Consumer complaint received 2019-06-27
Company: I.Q. DATA INTERNATIONAL, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX To Whom It May Concern : I am filing a report about a collection that has shown in my credit history. I am in the process of buying a house and the first Lender ( XXXX XXXX XXXX ) checked my credit score with XXXX my score is XXXX. The second Lender ( XXXX XXXX XXXX ) also checked my credit score and it dropped to XXXX. When I inquired what caused my score to go from 800 plus to below 700 after years of excellent credit history ; I found out that the collection showed in two credit bureaus ( XXXX and XXXX ) an unpaid collection of {$10000.00} from a creditor named XXXX XXXX XXXX that was dated XX/XX/XXXX per the dept collector agency IQ Data International. 
This is not the 1st time that someone has used my information as the same thing happened to me lastXX/XX/XXXX, when a person named XXXX XXXX used my SS number, my maiden name, and previous home address to lease a room in XXXX XXXX. I reported this to 3 credit bureaus and asked for security alert. I don't know why it happened again. I am afraid that someone or a possibly a group of individuals are continuously using my identity and ruining my credit score. I am again contacting the FTC/CFPB to prevent further damage to my identity and credit. I have again already reported this issue to XXXX and XXXX about this incident. XXXX bureau has not received notice of this collection. Please advise as this has been going on for more than a year now. 
Below is the 1st report I made to FTC in XX/XX/XXXX for your reference. 


Sincerely, XXXX XXXX " XX/XX/XXXX To Whom It May Concern : I was given notification from XX/XX/XXXX. XXXX XXXX ( Ph # ( XXXX ) XXXX-extXXXX ) that I owed {$130.00} to a creditor titled : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, acct # XXXX. I sent a letter of dispute informing this transaction was unknown to my knowledge. I received a call from XXXX   today,XX/XX/XXXX and was told that my identity must have been stolen and the culprit is actively using my social security number ; the person applied online and tried to lease a room in the said company name listed above for a year. 
XXXX emailed me the lease contract that was created under my name and it states that I moved from XXXX   to XXXX. In the contract, submitted under my name falsely, someone was listed as a contact or claimed to be my friend and she is supposedly my emergency contact. Her name is XXXX XXXX, contact information ( XXXX ) XXXX email : XXXX. It also says in the contract that I am currently employed at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, supervisor name is XXXX XXXX, ( XXXX ) XXXX. In the contract, my maiden name, previous home address and current social security number were provided ; my drivers license, income, phone number and the date when I moved out of my previous home were incorrect. Obviously, someone has my vital information and is pretending to be me. I am contacting the FTC to prevent further damage to my identity and credit. 

Thank you, XXXX XXXX ''

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