Consumer complaint received 2018-02-06
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I mailed the collection agency on XX/XX/XXXX with a dispute letter listed below. 
I called on XX/XX/XXXX and they had not received my dispute letter yet. 
I called again on XX/XX/XXXX and they told me that they have already reported this on my credit report 2 days ago as a disputed item even though the debt was put on hold for compliance. They are still waiting for confirmation back from Nova/Greystar. 
She told me to call Nova/Greystar and get something in writing and my response was that I have been disputing this for over 14 months now and they will not give me anything in writing. 

She told me to call back in 1 week to check on their status. I know they will continue to try and collect and report it as not disputed. I have worked very hard to keep my credit clean and a good credit score. This has caused my financial harm. I do not owe this money. 

I am furious that this has already been reported to my credit report, being disputed or not, it is not fair and I do now owe this money. 


Letter sent disputing the debt : To : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX RE : account # XXXX from original creditor XXXX XXXX ( WA ) XXXX XXXX This charge is for normal wear and tear in their terms and it is a violation of the State Statutes. 
1. This is also a violation of the Fair Credit Reporting Act and I am choosing to inform you that this attempt is in fact being disputed. It is also possible to seek financial damages from the violator which I would seek to the highest degree. 
2. Nova/Greystar has been paid in full. I also paid the water/sewer/garbage bill for an extra 3 month period as it was back dating from when the tenants were to begin to be charged but only informed 3 months after they already received the funds. This is a misappropriation of funds on the part which is another violation of the law. I just wanted to move so I paid it. 
That check is check # XXXX in the amount of {$180.00}. Nova/Greystar cashed this check and in the same envelope was an invoice showing it had been professionally cleaned as I usually do when vacating a property. 
3. In addition to point # 2, {$380.00} was the amount they have said that I owe them ( another letter stated {$370.00}? ) but your letter states {$200.00}. Why this difference? I see it is to my benefit but obviously they have internal administration issues. Ive gone through 5 different people in their organization that are aware of the facts.

4. They have refused to provide me with a copy of the lease renewal that I did sign. I did not see that there was a clause to pay their fees for cleaning of normal wear and tear such as the carpet cleaning that they state they had to do upon my vacating. The unit was left in pristine condition. This was definitely in my original lease from the 2 years previous. My original deposit was waived at move in due to my credit report and references from previous landlords. 
5. According to my records, I was only to need to pay Nova/Greystar an amount of {$37.00} for my pro rated water/sewer/garbage share and be done with it. They have continued to go beyond harassment. I moved out a week early end in XXXX and its now almost XX/XX/XXXX when Nova/Greystar has sent me to collections. An entire year later. 
6. My job is being a HUD Certified Housing Counselor. I have met with an attorney who has advised me that my conclusion of this fraudulent bill to me and other violations are accurate. I am too busy to take this on but if forced into it, He and I will have no choice. I feel for the tenants who are not able to defend themselves or take the time to get in touch with HUD counselors to assist them. Nova/Greystar is stealing from their tenants. 
This bill will continue to be disputed and not paid. Please inform me that you have received my correspondence with in the 30 day requirement. I received it on XX/XX/XXXX. I also request a letter stating that this bogus collection is no longer being pursued or sold to another collections agency. 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX WA XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation