and options.
|
| 01/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
hello, my issue is with IQ Data INT out of XXXX, WA i have sent several letters to them directly starting on XX/XX/XXXX no response i sent out another letter asking them to validate this alleged debt on XX/XX/XXXX 3rd correspondent sent on XX/XX/XXXX last one sent on XX/XX/XXXX and still nothing. this false unverified reporting is stopping me from moving on with my life after college i just completed. they are reporting that i lived in a complex and owe them and it is not true and reporting inaccuratley i have also sent letters to all 3 credit agencies, XXXX, XXXX, XXXX and to have gotten no response month after month. i just dont know what to do at this point to get a fair and accurate repsonse from this place reporting horribly on my credit report. i read somewhere that your agency could help me as a consumer. i hope so please help.
|
| 05/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
Servicemember |
|
In XXXX of XXXX I was a victim of fraud due to my apartment complex managers email getting hacked. This happen at the beginning of covid I received an email from apartment mangers email stating due to COVID and California being on shutdown all rent payments where to be sent to wiring information that was sent in email with XXXX XXXX XXXX letter head attached. I made rent payments to the wire information. I later found a month later that it was a scam. I tried reporting issue to my bank they said they were unable to recover funds due to it being a wire. I have been in a debt with property management company for a few years now. Debt was in collections I filled dispute and it was removed. Now they have sold debt to new collection agency which whom I have never done business with and they are charging me interest on top of the balance.
|
| 03/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XXXX XXXX I.Q.Data International attempted to fraudulently collect a debt of XXXX that was illegal sold by actual creditor. Not only did they attempt to collect, they caused defamation of character by reporting false signatures and information to XXXX, XXXX, and. XXXX. I did not give them permission to discuss or disclose anything about myself or my personal credit. They are violationg Consumer laws 15 U.S.CODE 1692 ( d ) & ( e ), 15 U.S.CODE 1681 ( b ) & ( c ). I will also bring a cause of action for tortious interference against the acting parties involved and seeking penalties under, 15 U.S.C. 1640- Civil liability section ( A-L ) monetary damages to be proved at trial. I demand that they stop this predatorial misconduct ; revoke my signature for all unauthorized usage. I have my own dividens to shield and will strongly do so.
|
| 09/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I.Q. Data International , INC XXXX # XXXX Trying to collect an alleged debt, but are not licensed to collect any sorts of debts in the state of Georgia upon checking the NMLS Consumer Access, I.Q. Data International is only licensed to collect debts in the following states, Arizona, Connecticut, Idaho, Indiana-SOS, Maryland, Massachusetts, Nebraska, Nevada, New Mexico XXXX North Dakota XXXX Oregon, Rhode Island XXXX Wyoming.
also I asked for a validation of debt that I owe to I.Q. data also requested the contract and signature that I provided to I.Q. Data ( which I never have had any business with this company ), also they are violating many consumer right code, they are violating my consumer right to privacy pursuant to 15 USC 1681 b this company has NO permission to report anything using my personal info pursuant to 15USC 1681 4.
|
| 11/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2020, I received a call from XXXX XXXX at IQ Data International stating that we owed {$6800.00} for the cancellation of our prior lease. Ms. XXXX stated that IQ Data bought the debt from our property owner on XX/XX/2020, and that this was a " final notice ''. Ms. XXXX stated that if we did not pay the balance in full today she would charge interest, conduct an employment check, and report us to the credit agencies. We informed Ms. XXXX that we never received any notification - in writing, via email, or phone - of the amount due. We also informed her that we negotiated with the creditor to enter into a payment plan to repay the debt, and were prepared to pay based on that plan. Ms. XXXX indicated that no payment plan would be offered, and the debt had to be paid in full the same day ( XXXX ) that we were notified it existed.
|
| 09/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I.Q. Data International XXXX XXXX XXXX # XXXX Trying to collect an alleged debt, but are not licensed to collect any sorts of debts in the state of Georgia upon checking the XXXX XXXX XXXX I.Q. Data International is only licensed to collect debts in the following states, Arizona, Connecticut, Idaho, Indiana-SOS, Maryland, Massachusetts, Nebraska, Nevada, New Mexico XXXX North Dakota XXXX Oregon, Rhode Island XXXX Wyoming.
also I asked for a validation of debt that I owe to I.Q. data also requested the contract and signature that I provided to I.Q. Data ( which I never have had any business with this company ), also they are violating many consumer right code, they are violating my consumer right to privacy pursuant to 15 USC 1681 b this company has NO permission to report anything using my personal info pursuant to 15USC 1681 4.
|
| 07/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Back in XXXX reached out to company showing up on my 3 credit reports they could not verify any personal info about me such as social or I.D or any Wet Signature Contract with my signature or name I requested several times and still no proof to validate this account belong to me also the credit reporting XXXX, XXXX or XXXX could not provide any proof after asking several times to show me proof according to my rights. No Contract with any information or any Contract with my signature showing Validation of the account.
I have attached the info that was sent to me as you can see my name is no where, there's No Signature, No Contract with my dob, social or any info regarding me.
____________________ 2nd complaint with XXXX XXXX XXXX XXXX XXXX Apartments can not verify or show proof that this account belongs to me. Please Delete.
|
| 04/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XXXX XXXX I.Q. Data International attempted to fraudulently collect a debt of XXXX. Not only did they attempt to collect, but they also caused damage of my GOOD NAME by reporting false signatures and fraudulent information to XXXX, XXXX, and XXXX XXXX. I did not give them permission to discuss or disclose anything about myself or my personal credit. They are violating Consumer laws 15 U.S. CODE 1692 ( d ) & amp ; ( e ), 15 U.S. CODE 1681 ( b ) & amp ; ( c ). I will also bring a cause of action for tortious interference against the acting parties involved and seeking penalties under, 15 U.S.C. 1640- Civil liability section ( A-L ) monetary damages to be proved at trial. I demand that they stop this predatorial misconduct ; revoke my signature for all unauthorized usage. I have my own dividends to shield and will strongly do so.
|
| 10/17/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Good day, I would like to dispute an account which have been affecting me. I rented out a house in XXXX XXXX XXXX through a company name XXXX XXXX XXXX XXXX. This company is falsely charging me for {$5900.00} for damages to the house which is not true. I left the house in the condition I rented it out. The house have genereal wear and tear which I the property management responsibility. I have been a good tenant and paid on time every month. I can't believe they are trying to overcharge me. It was cleaned and no furniture or anthing was left behind. This company is trying to claim I owe which is false information.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 06/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Moved out in XXXX XXXX and sent an email confirming the move out which our lease was about to be up. Got a response that everything was good and we could leave where we moved to XXXX XXXX. Then all of a sudden I check my XX/XX/XXXX because of buying a house and I see a charge amount from XXXX XXXX. So I call them and get the runaround. first I was told they had a lot of turnarounds so he didn't know so then I forward the email then the new manager say there is not he can do. I told him I talked with XXXX XXXX and she could confirm the communication but he said it's already been sent and to file a police report and dispute it. Because it was sent to a collector but on their end, it showed that they kept my deposit of XXXX plus dollars. And now I can't get in touch with any of them the XXXX tried and they got no response either.
|
| 06/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a statement from old apartment center XXXX for due of XXXX $ upon contesting XXXX $ of the charges were dropped & I made a reminder of the payment for XXXX . IQ SENT the reminder as a due to my credit report and upon disputing and raising it on my CFPB it was pulled off. Now in retaliation they sent a new letter for XXXX $ ( ref number XXXX ) without any supporting documentation from original creditor showing what the charges are for. Since IQ has all my information they are going the route of intimidation by sending debt collection notices for a debt not owed.
IQ never sent me the receipt for the XXXX $ I made even after repeated attempts asking for the receipt and I never got a XXXX dollar statement from IQ for the reference letter XXXX. They are causing me extreme stress with these false debt collection notices.
|
| 09/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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The company " IQ DATA INT'L INC '' as shown on my credit report this debt/ collection is not mine I have already disputed this and was not looking into by XXXX this collection appeared out of no where and has since increased it balance within the last 30 days from XXXX to now XXXX this is predatory and dispute was resolved in 1 days not even taking the time to investigate why and who they are abusing my credit report and no one has started to investigate this matter beyond 1 day I have attached 3 documents 3 different amounts days apart from each other.
Section 623 ( a ) ( 1 ) ( B ) .If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.
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| 07/22/2021 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I am disputing this item because I am no longer responsible for this debt. When we bought our home, the realtor XXXX XXXX paid the remaining months from the lease with XXXX. XXXX did receive the funds via check from XXXX XXXX on what was owed along with a signed statement between all parties.
Now XXXX has sold this debt to IQ Data International. Now IQ Data International has been calling daily, constantly from different numbers from XXXX to XXXX. I have never heard of this company, we have no dealings with this company in any form.I had no idea this debt was on my credit until I checked it. Per law, you can't just add anything to a person 's credit report and have not contacted them via mail verifying the debt. Calling and leaving no messages but demanding and threatening I verify myself when I answer my phone is ILLEGAL.
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| 07/22/2021 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I am disputing this item because I am no longer responsible for this debt. When we bought our home, the realtor XXXX XXXX paid the remaining months from the lease with XXXX. XXXX did receive the funds via check from XXXX XXXX on what was owed along with a signed statement between all parties.
Now XXXX has sold this debt to IQ Data International. Now IQ Data International has been calling daily, constantly from different numbers from XXXX to XXXX. I have never heard of this company, we have no dealings with this company in any form.I had no idea this debt was on my credit until I checked it. Per law, you can't just add anything to a person 's credit report and have not contacted them via mail verifying the debt. Calling and leaving no messages but demanding and threatening I verify myself when I answer my phone is ILLEGAL.
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| 12/12/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I declare under penalty of perjury ( under the laws of the United States if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge Further I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements or omission of material facts constitutes a federal criminal violation punishable under 18 U.S. Code 1001 additionally these misstatements are punishable as perjury under 18 U.S. Code 1621. This collection found within my credit report are not related to any transaction that I made I Am alleging that a person or company without my authorization used my personal identifying information to apple for goods, services or money. and was successfully in creating some accounts. All being investigated by the FTC.
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| 02/24/2021 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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IQ data On XX/XX/XXXX first call atempt was told I could not make a seetlement requested it in writing nothing sent Called early XX/XX/XXXX to seea bout the debt I did inquire about a settlement then was told to provide a card for payment I did to run at a later date. Call dropped.
XX/XX/XXXX- called to cancel the payment as I have a right to was told I coukd not and was disrepected and was threatened with a phone call to my job about garnishment and that my kids were really going to suffer now. Was told about using my taxes to pay it off which was fine however he swore he knew i received my taxes already which he would not know, and even if I did he can not tell me how to delegate my finances.
I understand if I get garnished however I don't deserve to XXXX forced into something I cant do at the moment as I presumed.
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| 05/14/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against IQ INTERNATION DATA. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
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| 05/10/2021 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have been disputing this account with the credit bureaus for sometime now. Each time they would say that IQ Data International would verify the debt. So I took it upon myself to ask IQ Data International for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
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| 02/14/2023 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I disputed this before with no results. This is in regards to the collector trying to collect for old carpet, and other things with no proof. We left the XXXX after XXXX months DUE to unsafe living conditions, such as XXXX XXXX XXXX XXXX
This was XX/XX/XXXX, we left XX/XX/XXXX, we were not evicted! He called calls and sent letters, and now he keeps charging interest seems like every XXXX weeks. He has provided no proof of damages, or anything I asked for. I have letters that I sent to the landlord about the living conditions.
There is nothing in the lease that says interest.
you can XXXX XXXX XXXX XXXX/ XXXX, LA and see all the reviews. Charging over XXXX dollars in interest I also had a XXXX in the pool at the apt due to lack of sleep and stress and was sent to the hospital unresponsive. have medical report
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| 12/13/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I declare under penalty of perjury ( under the laws of the United States of executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge further I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C 1001 Additionally these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All being investigated by the FTC.
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| 10/07/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have been living outside of the country since XXXX, I am now looking to move back to the states and I am trying to get a new home. My credit was pulled and my scores were lower than I was anticipating. Upon review of my own credit report I realized there were several inquiries and accounts on my credit report that I was not associated with.
The accounts are listed below : IQ DATA INTERNATIONAL Date opened : XX/XX/XXXX Amount owed : {$14000.00} Account Number : XXXX XXXX XXXX XXXX XXXX XXXX : {$510.00} Date opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Amount owed : {$390.00} Date opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount owed : {$83.00} Account Number : XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount owed : {$0.00} Account Number : XXXX
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| 04/26/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Servicemember |
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This company runs an apartment complex called XXXX XXXX in XXXX XXXX, Oklahoma. In XX/XX/2021, we completed our month-to-month lease with the proper 30 notice. We left because the apartment had become uninhabitable. There was no air conditioning when it was over 94 degrees outside. Roaches, vermin, wasps, raw sewage leaks, and an abandoned apartment below us was being used by homeless vagrants regularly. Gunshots were fired every night. We gave them a 30-day notice even though we didn't have to due to the living conditions. In any other state, they would be considered a XXXX. They now put a collection account on my credit without properly informing me of my right to dispute this claim. I have plenty of video and picture evidence to show they are in fact a XXXX and were making us live in unsafe conditions.
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| 12/15/2020 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XX/XX/XXXX XXXX XXXX XXXX CA billed me for {$7800.00} dollars was send to collections. On XX/XX/XXXX I was incarcerated until XX/XX/XXXX I reached out to the company and they said because my roommate XXXX XXXX XXXX broke the lease agreement early that we our both liable for payments until they rented the unit again since the apartment lease agreement was in both of our names. they never notified me of the payments and just sent it to collections, plus I had a security deposit of {$1500.00} so I don't even get how I own them anything at all and now its in collections and the balance has risen {$10000.00} I now can not rent a apartment or get a car because of this mark on my credit report and the company will not help me with this unfair situation. I disputed this claim via certified letter on XX/XX/XXXX.
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| 05/23/2023 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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Recently ( XXXX ) spoke with XXXX at IQ data international regarding a debt to a property. Tried to start making some type of payments towards balance. Representative was harassing me about making a payment right then and there as well as telling background personal on my end to give me money to make payments. Tried calling again today ( XXXX XXXX ) spoke with him again. He was asking what my paydays were and why I picked a specific date to make a payment. He insinuated I was trying to lease which I why called. He also called me from a spam risk number telling me to make a payment which he gave me a week to think on this payment. Also told him I had a roommate so he states the balance is on both our credits. He states either party can make a payment in order to be removed which I do not think is fair
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| 06/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Public record information inaccurate
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Web |
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IQ Data International is reporting a collection account on my credit report when the account is in dispute. I tried communicating to the apartment complex however they ignored all attempt 's of conversation or resolution and 1 year later reported it to a collection agency. I have never received an itemized statement with the debt they are trying to collect. IN the amount of $ XXXX have submitted supporting documents to the collection agency showing proof of invalid debt being reported. This has been ongoing since XX/XX/XXXX to the most recent contact XX/XX/XXXX. XXXX where certified document 's were sent to the collection agency with zero resolution. The negative reporting to the credit bureaus is negatively affecting my credit. They are reporting a debt to the bureaus without it being a valid debt
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| 09/15/2021 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have been disputing this account with the credit bureaus for sometime now. Each time they would say that IQ DATA INTERNATIONAL would verify the debt. So I took it upon myself to ask IQ DATA INTERNATIONAL for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
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| 09/23/2021 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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After going over my credit report and documents sent in by collection agency the balance thats being stated owed was XXXX and now is XXXX in which the supposedly original balance was XXXX I would like to see the original contract which prohibits you to collect interest on this debt, also the open date is stating XX/XX/2020 in which I highly doubt that was the date first delinquent and would also like to request documentation representing that because according to FCRA rules and Regulations it is illegal to report information to my report that is inaccurate, I demand appropriate documentation to prove this in fact is my account and the information that you are reporting to my report is accurate you sent in a print out of charges that are not validating what you have reported on my credit report!!
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| 11/27/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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When I noticed this account showing up on my credit report I sent a letter to IQ Data International , Inc attempting to notify them that the therefore mentioned account does not belong to me. I never received a debt verification letter from the collection agency as requested by FDCPA giving me the opportunity to dispute this account within 30 days before begin reported it to my credit report or for them to assume that this is a valid debt and start a collection in fact.
This account is begin reported to my credit file with the major credit bureaus without any legal or valid fundament causing me several financial and reputation damages. This complaint is an attempt to resolve this issue with good faith before proceeding with a demand letter and legal action to pursue compensation and damages.
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| 09/17/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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On about XX/XX/XXXX I first contacted the company regarding the debt on my credit. I advised the company that the debt was incorrect and I did not owe that amount. The representative became very nasty and yelled that the only option I had was to pay the debt on full. I continued to advise her that the debt was not correct only for the representative continued to talk over me and say that she didnt have to provide me with any information about the debt besides the amount I owed I called again on XX/XX/XXXX. I again was yelled and and demanded to pay the owed amount I begged for assistance only to be told that they had talked to me about it before. Also while I was waiting on hold the representative called me on a in state ( VA ) number. She states that the system hung up on me when it had not.
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| 02/10/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
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|
Web |
Servicemember |
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XX/XX/XXXX XXXX I attempted to obtain my account number so I can review the debt. The woman at the company was extremely rude And refused to give it to me. Literally I told her maam you guys are asking me to pay a debt and wont even give me the information on it. She was aggressive and rude. We went back and fourth and they still failed to provide this information. I even hung up to call again to speak to someone else and they transferred me right back her. The calls have become more harassing and overbearing and no one at the company will provide me of the breakdown of debt I owe because EVERYTIME I call they jump straight to and I quote so are you not gon na pay Ill say can I have my account number please and theyll say the same thing. It is a recorded call and can be pulled for record. Ok
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| 05/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
Servicemember |
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Dear Credit Bureau XXXX I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. IQ DATA INT. Account number, XXXX. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, and drivers license. I have also included a copy of my credit report with the account I am requesting to have verified. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely, XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX, XXXX
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| 12/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with an account listed under IQ Data International and validation was requested on XX/XX/2020. On XX/XX/2020 I reviewed my credit profile again as IQ Data International had not responded and a 2nd validation request for the account was sent out on XX/XX/2020. Credit report was reviewed again on XX/XX/2020 and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and that all information is correct.
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| 11/15/2023 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I have noticed several errors on my credit report, including a concerning entry from 'IQ DATA INTERNATIONAL IN. ' Recently, I applied for a loan through my financial institution and was informed of a credit delinquency that would lead to rejection. Initially, I didn't pay much attention to it, but upon conducting my own investigation, I accessed my credit report from all three bureaus. To my dismay, I discovered numerous discrepancies that were not associated with me and were never authorized by me. These discrepancies, including the XXXX from 'IQ DATA INTERNATIONAL IN, ' were negatively impacting my credit report even though I had no involvement in them.
Understanding the seriousness of the situation, I promptly researched the appropriate steps to address this case of identity theft.
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| 10/31/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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There are too many instances to report about this slumlord that owns XXXX XXXX XXXX XXXX in XXXX, WV. Basically, we lived here 7 years. In those 7 years, we always paid our rent early, except one time in 7 years we were late a few weeks. Long story short .... The office manager gave us a fictitious payment/debt owed ledger. We were appalled to say the least! We sent the office manager a large and fat manilla envelope with copies of our monthly rental payments. We even went to court over this. The judge threw it out of court. We gave our moving notice on XX/XX/2022 and moved out completely on XX/XX/2022. We owe nothing, but XXXX XXXX XXXXXXXX XXXX turned a fictitious ledger into a debt collector, and it has affected both our credit histories.
We owe absolutely nothing!!!!!!!!!!!!!!!!!
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| 11/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I sent letters XX/XX/2022 to collection agency IQ Data international to validate said debt that I have filed identity theft on. No response, I sent another letter on XX/XX/2022 asking again to validate the said debt I asked for contracts with signatures of both parties no response. I also sent letters to XXXX credit bureau stating of the identity theft as well as included the police report asking them to remove the account as well as provide proof of validation of the debt. On XX/XX/2022 XXXX came back and said the debt was verified but how? They didnt send any of the requested information violating my rights under FCRA . Im asking again for this account to be removed not only because its violating my rights under FCRA, FDCPA, but it is hindering my credit report/score and livelihood.
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| 01/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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IQ Data International is a collection agency reporting a current debt of {$2400.00} owed on my credit report, which includes a claimed {$730.00} in accrued interest, and has failed to respond to a simple request for validation. My request for validation letter was confirmed received by IQ Data International via USPS on XX/XX/2021.
Furthermore, IQ Data International has attempted to gaslight me with mention of a " dispute '' that never really happened and citing yet another debt amount owed ( of {$3400.00}, including a claimed {$1800.00} in interest, noted in attached response letter from IQ Data International dated XX/XX/2021 ).
The 30-day period for IQ Data International to respond to my request for validation is now long past, and by law they must stop reporting this collection.
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| 12/26/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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XX/XX/2022 Received notification that apartment leasing company had reached out to I.Q. Data International , Inc. about a supposed amount of rent still due. They have the move out date incorrect.
Responded to that letter on XX/XX/2022 indicating that I was disputing the debt and the amount owed was incorrect. I had actually overpaid final rent bill.
XX/XX/2022 Received letter from I.Q. Data that did not address my request for information and even though the debt was being disputed they contacted the credit bureaus dropping my credit score by XXXX points.
I have provided them documentation that the correct move out date was XX/XX/2022. I.Q. Data will not return my call and have not provided documentation that the debt is paid, nor have they corrected this with the credit bureaus.
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| 08/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I disputed IQ Data International " XXXX XXXX XXXX CA '' with XXXX, XXXX, and XXXX due to not having any relation to this creditor. I applied at XXXX XXXX and they ended up not signing the lease and pursing with my residence. Yet, they decided to report a balance on my credit report. I have ask all three credit reporting bureaus to review my documents that I mailed to both IQ and XXXX. I listed all relevant documents that prove. I have no relations to XXXX XXXX. XXXX did not conduct a through investigation and did not provide the results in writing like I requested in numerous letters. They updated my credit report as the issue was resolved and that the creditor provided a certification to them that the information was accurate. No documents were provided that backed up their claim.
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| 02/25/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have disputed both accounts multiple times as an erroneous and duplicative but the company has refused to take appropriate action to rectify the matter. This issue has caused undue hardship for me and my family and an inability to secure housing after a recent major catastrophic event ( XXXX XXXX ).
The company retained my deposit upon agreement of termination of the lease and later added duplicative charges for the amount that was already paid to my credit file. The leasing company admitted that there was a clerical error but they have refused to address this for years.
At this point, I am going to advice of legal counsel for damages for the breach and potentially punitive damages for their intentional and gross misconduct. These accounts need to be removed, immediately.
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| 02/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
XXXX at XXXX I am responding to your contact about collecting a debt. You contacted me by email on XX/XX/XXXX and identified the debt as owing {$1300.00} to XXXX at XXXX. I do not have any responsibility for the debt you are trying to collect. This is not my debt and I do own no ownership of it. Please stop all communication with me via email, phone or otherwise, and record that I am disputing any obligation for this debt. If you attempt collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.
They have been calling for months after I sent letters again in XX/XX/XXXX. I now have the debt listed on my credit report.
|
| 12/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
We mailed them a letter to dispute the debt and never received verification back. They have been calling me, and the debt has gone on my record and I have yet to receive a verification of the alleged debt.
We ( XXXX XXXX XXXX and myself ) have mailed the letter of dispute on XX/XX/XXXX by priority mail. The tracking is : XXXX XXXX XXXX XXXX. It reached them and was signed for at XXXX XXXX on XX/XX/XXXX by XXXX XXXX. This was mailed within the XXXX day period.
They have since called me on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, & XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Again, I have yet to receive any verification of debt from the company but they continue to contact me and place the debt on my credit report
|
| 08/13/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The company did not answer any of my questions or resolve my issues. IQ DATA INTERNATIONAL is trying to collect a debt I DO NOT OWE THEM. IQ DATA INTERNATIONAL has failed to provide proof and Validation that I made an agreement or contract to pay IQ DATA INTERNATIONAL. IQ DATA INTERNATIONAL also failed to respond via mail after my direct Mail in contact, that they requested from me, before 60 days had past. IQ DATA INTERNATIONAL must remove their false collection from my report. They are in direct violation of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). Please remove this from my report, this is false reporting.
IQ DATA INTERNATIONAL will not provide proof that I signed an agreement to pay IQ DATA INTERNATIONAL. I do not owe IQ DATA INTERNATIONAL
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| 06/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX XXXXXXXX XXXX has charged me {$3000.00} in rent months after I moved out due to poor management. I lived there from XX/XX/XXXX to XX/XX/XXXX, I signed a 60 day notice that I would not be renewing the lease. They continued to charge me rent after the lease ended and would not answer phone calls, emails, or the office door. They would not reply for 6 months, and still the issue was only addressed with an automated " thank you for contacting us '' email. 7 months later I finally got in contact with someone who said " not to worry about it anymore '' and that it was an issue caused by transitioning through management companies. In XXXX of XXXX, I received an email that they had filed a motion for non-suit. I checked my credit score and discovered the outstanding balance.
|
| 11/01/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The company claims I owe an apartment complex nearly {$3000.00} when I asked them for a breakdown or proof of why they are attempting to collect this debt, and for them to properly verify this is for me. They said they can't pull up any information. I called the phone number provided many times over the years as this has been haunting my credit score, and even the apartments listed on my credit report as IQ international data, seem to have no idea why I have this negative balance on my credit file as they do not see anything on their end. They just claim I owe them nearly XXXX dollars and theres nothing they can tell me other than that.
