Consumer complaint received 2017-05-31
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA
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:
IQ Data International,  INC  XXXX   XXXX   XXXX   XXXX , WA  XXXX  (  XXXX  )  XXXX  Reported to my credit negatively last on  XX/XX/2017 .I had no knowledge of this debt until I reviewed my credit report. I never received a move out statement or notice of this balance from the original creditor  XXXX   XXXX . The alleged debt was originally for  XXXX  and now the debt is  XXXX . This debt is reporting to the same credit bureaus with  XXXX  different balances, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) " by misrepresenting the character, AMOUNT, and legal status of a debt. '' I do not own this debt. This debt belongs to my ex spouse that was in the military and discharged and labeled unable to deploy due to scoliosis. I had to sign the lease because I was over the age of  XXXX  and they needed to run a background check, per the lease agreement, which I have attached, all occupants over the age of  XXXX  and not marked a legal adult dependent due to  XXXX  must sign the lease or they can not occupy the apartment for more than  XXXX  consecutive days, etc.. I had NO income which was clearly marked on the application.      XXXX   XXXX   XXXX  I applaud you for assuring all your employees are trained and accredited. In addition, I applaud you for such designation, that is awesome, but we all know even the most highly trained and accredited personnel fail to abide by all laws and regulations. A s IQ Data Internatio  nal  has actually been sued a few times for illegal actions, where you guys decided to settle, so invalid point. However ; I do not have some divorce decree or private agreement between my ex-husband that is removing me from this debt. I have the contract side between my ex-husband, myself, and  XXXX   XXXX , which if you had reviewed you would see certain remarks I made on the contract. If it is to my understanding, all apartments have certain criteria to even be a resident, one is running a BACKGROUND check on ALL RESIDENTS over the age of  XXXX , which at the time I was. I CLEARLY marked on the application that I do not have any INCOME, which would disqualify me from being able to be responsible for a lease, as obviously I could not afford it. In reference to my complaint " took or threatened to take legal action and threats made against my credit, '' again, here is a flaw in your company that you do not have any documentation of these acti on ( s ), one o bvious action would be threats against my credit which have became actions, you are falsely placing a debt, multiple debts, I DO NOT OWN NOR HAVE RESPONSIBILITY FOR on my credit reports, negatively affecting my credit worthiness, reputation, and ability to provide housing for my  XXXX  kids and I. Correct, my account has been marked as disputed but do we honestly have to go over the  XXXX  tactics of the bureaus marking everything as disputed and verified by FCRA requirements? We both know better. Your client is very aware of their actions when it came to selling this debt to you. I have attached a copy of the lease for your review. Maybe you can contact your client for a list of their requirements when it comes to adult occupants and being able to obtain an apartment within their community ; honestly, if you are properly looking into all of these debts you would have their requirements on hand, which I am requesting a copy of as well. Now I am asking you to have this debt removed from all three of my credit bureaus, because I do not have a contract with you all, and the lease that I did sign, for purposes of running a background check to prove I was not a felon, did not bind me to a collection agency for failure to make payments. This debt belongs to my ex-husband,  XXXX   XXXX , who at the time held an income and was stationed in  XXXX   XXXX , Colorado. I appreciate your sincere care towards validity of debts.     I have requested the debt be removed from all three credit bureaus permanently and null and void. I do NOT own this debt. They have not removed this debt nor acknowledge the true ownership of this debt. I do not own a valid contract wi th IQ Data International, as a  co-signer on this application or debt. Please review the attached documents.

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