Consumer complaint received 2015-07-30
Company: I.Q. DATA INTERNATIONAL, INC.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX and XX/XX/XXXX I was in contact with IQ Data International. My main point of contact was XXXX XXXX. We entered into agreement to pay {$2100.00} in order to remove my name from a debt and all liability associated with it. It was understood that upon receipt of payment, they would report the settlement of the debt on my part to the major credit bureaus. I rendered payment XX/XX/XXXX and have in my possession a receipt dated for XX/XX/XXXX indicating receipt of said payment and the agreement to follow as indicated above. In an attempt to acquire shelter this month, XX/XX/XXXX, it has been discovered that they are continuing to report derogatory information to the credit bureaus in the amount estimated around {$4000.00}. We have left multiple voicemails for the company and they are not answering the phone or responding to the voicemail messages. This has destroyed my credit. It is the policy of my apartment establishment that any applicant who was denied based on rental history debts, should they be overturned by upper management, they are required to render a security deposit of {$400.00} instead of the guaranteed security deposit of {$100.00} for those who would be approved without rental history debt. I am XXXX without the ability to earn income other than XXXX. 

The above is a rough copy of my complaint filed with the Better Business Bureau. I am filling a claim with Consumer Finance because of my most recent interaction with IQ Data International. 

I just attempted to make contact with IQ Data International again this afternoon. I was able to speak with an agent named XXXX who claimed that they are not reporting derogatory information to the credit bureaus. When I was in disagreement with her statement and indicated that the credit bureau was informing me otherwise, she transferred me to her manager, XXXX. 

When XXXX answered the phone, asking how he could help me, I had stated that they ( IQ Data International XXXX were indicating that they were not reporting a balance owed to the credit bureau. He interrupted me before I could finish the next sentence to tell me that this is incorrect, that they are not reporting derogatory information to the credit bureaus. Yes, you read that correctly. He disagreed with my statement by stating exactly what I said in a different combination of words. I immediately requested that he please listen to what I am saying because it was clear he was n't listening to anything I just said. He began laughing. Although I was rather disconcerted, I attempted to move on by informing him what the credit bureau has claimed. He interrupted me and began speaking over me, despite my request to not interrupt me while I am speaking. I asked him again to not interrupt me and to listen to what I had to say and he responded maliciously and hung up. This is not acceptable professional behavior. 

It still stands that the credit bureaus are indicating that IQ Data International is reporting this derogatory information on my credit file. These are the facts. If IQ Data International is legitimately claiming they filed the appropriate paperwork to the credit bureaus, then they need to be contacting the bureaus and disputing this with them directly, as I can not be a middle person when the representatives of IQ Data International choose to disrespect me and disconnect the line intentionally.

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