I do not agree to pay this for I do not feel I owe anyone anything without a reason.
Please help me clear this off my XXXX reports..
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| 07/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
Older American, Servicemember |
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IQ Data called and threatened to seize my Social Security XXXX and sought my Veteran benefits in order to collect on a debt which I dispute. They also refused to send me paperwork to document this debt when I asked for it in order to review by an attorney and myself as well as making sure this not some scam call. No account number was given. They said they would initiate state mechanisms to collect their disputed funds. I was intimidated into offering up my limited financial reserves in order to protect my desperately needed SSDI to keep a roof over my head. I am retired, have health issues ( hence the XXXX ) and have limited human contact. Once she found out I was retired and on XXXX she really turned up the heat accosting me. It feels like elder abuse as well.
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| 08/17/2022 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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I was living at XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX from XXXX. Upon the ending of my contracted agreement, I was put on a month-to-month lease. I was told to have a 30day notice in writing which I email for my own copies and went in and signed a form and had a completed walk through. I paid a cleaning and security fee upon signing my original contract. A year later, I receive a letter in the mail stating that I was evicted and that they were charging me XXXX in cleaning fees. When calling numerous times, I was told they had switched management teams and would need to get a hold of their new manager to find my information, whom was never in the office or returned calls or emails. I was NOT evicted, and my cleaning fees were paid up front.
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| 10/21/2022 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I received a notice of debt collections from I.Q. International around XX/XX/2022. Showing that I owe The Original Creditor, XXXX at XXXX XXXX, {$3100.00} and intrest of {$440.00}.
I was never informed about the interst till this notice came.
The collection agency is saying I owe the total amount of {$3500.00}.
Now I have to prove that I have already paid the XXXX. It is a good thing that I kept records, or I would have to pay this whole thing twice!
Debt collections needs to be held accountable for their misleading correspondence. To many people end up falling into this debt trap. It is ridiculous that I have to prove what I have paid, when at least, the Original Creditor knew and has record of my payments. The collections agency should check beforehand.
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| 04/05/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I was originally contacted by IQ about 18 months ago and was treated with total disrespect. I requested proof of the debt owed to the XXXX apartments and after several minutes of harassment from IQ I was told that if I provide full payment they would in turn furnish requested proof. I declined this irrational offer and explained that any further communication shall include proof of this debt. I have not received proof as of today. I and recently my sister have been receiving increasingly abusive phone calls demanding payment and threatening legal action. I have transcripts of voicemails The account is reported on credit file as Account information disputed by consumer, meets FCRA requirements I have only disputed this with the company not the credit bureaus.
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| 10/05/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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XXXX XXXX contacted me without disclosing their intention of the call, left no voicemail. I called back and communicated with a representative about the alleged debt and stated that I do not owe the debt. The agent asked for information about the nature of my relationship with alleged debt original holder, the agent did not provide notification or inform me of my rights, that is required by law. I requested documentation and verification of the alleged debt, the agent did not provide any information about the debt other than the amount and original holder when I requested specific factual details about the alleged debt. Several days later I received a notification about my credit report having a new collections account from the collections agency XXXX XXXX.
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| 03/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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On XX/XX/2021 I was reviewing my credit report and noticed that there had been a collection reported on my credit report in error. IQ Data International XXXX in the amount of {$310.00} Added a derogatory mark on my Credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for this account. Debtor 's creditor did not verify this collection.
Also there was NO written form of communication, contract or signature for this accused debt AT ALL. A bill without a written signature does not validate the debt and anybody can send a bill and say that it is mine. According to FCRA, IQ Data International has violated my rights as a consumer and I am requesting legal action to remove/delete this account immediately.
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| 07/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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IQ Data is reporting a debt on my credit file that I do not owe. I recently took a look at my credit file and noticed this debt was reporting but this is just so frustrating. I used to live in XXXX XXXX. They told me that my lease was up and my rent would go up to stay and I had to either move out or renew my lease. I decided it was best for me to leave as their new negotiations were no suitable. So I moved out by the date that they had advised. However, now they are saying that my lease was not up and I moved out before the date set?? I got two very contradictory statements and they never mentioned my lease not being up before I had moved out! I was told my lease was up otherwise I would not have moved!! This is not my error and this needs to be removed.
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| 06/10/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have been charged my Flex Deposit that has transferred the account to IQ Data stating that I owe them {$1500.00}. I am being fraudulently charged by XXXX company through another company that does not even exist and the charges should not be placed onto my credit report. I have filed a dispute through XXXX on XX/XX/2023 and received a notice back on XX/XX/2023 stating that the information is correct. When I moved into the apartment it was not clean things were broken that I had to personally fix out of pocket. When I left the apartment it was clean and no damages were done. I have photos of how the apartment was when I moved. I was never behind on rent and I also have a witness of all of this from XXXX of the property managers who works for the company
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| 06/08/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Received letter on XX/XX/XXXX regarding a debt. I was not aware this fee was owed. Send a letter to I.Q Data International , Inc. at XXXX XXXX XXXX XXXX WA with the purpose of disputing and requesting a verification letter. I have received no communication back. I had assumed this was a scam or otherwise. On XX/XX/XXXX I noticed a collection hit on my credit report so I called IQ international inc and was told that they never received my dispute and at this point it did not matter and that I owe the debt and need to pay it in full including interest.
They lied about not receiving my dispute and has violated FDCPA guidelines for not pausing the debt to properly verify and provide proof of debt. They did not mark the account as disputed on credit score.
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| 08/12/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I tried to contact IQ Data International via express mail. The first round I sent on XXXX via mail. I never got a response back. I then sent another letter via USPS express mail on XX/XX/2023. As of today XX/XX/2023. I never got a response back validating the debt that I sent to them. Informing them to validate the debt that they accused me of owing then they decided to add fees to the debt and continue to contact me via phone. After I sent out several letters and telling them to contact via mail they have on file. They never got back to me. After I sent the letter via mail they immediately put it on my credit report falsely accusing me of owing or misleading stating that I owed money they never sent me any correspondence back in regards to my letter.
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| 08/10/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Creditor has been made aware that debt involves original creditor ( Retreat at XXXX XXXX ) violating Texas Property Code regarding repair of health or safety hazard in apartment. Apartment had mold and foundation leak, causing perpetually damp flooring in unit. Creditor will not discuss resolving dispute prior to litigation or allow me to discuss this matter with an attorney representing creditor, despite being informed that I am a licensed attorney in the states of XXXX XXXX XXXX Creditor refuses to provide phone number or email to legal department regarding Debt Removal Letter or pending litigation, despite knowledge that I am a licensed attorney in the state. Creditor did not provide me with written notice of the debt being placed on my credit.
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| 05/05/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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XX/XX/XXXX received letter from apartment complex stating debt owed and deposit not returned without warrant. Apartment complex owed me money. Responded with certified mail letter immediately. No response. Followed up with another letter two weeks later, still no response. 18 months later received call from a collection agency. Spoke to them about the issue, but no follow up response until XX/XX/XXXX with a letter. Responded with letter and copies of letters previously sent. Received a letter XX/XX/XXXX still trying to collect the debt, but not acknowledging the apartment complex actually owes me money and are not truthful about their " evidence '', stating pet urine stains on carpet. I did not own a pet nor have a pet in the apartment at anytime.
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| 07/22/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Sent a debt Validation letter to company to I.Q Data international in order to Validate a debt they stated I owed.. In the letter of Validation I asked the company to provide me with a Signed copy of the agreement staying that I owe what they said I owe. i also asked company to provide me with the proof that they were able to collect in my state.. After request sent priority mailI, I.Q Data International responded with only a print out of charges that included a number that did not belong to me.. After receiving, I sent a followup letter to give them another chance of properly validating my debt as I asked but I have received no response of proper paperwork from them since and its been past 30 days since I sent the follow up letter priority mail..
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| 07/22/2023 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Theres an apartment complex that I did not lease, XXXX XXXX, that is in collections. I was in a domestic violent home and left to Nevada XX/XX/XXXX. I have housing voucher papers to prove so. Apartment complex debt was opened XX/XX/XXXX. I believe it may have been my old partner that stole my identity but I am without proof. The complex no longer exists and is not in business but the collection agency is charging interest on the debt. The ordinal debt states {$3600.00}. The new total is at {$4800.00}. I was not sent a lease when asking to verify this debt. They have been sued once before by XXXX XXXX for falsely applying interest in his case and the defendant won against plaintiff IQ Data International Inc. Who is the same collector on my credit.
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| 09/04/2023 |
Yes |
- Debt collection
- Rental debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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The woods apartment located at XXXX XXXX XXXX XXXX XXXX XXXX TX is claiming I owe {$380.00} after they kept my {$300.00} deposit two almost three years ago. Last month I received an alert that a collection was added to my credit report. I saw it was from my old place. I never received or was told I owed additional fees and I live in another state now. I reached out to XXXX and asked for an itemized list of damages she claims I owe. She failed to do so and have not yet to respond to my calls. The collection company continues to flag my credit report up and down raising it XXXX $ off and on for some odd reason. I don't owe them NOTHING. When I moved manager said I wasn't getting my deposit back. I left alone. Now three years later I owe something
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| 01/26/2023 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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I was injured at my job. My job didnt pay me any workers compensation. They fired me.
I was in a super small apartment. Instead of giving me a XXXX bedroom at {$1200.00}, XXXX XXXX XXXX XXXX XXXX, il tried to keep me in my {$900.00} studio at {$1400.00} after fees for being month to month. My lease had already expired. I put in a XXXX day notice. I left XX/XX/22.
In the year I had multiple break-ins theft and harassment happen. My car was broken into. Jewelry and identification and cards were stolen. When I asked to have my locks changed they didnt fix them. They left my door in splinters with a key that only had XXXX tooth on it. They added garage fees to the total when I never even received a garage key.
I dont owe XXXX XXXX anything.
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| 05/16/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I filed a complaint two times. The first time IQ Data International stated that is going to send the proof of debt. I did not receive this information. After waiting and no response from IQ Data International. I sent a certified letter. After a couple of weeks, IQ Data International returned my certified letter unopened as a certified letter ( attached ). This item has been on my report for over one year and I have been unsuccessful in getting this issue resolved. The three credit bureaus reporting agencies continues to report even after my dispute of not having the ability of verifying the debt. This defaming information is unverifiable.
The one of the two CFPB complaints were closed automatically. The reference numbers are XXXX and XXXX.
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| 01/27/2021 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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The representative contacted my mother after not being able to reach me on my line. Once I got to the phone, I attempted to inform the representative that I would send a written response to the letter I received in the mail within the 30 day response period.
The representative then began to get hostile, unprofessional, abusive, and back me into a corner to force me to accept responsibility for a debt that is an inaccurate reporting. I informed her that I would be disputing the account in a written response but she attacked me in a manner that was extremely disgraceful. I do not appreciate being spoken to in a condescending manner or harassed after I repeatedly asked her to stop. I would like to have no further contact with this company.
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| 05/24/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Received letter on XX/XX/XXXX regarding a debt of {$3500.00} owed for breaking a lease. I was not aware this fee was owed. Send a letter to I.Q Data International , Inc. at XXXX XXXX XXXX XXXX, WA with the purpose of disputing and requesting a verification letter. I have received no communication back. I had assumed this was a scam or otherwise.
On XX/XX/XXXX I noticed a collection hit on my credit report so I called IQ international inc and was told very rude that they never received my dispute and at this point it did not matter and that I owe the debt and need to pay it in full including interest. I have not received any voicemails or other communication from them since XX/XX/XXXX other than when I called on XX/XX/XXXX.
Thank you
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| 08/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
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| 03/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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None of these fraudulent accounts are related to any of my legit transactions. Recently I was checking my credit and I found these accounts that don't belong to me. These accounts are the result of identity theft. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. My personal information was a part of the XXXX Data Breach in XXXX and I assume that is when my identity was stolen.
These are the fraudulent accounts : XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX, and IQ DATA INTERNATIONAL/ XXXXXXXX XXXX XXXX XXXXXXXX XXXX FL XXXXhat opened last XX/XX/XXXX.
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| 01/12/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
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| 01/19/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I lived in XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX XXXXXXXX. Then I moved to XXXXXXXX for my new job.
Before I moved, I had checked my XXXX XXXX account to see if I owe anything or to if I could even get my deposit back and it said XXXX balance and it still does. ( See Attachment 1 ) However, 1 year after I moved from there, I received a notification from the credit bureau that I a collection agency called IQ DATA INT had reported an unpaid debt which I was never aware nor notified.
The property management had all the necessary information to communicate the debt to me but they didn`t. ( Please see the attached document from the property management`s website ) .The collection agency IQ DATA INT didn`t communicate to me either.
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| 12/09/2022 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Account review inquiry by IQ Data International resulting in an account listed on my consumer reports and damaging my credit / credit score. I have never done business with this company. Company claims that I owe them money in the amount of {$7800.00}. I've sent my dispute requesting information proof of my debt owed to IQ Data International. The company sent me an unsigned unnotarized statement of charges owed to another company. IQ Data International included a partial copy of a lease contract to which they are not a party. I have disputed with the company and they have damaged my consumer reports, by reporting this inaccurate, false information. I have submitted a report to identity theft.gov with these facts and attached herein.
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| 02/01/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I.Q.Data International have put the debt falsly, first they put this on my husbands account that c we did jot pay the rent at XXXX XXXX, my husband filed the complaint through cfbp and they already agreed that they will remove it because their client have no documentation to back their claim, now they put it on my credit report. This is a fslse claim, a fraud to destroy someone's credibility, we were about to buy a house and everything destroyed, no one wants to give us an apartment for rent because pf this fraudulent charges from I.Q. Data. We will be homeless because these corrupt companies are filing fraudulent debt. We do not owe any money to any apartment. We completed our lease and left on time, not a day more than our lease.
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| 06/11/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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IQ Data sent me a letter claiming that I owed {$3700.00} on XXXX I sent a verified letter disputing the debt. The debt was Purchased from a current company owning an apartment complex I used to live in. I never rented from this company, the building was sold to this company after I moved out. I never owed any money to my previous complex before I moved out. This debt is also from the year XXXX, and I was only contacted this past XXXX, I have never been contacted before then. In the letter I sent, I asked for the company to verify the debt and they didn't send me anything back. They did not send disclosure or info about verification. They also did not mark on credit report as that this was disputed. These are violations of FDCPA
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| 03/26/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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IQ Data International contacted me about this debt owed to XXXX XXXX Apartments in XXXX Oklahoma. The collector advised me to get a personal loan or a title loan against my car to pay the amount owed. I stated I was not aware of any balance owed as I moved out of this apartment on XX/XX/2020. IQ Data then called and told me I had until XXXX pm that day to call back and provide a solution. I was able to research this issue and have provided documents supporting the case that went to court and the dismissal. I have made several calls to XXXX XXXX XXXX and left messages for return calls. They have a new management company and may not be aware of this case. This issue had been resolved and I want this removed from my credit report.
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| 06/05/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received an attempt to collect letter dated XX/XX/2023 from IQ Data International on XX/XX/2023 and was informed to write to them by XX/XX/2023 to dispute and that they must stop collection on any amount that I dispute until they send me information that shows I owe the debt. I sent a debt verification letter to IQ Data International on XX/XX/2023 via certified mail. I've sent debt verifications letters again on XX/XX/2023 & XX/XX/2023, also certified mail. IQ Data International begin reporting negative information along with interest charges to all credit bureaus with remarks that the account was disputed by the consumer but have yet to prove this debt belongs to me. This negative information is being reported illegally.
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| 05/13/2023 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I have written the credit bureau and IQ data to remove this account and if they're not to at least send me something that shows my signature. But instead, they sent me an invoice. I sent another letter and received a letter saying that they've already responded. But I have yet to receive anything that has my signature on it to let me know that this account is mine. I have disputed this account numerous times and it keeps coming back saying that it is accurate.
If it is accurate all I'm asking for is proof. I've called XXXX as well and explained my situation and they advised that they just contact the debt collector and it is up to them whether the collection gets removed or not.
So no one has been able to send me proof.
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| 02/25/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I.Q Data International , Inc has sent me a letter on XX/XX/XXXX that I owe {$750.00} which they have credited to XXXX XXXX XXXX apartments in XXXX XXXX.
I used to live in XXXX XXXX in these apartments in XXXX, one month before in XX/XX/XXXX I informed them that I am leaving at the end of XXXX, they agreed and signed a paper mutually that everything is clear and they will send my security deposit back to me later. When I called them later asking for my security deposit without any real reason they told me your apartment garbage and lock replacement is the reason you are not eligble to receive it. After almost two years sending another letter from a collection agency claiming the same things and asking for another {$750.00}.
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| 09/27/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Back in 2018 I lived in the apartment called XXXX XXXX XXXX XXXX under housing authority of XXXX on section XXXX voucher. This apartment failed to comply with HUD housing papers to get paid. Took to court of law that determined I'm not liable for the debts the apartment had to pay me back all deposits and was settled in court of law with attorney. I've submitted copies to each bureau and to to said collections IQ Data certified mail. Called to be told to XXXX off by IQ Data and have yet to get it fully removed from my credit on XXXX. Debt goes up and down to just mess with my credit score. Housing and XXXX have told me to do this step next. This was settled in court of law that I am not liable for this debt. And settled.
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| 08/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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I have been notified to pay debt for an apartment I use to live in ( XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX XXXX XXXX XXXX ). I broke my lease with the military XXXX and provided notice to the management office XXXX days in advance from my move out. A debt collection company continues to call me ( I.Q data international inc ) and asking me to pay {$7300.00} $ or that it will hit my credit.
I called my old apartment management office and they are tracking that I owe {$0.00} and that they actually owe me {$250.00} deposit back.
I have written confirmation of both my notice I sent as well as the {$0.00} balance due to my old apartment, however me ( I.Q data international inc ) keeps calling and threatening my credit score.
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| 06/16/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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IQ data international called me on XX/XX/XXXX and XXXX, XXXX, and told me that I owed them around XXXX dollars. On the phone call on XX/XX/XXXX and XXXX, XXXX, I requested to send me written documents about the debt to validate the debt and the agent refused it. They claimed that they have already sent me the written documents, but I didnot received it. I requested them to show me the proof to prove that they did send me mails or emails. They refused it. I requested them to send me again by mail, they also refused it. I don't have enough information to validate the debt and I also don't know their mailing address to send them a letter to request the information. And they also reported this debt to the credit bureau.
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| 03/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
IQ Data International added an account onto my major three credit reports on XX/XX/2021 The account is originated from XXXX XXXX XXXX.
I have received no correspondence from the company.
I have consistently disputed this account as the account is not mine and I have never been associated with any such account I have filed several ID theft reports and submitted them to the credit reporting agencies in hopes of having this account deleted I have attempted to negotiate a settlement for the account with the agency to no avail just so that it does effect my or my husbands credibility in his line of work.
The do not respond to emails or faxes.
As a XXXX citizen and a military spouse, I just want this account removed.
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| 01/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
I rented from an apartment complex called XXXX XXXX ran by XXXX XXXX XXXX located in California. I was a tenant for 2 years. Upon my move out the property XXXX went through my apartment and charged me for things that were clearly wear and tear items, like flooring a bathroom, mirror that had faded in some parts, a XXXX cleaning fee and other dubious /suspect charges. She told me that if I didnt pay it they would sue me ruin my credit and other harsh rhetoric.
It was soon after this I started receiving calls from IQ data who posted this garbage on my credit report even though I disputed this garbage from this property XXXX. They sent me a boxed check letter which she filled out essentially saying XXXX owed this.
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| 09/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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Im contacted XXXX XXXX XXXX XXXX. In regards to the report on my credit report, 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt, this company has contacted me several times via phone & mail another violation of my rights, this company has violated my rights, I do not owe this creditor listed any money,
|
| 03/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
In XX/XX/XXXX I received a letter from I.Q. Data International demanding payment for money they claim I owe my previous landlord. I wrote a letter telling them I was disputing the demand and asked for documentation that I owed the money. They sent me page 1 & 7 of the lease. I pointed out that page 1 of the lease proves I do NOT owe the money : Paragraph 2 states that the lease terminated on XXXX XXXX XXXX.
Paragraph 4d states that the landlord has 21 days from the day tenant vacates the property to provide an itemized accounting of money owed to the landlord. I moved out on XX/XX/XXXX and the first contact I had regarding money the landlord claims I owe was the demand from I.Q. Data Intl. from XX/XX/XXXX.
|
| 09/10/2023 |
Yes |
- Debt collection
- Rental debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I received a call in XXXX of 2023 From a company out of Washington state called IQ Data International trying to confirm my identity. When I refused to confirm my identity the guy on the phone made an open ended threat and hung up on me. A few weeks later I receive another phone call from woman this time. I confirm my identity and she requests my banking info. When I refuse she says they are going ro ruin my financial future u less I pay them now. I hang up and they then proceed to call me 6 times in a row. I have no debt with original company. They broke the contract. IQ data is trying to collect XXXX from me but I have emails from original debtor for XXXX dollars. This is a very shady and immoral company.
|
| 08/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I stay in this complex where it was time for us to move out our lease was up at XXXX XXXX XXXX. I was told by the manager to move out, because my family and were in a very bad and serious situation she told me and family would be in good standard because we were good tenants. She also said that our lease wouldnt be considered as a eviction. She told me I wouldnt have a eviction on my credit. She and I sat down and talked about why I had to move out my family and I life was in danger. I cant afford to pay {$4300.00} and I asked the can I pay low payment to this company and they said no they cant except that amount for a payment. I cant even move into a house. I need help please.They are very nasty company.
|
| 04/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Dear Sir or Madam, IQ Data International is attempting to collect an alleged debt that they claim is owed to my previous landlord.
I disputed this alleged debt and provided documentations demonstrating the amounts alleged owed by m
y previous landlord for several months of rent they alleged was not paid was in fact paid and I provided receipts to IQ Data International, requested that they investigate the matter as I was disputing the debt, but they failed to respond to my debt verification requests or provide the requested documents pursuant to the Fair Debt Collection Practices Act 15 USC 1692g. They failed to do either, but instead reported this inaccurate invalid debt to the credit reporting agency.
|
| 03/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
IQ Data has ignored multiple requests for records concerning an alleged debt they are attempting to collect from XXXX for their client XXXX XXXX XXXX XXXX XXXX XXXX XXXX They are reporting this derogatory account on my credit report and have verified it with the credit bureaus even after I submitted a dispute. there is no verification for this account. Federal law requires that it be immediately removed and blocked from reinsertion. IQ Data continues to violate the FCRA and FDCPA .They need to be held accountable. l am incurring damages as a direct result of their illegal business practices. I have done my due diligence to rectify it. I may need to pursue legal action if this matter is not resolved now.
|
| 10/24/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action.
I have not given you written permission to put anything on my credit profile 15 USC 1681b2.
You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
|
| 06/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
You are in Direct Violation of The Fair Credit Reporting Act ( IQ data International, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), has violated several of my rights.
16 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
|
| 04/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They are saying I owe {$1800.00}, and the original responsibility of the debt is split between 3 people but the collection agency would not allow me to split the payment. They also continuously call during work hours when we have told them several times not to do that. If they dont contact me personally, they will contact my significant other and harass her with calls. They were repeatedly harassing me about my stimulus money, which I never received. I asked for a debt validation letter and they refused to give me one. I still have not received it. When I asked for it, I was treated very rudely on the phone and they quickly hung up. They absolutely refused to reduce the balance or make a payment plan.
|
| 06/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I had my wallet stolen at XXXX with all my identification and information. I have reached out to this company several times trying to dispute this. This eviction has caused me not to be able to get a decent place to stay for my family. I have lived in shelters, low income housing that's rat infested, and jumped from family to family house.They sent me a letter stating that the debt will be XXXX to settle. When I checked my report it went up to XXXX. When I called about this debt the lady was very rude. She hung up in my face several times and told me that it will keep going up if it's not paid. I have contacted this company from XXXXpresent. I have every letter and signature from this company I sent.
|
| 11/21/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I personally sent a certified letter to XXXX regarding a tradeline called IQ Data International on XXXX XXXX. XXXX never responded to my request to validate this debt after. I explained that the debt wasn't mind and shared that XXXX has removed the debt as it was not valid. After not hearing from them after 40 days. I sent another certified letter XX/XX/20 requesting proof of any documentation using a 609 B notification and Still no response. Lastly, I've sent out a letter on XXXX and I am growing frustrated as I thought if I ask for a copy or a verification to support any finding that they were an obligation to respond. Can I please get some help here, I'm not sure what I need to do next. Thank you
|
| 01/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I called the company after reaching out to the XXXX XXXX I spoke with XXXX one of the managers there and she told me that I had a balance of XXXX and that I should not have to pay a collections agency and that as long as I send it to them that amount would be removed. I called them and spoke with XXXX sent over the information that was sent to me and he became defensive when I told him that XXXX told me that they would need to reach out to XXXX XXXX. When I finally got to XXXX I was crying and in hysterics and he began to attack me. He verbally abused me over the phone and when I try to get his first and last name he smugly told me bothHis first and last name and begin to verbally abuse me again.
|
| 11/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
The communication tactics by XXXX XXXX representatives were obscene and abusive. I called to make a payment over the phone and I was told that my attempted payment amount was absurd and that I should get a job and stop being lazy, among other hurtful language. To top it off, The representative, XXXX, told me that my feelings dont matter to the world and I was better off not in it. This is all during the COVID-19 pandemic and it has been very difficult to find work anywhere while keeping my spirits up. I am also a future XXXX XXXX XXXX who will soon be in a position to protect and serve my country. It pains me to receive this type of verbal abuse knowing I will be protecting this kind of behavior.
|
| 11/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I received my first notice from this agency on XX/XX/2020 and was told I would have 30 days to dispute the charges. I sent the company a letter disputing the charges, as instructed, via USPS with tracking information that shows it arrived Monday, XX/XX/2020. I have heard nothing from the company regarding my letter. However, a follow-up letter arrived on the XXXX saying the disputed debt has begun to collect interest.
