Consumer complaint received 2020-04-15
Company: I.Q. DATA INTERNATIONAL, INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/20, I received a phone call from IQ Data International stating that I had an outstanding debt from an apartment complex. I told them I did not owe that apartment any money. I requested that I be only by contacted via mail and given information about the validity of the debt.

IQ Data International has never sent me any written  communication. 

On XX/XX/20, I sent certified mail to IQ Data International and to the original creditor.

IQ Data intentionally hides their address to make it impossible to get a hold of them in writing ( See attached envelope ). The address the mail was sent was returned, even though it is the address currently listed with the credit reporting agencies ( See attached screenshot ). 

The certified letter is showing original creditor has received my letter, but there has been no response.

IQ Data International falsely reported an amount ( different from any amount stated to me or validated ) on my credit report after I requested twice for debt validation. Destroying my credit score and not complying with the written requests nor telling me that I was allowed to ask for validation.

IQ Data International is committing fraud by providing fals
e addresses in order to prevent their victims from being able to communicate in writing and to extort monies not owed.

The first time IQ Data International provided any documentation to me was through CFBP complaint # XXXX on XX/XX/2020 ; which is after the 30 days they are required to provide documentation of the debt. 

This documentation was just a spreadsheet and includes a random line item for over XXXX dollars. This is not proof of actual debt owed, and this amount has not been verified in anyway. In fact, an arbitration request was denied due to the original creditor being in bad standing with the XXXX. Therefore this is not a valid debt and does not provide any written communications between me and the original creditor as required. 

IQ Data International illegally destroyed my credit by adding a collection which had not been validated despite my numerous attempts to get this in writing. They continue to extort people by not allowing them to follow the rules required by the CFPB and other agencies trying to prevent these predatory actions. 

The illicit behavior of being evasive in giving addresses is a clear attempt to further extort more money from consumers that do not actually owe the amounts they are demanding while trying to fraud the CFPB and others to believing they are following the law. 

BetweenXX/XX/20 and XX/XX/20 I was given 4 different address for IQ Data International : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX This address is currently listed with the credit reporting agencies ( see attached ) ; currently listed with XXXX  ; and where my certified letter was sent. 
2. XXXX XXXX XXXX XXXX WA XXXX XXXX on their website. 
3. XXXX XXXX XXXX XXXX, WA XXXX Found on the written response to CFBP XXXX 4. XXXX XXXX XXXX, XXXX, WA XXXX Given to me on the phone by a person assigned to my account and also on the credit reporting agencies website. 

Please stop this company from evading the law by using fraud to make it impossible for consumers to request validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation