Product: Debt collection

UPDATED LETTER : XX/XX/2019 ORIGINAL LETTER : XX/XX/2019 IQ DATA INTERNATIONAL XXXX. XXXX  XXXX XXXX, WA XXXX Re : [ Acct # ***XXXX  ] IQ DATA INTERNATIONAL , I am responding to your contact about a debt you are trying to collect. You contacted me by phone, on XX/XX/19 and identified the debt as XXXX XXXX / XXXX XXXX. 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 : 1. 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. 

2. 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, 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. 

3. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. Provide a copy of the written agreement that created my original requirement to pay. 

4. 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. [ XX/XX/XXXX : THIS HAS NOT BEEN PROVIDED. ] The amount and age of the debt, including : 5. A copy of the last billing statement sent to me by the original creditor. [ XX/XX/XXXX : THIS HAS NOT BEEN PROVIDED. ATTACHED IS THE LAST STATEMENT I RECEIVED. I NEVER RECEIVED ANOTHER BILL AFTER THE STATEMENT DATE OF XX/XX/2019 ] 6. State the amount of the debt when you obtained it, and when that was. [ XX/XX/XXXX : CLARIFICATION REQUIRED : THERE WERE NO ITEMS LEFT IN THE UNIT. THERE SHOULD NOT BE A {$50.00} FEE. ALL ITEMS WERE MOVED UPON MOVE OUT. XXXX FROM THE LEASING OFFICE AGREED TO WAIVE THE CLEANING CHARGE IN WRITING. THIS WAS ADJUSTED IN THE STATEMENT DATED XX/XX/XXXX. WALL DAMAGE WAS PERFORMED BY CONTRACTORS SENT BY XXXX  XXXX  DURING A MAINTENCANCE ISSUE TO FIX THE LEAK FROM THE UNIT ABOVE. THIS SHOULD BE WAIVED AS I DID NOT PERFORM THE WORK. INTEREST CHARGE NEEDS TO BE WAIVED AS THIS IS CURRENTLY BEING DISPUTED. ] 7. 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. [ XX/XX/XXXX : THIS HAS NOT BEEN PROVIDED. NO CLARIFICATION ON INTEREST RATE. INTEREST SHOULD NOT BE ACCRUING AS THIS IS CURRENTLY IN DISPUTE. ] 8. 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. [ XX/XX/XXXX : CLARIFICATION REQUIRED : WALL DAMAGE SHOULD NOT BE CHARGED SINCE THIS WAS PERFORMED BY XXXX  XXXX  MAINTENANCE ( - {$45.00} ). NO ITEMS WERE LEFT IN UNIT ( - {$50.00} ). INTEREST NEEDS TO BE REMOVED ( - {$17.00} AS OF XX/XX/2019) I AM WILLING TO PAY THIS AMOUNT : {$1000.00} = {$50.00} LATE FEE + {$1200.00} CARPET REPLACEMENT - {$200.00} SECURITY DEPOSIT. PLUS I WILL 19 DAYS OF UTILITY FEES. 

9. If there have been any other changes or adjustments since the last billing statement from the original creditor, 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. [ XX/XX/XXXX : CLARIFICATION REQUIRED : WATER/UTILITIES/TRASH ARE BILLED AT 50 DAYS. THIS SHOULD BE 19 DAYS PLEASE PROVIDE UPDATED BILLING. ] 10. Tell me when the creditor claims this debt became due and when it became delinquent. [ XX/XX/XXXX : THIS HAS NOT BEEN PROVIDED. ] 11. Identify the date of the last payment made on this account. 

12. 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. 

13. 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. 

14. 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 treat this debt as being in dispute and under discussion between us. 

In addition to providing the information requested above, let me know whether you are prepared to accept less than the balance you are claiming is owed. If so, tell me in writing your offer with the amount you will accept to fully resolve the account. 

Failure to respond to this request will result in a determination that the debt is not valid, and any adverse actions taken against my credit will be held against IQ DATA INTERNATIONAL. 

Reach out with questions. 

-XXXX