When I called company at XXXX that same day, their agent informed me that they have not been notified about my letter and that my credit would be affected if I did not pay. He also informed me that the debt would continue to accrue interest as I wait to hear back from them.
|
| 08/24/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American, Servicemember |
|
I have a collection account with IQ data international. It has come to my attention that this company has been communicating with my daughter about my account without my permission. They violated my privacy laws and negotiated terms with a third party without my knowledge. I have never given them permission to divulge my personal information to a third party let alone discuss the terms of which. This company also took it upon themselves to unlawfully apply interest to a tenant bond account that did not have a judgement placed prior. These people spoke about my account with a person that had no jurisdiction to do so. This is horrible and I hate to make this public but this had to be said.
|
| 02/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XXXX XXXXXXXX XXXX TN Original Debtor IQ DATA INTERNATIONAL IN on XX/XX/2021 XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Remarks I called to attempt to verify a debt appearing on my credit report.
1 ) Refused for two years to show desperation amount of carpet by showing when the carpet had originally been installed ( was told carpet had to be replaced when we moved out anyway when we moved in ) 2 ) Attempting to Charge me for Keys that i returned. How can i prove i returned something they don't give me a way of showing i returned it like a receipt.
3 ) Refuse to communicate with me ( Hung up on me multiple times ) 4 ) Threatened me with Bad Credit and increasing fines due to interest.
|
| 09/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Account name IQ DATA INTERNATIONAL Account number XXXX Date opened XX/XX/2023 Status Collection account.
{$15.00}, XXXX past due as of XX/XX/2023.
Status updated XX/XX/2023 Balance {$16000.00} Balance updated XX/XX/2023 Recent payment - Monthly payment - Original balance {$15000.00} The inaccurate information above was never verified to be in line with official reporting standards. The information above was never confirmed to be accurate, complete, timely, or valid. You must provide proof of compliance with reporting standards and applicable consumer laws. The information above is insufficient. I demand that inaccurate, incomplete, and unverified information be removed immediately!
|
| 01/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I became aware that my identity was stolen/compromised in XX/XX/XXXX by a private investigator who was hired by a car dealership in XXXX XXXX XXXX XXXX. I was born and raised in XXXX XXXX but have lived in XXXX since XXXX. They ended up getting XXXX cars under my identity ( which fortunately for me, they were not funded and dealership was responsible ) and this group or person tried getting or got apartments under my identity. I am including the FAKE XXXX XXXX Driver License that the private investigator sent me through text, email communication with XXXX XXXX local authorities, communication with one of the apartment complexes and one of many text messages from private investigator.
|
| 07/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
We vacated an apartment in XXXX, XXXX and were not in arrears of rent payments. I spoke with XXXX XXXX, property XXXX for XXXX on XXXX, on or about XX/XX/XXXX and was told the walk through was complete and that the unit actually looked better than when we had moved in. She also stated our account was paid in full and we would receive a full refund of our deposits. I also provided her with our forwarding address. Our phone numbers remain unchanged. We received and deposited the refund check dated XX/XX/XXXX into our account on XX/XX/XXXX. A copy is attached. At no time were we told of any amount unpaid nor given the opportunity to dispute said charges until we were sent to collections.
|
| 03/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
Multiple agents hung up on me Manager got on the phone telling me there is no way to contact compliance, and that there was no compliance department.
Stated she handled all compliance. Hung up the phone on me. She also stated that the account was going to be reported to my credit and there was nothing I could do about it.
Called again months later team Leader hung up on me because he didnt want to talk to me. Also last agent I spoke to bribed me to pay the bill by pay for deletion. I was told only if I paid the bill same day XX/XX/2023 that they would delete it, I asked for a settlement and they told me if I took a settlement that it would not be deleted from the credit bureau.
|
| 01/03/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have tried multiple times to communicate with I. Q. Data international , inc and have never had any dealing with the company neither do they have any written contracts to verify this debt. I have also paid the debt with hopes to having it removed From my credit report because I am in the process of buying a home They have yet to remove the debt and it's hindering me from obtaining other credit. Please have the companys to remove this inaccurate information immediately. I. Q. Data international , inc Is in violation of multiple fair credit protection act laws.
1681b. Permissible purposes of consumer re- ports 1692b Acquisition of location Information 1692d. Harassment or abuse
|
| 07/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I.Q. DATA INTERNATIONAL , INC reported a collection on XXXX XXXX XXXX for the amount of {$4800.00}.
Agency Address : XXXX XXXX XXXX XXXX, WA XXXX Agency Phone XXXX XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX XXXX XXXX I.Q. DATA INTERNATIONAL , INC is a third party debt collection agency representing XXXX XXXX XXXX XXXX XXXX. I never signed a contract with I.Q. DATA INTERNATIONAL , INC. I never gave consent for these companies to use my private information. I never received a notice or method to opt-out or prevent the disclosure of my private information to third parties pursuant 15 U.S. Code 6803 Company is negatively harming my nonpublic personal information.
|
| 07/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have requested a written notification that was sent by certified mail on XX/XX/2022 disputing debt. I have requested ( I.Q. Data International services ) to provide me with verification of debt. However, I received an alert on XX/XX/2022 from all credit bureaus on a collection account on my credit report. I.Q. Data International has given me a date of XX/XX/2022 to dispute the debt. However, when I called I.Q. Data International and spoke with XXXX XXXX agent ) he was very rude and didn't attempt to research my request. According to XXXX the company does not see a dispute letter on file. However, I have proof that the letter was picked up from the post office on XX/XX/2022.
|
| 06/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have requested a written notification that was sent by certified mail on XX/XX/2022 disputing debt. I have requested ( I.Q. Data International services ) to provide me with verification of debt. However, I received an alert on XX/XX/2022 from all credit bureaus on a collection account on my credit report. I.Q. Data International has given me a date of XX/XX/2022 to dispute the debt. However, when I called I.Q. Data International and spoke with XXXX XXXX agent ) he was very rude and didn't attempt to research my request. According to XXXX the company does not see a dispute letter on file. However, I have proof that the letter was picked up from the post office on XX/XX/2022.
|
| 09/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
IQ Data International has refused to provide any validation of debt. After speaking with XXXX ( original creditor ) and confirming that I have a {$0.00} balance, IQ Data still will not remove the debt. I have called in multiple times to just get a settlement in order to no longer deal with this company, despite them violating my rights as a service member and citizen. Yet, when I call I get yelled at and hung up on multiple times. XXXX XXXX ( employee at IQ Data ) refuses to even provide me with a number to pay.
Not only are they trying to collect on a debt that is not owed, they won't adjust the interest they have charged in accordance with the service members relief act.
|
| 11/25/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
hello, i sent a validation letter to iq data an to all three credit bureau. i never got a validation letter from the debt collector to say what i owe an documentation, then the credit bureau said they validated it. how can that be when the debt collector cant even validate the debt. then i looked at my report an i see outrageous interest charges. it went from XXXX to XXXX an the interest charges keep going up an down every month. i know that's against the law. an on my credit report it says there an attorneys. this company has broken lot of fcc laws an keeps breaking them when reporting false info on my credit report. how do you send a validation letter to a XXXX XXXX XXXX
|
| 05/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
i have never spoke to them about this collection. i have no idea what this is from. these collections are misunderstood and fraud. they have been on my report without my knowledge.
In accordance with the fair credit reporting act XXXX account XXXX & XXXX, IQ DATA INTERNATIONAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.
15 usc 1681 section 602 states I have a right to privacy.
15 usc section 1681 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
15 usc 1666b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
|
| 06/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I.Q. DATA INTERNATIONAL , INC reported a collection on XXXX XXXX, 2023 for the amount of {$4800.00}.
Agency Address : XXXX XXXX XXXX XXXX, WA XXXX Agency Phone : ( XXXX ) XXXX Original Creditor Name : STATION AT XXXX XXXX NC I.Q. DATA INTERNATIONAL , INC is a third party debt collection agency representing STATION AT XXXX XXXX XXXX. I never signed a contract with I.Q. DATA INTERNATIONAL , INC. I never gave consent for these companies to use my private information. I never received a notice or method to opt-out or prevent the disclosure of my private information to third parties pursuant 15 U.S. Code 6803 Company is negatively harming my nonpublic personal information.
|
| 10/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
hello, i sent a validation letter to iq data an to all three credit bureau. i never got a validation letter from the debt collector to say what i owe an documentation, then the credit bureau said they validated it. how can that be when the debt collector cant even validate the debt. then i looked at my report an i see outrageous interest charges. it went from XXXX to XXXX an the interest charges keep goin up an down every month. i know thats against the law. an on my credit report it says there an attorneys. this company has broken alot of fcc laws an keeps breaking them when reporting false info on my credit report. how do you send a validation letter to a po box .
|
| 02/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have paid an agreed settlement of XXXX on XXXX with I.Q. DATA INTERNATIONAL, INC XXXXXXXX XXXX XXXX XXXX WA XXXX ( XXXX ) XXXX They have not mailed or emailed me a receipt for this and have not reported the settlement to the credit bureaus. This collection company 's ' representatives ' has continued to state there will be a balance showing on my account and continued reporting to the credit bureaus I am delinquent. I have many times tried to work out a settlement with them which they have refused. I received a letter in the mail XX/XX/2021 giving me an option for settlement which I paid. IQ Data has not held up their end of showing the account settled. XXXX XXXX
|
| 08/27/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The original balance on this account was {$8000.00} and this collection company has been charging me weekly interest and the current balance is now XXXX. The collection company is not allowed to charge interest unless specifically authorized in the original contract. I have reviewed my original lease and it does not state that a third party collection can charge interest on this account. This is in violation of the FCRA and every-time the balance goes up on this account due to interest my credit is negatively impacted. I have tried to dispute this with the collection agency and have had no success. This account needs to be removed from my credit report immediately.
|
| 01/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Went to landlord tenant court with former landlord over dispute about them not remediating toxic mold in apartment and us having to leave everything behind because it was unlivable. Won in court. They were ordered to let us out of our lease and give us back our security deposit. They gave us nothing and tried to bill us XXXX dollars for removal of belongings we had to leave behind them sold the debt to IQdata international I believe fraudulently. Then when iq data contacted us we requested debt verification through certified mail back in XXXX. Received NOTHING from them. Called to ask them to take it off our credit they said simply no well take it off if you pay us
|
| 03/28/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received a letter from IQ Data International in which the deadline to respond to was XX/XX/XXXX. I responded by XX/XX/XXXX by disputing the debt due to the amount being incorrect. I then requested the following from IQ Data International : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Texas ; 5. proof of the last payment made on the account.
I received none of this information. No verification of the debt has been made.
The only thing I have received was a major derogatory mark on my credit report on XX/XX/XXXX.
|
| 06/04/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I left apartment in XXXX and paid all amounts whichever they said but after 2 months they send me letter that you have left over amount when i went there they they remodel the apartment and i have to pay that amount and they said we send you ketters which I didnt receive any kind of letter then I contacted the debt company i told them I didnt receive any letter they said they dont know you have to pay that but when i left the apartment everything was good but they lied to me they said it was broken when i asked them for pictures or any proff they didnt provide me nothing.so I request to you please take remove this debt from my account which I dont own.
Thank you
|
| 04/07/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
A debt was established shortly after move out which was XX/XX/XXXX. Part of the the {$300.00} plus dollar debt was paid. However, XXXX XXXX XXXX XXXX XXXX sold the debt to collection agency IQ data international for the amount that did not reflect payment made. Once a letter was received for debt owed, I tried explaining to management at the XXXX XXXX XXXX XXXX that based on my move in inspection form and what was allegedly found, it was the same. Therefore, part of the debt was invalid. Since the debt was sold to collection agency, the collection amount has increased. Finally o! XX/XX/XXXX, I sent a fax to settle for less. Agency declined despite income issues.
|
| 12/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
In XX/XX/2022 I moved out of XXXX at XXXX XXXX. I left in good standing. When leaving I asked the manager to do a walkthrough, she said it wasnt necessary and told me to leave the keys at the office with my forwarding address. I did. Havent heard from them since moving. Received a notification on my XXXX XXXX saying there was a collections report filed by them. The next day I contacted both the manager and regional manager and received no information. When calling the collection agency they said I owed XXXX due to damages. Never got my security deposit back and did not receive any phone calls letters or emails from residence at XXXX XXXX saying I had a balance.
|
| 02/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I got a letter from I.Q Data saying I could settle for a percentage of my balance. I gave them a call and we came to an agreement. I paid {$100.00} the associate told me I would have an receipt within the hour no receipt was ever sent to me then they claimed they dont send receipts. I asked for a letter stating our agreement and that the collection would be removed from my credit they assured me that it would be removed after full patent but didnt want to send me anything in written. I have called multiple times and talked to different people, all the associates were rude and disrespectful. I have started to record my conversations with them to cover myself.
|
| 06/23/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Ive called this company multiple times about the incorrect debt on my credit report and they will not respond and when they did they were rude like they were right and I was wrong ( also I have proof but they didnt care ) Ive even contacted the apartment complex and they even emailed them the correct information twice and they still wont respond or budge for them its messing up my credit with this false information and I cant even go into a payment plan with them to start paying off some of the debt I owe because they wont listen to me or the apartment complex about the right amount to change my debt too its really messed up and frustrating at this point
|
| 12/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I dispute this charge because I do not recognize this debt and I do not owe any money to this creditor. I monitor my report monthly and I have become a responsible consumer and this is an unfamiliar debt to me. If it were indeed valid it would have been paid. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act.
|
| 07/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/21, I placed a phone call to IQ Data International Inc to discuss the information reported on my credit report. I requested to have a bill mailed to me since I have never received any type of written documentation from this company. XXXX, the manager, informed me I owed more than the amount listed on my credit report, to which I again requested something in writing. I stated I want something in writing so I can MAIL my payment and he still refused and stated that I have to make a payment over the phone. He was very rude and made it very clear he was not going to make it easy to pay off this debt. I requested all communication be through Mail.
|
| 04/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
IQ Data International XXXX # XXXX has been harassing me with a debt I do not owe. They have called me, my family, colleagues at work, and my employer. They have disclosed personal information, ( social security number, how much I make a year, how much my car was, and what they believed was my address. ) They have violated multiple Fair Credit Acts and broken the law. They have called me from 6 different phone numbers, over 30 times after I have told them to stop. They continue to violate Fair Credit Acts every time they call. This debt has never been verified.
They have also violated 1006.30 This company is nothing but harassment and law breakers.
|
| 08/29/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
They are trying to collect something thats not under my name which I already spoke to them and they said my name and all the information I gave them is not showing on their system. That they have about 60 names like mines with owing a debt but nothing with my information. The collection agency is called I.Q. International Data theyre phone number is XXXX the balance is {$5000.00} for XXXX XXXX XXXXXXXX XXXX XXXX XXXX This was opened on XX/XX/2021 thats what shows on XXXX XXXX. I have not lived in apartments over almost 14 years, my address does not match what they say. Thank you. How can I send documents or letters of something that I do not owe.
|
| 08/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I HAVE REQUESTED THE COMPANY SEVERAL TIMES TO SEND ME NECESSARY INFORMATION FOR THE VERIFICATION OF AN ACCOUNT THAT THEY ARE TRYING TO CHARGE ME AND I DO NOT KNOW. AT THE BEGINNING THEY CONTACTED ME BY CALL AND TOLD ME THAT IF I DID NOT PAY THE DEBT I WAS GOING TO APPEAR ON MY CREDIT REPORT WHICH THEY ENDED UP DOING WITHOUT SENDING ME THE INFORMATION THAT I HAD REQUESTED. NOW IN MY THREE CREDIT REPORTS THIS DEBT APPEARS WHICH AS MUCH AS I TRY FOR THEM TO SEND ME INFORMATION THAT VALIDATES THIS DEBT, THEY DON'T DO IT IQ DATA INTERNATIONAL MUST SEND ME ALL THE INFORMATION THAT I HAVE REQUESTED THROUGH LETTERS SENT ON XX/XX/2023 XX/XX/2023 XX/XX/2023
|
| 06/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
Received call from IQ Data International about a debt I had no knowledge of, representative was very aggressive toward collecting it. I informed him I had no knowledge and asked for verification, which he became more aggressive and abusive. I received a very vague statement of the debt after sending a letter for verification, the company used the term rental reimbursement multiple times each with different amounts listed. Sent second letter for clarification about the vagueness of the verification, which went unanswered. They have placed this on all my credit bureaus and increase the amount monthly of what I owe. But have never verified this debt.
|
| 04/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
IQ Data international XXXX XXXX ) has Been calling me to collect a supposed is a supposed ode amount from my don't from my previous residential residential buildings management. I have been trying to set up a payment plan but have been told that if I don't make a payment in full they will well damage my credit score. I've been hung up on several times.. Today I received a call and once again tried to set up a payment pla payment plan but was put on hold twice and hung up on.There 's no way it's legal for them to report delinquent payments but not accept my phone calls in order to try to pay. I'm I have called at least 10 2 day and left voicemails.
|
| 08/27/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
XX/XX/XXXX at XXXX XXXX Spoke with a rep at IQ Data International and informed rep they have the wrong number. Rep said someone answered and confirmed a call on XX/XX/XXXX I told them that's not true no one has access to my phone and there's no records of a call. The rep then implied I was lying and refused to acknowledge my request to have them stop calling.
Any time I would ask the rep if they could remove my number the rep said " No '' and would continue to ask about the original debt owners. The rep thing hung up without removing my number from their call list.
I received another call from IQ Data International on XX/XX/XXXX at XXXX XXXX.
|
| 09/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
IQ data collections submitted my information to the credit bureaus, stating that I have a debt they are trying to collect. They are looking to collect {$5500.00} from me and someone else on a joint account for our townhome that we were staying in. They did not send written documents stating the nature of the debt. I also was notified from the original landlord, that we had 2 days to move out, or to pay the remaining balance for the townhome. I am confused as to why I was brought into collections by XXXX XXXX XXXX a year later, and why I was never notified before hand about said debt. Thank you! P.S. XXXX XXXX XXXX kept our entire deposit as well.
|
| 07/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XX/XX/XXXX at XXXX I contacted IQ Data International and spoke with XXXX XXXX XXXX I explained that I did not dispute any information on the account and agreed to the balance and prior payment history and that I request d them to update the account comments to reflect that.
After confirming that I understood XXXX said no we know you are trying to get a mortgage and will continue to report it as disputed until you pay us in full. I reiterated multiple times that I do not dispute the account and assume full responsibility for the account. At which time he said no we will do what we want until we get our money so give me your credit card number
|
| 04/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have sent in numerous of dispute with this company showing them the form they filled out when I contacted them stating I owed XXXX balance and they would re rent to me also it states no late payments where ever made, I have sent the form in numerous times of time stating I contacted them to make payment an assistant manager stated there is no balance owed, This account has stopped me from getting into different rentals and its only showing up on only two of my credit reports and doesn't match the information I received on form. Also, I never received any documents stating what this is for or anything I was just hit with on my credit report.
|
| 08/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have my credit frozen with all three credit bureau 's for the last XXXX months and have the XXXX XXXX Police continuing to investigate my identity being stolen. I was made aware today that {$26000.00} in debt is attempting to be collected from a company that was granted to an address in Florida that was not myself clearly. I am uncertain how this was granted as XXXX notified me of the credit report change, but my information is frozen with all three credit bureau 's so how this was bypassed I am not sure, but very alarmed.
The company attempting to collect the debt and sending me a fraud packet goes by the name of IQ Data International.
|
| 05/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
In 2017 I lived at XXXX XXXX owned by XXXX XXXX some point it got sold to a different owner now XXXX. XXXX place wrongfully charged me an ETF fee when they released me because of faulty electrical not up to code and that it looks like they were not even disclosing ETFs received on their books because I was paying but my payments were getting lost in the mail and they were not sending me legal correspondence or any invoice to show payments applied. I even had to get the postal investigation office involved. I complained to XXXX too. They stopped colle ting at that time. Now out of the blue this guy XXXX keeps calling me and it sounds fake.
|
| 10/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$140.00}
|
| 08/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I was called by a very rude person who called several times until I answered ( proof on call log ) also it was wayy after nine when I did answer and told them my rights they got very hostile and started using abusive language and threatened to turn me into the credit bureau even though I was told by the complex we were settled by the district XXXX herself! Also the amount they claim is wayy off that we got in our letter. Plus I was told this was a company owned by XXXX XXXX XXXX which I know how debt collection works and I know thats not the case. So in summary the agent lied and tried to be manipulative and was very rude and aggressive.
|
| 12/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Iq Data International has been reporting a collection on my account in the amount of {$7600.00} The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I hope your day is going well, but I need your help. I noticed the following issues with this account on my credit report. I did not authorize nor know anything bout this account listed. This is a fraudalent account. I know my rights. this is stopping my life please remove them immediatley .You have 30 days. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 615 ( f )
|
| 05/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
On XXXX on XXXX I Received a phone call from " XXXX XXXX. He refused to give me an ID number or last name. He repeatedly cut me off, called me stupid, and talked over me. I requested a validation of debt several times and was told, no, the company would not be sending me any validation. I requested the document be sent through certified mail, which he refused to do. I also requested the documents be sent through regular mail, which he also refused to do. He used very aggressive scare tactics, telling me that I would be evicted and homeless later on in life unless I paid the collection in FULL. I believe this is in violation of FCRA.
|
| 12/12/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
They first contacted me by mail. Then the phone calls started coming in. I told them I didnt know what this debt was for & they told me I owed XXXX and had to pay. I told them I didnt have that money & the person I spoke to told me I had to make a payment. I started crying and they told me If I didnt want my credit to be hurt that I had to pay. I kept repeating myself and eventually told them to stop calling me but they kept calling. I blocked the number from my phone and they contacted me again through a different number.
Ive reached out to XXXX XXXX multiple times through phone and emails and have not received a response either.
|
| 10/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I moved out of my apartment about 6 months into a 12 month lease. The landlord and I agreed they would keep the security deposit and I would move out voluntarily in 7 days. A week later I gave the building manager the keys and became homeless.
I recently saw a collection account on my credit report for {$9600.00} from IQ Data showing the apartment building as the creditor. I called IQ Data and asked them to email me documentation about the amount. They offered to send it US mail but refused to email it to me. I am homeless and do not have a mailing address because I can not find a new apartment with their collection on my credit.
|
| 09/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Since XXXX XXXX I have communicated with all 3 credit bureaus that these accounts are fraudulent. I have filed an FTC report and still remain unheard with no success. I have taken several necessary steps and even reached out to Furnishers themselves. I have disputed again on XX/XX/2021. Finally An FTC report was filed on XXXX XXXX. I have been told an investigation has been verified. However, when I continue to contact them with proof and request that these accounts be removed I am told that this will be looked into. This has put a halt on acquiring new credit and it is putting a major hinderance on my ability to support my family.
|
| 05/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I broke a lease with XXXX XXXX at XXXX XXXX XXXX a few months before the end of my lease. I was never notified of additional balance due after I vacated the apartment even though I did provide forwarding information. I figured that they used deposit to cover it and were able to rent my apartment immediately. The first time I learned about a balance due was when it appeared on my credit report. Had I been given notice I would have been able to make payment arrangements. However, the balance due on this collection account that was illegally placed on my credit report with no notice is preventing me from being able to obtain housing.
|
| 01/25/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This complaint is regarding account information below that has not been investigated and no information given. Its been over XXXX months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
|
| 11/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I received a call at work at my desk phone from a representative by the name of XXXX of IQdata on Monday XX/XX/2021. I advised her that i hadn't received any notification nor proof of debt to my mailing address. i asked her not to call me at work and to please send whatever it is in writing she refused stating since she had me on the phone lets take care of it now. we went back and forth about her not calling versus discussing it with her by phone. i refused to start a n arrangement without documentation. she refused and stated she would now be moving to the next stage of collections. i still advised her to send it in writing.
|
| 02/24/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
|
| 02/24/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
|
| 08/18/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
|
| 04/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
They failed to notified me on this information. This supposedly happened in XX/XX/XXXX and the Iq Data says it is XX/XX/XXXX and there was absolutely no notification of this depth.
