Consumer complaint received 2016-01-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

I have been attempting to dispute an account for XXXX XXXX Apartments with all XXXX credit bureaus for some time now. I do not owe them money therefore I decided to dispute the account with all XXXX credit bureaus. Recently, the credit bureaus sent me investigation results stating that the account would remain on my credit report. Because of this, I decided to contact IQ Data International which is the collection agency that is trying to collect this debt and placing it on my report. 

At first I was speaking with a debt collector asking for itemization of the debt but she kept refusing to provide it and kept telling me things that I knew were n't truthful. Because I was having a hard time trying to reason with the collection agency and I had already disputed the account with the bureaus and that got me nowhere, I decided to ask for professional help. I hired an individual named XXXX XXXX and had him call the agency with my permission so as to get this resolved. 

When XXXX called them on the XXXX of XXXX, he too had problems with the collectors so he went straight to management. After speaking with the manager in my presence, the manager refused to provide him with an itemization. She stated that because her agency was not " actively collecting the debt '' that they would n't provide me with XXXX. XXXX XXXX informed her that because they were credit reporting the account as an unpaid collection that they were in fact actively collecting the debt. She refused to believe or acknowledge that but it is a fact as I 've checked myself. The case law below proves it. 

XXXX XXXX, Plaintiff, vs. XXXX, an Arizona XXXX, and XXXX, an Individual, Defendants. 
No. XXXX XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA XXXX XXXX XXXX. XXXX XXXX To make my complaint as simple and concise as I can make it, I am disputing an account that I do not owe. The credit bureaus claimed the debt has been verified by IQ Data International. I call IQ Data International to obtain their verification and validation of debt trough an itemization. IQ data claims they do n't have it and could n't provide one anyways since they are not " actively collecting the debt. '' However, they are still credit reporting that I owe this debt. Besides the fact that they either ca n't or refuse to validate the debt to me, they are in violation of the F.D.C.P.A. because they provided the credit bureaus with false information by stating it 's a valid debt when they clearly ca n't validate it. Because they also lied to me by stating they are not actively collecting the debt when they clearly are by credit reporting it, they are in violation of the F.D.C.P.A. and F.C.R.A. for making false claims to me while attempting to collect a debt. They are also being malicious as they are not giving me an opportunity to review the account for the smallest possibility that this debt might be owed legitimately therefore I could pay it and take care of it. 

At this point if nothing gets done I will be forced to sue IQ data international. I am hoping that you can see my dilemma and are able to assist me in getting this collection agency to do their job properly and follow the laws of collecting that require them to prove the legitimacy of a debt. Thank you.