Consumer complaint received 2019-09-09
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
What is the complaint about? 
This complaint involves I.Q. Data International, XXXX XXXX XXXX XXXX, and XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona failure to accommodate my dependent sons XXXX after emergency XXXX and grant eligibility for early termination of lease contract. No accommodations were offered for a ground floor apartment after the XXXX and my XXXX son was no longer safely able to live on the upper apartment floor. There was a failure to recognize a 30-day early termination request following the American Disabilities Act as well as a failure to communicate with the tenant regarding accommodations for this emergency on going situation. There was a failure to honor the thirty-day request for information for dispute of final billing after receiving notification from I.Q. Data International. There was a failure to provide the requested information from XXXX XXXX and I.Q. Data international regarding the dispute. 

What type of problem am I having? 
The problem I am having is XXXX XXXX  failure to respond to the request for re-evaluation of final bill to include unlawful charges, unlawful taxation, misrepresenting the date for request for vacating the apartment and request for waiver of early termination of the lease fees and misrepresenting the actual stated departure date. When the collection department finally responded it failed to accurately represent my security deposit of {$200.00} and instead XXXX XXXX indicated {$140.00}. There is a list of taxes that have no basis. There is a rental charge for {$77.00} with no basis. I had paid all rental charges until XX/XX/XXXX ( moved out date of XX/XX/XXXX ) and have the cashed check from XXXX XXXX. Once the early termination feel is in place there can not be additional rental charges applied. Tax was also applied to the early termination fee. The tax on that fee is a corporate capital gains and not the burden of the tenant. 

Rather than respond to my multiple attempts to resolve this issue with XXXX XXXX  this final bill was sent directly to collections bypassing the stated thirty-day response period allowing the addressee to contest the amount of the final bill. Within eleven days of sending the initial letter XX/XX/XXXX stating I had thirty days to contest the bill another letter was sent XX/XX/XXXX ( received XX/XX/XXXX ) stating it had already been sent to collections. I had responded to the initial letter upon receipt with both certified and regular mail on XX/XX/XXXX and received return receipt confirmation XX/XX/XXXX. XXXX XXXX  or I.Q. Data International has addressed none of my requests for information. The only written communication from XXXX XXXX has been the I.Q. Data International debt collection letters and confirmation signed return receipts for mail I had sent. I finally received a response from I.Q. data only to send a copy of the final bill and a page of the contract both of which I have. No corporate contact and no corporate lawyer information was included. No mention of my request for arbitration. 

I again sent a letter to I.Q. Data on XX/XX/XXXX and requested the following : At this time I am requesting the debtor provide the following documentation : 1. Copies of all monthly lease statements from XX/XX/XXXX until the present relating to this dispute. 
2. Copies of all monthly original water receipts from the XXXX, Arizona Utility company for water, waste water and solid waste pertaining to the building housing the # XXXX apartment from XX/XX/XXXX until XX/XX/XXXX 3. Copies of all notifications for the property that houses apartment # XXXX related to water shutoffs between the dates of XX/XX/XXXX. XXXX and XX/XX/XXXX. 
4. Copies of all emails related to correspondence with the management of XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Arizona. 
5. Copies of all phone audio recordings and messages left for management from and to the XXXX tenants of apartment # XXXX between XX/XX/XXXX until the present 6. All XXXX XXXX management and corporate calendar, notes, and messages related to the XXXX tenants of apartment # XXXX between the dates of XX/XX/XXXX until the present 7. Copies of all attempts by XXXX XXXX to satisfy the American Disabilitys Act to accommodate my XXXX request to relocate to a ground level apartment 8. Address of XXXX XXXX Corporate Attorney for request for arbitration Neither XXXX XXXX or I.Q. Data sent any response to this letter. My FICO score in XXXX was XXXX and my FICO report XX/XX/XXXX was XXXX. I.Q. Data without any further notification or correspondence filed a report against my credit. I never received any information I requested and did not even get a response to my request for arbitration.

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