Also Iq Data is charging interest every month, In. Previous cmplete the state they are not a collection agency that is why they can charge these fees, this is a lie in violation. They are a collection agency and charging illegal fees to consumers. Where in the contract they claim to have say they can collect interested. They have failed to show proof of this, and provided this agency false information saying they are not a collection agency.
|
| 11/06/2023 |
Yes |
- Debt collection
- Rental debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I received a call about a rental property that I stayed at, and they stated that I owed, and I have proof that I didn't owe anything. I was letting customer service know. He got on the phone and said you owe the debt, and you are going to pay it, and he hung up on me before I could get any info. I was trying to let him know I have emails and videos of me dropping my key off and speaking to the landlord about being in the hospital with COVID/pneumonia and that I couldn't afford it because I was sick and needed to be taken care of the Landlord knew this and said it was fine just drop off the key and I did precisely that.
|
| 01/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX I received a phone call from IQ data international Inc [ phone number : XXXX ] a debt collection agency inquiring about an open debt in Florida where I appear as the debt owner or co-signer of {$12000.00} related to a moving service or a storage facility back in XX/XX/XXXX in Florida. I explained that I have never lived nor know anyone in Florida and that I didnt recognize the debt she was referring to. She started to request my mailing address that I didnt disclose and she tried to convince me that the call was legitimate by saying my XXXX ( which was correct but she could have search on social media ).
|
| 07/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I spoke with a representative of the company back in XX/XX/XXXX via phone. I instructed the employee to submit a letter with the debt they are claiming I owe. The employee of IQ international stated that she would send out the letter, however she never did. In XX/XX/XXXX, I received noticed that this debt was added to my credit file and I immediately called the company only to be hung up on by one of their Managers. I have sent a certified letter to the company giving them 30 days to respond as the law requires. As of today, XX/XX/XXXX no response as be received from this company and it has been well over 30 days.
|
| 11/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The company XXXX XXXX XXXX XXXX in XXXX XXXX, NV is requesting a debt owed of XXXX that is not accurate and the company is now closed and no longer in business and unable to be reached to resolve this falsity.
Also the dispute states there is a 2 year lease agreement on XX/XX/2021 which is not accurate. I was moved out by XX/XX/2021 because this place had extremely dangerous living conditions which is why they agreed to terminate my lease as they proceeded to go out out of business.
A new owner is XXXX XXXX XXXX XXXX and when contacted they respond with they have no correlation with XXXX XXXX XXXX, were sorry.
|
| 03/13/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
IQ DATA misled the XXXX XXXX courts by saying I owed amount that were not correct. In fact they never served me papers. They submitted fraudulent documents like contractor supply lists and one of them is dated 2013, and i was in Texas at that time, and I can prove this. This, in my opinion is a retaliation case due to the fact that it was previously dismissed, and I have documentation of this. This company is causing my family severe hardship and has caused us to become homeless. Also, this was a JUDGEMENT, not a COLLECTION. They can not attempt to hinder me by reporting it as a collection if it is a judgement.
|
| 08/19/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I am looking for removal of their reportings on all major credit bureaus, a copy of the contract between myself and IQ DATA INTERNATIONAL INC, and per my fee schedule on my XXXX I requested {$25000.00} that I can legally sue them for at this point a per XXXX they have NOT furnished anything and administratively I am now holder in due course of this arrangement per their silence and admission of falsely defaming my name publicly, I am requesting {$10000.00} for use of my Social security number per my XXXX filing Number XXXX. They have been notified not to contact me via phone but by written correspondence only.
|
| 04/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On XX/XX/2017, XXXX XXXX at XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX and XXXX. Upon, further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, IQ Data International has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
|
| 02/01/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I had an account with XXXX XXXX with a balance of around {$2500.00}. This past due account was sent to I Q Data where they've updated the account balance to {$6000.00} which is completely absurd and deceptive.
Not only did I Q Data re-age this account by updating the " date of last activity '' to reflect the date of XX/XX/2022, they also added fees in excess of over {$3000.00}. This company is unethical, unprofessional, and harassing, this causes stress. Due to this inaccuracy, my credit scores have been negatively impacted. I've reached out to this company attempting to resolve this issue but to no avail.
|
| 05/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Ive contacted XXXX multiple times over the phone XXXX app and online. Ive stated multiple times that I am a victim of identity theft and they have refused to give me a fraud alert and also refused to remove a collection account for an apartment that Ive never lived at and that Ive personally never even seen. I have my identity theft police report on the matter XXXX has removed this collection from my XXXX report its time for XXXX to follow suit and do the same because under the fcra this account should be removed from my credit report or Ill have to go further and get my legal team involved to help me.
|
| 04/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
XX/XX/XXXX Called stating I am owe an Admin fee to an apartment complex. I stated I never lived there. He said well the still have an admin fee you owe. I said no, he started going back and forth with me, stating it's going to be on my credit, I better pay it. I said do not call anymore and he was harassing me. I hung up. Another person called right back same number. I said didn't I tell you not to call me, she said haven't spoken to you. I stated to her, do not call me again. I hung up, then blocked the number.
XX/XX/XXXX Even though they are blocked, they have called 4 times and left harassed messages
|
| 05/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am in the process of purchasing a home and I found a collection account on my report. I called the collection agency ( IQ DATA INT XXXX XXXX XXXX XXXX WA XXXX XXXX ). They confirmed that this is not my account and that it is reporting wrongfully on my credit report. But, they refuse to remove it on their side. They told me that I need to find the person that owes it and make them pay. That is not place to make someone else that owes them money pay their collection while they damage my credit. This is reporting to both my XXXX and XXXX bureaus and should be removed immediately.
XXXX XXXX XX/XX/2022
|
| 10/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
|
| 08/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681a ( D ) ( 2 ) ( B ), where as my consumer report doesnt include any authorization or approval of a specific extension of credit directly or indirectly by the issuer. Therefore my character, credit worthiness and reputation are in question which goes against the law previously stated.
|
| 01/20/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
In dealing with XXXX collection company i have had difficulty getting any proof of debt whatsoever. When i was first called they claimed i broke a lease early and owed {$2200.00}.
On XX/XX/2020 i sent a debt validation letter asking them to provide the documentation XXXX XX/XX/2020 I sent an email with a copy of my notice to terminate the month to month tenancy well be fore the 60days provided in the lease.
Iq data Int reported a collection account to XXXX XXXX today without providing any validity of a debt. They even failed to check the box that the account is disputed as required by XXXX XXXX.
|
| 10/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am not responsible for the debts below, as IQ Data International, failed to provide written contracts for the original creditors existence, agreements, contracts information with balances of {$970.00} Flex Deposit and {$1800.00} XXXX XXXX XXXX IQ Data previously Deleted from XXXX, XX/XX/2023 and transferred debt to XXXX, on XX/XX/20XXXX XXXX XXXX XXXX for {$1800.00} then also reinserted Flex deposit {$970.00} to my credit profile from IQ Data International Agency has been removed reinserted multiple times, without prior authorization, and written notice to reinvestigate, per 15 U.S code : 1681i d
|
| 03/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Received a credit monitoring alert stating that a new collection was added to my credit reports. Disputed the collection and it was verified by the collection company as accurate. In addition the balance goes up {$10.00} to {$13.00} every other week per the credit monitoring service. Prior to this debt being placed on my credit report I did not receive any notice about the debt. After disputing this debt with the collection agency I still have not received sufficient documentation evidencing this debt as mine. I have not received the contract along with any information identifying this debt as mine.
|
| 07/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I cosigned for a lease on XXXX and asked that my name be removed via a phone conversation in XXXX. I had no knowledge the lease was still in my name as all communications from them stopped.
In XX/XX/XXXX a collection debt for {$15000.00} showed up on my credit. When I called they advised me it was for the lease I cosigned. I asked for proof that I signed a new lease in XXXX and they have not been able to provide it and is charging me {$2.00} in daily interest.
They sent me a letter statement of the balance owed but no proof of the lease with my email that the leasing company had on file for me.
|
| 09/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
We called IQ Data on XX/XX/2022 to dispute the collection of {$920.00} and we ask for a signed original document and they refused to send us one saying that they had already sent one which my husband and I disputed and then they started being verbally abusive and threatening. We tried to explain to them that this was not our debt and they did not want to hear this and again became verbally abusive and threatening. We also noticed that the amount of the debt they claimed we owed continued to increase every 6 days going from {$920.00} to well over {$1000.00}. Thank you for your help with this matter.
|
| 03/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
IQ data contacted my mother, they never sent any mail, did not attempt to contact me directly, and did not tell my mother that the call was due to a collection. Therefore I was never notified in any form as to me owing a dept, my options to dispute it or anything pertaining to verifying the debt. The only contact I had was when I reached out to them with no knowledge of who I was calling and what the matter was about and have not received anything since pertaining to this said collection. They now will not comply with my request and terminate all phone calls I make in attempts to handle the matter.
|
| 09/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
To whom it may concern, I recently pulled my reports and noticed you are reporting the incorrect balance for this account ( IQ DATA INTERNATIONAL XXXX ). Because the balances being reported by your company and XXXX are different, this means the account has not been properly verified. Please delete this account immediately Received verification of Debt owed to IQ International, INC on behalf of XXXX XXXX ( XXXX ) on XX/XX/2023.
The amount this is owed that they have verified is {$1600.00}. The amount that is reporting as of XX/XX/2023 to XXXX reads {$1600.00}.
( Proof has been included below )
|
| 12/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I moved out of my old apartment ( TXXXX XXXX XXXX XXXX XXXX XXXX, in XXXX, MD ) on XX/XX/XXXX, and did the walk thru on XX/XX/20. I received an email from the leasing company XXXX XXXX XXXX XXXX XXXX in XXXX, stating I owed {$200.00} for damages. The email did not indicate how to pay this amount.
Ive never received any other correspondence about this amount, via email, regular mail, or voicemail. I checked my credit report this week and found that this debt was referred to a collections agency in XXXX and now affects my credit. I have not received any correspondence from the collections agency.
|
| 09/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I called IQ Data on XX/XX/2022 to dispute the collection of {$920.00} and we ask for a signed original document and they refused to send us one saying that they had already sent one which my wife and I disputed and then they started being verbally abusive and threatening. We tried to explain to them that this was not our debt and they did not want to hear this and again became verbally abusive and threatening. We also noticed that the amount of the debt they claimed we owed continued to increase every 6 days going from {$920.00} to well over {$1000.00}. Thank you for your help with this matter.
|
| 03/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I was involved in apartment lease with XXXX XXXX but due to the pandemic I was obligatory let the apartment. I noticed the apartment manager and she said verbally dont worry you can stay and pay some payments while the month is going.
But due the pandemic my income was definitely worse, ; with any extra money to paid a least to pay the utilities.. due this situation I was decided for letting the apartment vacant. : and she told me could the best choice without any penalty,, now after months they send my account to collection without previous agreement or anything related with communications..
|
| 03/25/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I moved out of XXXX XXXX XXXX as agreed per the rental agreement XXXX XX/XX/XXXX, no new rental agreement was signed. I. Q. Data International is charging {$5700.00} for one month rent XX/XX/XXXX - XX/XX/XXXX. I have made several attempts to contact them requesting proof I signed a new lease with no success of receiving this information. At this time IQ Data is a debt collector who refuse to remove this nasty, negative, erroneous item off of my credit report. I am now being charged astronomical, outrageous, and enormous excessive fees which I never occurred as they refuse to return my deposit.
|
| 02/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2016 IQ Data International added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, IQ Data International has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
|
| 07/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
This account information appeared on my XXXX account> I am unaware of this account and who it belongs to.
Date Reported : XX/XX/XXXX Collection Agency I.Q. DATA INTERNATIONAL , INC Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XXXX XXXX, XXXX Original Amount Owed {$6500.00} Amount {$6500.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification RENTAL_OR_LEASING Last Payment Date Date of First Delinquency XX/XX/XXXX XXXX
|
| 02/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
CALLED IN TO COMPANY TO EXPLAIN THE DEBT WAS FALSE AND I WAS TRYING TO SUE THE COMPANY TO GET THE DOCUMENTS NEEDED TO CLEAR THE DEBT DEBT COLLECTOR SAID HE DIDINT BELIVE IT AND I HAD TO PAY THE DEBT ALSO PUT IN NOTES FOR OTHER EMPLOYEES TO SEE AND TOLD THEM TO NOT HELP WITH PAYMENT PLAN BECAUSE HE IS ON THE CONSUMER SIDE.
CALLED TODAY TO START PAYMENT PLAN GOT HUNG UP ON SMART REMARKS AND WAS TOLD I WOULD NOT GET A RECEIPT FOR MY PAYMENT PLAN BECAUSE ITS A SMALL AMOUNT AND I SHOULD SPEND ALL MY TAX MONEY AND LIFE SAVINGS ON THE DEBT XXXX XXXX IS THE MANAGER AND VERY RUDE AND DISRESEPCTFUL
|
| 08/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I owed XXXX XXXX {$2500.00} i reached out to them to pay it and they stated to reach out to the IQ Data collection I paid the amount owed however they are stating this case was sent to their lawyers and we owed them lawyer fees and interest total {$1700.00}. He stated we also have a court hearing which we never received got very aggressive in the phone call and stated what are you gon na do about it! I informed him its a good thing this was all being recorded since he was being very unprofessional. He also stated that they will be garnishing our wages soon if we didnt pay the amount owed.
|
| 05/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Apparently somebody was able to get a whole apartment in my name. Without being mean they must have had some type of fake. ID or something I talked to the apartments and they were completely lost and did not know what to do they said that they would contact me back in. A couple of days and they did not I called them. And got an answer and was told that I would get a call back once again. I did not I have dispute it. This collections on my credit report several times to each credit bureau and it is still on there despite. Me never living out of california and apartment is in another state
|
| 01/30/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2022, IQ DATA INTERNATIONAL added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA IQ DATA INTERNATIONAL has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
|
| 07/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Credit bureau : XXXX XXXX XXXX I noticed some inaccuracies.I previously sent a letter regarding this dispute on XX/XX/2023.
The Mistakes have not been removed fromy credit report.
. The below accounts are in fact remain inaccurate and fraudulent should be removed Immediately.
ThIs account is fraudulently Reported under the following : CALIFORNIA CIVIL CODE SECTION 1950.5 ( B ) CALIFORNIA CIVIL CODE SECTION 1950.5 ( F ) CALIFORNIA HUD 4350.3 REV-1 ( 7-18 ) US FCRA 1681s ACCOUNT XXXX XXXX XXXX.
XXXX BALANCE : {$7100.00}
|
| 02/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
A derogatory mark/debt collection for {$110.00} from IQ Data International was reported on my credit reports in XX/XX/2022 but I have never been contacted by them ( or even by the original owner of the debt, XXXX XXXX XXXX ) by phone, email, in-person or otherwise regarding this collection. I have not received a single notice or communication about this debt collection or how I could pay it before it was reported to the credit rating agencies. Because it is significantly impacting my credit report, this practice does not seem fair as I would have paid it if I was given the opportunity.
|
| 02/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
IQ data is trying to collect from me a balance owed by someone I do not even know. I asked for months for proof of debt and when it was finally received today it showed the name " XXXX XXXX '' a different unit number and different dates from when the apartment was lived in.
I overpaid XXXX XXXX apartments and they ended up refunding me. They stated I owe them nothing, as I was overpaid when I moved out.
XXXX XXXX XXXX were also paid in full. The apartment was in perfect condition upon move out and the dates listed on the form I was sent are not even in line with when I lived there.
|
| 09/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had a balance with XXXX XXXX XXXX which was well over the correct amount owed. I tracked down the debt and paid it through XXXX on XX/XX/20. The amount was {$3300.00} with a fee of {$97.00} for XXXX service fee. This account is still on my credit report being reported by XXXX XXXX XXXX with a balance of {$6500.00} as it's been collecting interest. I've reached out to the credit bureaus, to XXXX XXXX, and to XXXX XXXX XXXX. I have had no luck with reaching XXXX or XXXX XXXX who took the payment. This is drastically impacting my credit score and unfair as the debt has been well paid.
|
| 08/30/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I previously filed a complaint with CFPB against Creditor, I.Q. Data International , Inc. in Complaint No. XXXX. Creditor made materially false statements to the CFPB in its response.
In its response, Creditor states : " The final account statement reflects XXXX XXXX is not being charged for any lease break fees .... '' As is evidenced by the last page of the Debt Validation Letter sent by XXXX XXXX XXXX XXXX XX/XX/2023, I am clearly being charged for a lease break fee in the current amount of {$2600.00}. This constitutes a materially false statement by Creditor to a federal bureau.
|
| 05/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
IQ Data International, INC Account : XXXX I never had any contracts, businesses or anything to do with this company, They claim that I owe them {$9800.00} and that they validated the account which is 100 % a BIG lie. Show me that I had a legal contract with YOUR company otherwise by law you have to delete this from my credit report. I know that you can't prove it because you know very well that I've never had an account or any legal contracts with you. Therefore you have 20 days to delete this from my credit reports that you ILLEGALLY and without my consent had reported to my report.
|
| 01/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
They called my nephew XXXX XXXX. They disclosed my personal information associated with my credit report and read him personal emails. The email was sent prior to the maintenance man doing a XXXX XXXX. He was told if he dont pay they were going to take further action. In addition, they did not disclose the management team was notified due to maintenance man touched me inappropriately while pregnant. I advised them, the apartment complex, of the issue and never resolved. Now they have turned over to third party to whom are disclosing my personal credit information to someone else!!!!!
|
| 10/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The 3 Credit Bureaus are reporting inaccurate information on I.Q. DATA INTERNATIONAL which openedXX/XX/2020 ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
|
| 12/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XXXX XXXX, 2020, IQ DATA INTERNATIONAL IN add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA I.Q. DATA INTERNATIO has violated my rights as a consumer and I requesting legal action to remove this account immediately.
|
| 06/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have disputed this account numerous of times with I.Q. Data Solutions. I have requested the proper verification to show that I am responsible of a debt owed with I.Q. Data and they have failed to validate or provide any contract binding me legally with this company. Each time I have called to speak to a representative I am either hung up on, placed on an extensive hold or spoken too rudely and inappropriately. This issue is affecting my credit score and credit repairing. What they have provided with me with shows no proof that any agreement or contract was signed with them.
|
| 04/05/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
IQ Data response was all inaccurate. There was no statement made by me and company has failed to abide by the law. I have communicated with this company with every verification. They are acting against my fair credit reporting acts and at this point acting against all laws and my rights.
This company needs to be investigated. Their response is fraudulent/lies like their claim. They refuse to investigate and just want funds that's not owed to them. They claimed to be a tenant debt but have no court judgment. This company is using their ability to their advantage illegally
|
| 12/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
I got multiple calls and messages from a company name I.Q. data International about a debt they purchase from another company that claims I owe them money they obtain my private information called my ex wife and family members even my old job looking for me after I told them I didnt make any business with them or gave anyone permission to give out my information but have reflected negative information with the 3 credit bureau that has affected my credit.
They claim I owe them {$17000.00} and it keep going up every month. They reported to the credit bureau on XX/XX/2018
|
| 03/22/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
I received a spam call from XXXX XXXX XXXX. He called to collect a debt on behalf of IQ Data International , Inc.. When I requested to have an invoice sent to me via email, he claimed that he could not grant my request but can tell me over the phone questions about my invoice and an invoice was sent to another address. I explained that I do not know him or feel he is trustworthy to rely accurate information. His call was spammed. He became very rude, speaking over me and threatening. IQ Data International , Inc is pulling my personal and private information unlawfully.
|
| 02/01/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I DISCOVERED VIA MY CREDIT REPORT FRAUD ACCOUNTS THAT I DID NOT OPEN, I THEN CONTACTED THE COMPANIES AS WELL AS THE THREE MAJOR CREDIT REPORTING AGENCIES. TO MY DISMAY, THREE COLLECTIONS AGENCIES ARE STILL TRYING TO COLLECT ON THESE FRAUDULENT ACCOUNTS. I SENT TO THE CREDIT AGENCIES A LETTER AS WELL AS AN FTC REPORT AND A POLICE REPORT AND STILL, THESE COMPANIES ARE TRYING TO COLLECT MONEY ON AN ACCOUNT THAT IS NO MINE.
XXXX XXXX XXXX FOR $ XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX FOR {$1100.00} ACCOUNT NUMBER XXXX XXXX & XXXX XXXX FOR {$450.00} ACCOUNT NUMBER XXXX
|
| 09/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have never lived at the apartment that is saying I owe this debt to. I have told numerous collection agencies that they have sold my debt to that I am a victim of Identity theft and that said agency removes the debt. I have never lived at this address I have never walked into this apartment complex and handed them my Identification to obtain an apartment. They allowed someone to apply online and move in without ever having to show proof of Identity in person. That person was NOT me! This is not my debt!! This apartment or rental agency failed to protect my identity.
|
| 11/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
Servicemember |
|
Tried to contact them about issues they dont care still saying pay and this isnt my bill! Fraudulent activitys also the price goes up every day with this company! Every time I call they add more to that account! Why they wont free my name? Let me go! The company has no rights to charges through fraudulent activities! The customer service keeps calling saying bad things not caring to anything I say! Very mean and not professional about there business! They just trying to XXXX who they can! Online activities thats pushed through fraudulent activities they should be sued
|
| 07/31/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Please validate this debt because : * I would like debt validation on this account, as requested.
* I have not made any payments on this alleged account that would have reduced the balance.
* I would like proof of how these alleged payments were made. I believe the reporting is false and an attempt to keep this account active on my credit report.
* I would like an explanation of how any increases were calculated on this alleged account.
Based on the reported activity, it seems that IQ Data International Inc may be updating this alleged account to keep it active.
|
| 05/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Received letter XX/XX/XXXX sent letter and they received debt validation letter XX/XX/XXXX. They contacted me XX/XX/XXXX at XXXX requesting payment. They are supposed to stop collecting until they send the debt validation. They reached out to me and family members. I called at XXXX XXXX and they would not let me speak kept talking over me I told them I would verify my personal information and they kept asking me is this for the XXXX XXXX account. I gave him my name my birthdate and asked him what else he wanted and he kept asking me if this was the XXXX XXXX account.
|
| 10/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
The 1st letter was sent on XX/XX/2023 and received on XX/XX/2023 XXXX Tracking # XXXX In the first letter I disputed and asked for validation and verification of the debt.
The 2nd letter was sent on XX/XX/2023 and received on XX/XX/2023 XXXX Tracking # XXXX In the second letter I asked again for the validation and verification of the debt.
The 3rd letter was sent on XX/XX/2023 In the third letter I asked once more for the validation and verification of the debt, it was not marked as disputed so I informed them that they violated a federal law.
Tracking # XXXX
|
| 04/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
IQ DATA INT'L INC XXXX, is violating my rights. as a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for all accounts created by my seal/signature,.
The account in question is a debt buying company that is violating several FCRA FDCP statutes. 1692. ( b ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once 15USC 1692 ( f )
|
| 12/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am writing to inform you of your violation of the Fair Debt Collection Practices Act ( 15 USC 1692 ) and to demand the immediate cessation of all communication, collection activities, and reporting to credit reporting agencies concerning the alleged debt.
Under 15 USC 1692, you are required to adhere to specific rules and regulations when attempting to collect a debt. It has come to my attention that you have failed to comply with these regulations by engaging in [ describe the specific violations, such as harassment, misrepresentation, or unfair practices ].
|
| 06/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
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I received a copy of my credit reports and found a debt to XXXX XXXX NV being collected by IQ Data International. I moved out at the end of my lease and gave correct notice. I received a partial security deposit back as they used part for cleaning. I have tried sending debt validation to IQ Data International , Inc and gotten all letters returned to me. I have tried calling and I get very hostile, rude responses telling me just to pay it and I owe it. I have no reason to owe this property any money, and if I did, why would they give me back part of my deposit?
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| 03/20/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have to of the same charges for the same property I never Evan lived there Ive shown proof it was my mother living there using my name an the original balance was XXXX dollars when she moved out they allowed XXXX to get into the property after an I never knew so they chargede for all the months of rent the homeless people where in there now the delt has increased tremendously an keeps going up by XXXX to XXXX dollars every week since it's popped up on my credit not to mention there's another account for the same property charging the same amount to my credit
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| 09/27/2021 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have disputed this debt with IQ Data Several times, and I've received no response at all, their first violation of the FCRA. They have continued to report the disputed debt, their second violation of the FCRA. I have even filed a XXXX complaint against them to seer f I could get them to respond, they did not. They have refused to validate a debt at a consumers request, a violation of the FDCPA. They have illegally assessed interest, penalties and fees to the account, clearly evident on my credit. They are breaking the law and it is destroying my reputation!
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| 06/25/2023 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Account info Account name IQ DATA INTERNATIONA Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$5.00}, XXXX past due as of XX/XX/XXXX.
