Consumer complaint received 2017-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: I.Q. DATA INTERNATIONAL, INC.

Complaint:
I do not have a contract  with IQ. DATA INTERNATIONAL .I am not liable for co llection this debt fro m IQ DATA INTERNATIONAL. I am not respo nsible for this debt.     Desired Outcome : Correction to a credit report DELETE FROM CREDIT REPORT. they can not sell the debt to another agency, they will not disclose the information to any third party, they agree to delete from all   XXXX   credit bureaus, they agree to not post it as a settled account, and that the payment is accepted as payment in full.     As previously pointed out to you,  XXXX   XXXX   XXXX ,  XXXX    XXXX     XXXX  , defines  Verification as,   Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.     What this means is that your company must be willing and able to produce a document that proves the accou nt ( s ) in  dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must hav  e 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury.
Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within10 days.
A copy of this letter as well as copies of the   XXXX   previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Consumer Financial Protection Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. The law is very clear as to the civil liability and the remedy available   to m e ( Section 616 & 617 ) if you fail to comply with Federal Law.  I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.   In order to avoid legal action I demand that you delete all of the unverified accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted.

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