Status updated XX/XX/XXXX Balance {$5200.00} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {$0.00} Original balance {$4300.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Company is fraudulently reporting on my credit. I never signed signed any documents stating I give consent to this 1 month payment. The amount is not authorized.
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| 09/05/2021 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I SENT A MAIL ASKING FOR VALIDATION OF THE DEBT THEY CLAIMED I OWE DATED XX/XX/XXXX, THEN ANOTHER ONE ON XX/XX/XXXX. BECAUSE OF NO RESPOND I FOLLOW UP ANOTHER LETTER DATED XXXX AND XX/XX/XXXX. I HAVE BEEN TRYING TO REACH OUT TO THEM AND ASK FOR A PROPER VALIDATION OF THE DEBT FOR {$1200.00}. IN ADDITION THE BALANCE OF THIS DEBT IS NOT CONSISTENT. THEY HAVE BEEN REPORTING SEVERAL DIFFERENT BALANCES IN THE ACCOUNT. HOW CAN THEY DO THAT? WHERE ARE ALL THIS INFORMATION COMING FROM. PLEASE SEE ATTACHED FILE FROM PREVIOUS MONTHS WITH INCONSISTENT BALANCE REPORTED
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| 05/04/2022 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Called to try to set up a payment arrangement to help pay off a debt on my credit report, I paid {$100.00} to start the payment arrangement. Was told I needed to pay full balance by the XXXX of XXXX otherwise they wouldnt delete it off my credit. Was harassed and they were trying to force me to pay the full amount. Saying if I dont they will not take it off my credit at all. Continued to Harass me and when I mention going to court they hung up on me. I didnt get a confirmation number for my {$100.00} payment all they gave me was their names, XXXX and XXXX
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| 08/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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The company is titled IQ data international. XXXX XXXX has deleted the information from my credit report. However, after disputing the information with XXXX and XXXX, they are not taking it off. The company is providing information that the date is correct so I disputed it directly with the company, and or a collection agency providing them proof that the account in question was already paid before it was placed on my credit report with no resolution I have been disputing this account every XXXX weeks since XX/XX/XXXX the account was paid XX/XX/XXXX XXXX
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| 05/31/2023 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I reached out IQ data international and disputed an amount of XXXX $ via phone call and email yet they reported on my credit report. I was threatened with the debt being reported on my credit report if I decided to dispute the amount. There were multiple emails from the property management of XXXX as well on this issue and IQ never responded to the emails. The debt is now reported on my credit report with out any further notice to me. Attached are the final account statement and the XXXX transaction showing the amount paid as the final account statement.
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| 02/23/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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RESUBMISSION : I reached out to IQ Data XX/XX/XXXX and I never received anything back from them. I am seeing that they received my letter and instead of replying back with information on this alleged account they have " increased the balance '' of the account. I have uploaded the green slip that shows that I mailed off a letter to request validation and again nothing was received except for these notifications that the balance that the account amount is increasing. I also filed an original complaint XX/XX/XXXX and it was closed without being looked into.
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| 11/10/2021 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I.Q. International Data is a debt collector for XXXX XXXX XXXX XXXX XXXX which has increased alleged the amount owed with six percent daily interest for years without any contractual agreement with my signature from XXXX to XXXX. In violation of FDCPA 1692e ( 2 ), where the collector claims an amount more than actually owed ( allegedly due to interest, late charges or other fees, that are not authorized ). I would like these practices to end not only for me but for all hard working Americans that have dealt with this type unethical profiteering behavior.
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| 06/19/2021 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I, XXXX XXXX XXXX, attempted to open a line of credit with a major credit company. I was told due to a mark on my credit report that I can not participate in such lines of credit. I checked my report through my bank, and saw a collection for the total of. XXXX $ on the date of XX/XX/2018. I never received a call, or a letter of verification or ability to dispute within 30 days. I was never informed of where this apparent debt was incurred, or how I could even potentially pay it off.
This is a clear violation of the Federal Debt Collection Practices Act.
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| 12/28/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have a debt collect from a apartment I stayed in from XXXX. I put in a notice to vacate 60 days prior I did a walk through and turned in my keys. Now two years later they are stating I broke my lease and caused damage that I didnt not do. I have asked for a list from it data international and the XXXX and no one will give it to me. I never got anything from the XXXX when I moved out. No deposit back. No summary are anything from the via mail email or call and they had my forwarding address.
The companies involved Iq data international XXXX XXXX
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| 05/08/2023 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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This collection agency has a debt that was never even set to me for a prior place that I lived. They also keep adding an additional dollar each month to the amount owed that they bought from my original creditor and it continually nicks my credit report and drops my credit score every month for an additional dollar that can't be legal for them to translate more money than they actually bought not to mention have never sent me anything in writing nor have they ever called me I'm not paying this debt but I'm afraid that they continue to ruin my credit
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| 05/03/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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We had to break our lease due to us being harassed by an employee that lived under our apartment in 2022, we had emails of telling the manager and her only offering to move us to another unit for a fee They werent willing to help us out and after my son being traumatized by all the events we decided to leave. Now we are under collections with IQ data and the only way I found this out was because I checked out my credit report and saw it on there. I never received any letters saying anything about this collection.
In our contract it states that we
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| 07/18/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I filed a dispute regarding the debt to XXXX, XXXX, and XXXX. I submitted the cashed money order as proof of payment and should be removed from my credit report. It was removed and then re-reported. I submitted proof of payment to IQ Data International Inc at the following address XXXX XXXX XXXX XXXX, WA XXXX and IQ Data International XXXX XXXX XXXX XXXX, WA XXXX which is the collection company that purchased the XXXX account. It has been over 30 days and months of issuing letters and it is still being reported incorrectly on my credit report.
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| 09/10/2023 |
Yes |
- Debt collection
- Rental debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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When the agent called me on XXXX XXXXXXXX XXXX the agent did not tell me that the call was being recorded until over halfway through. I tried to explain to her that we were going to small claims court and she was telling me that the other side had lawyers and that I would not win because of things that I did not do. She was telling me that I had not read my lease and that I had done things that I had done and not done. The phone call was at XXXX XXXX and lasted XXXX mins and XXXX seconds. I took the time and the length of time off of my phone.
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| 08/31/2023 |
Yes |
- Debt collection
- Rental debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I tried to arrange a payment plan with IQ Data Inc. I provided my unforseen circumstances. Was told they cant take my payment plan and further action would be taken. Said my account would be marked as a refusal to pay and they move further. Told her I am not refusing to pay. She said she would not take my payment an proceeded to state legal action would be taken. Told them I was unemployed but recently got a job and could be pay consistently but said no. Threaten to take legal action. Advise I want to pay but was she refused to take my payment
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| 04/02/2023 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Attempting to collect a debt that has not been validated and they are in violation of Texas Finance Code 392.101 Sec. 392.101. BOND REQUIREMENT. ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state.
I have also filed a complaint with the State Attorney General 's Office.
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| 04/07/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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An apartment community called XXXX at XXXX XXXX in XXXX Texas sent me to collections without providing me a bill or notification of debt. I received no communication at all even though they have my email and phone number and I had left a forwarding address. The first that I heard of the debt was from a collections call. They are also attempting to charge me a XXXX dollar fee for not providing 60 days notice when I have written email proof that I most certainly did provide the notice and have an email of them confirming that 60 day notice.
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| 03/10/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Creditor claims I renewed a lease with them and owe over {$20000.00} for the lease term, but they have failed to produce such documents showing I signed for a lease renewal. Moreover, I have a company letterhead stating they transferred me on XX/XX/2021 ( months before my lease with them ended and well before the lease renewal date ) to Georgia for work and have been there since in corporate housing paid for by the company.
The question is, how could I have signed for a lease if I wasn't present in the state of Colorado to sign for it?
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| 05/08/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XX/XX/23 - submitted validation letter to IQ data international for a debt that is on my credit. After them sending me the information I investigated and found out this account is the result of fraud. I never opened an account with sure deposit and the contract they sent me is from an address I never lived at & there is no wet signature with my valid signature on that contract. I asked them to delete its been 45 days. I told them it was the result of fraud but its still on my credit report and damaging my credit. Please have them delete
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| 02/03/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Hi, Today I received a letter from " I.Q. Data International , Inc. '' stating that I owed a Principal Balance to a previous apartment complex named " XXXX XXXX '' out of XXXX, CO in the amount of {$2700.00} + Interest of {$570.00}.
I have confirmation that this debt was paid XX/XX/2021. I have provided proof and they want me to call back weekly - every Friday?
This is false debt and has been paid and the amount showing on the account due from the apartment complex is fully paid with a {$0.00} balance from years ago.
Thank You,
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| 03/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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This company in which I hold no contract with nor have received services from reported a collection account against my Social Security Number in the amount of { {$6400.00} } with XXXX, XXXX & XXXX credit reporting agencies. I requested verification and validation of the alleged debt and account, however, the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof, I am not obligated to pay for the alleged debt.
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| 05/23/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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There is a collection account for XXXX XXXX on my reports, and 2 separate collection firms have marked onto credit reports.
They are I.q. data international for 2 amounts totaling {$10000.00} Also XXXX XXXX XXXX is marking for same debt at {$11000.00} Neither firm has submitted proof of the debt owing, nor have they responded to requests showing an itemized list or pictures. And none of the credit bureau have removed collection as required by the FDCPA.
I am appealing to you to have this removed immediately.
XXXX XXXX XXXX
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| 03/12/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I rented an apartment from XXXX for one year. XX/XX/XXXX - XX/XX/XXXX. Upon move out they kept my deposit and charged an additional {$700.00}. I never knew what the charges were for, and when I called the office because I had gotten a notice that it was in collections they would not talk to me. Now IQ Data is reporting as a collection, when it was never validated. I requested for receipts and proof that they did not replace carpet in all units upon move out, and I never received anything. I do not feel the charges are legitimate.
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| 01/14/2022 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I've told previous management multiple times before the lease was ending that I was not renewing my lease because I was leaving to XXXX. She understood and We came to that agreement. Then comes XX/XX/XXXX hen my lease ended, I moved out and she contacts me and says I needed to give her 60 days ' notice that I would be would now have to be responsible for rent until XX/XX/XXXX. I told her I was not renewing my lease multiple times and she knew that and yet and still charged me. This is now on my credit for a charge of {$4000.00}
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| 03/24/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I received a letter stating that I owe debt to this company on XX/XX/2022. I am unsure as to why I owe this company money, so I consulted my attorney and sent them a letter asking them to validate this debt, provide proof they are able to collect this debt, itemized bill of the debt, as well as an agreement for me to pay this debt. My lawyer mailed a certified letter to this collector on XX/XX/2022 and we did not receive a response. I was surprised to find they have now reported this debt and it is not effecting my credit.
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| 08/19/2022 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I started to work on my credit and when i pulledmy reports I noticed a collection account for I Q Data Internation. I sent in dispute letter and they sent me back a list of items that they say i owe for. When i did the final walk thru none of these items were a problem, now they claim I owe them XXXX. I do not know how they came up with this amount mainly because they said the carpet needed to be replaced and that is simply not true.. I ould like proof that they needed to changed out the carpet because of something I did..
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| 03/06/2022 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
Servicemember |
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I was trying to make a payment plan where my debt would be paid in XXXXour months but they said it wasn't a big enough payment they threatened to sue me. Because they didn't agree on my payment amount they restricted my account so I can no longer call them or go online to pay. This is with XXXX XXXX XXXX. They want me to send my payment in threw the mail. Their website says they value fairness. When I would call before all this they would bombard me with questions and try to force me into taking another loan out with them.
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| 06/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
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| 10/18/2022 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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The debt collector is trying to collect the wrong amount. I have sent many written requests about the debt. I have not received anything. I have started the process to take the debt collector to a small claims court. I have not received any written itemized ledger of the total that the debt collector is claiming. Please remove it from my credit until the debt collector can show proof of the debt amount owned. Please remove this account from all three credit bureaus until the debt is verified with an itemized statement.
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| 04/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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XX/XX/2019 I moved out of an apartment complex because my husband and I purchased a home. Recently, I was notified that I owed more than $ XXXX for charges related to the canceled lease and they were grossly misrepresented and inflated. I contacted an attorney and tried to resolve the issue with the collection company but they have not responded back. All claims made by the apartment complex is not only false but they are attempting to ruin my credit and my mother who co-signed as retaliation for the disputed charges.
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| 11/11/2023 |
Yes |
- Debt collection
- Rental debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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XXXX XXXX out of XXXX, Washington called me on XX/XX/XXXX at XXXX saying I owed XXXX. I told them it was not my debt, it was my ex. They called again on XX/XX/XXXX at XXXX XXXX and hung up. They also called today, XX/XX/XXXX at XXXX. I have not received a letter for the debt as of today. I informed them there was a fraud situation going on with the original creditor and I would not give them any other information. It was a simple as a XXXX search to find my address as I did it and it was the first item in the search.
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| 06/16/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Hello, my name is XXXX XXXX i have been contacted by IQData international about two separate apartments that don't match my social security information. I have tried to resolve these issues with the company several times as i have expressed to them that they have the wrong information attached to my name and i don't owe these debts to the complex 's. I have been dealing with these issues since 2019 and they still are not resolved, I have sent them information several times and they keep saying they never received it
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| 06/08/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Regarding reference number XXXX, a certified mail communication has been forwarded concerning the debt attributed to XXXX XXXX. The said debt is currently being contested, and a small claims complaint has been filed against the XXXX ( they reported the debt ) in the XXXX XXXX XXXX XXXX for the sum of {$800.00}. The court has scheduled the hearing for XX/XX/2023. It is important to note that, since this matter is currently subject to litigation, the debt can not be considered mine until a judgment has been rendered.
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| 09/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I filed a complaint with the CFPB that The company IQ data is reporting incorrect information on my credit reports ( XXXX, XXXX XXXX XXXX ) by law the company is supposed to respond to my inquiry within 5 days acknowledging that they have received the complaint, this was sent to the company on XX/XX/XXXX it is now XX/XX/XXXX and the company reporting IQ Data has not acknowledged they have received my complaint I ask that this incorrect account be permanently BE REMOVED/DELETED from all 3 credit reports IMMEDIATELY!
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| 12/22/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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About a month ago, a collection company started calling me every day abt an apartment I leased They said I owed {$2100.00} They never sent any written documents or emails, just calls They put the debt on my credit report and when I tried resolving it they wont let me do a payment plan They want to put everything on my credit card at once.
The agent was forcefully threatening to not allow me resolve it again if I end the call to speak with my lawyer He was asking me to ask my credit card company for increased limit
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| 07/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
Servicemember |
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Today ( XX/XX/XXXX ) I called IQ Data directly and the representative stated the words verbatim 3 notices were sent out between XXXX and were not sending anything else. Are you settling or what?
I then proceeded to say, no, I have a right to validate debt, now what address did you send those notices to starting from XXXX?
Her response was the address in XXXX doesnt matter and she provided me an address that is my moms address and proceeded to say, thats not my problem you didnt receive it. Check with your mom.
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| 08/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I recently reviewed my credit profile through a credit monitoring agency. I noticed a derogatory item from the company. I never received any communication from this company. I never received information regarding validation of this alleged debt. I never received information that this company can legally collect debt in my state. The company has continued to add fees, making the alleged debt 's amount to increase. This derogatory item on my credit profile is affecting my good name. I take my reputation seriously.
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| 04/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I received a VERY rude and berating call from the representative at IQ Data INC. They constantly interrupt and cut you off. By far the most insulting experience from a company I have received. This was for an old apartment that I actually paid on time EVERY month and had proof I always paid and gave proper notice as well as completed my lease term. The company that reported to them does not even manage the apartment complex anymore. I tried to explain to the reps at IQ Data INC and they became insultingly rude.
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| 06/28/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
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Web |
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This company has reported false information on my credit report and is risking my credit worthiness. This debt i have no knowledge of and the company has tarnished my credit worthiness. I demand these fraudulent accounts to be removed or further action will be taken.This company is penalizing individuals as myself that have nothing to do with there negative tactics of accusing consumers of debt THAT I DO NOT OWN .Other complaints have been filed and i will continue to press forward reporting this awful company!
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| 08/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have a loan with IQ DATA INT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), IQ DATA INT ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, IQ DATA INT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), IQ DATA INT ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX with no successful resolution. There was definitely an error on their part.
|
| 08/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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I have a loan with IQ DATA INT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), IQ DATA INT ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, IQ DATA INT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), IQ DATA INT ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX with no successful resolution. There was definitely an error on their part.
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| 12/03/2023 |
Yes |
- Debt collection
- Rental debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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For over a year now Ive been trying to figure this out. I told them multiple times after they called so many times that I never lived at this place. I had written documentation that was notarized to prove I wasnt. They never sent me information letting me know there would be an attempt to collect debt. And when I did speak to them I asked to send me information which I never got. Now its causing me problems in my personal life and finances its hindering me from becoming financially independent and successful
|
| 06/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX this collector called me and threatened me and my family. They were trying to make me apply for new credit. This was reportedly taken care of by our property XXXX due to a hostile living environment that caused my family and I undue health XXXX. I do not have an account with this vendor. Therefore they don't own the debt. When I have disputed this information they keep adding fake payments to all three bureaus in order to keep the debt verified.
|
| 01/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A collections agency, XXXX XXXX XXXX, is reporting on my credit report that I owe {$2400.00}, which includes {$730.00} in what they say is accrued interest. I sent a letter of validation to them, which I confirmed they received with USPS on XX/XX/2021 ( and will attach the tracking number ), but they have not responded to me since then.
The XXXX period for XXXX XXXX XXXX to respond to my request for validation ended in XX/XX/2021, and they must now stop reporting this alleged debt on my credit report.
|
| 10/16/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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IQ Data International - reference no. XXXX on behalf of XXXX XXXX XXXX XXXX claims debt owed in excess of {$800.00}. I have disputed this debt as allowed by IQ Data and have received no indication of why the debt is owed.
I have disputed the debt and provided proof of full payment through the end of my lease. Disputes sent to IQ Data on XXXX and again on XXXX. Sent via certified mail and I have copies of the documents that were sent.
IQ Data has since filed a negative report to the credit agencies.
|
| 02/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
IQ DATA INTERNATIONAL INC/ [ collection company ] /XXXX XXXX [ 7k plus ] : Credit Bureaus : XXXX XXXX I've removed this from my credit, on 2 Separate occasions, with lawyers working on my behalf. I have supporting documents, Which proves the 'JUDGE ', indicated the debt is false. THEIR 'LAWYERS ' WERE PRESENT AND AGREED TO THESE TERMS!
[ The document signed and initialed XXXX dollars ' owed ] This have prevented me, from providing my family with Shelter. Please help me with this occurring FALSE Debt.
|
| 11/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2021 I reached out to IQ Data International and requested they provide documentation that proves I willingly entered into a contract with them and to display the signatures of both parties involved. This company did not do that. Nor did they cease collection activities and reporting as federal law states until the requested proof can be provided. This company is harassing me and as mentioned in my first letter, I would seek assistance from CFPB & State Attorney should they continue to do so.
|
| 03/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I am being harass by IQ Data. XXXX XXXX calls and calls and calls. Even after I tell him I will make a payment on a select date. When he calls he keep telling me I have to pay now and told me on a lot of occasions that I need to take out a loan ( which he try to get me company 's for ) so I can pay IQ. He also told me he was going to call other people to let them know I am not paying my bills on time. Even after I paid a payment, he still said that was enough and I needed to pay the full amount now.
|
| 12/02/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have tried several times to contact the company and have this debt verified. I have not been able to get any answer on the debt. I have also tried to dispute the debt with the credit bureaus and no results. When I called the credit bureaus about this account I was told that the company told them that everything is correct and not to dispute it anymore. The account has different amounts and dates and with them not verifying this debt and everything is different from one credit report to the other.
|
| 08/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Received unwanted marketing or advertising
|
|
Web |
|
|
I wanted to speak to XXXX XXXX about my Debt collection account. There is a number listed for XXXX XXXX but after speaking to the agent it Was more of him trying to help me with a debt I ask if this was XXXX XXXX twice and both times was confirmed after giving the last 4 digits I was asked for a {$1.00} payment to get help with this issue. This is fraud because I asked if this was XXXX XXXX. I am worried about my social number and I was asked To push a Link. There number was XXXX ( XXXX ) XXXX
|
| 10/20/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
Last year I co signed an apartment with my cousin she moved out and moved a complete stranger from an ad I asked manager to evict him or ask him to leave they told me no. My cousin spoke to them and they all agreed to get me off the lease I have email from the manager saying she was working on it. Today I started getting phone calls at my job by debt collector threatening me telling me this isnt going away what am I gon na do I have to pay XXXX saying she has my social and will just garnish wages
|
| 08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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I have sent in a requests to all 3 bureau 's to investigate and provid me with signed documentation, that I in fact owe the debt collections on my report. I have not been provided this information after multiple requests and so it needs to be removed off my credit report. This is deformation od my character and causing hardship on my everyday life and I am trying to buy a home. The credit bureau investigation only comes back UPDATED. No verification that I actually own and owed on these accounts.
|
| 06/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
They offered me a pay to delete. It was removed from XXXX but XXXX XXXX is still showing it and theyre saying it still shows when they pull up my report. I called XXXX and they said they couldnt see the debt at all. After providing some more information they saw it was deleted by IQ data. They didnt report it as pod of anything. Upon further research Ive found that pay to delete is a unethical method used by collection agencies that I was a victim too. Luckily I do have receipts of this to prove.
|
| 05/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Spoke to a member of this collection agency. Informed him that I have not received notice of the debt. The debt was sent to the wrong location and requested proof of debt with copy of my lease in which he said he was reading. Informed him that I am not saying I will not pay nor I will pay I'm requesting proof to sent to the correct location. The representative said they did their due diligence and by contacting them I am refusing to pay the debt today they would be taking legal action against me.
|
| 10/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
Servicemember |
|
On XX/XX/2020 at XXXX XXXX, Spoke to XXXX XXXX was put on hold and then cut off. Returned call and was routed back to XXXX at XXXX XXXX. Requested information on the debt as none had been provided in writing. I became aware through my credit report. XXXX would not provide the information and began yelling and making accusations. Refused to transfer to a supervisor when asked multiple times and continued to yell and cut me off from speaking then said he was done talking to me and hung up the call.
|
| 08/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/21 I sent a certified letter to a dispute letter to IQ Data International to verify a debt they claimed that I owed over 30 days have gone by and this company is in violation of FDCPA, section 809 ( b ). This company is attempting to get a {$1800.00} payment and have constantly called me even after I asked to be placed on the do not call list as well. I don't owe this harassing company a dime and I'd like them to obey the law and remove this negative report that they did not verify.
|
| 03/31/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I got an alert on XXXX XXXX about a collection account in tune of {$9200.00} in XXXX of XXXX owed to original creditor : XXXX XXXX XXXX XXXX XXXX .
I called to dispute but nobody would talk to me.
Someone in Massachusetts is using my SSN to rent apartment and utilities. I have never been to Massachusetts or California or its suburbs I leave in XXXX Florida for th longest. I have a fraud alert on my credit report so please do not grant or extend aid to anybody under disguise that its me.
|
| 08/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
IQ DATA INTERNATIONAL {$4200.00} XXXX XXXX.
UNDER 15 U.S. Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
I, XXXX XXXX XXXX never gave IQ DATE INTERNATIONAL any written consent to report anything on my consumer report. No consent is Identity Theft.
|
| 07/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I.Q. DATA INTERNATIO is a company reporting that I have NOT paid off {$1200.00} on my credit. I have paid this company, but they are asking me for a total of {$9000.00} to get it taken off of my credit because of another account that is not on my credit. I tried to contact them to have what was on my credit taken off, but they demand a larger amount than what is being reported on my account. I have the payment latter stating that I have PAID IN FULL. But they still will not remove this.
|
| 08/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
The bill is from a recent apt I lived in..They are saying that the apartment was dirty and charged me for a extra cleaning fee etc..totaling almos $ XXXX.I 've been going back and forth with them because I have video from when I left the apt and it was clean. The apartment was not in bad shape at all..They moved someone in the next week after I moved. Then the guy from collections is very rude. Stated that I need to pay my bills or it will affect my credit when those charges are false.
|
| 07/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
Servicemember |
|
Attempted to settle the debt, they asked for multiple personal details ( rent, dependents, etc ) I refused to give that information. I asked for a manager. The woman was instantly aggressive and began yelling at me. She was yelling that I owe this debt I have to pay it etc. I couldnt get a word in to explain I was attempting to settle the debt, so I got frustrated reacted and hung up. After that they tried to put a duplicate collection on my XXXX credit report, which I had to dispute.
|
| 03/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company is constantly calling me about a debt that I am not responsible for. They have the wrong lease year for my apartment.
They also have continuously been using aggressive tactics and are unreasonable on the phone. I have stopped answering their phone calls as a result. I've tried to explain that the debt I had was paid. I filed a dispute with XXXX XXXX, but IQ Data has refused to remove the debt from collections. I filed an additional dispute which is currently in process.
|
| 02/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
They added this to my credit report. I am trying to fix my credit so I called. I said if we can come to a settlement can you send it in writing I will pay it. He started cussing at me telling me he doesn't have to do XXXX and he will raise the amount and you will be sorry Woke up this morning the amount is up. This is the worse company ever all I was trying to do is settlement and get in to writing they would remove from my report of I paid. He then said XXXX you and XXXX XXXX XXXX.
|
| 02/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
IQ DATA INTERNATIONAL is attempting to collect a debt for an apartment complex ( XXXX ) I lived at 3 years ago. They claim I owe rent beyond the end of my lease due to lack of notice and for damages. The lease terms were completed and a joint move out inspection was requested. The management did not respond. I have documentation to support.
IQ DATA INTERNATIONAL is reporting this debt to my account every 3-5 business days. My credit score was XXXX prior to this abusive behavior.
|
| 04/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I was put in collection while waiting for the trial court which I was a plaintiff. The defendant was cited but did not appear to the trial. After consideration and examination of all proofs, the judge found that I wasn't supposed to be charged but they must give my deposit back ; the judge ask me to find a debt attorney to get me out the collection, that's why I contact you before I take any further action.
I try to contact them but it seems like they don't want to deal with me.
|
| 02/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
Communication with XXXX XXXX frequently involved being placed on excessive hold time.
XXXX did not issue an email verifying payment in full and deletion of the account within the period of time they reported they would.
I was told to expect this email with receipt of payment within 1 to 2 hours. I contacted the company after 2 hours had passed to inquire where my receipt of payment was. They placed me on a hold which at the time of writing this complaint is XXXXXXXX XXXX long.
|
| 01/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received notice that the collection agency received a document for an old lease I cosigner back in XXXX. I was removed from the lease as of XX/XX/XXXX when a new company took ownership of the property. The collection agency has all of the supporting documents as well as a statement from the property manager and they still refuse to remove me from the collection. The property manager keeps sending the paperwork and the collection agency keeps saying they " never received it ''.
|
| 01/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
I tried contacted the collector after being overwhelmed with being harassed by them to settle debt. I gave them a offer they refuse it told me they would sue me and I had to start a payment plan and pay it in full. They have threatened me with interest if I was to not pay. The debt is very old I have been XXXX for 5 years due to it. I am asking them to remove it and show me documentation where I agreed to pay interest if broke the lease also I was an XXXX XXXX XXXX at the time.
|
| 12/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The full amount was taken from my deposit which is {$500.00} and is paid in full with all correspondence with the credit bureaus or CFPB. The information being reported is incorrect and the law protects me from this incorrect information being reported to my credit bureaus. My lawyer and I are closely monitoring all activity regarding the collection in my credit reports. I need this to be solved as soon as possible or else my lawyer and I will take action regarding this matter.
|
| 11/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have been a victim of Identity theft and I notified XXXX and XXXX XXXX XXXX to dispute a fraudulent eviction account in the amount of {$6100.00} which has been inaccurately reported since XXXX of XX/XX/2019. The fraudulently account continues to be inaccurate reported on my credit file even after I have provided documentation from the FTC, IRS and police showing that my identity was stole by XXXX XXXX XXXX. I have filed numerous disputes to no avail.
Respectfully, XXXX XXXX
|
| 03/10/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
IQ Data contacted me today ( XX/XX/21 ) in an attempt to collect a debt of {$130.00} which was, to my knowledge still disputed. The company misrepresented the outcome of the dispute stating that the dispute had resulted in the debt still being active and I paid in fear of my credit score dropping. However, when I went to check the results of the dispute, the case had actually been ruled in my favor days prior. IQ Data misrepresented my dispute for financial gain at my expense.
|
| 08/10/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I tried disputing IQ DATA INTERNATIONAL but their saying its accurate. I never legally signed a lease with that apartment complex and I felt misled and taken advantage of because they made me pay the security deposit to put the apartment in my name before I even signed anything. I have no information of any agreement between us but their saying I owe over {$4000.00}. So I feel like they put that apartment in my name without my consent just because I paid the security deposit.
|
| 03/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I keep getting harassing phone calls at work and home after asking them to stop the calls. They have threatened me, my job, impersonated attorneys, judges and law enforcement officers. They are rude and never even identify themselves as debt collectors. I want the harassment to stop immediately. I told them to leave me alone and remove it from my credit report since the information is not accurate. They laughed and told me to go " XXXX my mother in the XXXX with no XXXX. ''
|
| 10/24/2023 |
Yes |
- Debt collection
- Rental debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XXXX XXXX XXXX XXXX, I was contacted by IQdata collector and was threatened and given false statements to retrieve a collection. I was spoken to rudely and threatened with legal action and that my credit will be ruined and I wont be able to rent anywhere. I was called a liar and I asked to talk to a manager of some kind and was told I would deal with something way worse if I do. They got upset and said they will mark I refused to pay my debt and hung up. Never stated that.
|
| 07/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My identity was stolen and someone used it to get an apartment they got evicted and I found out about the collections on my credit years later.
I took several steps to get the account removed and disputed, IQ data international made the process so much harder. The callers were rude and unprofessional and werent the least bit helpful.
They use unethical tactics to contact you and attempt collections. I could understand if I owed the amount. But my identity was stolen.
|
| 11/30/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My name is listed on a apartment lease that has been sent to IQ Data. I requested proof of of debt XXXX & XX/XX/2020 and I haven't received anything showing this is my debt. I never signed the lease or anything else. They are calling me every day being very mean they even called XXXX XXXX and told my employee the answered the phone why they are calling and that I owed a debt for XXXX XXXX with the amount. It has been over 90days since my first request for proof of debt.
|
| 07/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have been a victim of XXXX XXXX for a long time Ive had my identity stolen from me twice I just had my identity stolen XXXX car broken into XXXXXXXX XXXX in front of my moms house I been though a lot they placing things on my credit report thats not true I wont it removed having hardship really stressful trying to do all the right things get my self together and prove my identity they are very rude and nasty IQ DATA ASK THEM PLEASE REMOVE PROPERTY DEBIT OFF MY CREDIT
|
| 06/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I called to verify dept in the amount of {$130.00} on XX/XX/2022 @ XXXX and after about 5 min on the phone was harassed and was told they would persue further action if I didn't pay the bill, for saying i wasn't gon na pay them and would handle it with original creditor if the statements he made were correct. The third party collection agency is IQ data international IN. I called the secretary of state and was told there was no surety bond filed which is a violation.
|
| 11/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
A debt validation letter was sent to the company I.Q. DATA INTERNATIONAL , INC. located at XXXX XXXX XXXX XXXX, WA XXXX. The letter was sent on XX/XX/2021 and received on XX/XX/2021. A follow up debt validation letter was also sent out on XX/XX/2021 and received on XX/XX/2021. As of today, XX/XX/2021 I have not received the correct information to validate this debt. The company has failing to validate this debt but is still reporting the account on my credit report.
|
| 09/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
IQ Data International, has posted two separate accounts reporting on my profile that I dont recollect opening. Ones from XXXX XXXX, Nj posting on XX/XX/2023 and XX/XX/2023 for {$970.00} another account under IQ Data INC is showing a XXXX XXXX XXXX, NJ on XX/XX/2023 with two balances of {$1800.00} the other shows {$2600.00} with zero delinquencies for late fees I didnt open up any accounts in XX/XX/2023 or have any accounts linked or associated with these companies.
|
| 12/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I've had a representative contact IQ international data multiple times to try and get a validation letter sent and attempt to resolve the issue. This company verbally agreed to honor a pay for delete agreement. Letters are now being returned in an attempt to get this agreement in writing. Any time they are called now, they continue to transfer the call until voicemail is received and calls are never returned. This remains on my credit report for another 2 years.
|
| 12/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights
|
| 09/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15USC 1681. IQ DATA INTERNATIONAL IN, has violated my rights and XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. Section 604 A section 2 : It also states a consumer report agency cannont furnish a account without my written instructions.
|
| 10/19/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
IQ DATA, a collection agency for XXXX XXXX XXXX has posted a debt collection entry on my credit bureau.
I do NOT owe this debt!
I was given a notice in XX/XX/2021 that my lease would not be renewed by the property management company so I moved out in XX/XX/2021 and they are charging me for a lease break fee since my lease initially ended in XXXX and also one months rent. I do NOT owe these funds and I would like this removed from my credit bureau reports.
|
| 07/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2018 a collection account was opened for a debt that I was not notified of. The original debt was from XXXX XXXX XXXX The collection agency is IQ Data International. The current amount is {$1600.00}. I have disputed this as the debt is erroneous. I have taken this to court and won. Attached is a copy of the court record/judgment. Please help me get this removed from my credit report. IQ Data international has been nothing but rude and not helpful.
|
| 02/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
IQ Data international , Inc. Sent me a collection notice XX/XX/XXXX XXXXAccount # XXXX with the principal amount XXXX interest amount XXXX with total due XXXX and threatening to increase the amount XXXX percent per annum. From a bill that was taken off my credit report from the apartment complex XXXX XXXX XXXX. The account was removed from my credit report XX/XX/XXXX and increased my score XXXX points. I should not be receiving collections notifications.
|
| 01/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/2022 IQ Data International Inc. contacted me regarding an account.
XX/XX/2022 IQ Data Internationals sent a letter trying to collect on the debt.
XX/XX/2022 I sent a letter via return receipt for validation of the debt requesting to stop collecting on the debt until debt is validated.
XXXX XXXX IQ Data International Inc. reported to credit monitoring services increasing amount, which resulted in points decreased, without debt being validated.
|
| 04/30/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
So on XXXX XXXX I was diagnosed with XXXX, it was so severe I had to be in the hospital I explained to my landlord I lost my job due to my illness.
I had just got this apartment two weeks ago that month, and they are now putting it on my credit report that I owe {$8700.00} dollars.
When in reality I hadnt moved my stuff in, and I hadnt moved in yet officially because I was ill.
I need this removed so now that I am recovered I can get a new apartment.
|
| 11/30/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I DO NOT OWE ANY DEBT. I HAVE NO CONTRACT WITH THIS DEBT COLLECTOR.
PLEASE HAVE THEM PROVIDE EACH AND REQUESTED DOCUMENT IN MY DEBT VALIDATION LETTER.
ALSO THEY ARE TO SWEAR UNDER PENALTY OF PERJURY THEY WERE PRESENT DURING THE DEBT.
AT THIS TIME OF DISPUTE THEY ARE TO CEASE ANY REPORTING TO ANY CREDIT REPORTING AGENCY.
THEY ALSO ARE REPORTING INACCURATELY ON MY CREDIT REPORT WHICH HAS CAUSED ME MENTAL ANGUISH AND AFFECTING MY LIVELIHOOD.
|
| 06/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I have reported the company for identity theft and for debt validation with the credit bureaus on XX/XX/23. I have reported them to the FTC as well. I sent them a letter notifying them of the dispute and investigation and a cease and desist on the debt collection pending investigation and validation. They have not responded to anything or about anything. Since the dispute was commenced. They are in violation of 15 USC 1692g ( b ) and 18 USC 1028.
|
| 02/13/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
Never contacted by apartment regarding any debt, even though they had my contact info for cell phone and mailing address. Debt collector sent mail notifying me of debt to mailing address of a friend, not to my own residence. Debt in question is exorbitant, only existing damage to the unit was carpet replacement which was covered by my deposit. Timeline for the debt being viable is in question, as I haven't lived in that apartment in over 3 years.
|
| 11/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Once I made complaints of the varies attempts to get this off my credit report. Companies continue to reissue the same information on my reports when I make disputes. Continue to issues notices to my mail address, continue to ignore this identity theft on my report. This has cause me to be denial housing, employment, credit, and homelessness. My denial letter is attach base on this situation I was denied housing. Been a victim of identity theft.
|
| 04/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
This happened 2 years ago. My spouse and I were threatened multiple time over the phone. It got so bad to were one worker threatened to physically harm us. The repeatedly called my phone they even called my job.Even a woman called threatening that we wouldnt get a house, the we would be homeless if we didnt pay. Im praying that all these calls were recorded .This was originally a {$300.00} from town XXXX XXXX XXXX late XXXX XXXX XX/XX/2020 XXXX
|
| 06/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Original creditor did not attempt to contact me to resolve the debt. Original creditor forged signatures on documents. Debt collection agency did not send any information to myself. The only information I have received about the collection account was from XXXX XXXX The original creditor is pursuing low income families in a predatory fashion. The original creditor is pursuing my family with malicious intent. The original creditor violated me.
|
| 04/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This compnay put something in my credit report, they have never notified me or sent me information till I filed a case with this government agency that did nothing. I spoke with an attorney which advised this company isnt even bonded in Illinios. They have have never sent me any documents advising me of this before putting on my credit report. They are also charging me monthly fees on the credit report which I was also advised they cant do.
|
| 08/13/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account and I havent received anything from them and when I call I get a rude rep who isnt willing to help me resolve the issue. & I sent a letter to the company asking to verify that this account is mines. Its been more than 30 days I havent received any mail response. Just non stop phone calls.
|
| 08/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Called XXXX, XXXX XXXX and XXXX back in XX/XX/2023 and XX/XX/2023 let them know that this acct is no longer being disputed, and to remove it and delete it from reporting on my credit report. this is fraud as this account have already been paid, and by reporting it on my credit report hurting my credit score.it is now XX/XX/2023 and this negative items are negative impacting me directly with my XXXX XXXX and causing me to be denied loans.
|
| 10/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There have been multiple attempts to take action against the fraudulent accounts reported by the listed companies below. I have personally called and spoken with the companies to resolve this issue and no action has been taken.
Please REMOVE all Unauthorized Accounts from my credit report : ACCOUNTS : XXXX XXXX XXXX ( XXXX ) -IQ DATA INTERNATIONAL ( XXXX ) -ORIGINAL CREDITOR ( XXXX ) THANK YOU FOR TAKING FORWARD ACTION ON THIS MATTER.
|
| 08/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
My husband and I received a letter from I.Q Data international stating that there is an unpaid balance from our old apartment complex.
I am not sure if this is a scam? This account has been paid since XX/XX/2023 and there are records of it. So to receive this letter is alarming.
If this is a true letter I am requesting this company be penalized for not conducting a thorough review before reaching out to us and causing undo stress.
|
| 04/28/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 11/21/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This is a fraud account as a result of identity theft.
Account opened in XX/XX/2023. And after about month on XX/XX/2023 I see a notification on my credit report that I have a collection for {$37000.00}. I called them and they are demanding {$190.00} to remove the information which I do not want pay for something I'm not aware of. I am a victim of fraud.
Creditor Information I.Q DATA INTERNATION XXXX XXXX XXXX XXXX, WA XXXX
|
| 04/19/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
When I moved out of my apartment. They said I owed them {$400.00}. I paid them the {$400.00}. I called the office, spoke to the office manager at the time and verified that everything was settled. Well I guess new management came in or something because they hit me with a bill of {$900.00} in XXXX of 2020. This is after my apartment inspection was done and completed. So this collection needs to be removed as soon as possible.
|
| 11/19/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
After informing IQ International to stop calling until we here back from the CFPB, the representative advised that we are refusing to pay and she is going to report us for refusing to pay. She is still calling multiple times a day after we explained we do not wish to talk to her, and we have already filed a complaint. She is still being unprofessional and making threats. We are submitting a second complaint due to harassment.
|
| 07/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have no knowledge of this debt in the amount of {$1100.00}. I never received a debt validation notice and no one never contact me.
*** Debt Collectors are required by Fair Debt Collection Practices Act to send consumer a written debt validation notice with information about the debt theyre trying to collect. It must be sent within five days of the first contact.
**Debt collector is violating Fair Debt Collect Practices.
|
| 03/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have sent this company certified letters, documentation requests, and have not received the proper validation paperwork. This company is stating I owe charges for an apartment that is keeping me from obtaining proper housing. I have noticed that this company is also reporting inaccurate amounts to credit bureaus. Company is adding interest to the debt they claim I owe and reported different balances to the credit bureaus.
|
| 10/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/21 me and my husband paid off a collection debt with the company IQ data. We were sent a copy of the agreement to our personal emails. stating that this company will send a request for deletion to all 3 credit bureaus. When paid in full. We paid {$1200.00} to the company as our agreement with them. My husband had the information deleted from all 3 credit bureaus, but remained on my report this was a joint account.
|
| 12/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The company has put a collection on my credit report that has ruined my ability to rent for the past 5 years. The balance is not valid and I have been disputing this balance for two years. I have emailed the company a list of items to mail me showing proof of ownership of this debt and they have not provided that. This collection item has caused emotion distress and I will be pursuing this in court if it is not resolved.
|
| 02/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
IQData has made a claim of debt owed under my name. Mutiple calls to IQ Data with request of debt verification were met with sarcasm and long hold times by a man who identified himself as XXXX and claimed to be in charge of my file.
To date, IQ Data has not sent documents with debt verification to the address which I have provided them with. I did learn that they had sent documents to an address which I do not live at.
|
| 07/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This company is inaccurately reporting on my credit report. I have tried to dispute multiple times. They are using interest on this alleged account of mine. I keep requesting information in regard to the contract with my signature stating that the debt is mine and I agreed to pay them. They are also reporting as an open collection account when it is suppose to be closed and no interest accumulation on the alleged debt.
|
| 11/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
IQ INQUIRY I MOVED OUT OF RESIDENCE XX/XX/2021 UNDER AGREEMENT BY LAW. THERE WAS NO BALANCE DUE AN ACCOUNT WAS OPENED FRAUDULENT IN XX/XX/2021 I REQUESTED DOCUMENTS OF CONTRACT, SIGNATURES AND DISPUTED NO DOCUMENTS EVER WAS RECEIVED NOW STATUS IS IN COLLECTION.
THIS IS AGAINST THE GUIDELINES ALSO XXXX IMPROPERLY SENT XXXX A INACCURATE CREDIT SCORE WHICH I WAS DENIED A ACCOUNT BECAUSE MY CREDIT SCORE IS XXXX NOT XXXX
|
| 03/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
Though I am trying my best to get this debt taken care of they have been rude, disrespectful, and even advised me to take out a loan to pay them which I can and will not do. I went into full detail with a woman named XXXX about my situation, have made a payment and wanted to work out making payments to get this taken care of, but they have basically tried to bully me into making a payment in full that I can not make.
|
| 07/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
The name of the company is called IQ Data international Inc their address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, WA XXXX. I have received two letters from this company I have tried to resolve the situation on today 's date XX/XX/2023 and I am not sure if this is a real company because upon talking to the person they wanted more information personal information and hung up on me when I refuse to give it to them.
|
| 12/11/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
A debt from XXXX that I disputed in XXXX increased by {$1.00} a couple of days ago. Im concerned this has reset the clock on my debt. The company, IQ Data International, has been incredibly hard to work with and puts me on hold for hours or just keeps me in a phone transfer loop until I give up. Im also concerned if I reach back out after 6 years they will take this as an attempt to pay my debt and reset the clock.
|
| 02/28/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
The debt is for an apartment lease which ended and the owner of the property sent an incorrect amount owed at lease end. I tried to explain to the collection company that the owner of the property acknowledged that the amount is wrong. I was willing to pay the correct amount do but they became very nasty and refused to discuss the true debt owed. the debt is for about {$500.00} and only {$230.00} is actually owed.
|
| 09/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
The date of first delinquency for this debt is listed as the XXXX of XX/XX/2014, and as such it has passed the six year statute of limitations in Colorado for leasing/rental debt. As such, this debt is no longer collectible in court.
Furthermore I have been in contact with XXXX XXXX over the last few weeks in an attempt to collect this debt, and they have been unable to recover any records to validate the debt.
|
| 11/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/, I contacted the agency. When speaking to a representative, I made a simple request to remove comments from the account. The representative stated to me that in order for the comments to be removed, I needed to pay the account in full.
This is a violation of FCRA!
I am no longer disputing the account and have not disputed this account for a while. I was simply asking for the comments to be removed.
|
| 06/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I had a lady from IQ data international call my Extention at work she identified XXXX XXXX her self as a debt collector. She started off very rude. I told her to not call my job she told me I dont have the right to tell her that. I said I do. Then 2 days later she called back impersonating my mother who has been dead since 2011. Just to get me on the phone. I had already told her not to call my work and she did.
|
| 10/26/2023 |
Yes |
- Debt collection
- Rental debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XX/XX/2023 the associates at IQ data international Inc called my daughter XXXX and started to threaten her with her credit if the balance was not paid off.
I called the company back and spoke with XXXX XXXX- I tried to explain the situation to him and he kept talking over me and interrupting me as I was reading the letter we received from our previous apartment complex showing we did not owe the {$2300.00}.
|
| 05/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Recieved 3 calls from this collector during working hours..
Date : XX/XX/2021 Times : XXXX XXXX XXXX XXXX I answered the call at XXXX, not knowing who the caller was. During the call I informed her I was at work and could not talk. She argued with me even after I told her to call me tomorrow on my off day. She threatened to place this on my credit and also continued to attempt to get my financial information.
|
| 10/20/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
We received two debt collection letters from I.Q. Data International, Inc.in XX/XX/2023 to collect the bill which we have paid in XX/XX/. We have contacted I.Q. Data International , Inc. four times by both phone and mail in XXXX and XX/XX/XXXX to provide the evidence to dispute the debt, but did not receive any response from them. They kept ignoring what we provided and put a collection on our credit report.
|
| 02/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
My apartment leasing company XXXX XXXX submitted this to their debt collection agency without allowing me to make payments.
The debt collection agency refuses to also help may payment arrangements.
Both XXXX and I Q Data have laughed about the fact that this will go on my credit report and do not care about helping.
IQ Data representatives have harassed, hung up on me and threatened to ruin my credit.
|
| 08/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2022, I moved out of the apartments XXXX XXXX. Prior to moving my roommate and I signed documents to end the lease in 30 days. Which would have been to move out XX/XX/2022. On XX/XX/2022, I received a dept collection letter in the mail saying I owed {$3400.00}. I then called XXXX XXXX but they never gave me an answer. I ended the lease and I still dont know why I was charged rent for three month.
|
| 11/07/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
IQ DATA INTERNATIONAL is reporting that I owe ( Original Balance {$8900.00} ) vs ( New balance {$11000.00} ) to XXXX XXXX XXXX and this apartment home was leased to my mother and I was a tenant still in High School. I have requested that both XXXX XXXX XXXX and IQ DATA INTERNATIONAL provide the original signed application to validate this debt on XX/XX/2023, XX/XX/2023 and XX/XX/2023 without a response.
|
| 12/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
IQ Data keeps trying to collect a debt that is owed by another person. They know the lease was signed by a family member and not me. They have no contract with me but keep trying to claim I am responsible. They also called a friend and told him I owed the debt and threatened to sue him too if he didnt pay. They also lied to me and said they had my signature but they do not. The lease shows its not mine.
|
| 09/01/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I have contacted IQ DATA INT. Several times about an open collections account shown on my credit report. I have written and emailed signed documents with the amount the original creditor submitted and was attempting to charge me. They took a {$2600.00} balance and posted {$5900.00} onto my credit report as a collection amount. They have failed to respond to any written documents Ive submitted and calls.
|
| 09/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
The company is IQ data and they are still taking my money after disputing and they have proof they its waived off and its under process and they are threatening that non-payment within 15 days would affect my credit score!
Her name is XXXX XXXX and my account number is XXXX.
And during the pandemic she is not waiting to see the final dispute result instead threatening me.
Their number is XXXX
|
| 04/06/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Contacted I.Q. Data International , INC in response to a letter I received in the mail on XX/XX/XXXX, spoke with a rep named XXXX and asked for a detailed statement of account.
She stated that I owed XXXX and that I moved XX/XX/XXXX which is completely incorrect I moved XX/XX/XXXX and I only owed 1 month and thats XX/XX/XXXX. I would like to have this matter settled immediately. Please assist me
|
| 01/17/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To whom this may concern the fraudulent account has been removed from all bureaus except XXXX for XXXX XXXX XXXX. I contacted creditor and this account was opened with Someone with a Similar name to mines individuals name is XXXX XXXX the last name on the fraudulent account is incorrect there is a typo they also have wrong XXXX and address on file. The derogatory mark is for the amount of XXXX
|
| 06/29/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I filed a dispute with the company. They sent me a response through mail to the dispute. I responded with a debt verification letter that was received by the company within 30 days from the letter they sent me. I asked for proof that they are registered in the state they say they say the debt happened it. They have yet to reply to that letter or with the proof they are registered in Nevada.
|
| 10/25/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I received a collection notice on my credit report from IQ Data. I mailed a certified validation letter on XX/XX/2022, the letter was delivered to a XXXX XXXX XXXX XX/XX/2022 I then received signature confirmation of the letter being picked up on XX/XX/2022. As of today XX/XX/2022 they have yet to respond in a form or provide any type of verification that this debt is mine or my husbands.
|
| 01/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I continue receiving calls about a XXXX debt that is not mines there was a error with XXXX some one name XXXX XXXX which I dont know who this person is has the debt and know Im receiving rude calls which I have explained to all party this is not my debt and dont know how XXXX made this mistake at this post Im ready to sue all parties involved if this matter is not investigated and fixed.
|
| 11/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
IQ data international for the amount of XXXX is reported on my report which is a debt I am not responsible for as I was promised by the property owner of the original debt that I would not owe that, then I was contacted by the debt collector and talked to very nasty by the manager and harassed many times by IQ DATA. I feel completely violated and shamed by how I was talked to and treated
|
| 12/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
XXXX. XXXX XXXX is reporting a charged off rent balance for an address I never lived in the amount of {$3500.00} it's reporting the date opened XX/XX/2017 with an original balance of {$2600.00} I've been going back and forth with this collection agency for years with no sign of solutions.
The company only offer a settlement which is adding insult to injury for a debt that's not mine.
|
| 05/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I repeated told IQ Data International on phone calls that the debt that they were attempting to collect was not mine and that the burden was on them to find out. I then mailed them in early XXXX proof of a lease agreement that the debt is not mine. I sent this mail certified. They had till the XXXX of XXXX to remove the debt from my credit report.
The debt is still on my credit report
|
| 09/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Contact made on XX/XX/2021 to set up payment plan. When I stated that I was not able to pay full amount and would like to set up a payment plan they became completely irate demanding that I pay full amount with a credit card. Stated that they would take full payment for deleting off credit but would not. Provide any proof of this. They threatened to ruin my credit and garnish my wages.
|
| 07/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I.Q. Data International, dba XXXX XXXX XXXX says that I owe them {$1300.00}, a debt that the alleged original debtor confirmed that I do not owe this alleged debit.
Why is I.Q. Data International is requesting payment for a false debt?
Please removed this fraudulent collection account from my credit reports immediately.
I have attached Identity theft report for review and action.
|
| 03/31/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
So last year XX/XX/2020 Is rep called harassing my XXXX old daughter who answered my phone while I was busy. A few days later they called back I answered and the rep was accusing me of false information said I needed to pay then, was laughing and saying she would keep calling. Got a call XXXX XXXX with a rep telling me to borrow money and its a shame I havent paid them off in 2 years
|
| 05/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In Accordance with the Fair Credit Reporting Act, 15 U.S.C 1681 section 602A states that I have a right to privacy.
15 U.S.C 1681 Section 604A Section 2 states that a consumer reporting agency can not furnish an account without my written instruction.
I did not give anyone written instruction to report the account listed below to my credit report.
I.Q. Data International - XXXX
|
| 10/27/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received a letter I owe from a rental property I moved out of due to unhealthy living situations. 2 years later, I received a letter advising I owe $ XXXX. They turned me into the credit bureau 2 years with this debt collectors name and didnt realize until I did a credit check. They sent a letter stating I have 30 days to pay but no knowledge of it. They purchased a false debt
|
| 12/10/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
|
| 02/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This account is not verified yet it's being reported on my credit report. I called to verify with no success, called to reach a settlement in order to delete and had no success, senior director is offensive and hangs the phone on me. This company is a scam and should be investigated. I demand all associations with this company be deleted from my credit reports immediately.
|
| 09/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have sent dispute letters to each bureau to have IQ Data Int ( original creditor : XXXX XXXX XXXX XXXX TX ) in the amount of {$13000.00} reporting to XXXX, XXXX and XXXX Removed immediately. The dates do not match up which is a violation. It has been more than 30 days and bureau has not responded with my results. I would like to have this collection removed immediately
|
| 02/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
My name is XXXX XXXX The company I'm filing a complaint against IQ Data International. They have violated the FDCPA by reporting a debt to my credit without first VALIDATION, Secondly the company XXXX XXXX that they are collecting on behalf of does not have a debt collecting clause, they actually have a civil/tort clause. I sent a cease and desist and the agency refused.
|
| 02/03/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The amount that was originally owed is growing interest. It is growing interest continuously making it impossible for me to ever be able to realistically pay the account off. I have attempted to resolve this matter with the debt collector it is my understanding that once placed for charge off the interest is to cease that has not been my experience with IQ International.
|
| 01/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2021, I sent IQ Data International a certified letter requesting debt validation on an alleged debt they added to my credit reports without sending me a dunning letter. They ignored my request and continue to report this alleged debt to the credit reporting agencies.
I need them to close this account in their office and delete this alleged off my credit report.
|
| 03/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
i have contacted XXXX on several different occasions to remove this information because i went to court twice and showed proof to the judge and he dismissed the case in my favor that i owed this apartment complex nothing now i have a pending lawsuit against them. XXXX is the only credit company that has not remove this from my credit report stating that it is accurate.
|
| 09/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Previous landlord informed me that they were bought out by another company. Both property and new company informed me that they do not have any information on my residency. Called the previous property owners, they are not responsive. Advised debt collection agency to verify information, but was told they have no way of contacting the original owners of the account.
|
| 06/13/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I.Q. DATA is refusing to satisfy a judgement they hold against me with XXXX XXXX XXXX XXXXXXXX They satisfied 1 of the 2 judgements they had against me. Ive verified with the court in case there was court error and there response was that the plaintiff ( iqdata ) still has an active judgement against me and they need to contact the court stating its been satisfied.
|
| 09/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have been trying to get this fraud account taken off my credit and I dont know why the credit bureaus haven't taken it off yet when I have sent multiple letters to them about it. I sent a letter back on the XXXX last month in XXXX and I attached the document of the original letter as well. It looks like it was opened XX/XX/2019 with a balance of {$120.00}.
|
| 08/05/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
This company sent out a letter stating I still owed them money for rent and they agreed to let me go then sent a letter to my new address demanding payment. XX/XX/2022 {$3200.00} interest, {$140.00} and adding interest causing my credit to score to go down without even negotiating with me. XXXX XXXX XXXX Properties and IQ DATA the collector in their behalf.
|
| 10/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
By XX/XX/21 I made a final payment totaling {$1800.00} in turn, I was told that the account would get DELETED from my credit report, not paid in full that arrangement was stressed and made clear before the payment was made. Fast forward to now and it is being reported incorrectly. I spoke with XXXX XXXX ( account rep ) who promised me to delete said account
|
| 02/21/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XXXX XXXX, 2018, I opened an account with XXXX XXXX XXXX got a derogatory remark on my XXXX credit repot stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and either pay off the debt or get this negative remark removed from my report.
|
| 01/24/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have contacted this company and the credit bureaus about this matter, however I have been ignored by both. I send certified letters to both and no resolution. The company has not responded to why they are reporting this on my consumer credit report.
Also, this company is increasing the amount owed each month on my credit report. Isn't that illegal?
|
| 09/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid rent in full {$490.00} to XXXX XXXX XXXX, XXXX XXXX, TX on XXXX XXXX. However, they still referred to IQ Data international. I told IQ that I had already paid in full, but they still called me constantly. Then they even reported to it XXXX. So, My credit score decreased. Now, I have claimed to dispute, but XXXX did not settle down this issue.
|
| 04/11/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have disputed the amount this company is trying to collect. I. Q. Data is reporting the same debt twice on my credit report with XXXX different amounts owed. I sent them a certified debt validation letter which they refused to investigate. If they can not satisfactory validate this debt, I demand they remove these collections from my credit file.
|
| 11/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
IQ DATA INTERNATIONAL is inaccurately reporting on my credit report that {$19000.00} is owed. I have never done business with this company.
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists
|
| 03/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
we have tried to dispute this from an abusive landlord XXXX [ XXXX XXXX, they sent a fake bill to collections and now we are stck with this lie on our credit. the paperwork they sent is a MESS. it has us all signing under the same IP address, it has the dates wrong, and all these OUTragous charges. IQ data international refuses to investigate it
|
| 04/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
This company uses threatening, unprofessional, and abusive calling tactics. I've sent them a letter to cease this communication and they continue. I also sent them written notification that the debt is disputed and I have never received validation of the debt from them. They are engaged in illegal activity and should be made to answer for it.
|
| 09/20/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I writing because of IQDATA INTERNATIONAL, unfair practices.
They are charging me interest every month. They have added on over XXXX to the debt The Original contract does not state where interest can be added.
I want the amount back to the original amount.
I am on XXXX and making the amount bigger every month is insane Thanks XXXX XXXX
|
| 06/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am disputing because I am a member of XXXX XXXX XXXXXXXX XXXX and I am low to no income I had mo rent and it is a mistake I shouldn't have an eviction I was not taken to court. And also its causing me to be homeless with my daughter right now with my housing voucher due to being noted eviction and it honestly isn't I haven't been evicted
|
| 12/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Hello, this is a follow-up for a request to provide more information for COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Debt collection ISSUE Communication tactics.
I have provided correspondence with XXXX homes from XXXX. When I log into the portal link, it states I don't have a complaint. Please see complaint # from XX/XX/XXXX. Thx.
|
| 04/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
The collector was using abusive language. My roommate who is also involved in the debt. said that he cussed at him. While my roommate was in the hospital just after having twins he called him. And he told him he didn't want to talk to him right now due to being in the hospital he said " I don't care, you need to deal with this right now.
|
| 02/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
I got an EMAIL ON XX/XX/ from my credit Bureau stating i had a derogatory mark on my credit report. It is from XXXX XXXX XXXX saying that my collections debt is {$3200.00}. I never received calls or written statements of such debt. On my credit report it states that it opened on XXXX, during XXXX, but I am unaware of what this is about.
|
| 07/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am disputing the XXXX credit card also XXXX XXXX credit card also XXXX and the other so I disputing 4 on my report I was incarcerated for a period of time some people got ahold to all my belongings I need these things off my report they my info was lost and used at that time I was. Gone away from my home. Identity theft was involved.
|
| 11/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I am very upset with this issue. I sent a letter to the creditors regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
|
| 08/24/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I asked the company for some verification of the debt. I wrote them on XX/XX/2022. Requesting verification of the debt. They stated I said something about fraud. I need verification of what debt they are claiming I have. I called again on XX/XX/2022 after I did not receive any verification of the debt. I have not received anything.
|
| 06/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I paid a collection account in full that I owed to IQ Data Intl. and my credit score dropped 30 points and it is showing as closed with a XXXX balance but not paid. I spoke with IQ Data to request a removal and they stated they wouldn't do it. Now my credit instead of being good is shot. Please let me know what my options are here.
|
| 09/19/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I was provided with a Lease Agreement that doesnt have my correct signature. I was provided with Lease Agreement that doesnt match the correct Move Out Statement dates.
Please explain to me how you are accurately verifying this account if the Lease Agreement doesnt match the Move Out State Statement Dates, balances or address.
|
| 07/26/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
Hello Im contacting you guys because I have XXXX phone calls strange emails and notifications from credit bureaus about this debt collection that is not mine. This is completely fraudulent and I have never done business with this company. I need this to be removed from our credit bureaus immediately before I take further action.
|
| 03/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I was called frequently and when trying to get clarification on the issue, I was verbally abused and told to provide information in places that were not safe. When I tried to tell them would review when I got home I was yelled at and told to provide my credit to them over the phone even though they knew I was in a public place.
|
| 09/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
IQ DATA OPENED XX/XX/2019 {$4500.00} I HAVE CONTACTED IQ DATA SEVERAL TIMES FOR VALIDATION OF THIS DEBT AS IT DOES NOT BELONG TO ME AND IT'S BEEN A YEAR AND I HAVE STILL NOT RECEIVED ANY VALIDATION REGARDING THIS ACCOUNT. THE CREDIT BUREAUS XXXX, XXXX AND XXXX CONTINUE TO VALIDATE BUT I CAN'T GET ANY VALIDATION FROM IQ DATA!
|
| 02/28/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
|
| 06/16/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This debt stems from an old deposit where I lived. When trying to reach a settlement the amount owed was not the original XXXX but XXXX due to interest charges on a collection. I think it should be illegal to charge interest on collection bills. Consumers are already struggling and don't need more debt on top of the debt.
|
| 05/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
THIS ACCOUNT HAS BEEN PAID IN FULL AND I HAVE A LETTER FROM THE CREDITOR STATING THAT THE ACCOUNT IS PAID TO A XXXX BALANCE AND THERE IS NO MORE RESPONSIBILTY OF ME TO THIS DEBT. I HAVE SENT THIS INFOMATION TO THE CREDIT BUREAUS, BUT THE ACCOUNT IS STILL REPORTING AN OPEN BALANCE. THE ACCOUNT SHOULD BE CLOSEED AND REMOVED
|
| 07/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
I.Q. Data Internacional , Inc. Collection keep calling my employer, family and friends.
Harassing me with putting a lien on my property and garnish my salary.
Collection agency keep repeating they have many ways to make pay the debt, insinuating that can show up at my door, and telling me they know everything about me.
|
| 05/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I.Q. Data international inc. had 2 judgements against me with 2 different case numbers pertaining my old apartment. I have paid them and the sent me a receipt indicating XXXX dollars are owed and they will only remove 1 of the 2 judgements they hold against me. When I call them they say I have to continue disputing it.
|
| 06/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I.Q Data International Inc has a {$6800.00} bill on my credit report. I do not have a contract with them. I sent a debt validation letter via certified mail in XXXX and they sent back some kind of bill with only codes and amounts. No signed contract validating the debt. I would like this removed from my credit report.
|
| 12/13/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have reached out to IQ DATA TO SET UP A PAYMENT PLAN ON ORIGINAL DEBT I CALLED IN XX/XX/XXXXXXXX XXXX To settle and was told I owe over XXXX in court fees Court fees were included I. Original amount in the amount of XXXX They can not provide any explanation or where the XXXX in court fees came from or a break down
|
| 01/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2020, IQ Data International reported a balance of {$710.00} on my credit report. I was never notified of this debt prior and was informed by original lender that my balance was paid. In addition, I was informed that if I paid the balance then the collection will be completely removed from my credit report.
|
| 08/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
The company indicated on XX/XX/2023 that the information was removed and it is showing with a social security number that is not mine. I have reported this to the credit bureau and it is under investigations. I am requesting this error to be removed from my credit file immediately as indicated by the company.
|
| 04/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
IQ Data International at XXXX XXXX XXXX XXXX, WA XXXX has been sending me collection notices in the amount of {$2200.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
|
| 12/23/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
ELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE STOLE MY WALLET ALONG WITH MY PERSONAL INFORMATION AND OBTAINED CAR LOANS, HOMELOANS, MEDICAL AND ETC. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XXXX. XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX ) OPENED : XXXX/XXXX/2021 XXXX. XXXX
|
| 09/29/2023 |
Yes |
- Debt collection
- Rental debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I called to find out my balance owed to a former landlord. I explained that I paid the landlord and was given my check back. I was told that if I could not afford to pay anything today, I have no choice but to pay the full amount and I would be sued. The man started talking down to me and I hung up on him.
|
| 04/08/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I.Q. Data International , Inc. is attempting to collect on debt that is not due. I paid all monies that were due years ago and had no issues since. Out of the blue I received a letter stating that this debt was due. Additionally, it had more than doubled what I originally paid off to the original creditor.
|
| 12/24/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Back on XXXX I summited a complaint about incorrect information. On XX/XX/XXXX they said they fixed the amount which was XXXX less that what was being reported.then on XX/XX/XXXX it goes back up to the same amount that was being disputed. How in the matter of 6 days can the amount go back up to the XXXX??
|
| 01/21/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I.Q DATA INTERNATIONAL is attempting to collect {$7500.00} and stating the original creditor is XXXX TX I have not received a notice of this debt or money owed to either company. I have never been given a call or given information about this. Nor have I been given a bill or itemized information about this
|
| 07/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I entered into a 6 month payment agreent with this third party creditor. The last on time payment was XX/XX/XXXX. An automatic debit was set up for these payments to come out of my account monthly. There is still a balance showing on my credit report although the last payent was recieved by this company.
|
| 09/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
IQ DATA INTERNATIONAL IN at XXXX XXXX XXXX XXXX WA XXXX has been mailing me collection letters via mail about a {$3700.00} account that is being reported as past due I dont know this company this company does not have a contract with my signature because I have never done any business with this company
|
| 09/06/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I have requested a full calculation of the debt owned. Rent owe should be broken down and given within 30 days. It still have not been provided how it was calculated. Each time I ask for the actual calculation the company just reduce the amount and still not explain why or why cams to the amount due.
|
| 12/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS.
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.
15 U.S.C 1861 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION.
|
| 11/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I called the company on XX/XX/2022 and requested validation. I also sent IQ Data International a Certified Letter, dated XXXX XXXX, XXXX requesting that they validate the debt within 30 days. Certified Mail Receipt # XXXX XXXX XXXX XXXX XXXX. The company has yet to respond to my Certified letter.
|
| 11/12/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XXXX XXXX has damaged my credit and I know no knowledge of this debt. They have not provided any documentation proving I owe this debt.
I will need dates, my actual name, and signature authorization to this amount of debt owed.
If not I ask they please cease all actions to destroy my credit.
|
| 05/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
Servicemember |
|
IQ Data International Inc. has called repeatedly at all hours without leaving any voicemail or any information about the reason for multiple calls. I just received a letter from their representative XXXX XXXX threatening further action when no previous demand had been made of any supposed debt.
|
| 12/23/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This collection company is called XXXX XXXX XXXX IN. The original creditor is XXXX XXXX Apts XXXX. This agency continues to violate my fair credit reporting act.By continually reporting different amounts owed. Please help me on this matter. My next step after this resolution is to seek counsel
|
| 12/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
IQ DATA INTERNATIONAL IN XXXX XXXX XXXX XXXX, WA XXXX This company claiming I own debt to them which they never properly verified. I requested proper debt verification from them - but they never responded. They put a collection on my credit reports. This is fraud since they didn't verify it.
|
| 07/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
We were called by IQ Data Int'l the first week of XXXX and asked to pay a debt we feel we do not owe. My wife told the collector that we just had our first child and it was not a good time to talk. He then told her that she needs to learn how to multi task, was very rude, and hung up on her.
|
| 05/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
They have refused to fix or update my reports as I filed multiple disputes and have them the proper information. Not only did they not fix the error but they have allowed the reports to be updated. Their representative disconnected the call when I ask them to further investigate the errors.
|
| 12/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
This debt collection company is calling trying to collect a debt I do not owe. I have paid the company. The company actually owe me money. I have informed the debt collector of this and yet they still call. Today at dealt with a very nasty representative from this debt collection agency
|
| 07/28/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
My parents were mailed separate notices addressed to me ( XXXX XXXX ) and my spouse ( who never lived at that address ) from the collection agency. I haven't lived at that XXXX address in XXXX XXXX and the rental Property was in XXXX and I also had XXXX protections which were ignored.
|
| 02/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
|
| 10/11/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
The company is reporting account as open on monthly basis with a balance. Has yet to send a sign contract or a payment slip as requested and identifications. I need a sign lease with name and signature sent to me in XXXX days if creditors can not supply information deleted reporting.
|
| 10/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have submitted dispute regarding the claim of collections to the creditors. I provided proof of payment and a moving damages report to IQ DATA INTERNATIONAL back in XXXX of 2022 or XXXX of 2022. They never told me my dispute resolution. The investigation took well over 30 days. The
|
| 03/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This company continuously called me on my job several days a week trying to collect debt. When I finally paid the requested amount I realized I overpaid and now they are giving me the run around to get a refund for the overpayment. The reps are very rude and can care less to help.
|
| 05/20/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Asked this company for a debt validation letter and they completely denied me a letter I recorded the call, I also asked the amount that they have the first guy XXXX told me {$4600.00} Then XXXX told me {$4600.00} But they are reporting on my credit report the amount of {$4600.00}
|
| 11/27/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
You dis not even read my complaint XXXX Someone else 's signature, not my address that is on opposite side of the world. Not my credit card being used to pay for the apartment. My signature not even on it. Your allowing someone else 's signature to be used on a debt against me.
|
| 07/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have sent several demands for validation of alleged debt but the creditor fails to respond and lawfully validate the debt they are illegally reporting. Then after I filed a dispute of alleged debt, the creditor damaged my credit even more by reporting the alleged debt twice.
|
| 04/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Company has been calling my mother numerous times for the past year threatening her when she is not responsible or tied to this debt. Amount is incorrect. Company has been calling me after I told them to stop and has been calling late at night outside of normal business hours.
|
| 07/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XX/XX/XXXX they claimed I owe them an application fee.. I called them and explained that it wasnt me me and how I was going to fiord a police report against them.. they told me they was send me a fraud packet.. u never received it I never applied to any apartments in XXXX
|
| 07/27/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
I filed a complaint and it was closed with explanation stating that I am basically being sued. That is not true there is no pending litigation that I am aware of and if they are suing me, I have not been served. I need this case looked in too. This is a false statement.
|
| 10/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
The account is listed on my credit report by the company XXXX XXXX XXXX - XXXX.
They keep reporting this debt saying that I incurred this debt while living at the following address : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX.
I have never lived at that address.
|
| 08/09/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
IQ Data has been reporting incorrect information on my credit to all 3 credit bureaus since XX/XX/2020. The balance, date and last activity date is also being reported incorrectly on all three ; XXXX, XXXX and XXXX. This file needs to be deleted from my credit report.
|
| 11/09/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
IQ Data continuously mails me a debt that contains no verification or itemized statement of what I owe, and despite the 5 emails I have sent, I have received no confirmation of my dispute and continue to be harassed by the company without any verification of the debt.
|
| 02/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This collection account XXXX XXXX XXXX is not mine. This account does not belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
|
| 03/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
IQ Data international at has been sending me collection notices for the amount of XXXX the collection has posted past due balance. I dont know this company. I have never done business with this company before. This company does not have a contract with my signature.
|
| 02/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I disputed the debt online through credit agency. They sent a letter advising that I needed to call by XX/XX/2022. I called numerous times and I get the run around. This is not a valid debt and I am requesting verification. They are refusing to provide verification.
|
| 07/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Disputed with the company on XX/XX/XXXX. company received my disputes on XX/XX/XXXX as it shows according to certified mail. It is now XX/XX/XXXX and I have yet to hear back from the company. The FCRA gives the company 30 days to respond. I have not got a response.
|
| 02/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is a debt buyer! The representative refused to provide proof of the debt and a wet ink signature stating I owe them.
The representative was very rude and kept asking me for my visa/master-card information to pay. I do not owe this debt and I do not owe them.
|
| 09/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I'm also aware the credit bureaus have been given an additional 15 days which has also past ( exhausted ). I haven't received any investigation results.
|
| 08/12/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/XXXX I received a call from IQ Data that I had a debt outstanding. They claimed that they had sent out XXXX letters on XX/XX/XXXX + XX/XX/XXXX + XXXX. I have not received these letter.
They claimed they did not have to go to court to collect the funds.
|
| 06/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
15 USC 1692g ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer I DO NO VALIDATE THIS DEBT I HAVE NO CONTRACT WITH THIS COMPANY
|
| 04/28/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
I have numous times wrong address information I never lived in the apartment they are charging false debt and when i ask for the contract or orginal debt they claim to be lawyers and keep sending me the same false information. And continue to report to my credit
|
| 09/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
My information was used and there are utilitiy account and apartments open in my name and Ive tried getting them removed and letting the companies know they don't belong to me but they are refusing to remove them and being very rude and threatening me about it
|
| 11/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I submitted a complaint through Consumer Finance and the response given notified that within 45 days the debt will no longer be from IQ Data. However, the debt is still shown on my credit report and it has been over the number of days stated in their response.
|
| 11/04/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
The following company has continued to report the following account to my credit report. The company has failed to provide me with violation of debt. I am bringing this information forth to a judge in my area if this account is not removed from my credit file.
|
| 10/28/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Receiving countless calls from a company I don't know saying my name and that I owe a debt to them. I don't know of this debt. They are now reporting a debt on my credit report that I do not own. I've had to block the number as they will not stop calling me.
|
| 04/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Hi, last month I sent the company IQ Data International I debt validation letter. The only thing they've honored was that I asked them to no longer call me. other than that the company has yet to verify my debt and refuses to keep it off my credit report.
|
| 09/21/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I moved out of apartment left the unit nice did walk thru did check out list they even mailed me my deposit in full right after I moved. then a year later with out any notification sent me to collections for fees they now say I owe. this is fraudulent.
|
| 11/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
These accounts were fraudulently opened and maintained. I've contacted each company and communicated with them that they were fraudulent. To no avail, as they keep calling to get me to pay on an account, or with promotions for existing account holders.
|
| 07/18/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I submitted a payment under protest after being told that this would stop all further collection action.
A week later, the company submitted a collection account to the credit bureaus and tanked my score. They lied to me. I have a phone recording.
|
| 11/22/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
IQ DATA INTERNATIONAL placed a collection report on my credit for debt that I do no owe. I have documentation cleary showing that I did not live here when the debt was owed. Ive contacted leasing office and confirmed the debt does not belong to me.
|
| 12/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
1. ) XXXX XXXX bank Account Closed Date Closed : XX/XX/XXXX XXXX. ) {$120.00} XXXX Account Closed Date Closed : XX/XX/XXXX XXXX. ) {$450.00} XXXX Current Last Updated : XX/XX/XXXX 4. ) {$12000.00} IQ DATA INT Current Last Updated : XX/XX/XXXX 2022
|
| 04/11/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
The IQ DATA INTERNATIONAL company collects the debt that I do not owe. The amount keeps increasing without any notice.
I have disputed to XXXX to original creditor XXXX Original Date : XX/XX/2019 Current Date : XX/XX/2019 ( From Credit Report )
|
| 10/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
ALL 3 CREDIT AGENCYS AND COLLECTION COMPANIES REPORTING OUTDATED ACCOUNTS SINCE XXXX... ..ID FRAUD accounts open without my consent and not my accounts ... '' IQ INTERNATIONAL AND XXXX XXXX XXXX XXXX XXXX XXXX.AND VIOLATED " FCBA, FCRA, FDCPA ''
|
| 05/10/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I called them to try and pay off my debt. I was going to pay off XXXX XXXX I asked for a receipt for proof of payment and remaining balance and they told me no. I asked why the keep increasing the balance and they could not give me an answer.
|
| 05/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap.
IQ DATA INT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX GA ), balance is {$3700.00}, and account # XXXX
|
| 10/28/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Hello!
I sent them a debt validation letter dated XXXX. They failed to work with me and were very rude to me. When i asked for the company manager they hung up in my face. I contacted them several times after and received the same response.
|
| 08/03/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
XX/XX/XXXX org amount {$7000.00} XX/XX/XXXX new amount {$10000.00} Contacted IQ Data International XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX -- XXXX.
XXXX XXXX XXXXXXXX AZ Ask for medical release due to emergency XXXX XXXX
|
| 01/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I asked the company to send me legal papers of the debt collection I have not received. I do not owe them the amount they posted on my credit report. And its affecting and impacting my life in many ways to have this debt on my credit report
|
| 01/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I tried to contact them to dispute this debt letting them know its not mines they sent me over the lease that was not my signature saying that I owe XXXX pulse interest of XXXX with a total balance of XXXX. However this debt is not mines.
|
| 04/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/2023, company ( Iq Data International ) reported a outstanding balance of {$840.00}. Upon speaking with management, I now have a {$0.00} balance. I have documentation and a letter from management stating I have a XXXX balance.
|
| 03/30/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
Servicemember |
|
The manager XXXX was verbally abusive to me and bullied me on the call when I was trying to work out my account. He questioned me on things unrelated to this debt and was degrading. I just wanted to work out a resolution on my account.
|
| 08/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Company has been reporting an outrageously high price and that is incorrect. Company is trying to charge accelerated rent which is illegal while taking us to court for {$5000.00}. If numbers are not corrected court will get involved
|
| 12/14/2023 |
Yes |
- Debt collection
- Rental debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Called out of the blue by the data for a debt they claim from 5 years ago. I asked for statements and proof. They refused and yelled at me for not agreeing to pay the debt over the phone without proof. Very unprofessional and rude.
|
| 08/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I requested this company to CEASE ALL ORAL communication and only contact me VIA snail mail or email ... They continue to call and violate my rights repeatedly by harassing me via Telephone calls to myself and family and friends.
|
| 07/30/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
|
| 05/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have contacted XXXX, XXXX, and XXXX that my information was stollen and used for credit cards, and more. Also some hard inquiries that i didn't authorize and know about. I would love to have them remove from my account please.
|
| 01/07/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Hello, I received a bill from company stating I owed a different amount than what's trying to be collected. They said I never gave notice of my moving out but that is incorrect because I gave notice months before the move out.
|
| 01/22/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Company infringing on my perfectly healthy credit score, and hasn't Validated nor Verified the " Debt '' This is completely out of the norm ; and I'm highly confused about what is owed and why? Please help me with this issue..
|
| 09/23/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company agreed to remove their negative reporting from all 3 credit bureaus. It is still being reported to XXXX They have failed to provide me with a debt validation letter. They can not prove this debt belongs to me..
|
| 11/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
XX/XX/2021 {$2600.00} original {$2800.00} balance... I have sent them two rounds of letters asking for them to provide the original contract with my signature or delete the info. They have not provided to correct documents.
|
| 08/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I asked debt collector to send my letters & statements showing I owe they never sent any mail. I asked them to stop calling me repeatedly they call more since o asked them not to. Plus they threaten me with others results.
|
| 09/16/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
( XXXX ) IQ DATA INTERNATIONAL INC.
XX/XX/2022 {$2200.00} ( XXXX ) IQ DATA INTERNATIONAL XX/XX/2022 {$2200.00} As seen above this account is inaccurately reporting two different balances to XXXX different credit bureaus.
|
| 09/02/2023 |
Yes |
- Debt collection
- Rental debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I rented an apartment from the XXXX XXXX I had a XXXX XXXX and XXXX XXXX happen which allowed me to break my lease and leave for my safety. They kept my whole security deposit and is still trying to charge me over XXXX $
|
| 09/21/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
IQData International refuses to send me debt validation letter. They have no paper trail proving this belongs to me. They have no documentation bearing my signature and therefore should be removed from my credit report!
|
| 02/23/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt collection has been on my report for quite some time now, going on 6 years and I dont believe its fair & it is illegal. I want it removed from all credit bureaus as a soon as possible if I guys can help me.
|
| 06/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
This debt IQ Data international is not mine it was a result of identity theft and was resolved and taken off my credit report 4 years ago. I need this off my credit report because it will cause me financial distress
|
| 11/18/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( June ) 281 SW 715,719, I presume that no proof of the allege debt, nor therefore any such debt, in fact therefore exists.
|
| 06/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
IQ DATA INTERNATIONAL reported to my credit report without verify debt with me. I have knowledge of the debt or the original creditor. I dont have any contract signed with them or original creditor on the account.
|
| 01/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I reported that the information on my credit report was inaccurate and asked that the agency remove those errors numerous of times XXXX XXXX XXXX XXXX XXXX, XXXX IQ Data International IN XX/XX/XXXXXXXX XXXX
|
| 06/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
It was {$170.00}. I told them that Ill be able to pay when Im able to find a job but they came to a conclusion that Im not trying to resolve this debt. I felt that they were harassing me on this situation.
|
| 12/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My daughter applied to XXXX XXXX XXXX Townhomes and only listed me as an emergency contact and mailing address. I was not on the application and did not sign anything. She was the only person on the lease.
|
| 09/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
On XX/XX/2021 {$550.00} was taken from my checking out without my authorization. I authorized {$50.00} to be taken on XX/XX/2021 just the one time. At no point did I authorize any other amount to be taken.
|
| 08/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I contacted the credit bureau about hard credit inquiries indicating that I applied for credit within the past three months. These credit inquiries were hard credit inquiries that affect my credit report.
|
| 01/29/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Company lost lawsuit against me which was withdrawn without COST to any party.
Didnt live in state at the time of suit thats why judge withdrew.
Never agreed to any threats or debt for new collector.
|
| 04/02/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
I never owed this debt. It was done in retaliation to a bad review due to not having AC for over a month starting the first day we moved in. Manager said she was a lawyer and could do what she wanted.
|
| 05/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
IQ DATA INTERNATIONAL has been aggressively violating federal consumer protection laws by falsely representing my debts. As a result, my credit score has been negatively impacted by debt not owed.
|
| 08/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Account name reads : IQ Data International In Account is showing XXXX as opened Amount is {$5100.00} Called them to have error removed from my credit report and was refused for payment collection.
|
| 01/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
collector didn't send me notice within 5 days of starting collection and wrecking my credit NOR provided validation of the debt despite my attempts- while telling the bureaus it was correct.
|
| 10/06/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have a pending court case for this issue. I do not owe anything to this company. The company removed all my belongings from my residence before I had moved out I am sueing for damages.
|
| 03/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I called and requested a debt validation letter and XXXX XXXX area manager stated that he can not provide a debt validation letter and that I must obtain the information from the courts.
|
| 02/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have sent a dispute letter to IQ data international and they did not respond, but then went ahead and posted incorrect information on my credit report and want to seek legal action.
|
| 10/30/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
This company IQ DATA INTERNATIONAL continues to report an account that is past the statute of limitations to collect in the state of Georgia. Remove and stop reporting immediately.
|
| 08/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have disputed this collection with the major credit agencies, This company removed the collection and reported it again under another collection agency with a very similar name.
|
| 11/06/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
After terminating my lease and moving, my previous landlord is attempting to collect a debt they are not owed. There is no money judgement from courts against me for this amount.
|
| 10/04/2023 |
Yes |
- Debt collection
- Rental debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
My information was given to a third party who have not contacted me in no way I called to have debit verified and was told you need to pay we will send this to the credit bureau!
|
| 12/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
After noticing this debt collection on my consumer report, I contacted the company asking for original documentation or contract, signed by me, stating that I owe them any money.
|
| 10/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.
|
| 04/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received no notice in the mail of or otherwise, regarding this debt that they claim I cosigned on until they started calling me and I didnt know what they were talking about.
|
| 12/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
The address they have on file is incorrect. I did not receive a letter confirming validation of debt. They have the wrong city on file and never received any letters from them.
|
| 09/13/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This company keeps on adding what I " owe '' to whomever.. The balance that I owe used to be only XXXX $ and somehow it's over XXXX $ - This CAN NOT be legal nor justified
|
| 05/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
IQ data has falsely reported wrong information to get money from a court order written statement! They have falsely reported incorrect payment statements & history dates
|
| 04/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This debt was included in a XXXX XXXX repayment plan with the ORIGINAL CREDITOR. This collection agency was notified of this before the item was placed on credit report.
|
| 01/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I sent a written dispute letter to the collection agency and never received a verification of debt. I heard nothing else until I saw the collection on my credit report.
|
| 06/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Continually calls my job 3-4 times a day if Im not reached by phone. Asked to stop calling my phone and job as I do not want to lose my job due to excessive calls
|
| 09/29/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I was incorrectly charged for an amount owed and never received documentation from company before collections. Company never notified me of debt owed as promised.
|
| 02/10/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
The creditor of IQ Data International keep calling about false debt and threatening me over the phone. I told them thee debt was inaccurate but they keep calling
|
| 11/24/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The company is indicating that interest is owed on the amount but no interest was mentioned in the original contract or copy of the contract the company sent.
|
| 11/30/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I requested my original contract and wet ink signature therefore I want the item removed immediately and dropped to XXXX balance XX/XX/2023 by certified mail
|
| 09/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Identity theft. Harassing letters sent to my home. Violation of debt collection policy 's. Reporting fraudulent information to the credit reporting agencies.
|
| 01/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My name is XXXX XXXX The company name is IQ Data International. I dispusted a debt they refused to remove this from my credit and this is my formal complaint
|
| 04/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute regarding the incorrect items on my credit report. it has been well over 30 days and I haven't received any investigation results.
|
| 08/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to incorrect items on my credit report it has been well over 30 days and I haven't received any investigation results.
|
| 11/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Letter was sent advising company that this is NOT my debt and requesting VALIDATION before any further attempts to collect. I owe NO amount to IQ Data
|
| 07/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I've filed a dispute in regards to the incorrect items on my credit report. It's been well over 30 days and I not received any investigation reports.
|
| 09/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have been called 7 times in less then 12 hours, including 4 in a one hour span. Tuesday XX/XX/XXXX and XXXX. Company is IQ data international
|
| 12/01/2023 |
Yes |
- Debt collection
- Rental debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
FDCPA Violation Did Not Provide Mini Miranda.
Violation Per Code 807 ( 11 ) Used Abusive language and called repeatedly Another Violation 806
|
| 10/10/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was over charged on this collection that has already been resolved by the courts. I have the letter to prove that it has been satisfied.
|
| 10/25/2023 |
Yes |
- Debt or credit management
- Debt settlement
|
- Charged upfront or unexpected fees
|
|
Web |
|
|
IQ Data Collections took on a debt of mine that should have never existed and is now harassing me by calling my employer and coworkers.
|
| 09/20/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
|
| 07/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The company stated that it has actively ceased seeking payment but is still showing on my XXXX but has removed themselves from my XXXX
|
| 10/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American, Servicemember |
|
My identity was stolen in XXXXAn apartment was rented in my name in Wyoming. I. Q. Data International has filed a report on my credit.
|
| 10/01/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I paid my account off to IQ Data international XX/XX/21 for the balance of {$670.00}. The company marked my payment late as XX/XX/21
|
| 08/02/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I do not know a iQ data international creditor, I want this remove from my credit report. They state I owe XXXX updated XX/XX/2020.
|
| 03/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I paid the balance in Full. Balance should be {$0.00} and account closed. It is still reflecting open with an outstanding balance.
|
| 02/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
XXXX XXXX has not been collecting {$59.00} a month from me. I have not been a patient there for more than 2 years, XXXX XXXX was.
|
| 04/19/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Spoke to supervisor about my apartment collection. They informed me that I would need a down-payment to be put on a payment plan.
|
| 03/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
They used profanity and offensive language and demanded that I pay the amount owed in full and not in payments. Bullying tactic.
|
| 12/17/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I.Q. data international had false info put on my credit report, failed to validate the dang and repeated harassing phone calls
|
| 05/14/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Im confused to why XXXX sold my debt to IQ data but theyre still showing on my XXXX report twice and one time on my XXXX
|
| 11/30/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This company has tried to collect debt from me that is completely incorrect. They have harassed me about this for years.
|
| 03/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have no information about this debt where it came from or anything related. It's the result of identity theft.
|
| 06/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
IQ Data never sent me any notice in the mail to validate the collection and they constantly call and harass me.
|
| 05/16/2022 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
Theyve contacted numerous persons of relation and also close friends, in attempt to collect debt on a consumer.
|
| 08/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I filed a dispute over 30 days ago and I have not heard anything concerning my investigation results.
|
| 01/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I did not consent to, benefit from nor authorize any of the following accounts : IQ Data- {$7300.00}
|
| 09/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
{$4100.00} inaccurate information no action was taken nor court to address this is identity theft.
|
| 08/19/2021 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
Calls twice a day on behalf of XXXX XXXX including hang ups and calling my place of employment.
|
| 11/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This can't be happening!! This company must remove the as they need to validate this account!
|
| 11/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This can't be happening!! This company must remove the as they need to validate this account!
|
| 08/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
I have not in any way attempted to apply for an apartment in XXXX Texas. Ever! This is fraud.
|
| 12/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts are showing up on my account that I am unaware of and need them removed immediately.
|
| 04/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I PAID THIS PROPERTY IN FULL AND THEY ARE TRYING TO COLLECT MONEY THAT IS NOT OWED TO THEM.
|
| 10/12/2023 |
Yes |
- Debt or credit management
- Credit repair services
|
- Problem with customer service
|
|
Web |
|
|
Im out of my apartment with no fees, and now the IQ data collection are giving random fees
|
| 03/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I never received the original contract that i signed that states the debit belongs to me.
|
| 05/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I havent received any collection notices and I was notified of a debt from iq collections
|
| 01/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
this account is unknown to me, the collector did not verify. Send documentation of proof
|
| 10/23/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Debt collector is not giving me legal information that I need to dispute the debt.
|
| 03/04/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have a fraudulent account on my credit report that I have never heard of.
|
| 11/03/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
Being harassed by phone.. reporting fraudulent data on my consumer reports
|
| 12/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
These accounts are opened fraudulently without my consent remove this now
|
| 09/21/2023 |
Yes |
- Debt collection
- Rental debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I have mailed them cease and desists letter and they continue to call.
|
| 09/17/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I asked them to provide proof that this debt is mine because it isnt.
|
| 06/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX - 2018 Amount for {$95.00}. Showed up on my credit pull.
|
| 02/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have enclosed proof of payment to XXXX @ XXXX not IQ data??
|
| 08/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I HAVE A FRAUDLANT ACCOUNT REPORTING ON MY CREDIT REPORT
|
| 08/07/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Debt was paid in full but still reporting on my credit
|
| 07/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
this company has falsely used my credit report.
|
| 09/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Debt is not mine.
|
| 04/11/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
not my debt
|
| 01/29/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information is incorrect
|
|
Web |
|
|
|
| 01/29/2024 |
Yes |
- Debt collection
- Rental debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/28/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/28/2024 |
Yes |
- Debt collection
- Rental debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 01/27/2024 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/27/2024 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 01/27/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/26/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/26/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/26/2024 |
Yes |
- Debt collection
- Rental debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 01/26/2024 |
Yes |
- Debt collection
- Rental debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/26/2024 |
Yes |
- Debt collection
- Rental debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 01/25/2024 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/25/2024 |
Yes |
- Debt collection
- Rental debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/25/2024 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 01/25/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Debt collection
- Rental debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Debt collection
- Rental debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Debt collection
- Rental debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 01/17/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/17/2024 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/17/2024 |
Yes |
- Debt collection
- Telecommunications debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 01/16/2024 |
Yes |
- Debt collection
- Rental debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
|
| 01/15/2024 |
Yes |
- Debt collection
- Rental debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/14/2024 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/13/2024 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/12/2024 |
Yes |
- Debt collection
- Rental debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/12/2024 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/12/2024 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/12/2024 |
Yes |
- Debt collection
- Rental debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 01/12/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Debt collection
- Rental debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 01/10/2024 |
Yes |
- Debt collection
- Rental debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Debt collection
- Rental debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Debt collection
- Rental debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Debt collection
- Rental debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/08/2024 |
Yes |
- Debt collection
- Rental debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/08/2024 |
Yes |
- Debt collection
- Rental debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/08/2024 |
Yes |
- Debt collection
- Rental debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Phone |
|
|
|
| 01/07/2024 |
Yes |
- Debt collection
- Rental debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 01/06/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/04/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 01/03/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/03/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
|
| 01/03/2024 |
Yes |
- Debt collection
- Rental debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/02/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/02/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/02/2024 |
Yes |
- Debt collection
- Rental debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 01/02/2024 |
Yes |
- Debt collection
- Rental debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/01/2024 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Debt collection
- Rental debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/24/2023 |
Yes |
- Debt collection
- Rental debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/24/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/23/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/22/2023 |
Yes |
- Debt collection
- Rental debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/22/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 12/22/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/22/2023 |
Yes |
- Debt collection
- Rental debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 12/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/22/2023 |
Yes |
- Debt collection
- Rental debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/21/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/16/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/13/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/12/2023 |
Yes |
- Debt collection
- Rental debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Phone |
|
|
|
| 12/12/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 12/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/07/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 12/06/2023 |
Yes |
- Debt collection
- Rental debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 12/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/06/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/04/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 12/03/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/03/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/02/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/01/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/29/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/23/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 11/23/2023 |
Yes |
- Debt collection
- Rental debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 11/23/2023 |
Yes |
- Debt collection
- Rental debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/21/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/21/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/20/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/16/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/16/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/07/2023 |
Yes |
- Debt collection
- Rental debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 11/07/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/07/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/07/2023 |
Yes |
- Debt collection
- Rental debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 11/02/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/28/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/25/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 10/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/23/2023 |
Yes |
- Debt collection
- Rental debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/17/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/14/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/13/2023 |
Yes |
- Debt collection
- Rental debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/12/2023 |
Yes |
- Debt collection
- Rental debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/12/2023 |
Yes |
- Debt collection
- Rental debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 10/10/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/10/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 10/09/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/06/2023 |
Yes |
- Debt collection
- Rental debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/05/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 10/05/2023 |
Yes |
- Debt collection
- Rental debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/05/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 10/05/2023 |
Yes |
- Debt collection
- Rental debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/04/2023 |
Yes |
- Debt collection
- Rental debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 10/03/2023 |
Yes |
- Debt collection
- Rental debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/03/2023 |
Yes |
- Debt collection
- Rental debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 10/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/02/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/01/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/29/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/29/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/29/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 09/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 09/28/2023 |
Yes |
- Debt collection
- Rental debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/26/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/21/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/20/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/18/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/13/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/13/2023 |
Yes |
- Debt collection
- Rental debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 09/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 09/12/2023 |
Yes |
- Debt collection
- Rental debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 09/12/2023 |
Yes |
- Debt collection
- Rental debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 09/09/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/08/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/08/2023 |
Yes |
- Debt collection
- Rental debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 08/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 08/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 08/30/2023 |
Yes |
- Debt collection
- Rental debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/30/2023 |
Yes |
- Debt collection
- Rental debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 08/29/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/25/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/25/2023 |
Yes |
- Debt collection
- Rental debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/25/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 08/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/18/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Phone |
|
|
|
| 08/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web Referral |
|
|
|
| 08/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 07/31/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 07/31/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Older American |
|
|
| 07/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/25/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 07/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Phone |
|
|
|
| 07/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 07/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 07/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
|
| 07/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/30/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/30/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Phone |
|
|
|
| 06/29/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/29/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 06/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 06/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/23/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Servicemember |
|
|
| 06/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 06/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 06/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 06/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 06/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 06/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 06/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 06/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 05/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 05/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 05/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 05/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
|
| 05/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 05/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 05/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 05/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 05/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 05/02/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Postal mail |
|
|
|
| 04/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 04/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 04/25/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/25/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 04/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 04/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/18/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 04/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information is incorrect
|
|
Web |
|
|
|
| 04/09/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Servicemember |
|
|
| 04/05/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 04/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 04/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/31/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 03/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/29/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 03/26/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
|
| 03/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 03/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 03/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/18/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Phone |
|
|
|
| 03/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 03/12/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/11/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 03/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 03/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/03/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/02/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/01/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 03/01/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/01/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 02/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 02/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 02/18/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 02/17/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 02/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 02/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 02/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 02/05/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/01/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/31/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 01/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/27/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/20/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 01/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/16/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 01/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 01/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/05/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 12/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/27/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/21/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 12/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Postal mail |
|
|
|
| 12/15/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 12/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 12/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 12/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 12/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/02/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
|
| 12/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 11/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/30/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 11/29/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 11/09/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/03/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 11/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 10/27/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 10/24/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/16/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 10/16/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/13/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 10/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 10/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
|
| 10/07/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Postal mail |
|
|
|
| 10/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Older American |
|
|
| 10/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/03/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 09/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Phone |
|
|
|
| 09/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/16/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 09/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 09/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 09/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 09/08/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/07/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/07/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 08/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/24/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/08/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 08/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/05/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 08/01/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 07/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/22/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Phone |
|
|
|
| 07/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 07/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 07/11/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 07/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/08/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 07/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 07/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Phone |
|
|
|
| 06/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 06/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 06/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 06/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 06/11/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/10/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 06/09/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 06/07/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/04/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 05/30/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/26/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 05/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 05/20/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 05/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 05/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
Servicemember |
|
|
| 05/11/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 05/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Phone |
|
|
|
| 05/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 05/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 05/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 05/03/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 05/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
|
| 04/30/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 04/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 04/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
|
| 04/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 04/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 04/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/05/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 04/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/31/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
Servicemember |
|
|
| 03/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Phone |
|
|
|
| 03/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/25/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 03/23/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 03/21/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 03/19/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Referral |
|
|
|
| 03/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/14/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/14/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/11/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
Servicemember |
|
|
| 03/11/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 03/11/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 03/11/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/11/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/09/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 03/03/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/28/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Phone |
|
|
|
| 02/26/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 02/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/20/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 02/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 02/16/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Referral |
|
|
|
| 02/15/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/15/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/09/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 02/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 02/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 02/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/31/2022 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
|
| 01/31/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/25/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 01/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 01/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/11/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/11/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/07/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/06/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/04/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/29/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 12/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/06/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/02/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/21/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 11/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Phone |
|
|
|
| 11/16/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 11/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/06/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 11/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 11/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/29/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
Servicemember |
|
|
| 10/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 10/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Phone |
|
|
|
| 10/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 10/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/19/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/18/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 10/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 10/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 10/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/03/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
|
|
Web |
|
|
|
| 10/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 09/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 09/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 09/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 09/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 09/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 08/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/25/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Phone |
|
|
|
| 08/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 08/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 08/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 08/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 07/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 07/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 07/28/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 07/28/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 07/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 07/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 07/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 07/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 07/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 07/14/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 07/14/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 07/09/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 07/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/30/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/29/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
|
| 06/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 06/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/24/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/24/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 06/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
Servicemember |
|
|
| 06/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 06/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 05/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 05/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 05/19/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 05/11/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 05/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 05/06/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/06/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 05/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 05/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 04/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 04/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/18/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/17/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 04/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 04/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
Servicemember |
|
|
| 04/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 04/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Phone |
|
|
|
| 04/13/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/12/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/12/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 04/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 04/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 04/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 04/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Phone |
|
|
|
| 03/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/31/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 03/25/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 03/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/22/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 03/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 03/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Fax |
|
|
|
| 03/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 03/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/02/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 02/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 02/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 02/24/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 02/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 02/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/10/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 02/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 02/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 02/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 01/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Phone |
|
|
|
| 01/20/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
|
| 01/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 01/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/12/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 01/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/05/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 01/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 01/04/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 12/30/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/19/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 12/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/12/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/11/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/30/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/26/2020 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
|
| 11/25/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/22/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 11/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 11/20/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 11/20/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Phone |
|
|
|
| 11/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 11/14/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Fax |
|
|
|
| 11/13/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 11/13/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/13/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/09/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 11/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 11/05/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/03/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 10/31/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/25/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 10/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Postal mail |
|
|
|
| 10/15/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/15/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/30/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American, Servicemember |
|
|
| 09/30/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 09/29/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/10/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/10/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Postal mail |
|
|
|
| 09/08/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Postal mail |
|
|
|
| 09/08/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 09/06/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 09/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 08/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/26/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/25/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 08/25/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 08/25/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 08/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/20/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/13/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/09/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|