Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC
State: SC

Complaint narrative:
When I reviewed my credit reports, I discovered a collection account being reported by Allied Interstate under the reference number XXXXXXXX XXXX XXXX XXXX XXXX This account was listed as a derogatory collection/charge-off with a past-due amount of {$740.00}. I was shocked and confused because I have never received any notice, statement, letter, or validation from Allied Interstate regarding any debt connected to that number. I had never seen that account before, and I had never received anything from the company that would allow me to understand, dispute, or verify the debt. This was the first time I became aware that Allied Interstate was reporting anything related to me. 

From the moment I noticed this entry, it became clear that something was seriously wrong. Not only was I unaware of any relationship with Allied Interstate, but the company also failed to follow the basic legal requirements for debt collection under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). As far as I am able to determine, this account did not go through the proper validation or notification process before it was added to my credit file, and I was never given any opportunity to respond, investigate, or challenge whatever information they claim to have. 

XXXX. How I Discovered the Account I discovered this Allied Interstate account during a routine credit review when I was checking my credit reports in preparation for future financial planning. I monitor my credit regularly, and this entry appeared unexpectedly and without warning. It was listed as a collection with a past-due balance that I could not match with any loan, bill, creditor, or financial obligation I had ever taken on. 

There was no prior communication from any original creditor, no validation letter from Allied Interstate, and no explanation for how this amount was calculated or why they believed I owed it. The sudden appearance of this collection account on my credit report raised immediate concerns about accuracy, fairness, and legal compliance. 

XXXX. No Prior Notice or Validation Letter Under FDCPA 809 ( b ), debt collectors must send consumers a written debt-validation notice within five days of their first communication. This notice must include : The amount of the debt The name of the original creditor A statement of the consumers right to dispute the debt A statement that validation will be provided upon request I never received any such validation notice from Allied Interstate. In fact, I received zero communication at all before they reported the account to the credit bureaus. I never got an initial letter, a phone call, an email, or a mailed statement. Nothing. 

This failure to notify me is itself a direct violation of the FDCPA, because the company did not give me a reasonable opportunity to dispute the debt before reporting it. I was denied the chance to request proof or clarification. Instead, the company reported derogatory information about me without any of the legally required steps. 

XXXX. Inability to Identify the Debt Because Allied Interstate has never communicated with me, I have no idea : Who the original creditor is When this alleged account was opened Whether this debt was sold Whether it was transferred to them How they calculated the {$740.00} balance Why I was never informed of any delinquency There is no information about the origins of the debt, no indication of its age, and no documentation to confirm whether it was legally assigned or sold to Allied Interstate. 

I can not match this alleged debt with anything from my financial records. Without validation or documentation, I have no way to confirm that this account belongs to me, or that I even have a connection to it. 

XXXX. Disputes Submitted to the Credit Bureaus Once I discovered this collection account, I immediately filed disputes with Experian, Equifax, and TransUnion. I explained that : I had no knowledge of the account I had never received any communication from Allied Interstate I had never received validation or documentation The account was potentially inaccurate, unverified, or fraudulent I requested that each bureau conduct a full reinvestigation under FCRA 611 ( a ) and provide me with a Method of Verification explaining how they verified the account with Allied Interstate. I specifically asked for : What documents were reviewed Who they spoke with How the verification was conducted Whether original documentation was provided Whether Allied Interstate produced proof of my liability Despite my detailed disputes, the credit bureaus responded with generic form letters stating that the account had been verified, yet none of them provided actual proof or any copies of documentation used to verify the debt. 

XXXX. Lack of Evidence Presented by Allied Interstate To this day, both Allied Interstate and the credit bureaus have failed to provide any documentation demonstrating that : I opened the account I incurred this debt Allied Interstate has legal authority to report it The balance is accurate The account is within the statute of limitations The debt was ever validated This lack of documentation demonstrates a clear failure to comply with federal reporting and collection standards. If Allied Interstate can not provide original evidence or a chain of assignment, then they can not legally report the debt. 

XXXX. Reporting Unverified Information Violates Federal Law Because the debt has not been verified, reporting it to the bureaus violates : FCRA 602A Accuracy and fairness FCRA 607 ( b ) Duty to follow reasonable procedures FCRA 611 ( a ) Reinvestigation requirements FCRA 623 ( a ) ( 1 ) ( A ) Prohibits reporting information known to be inaccurate FCRA 623 ( a ) ( 3 ) Furnishers must mark disputed information Under the FDCPA : 807 prohibits false representation of a debt 809 ( b ) prohibits collection or reporting without validation 805 prohibits improper communication 813 provides civil liability for violations Allied Interstate has essentially reported information without proof and without notice, which is precisely what the FCRA and FDCPA were designed to prevent. 

XXXX. Negative Impact on My Credit and Financial Standing Because this is a collection account, it significantly lowered my credit score. This has already affected my : Borrowing ability Interest rates Insurance pricing Housing opportunities Overall financial credibility A collection account, especially one that is inaccurate or unverifiable, can set back a consumer for years. I have invested significant time and effort trying to correct this issue, yet Allied Interstate has made no effort to cooperate or respond appropriately. 

XXXX. Emotional Stress and Harmful Consequences Having an unexpected collection appear on my credit report caused : Stress XXXX  Confusion Loss of trust in the system Fear of identity theft Uncertainty about what information in my credit file is accurate The frustration of disputing the same inaccurate information repeatedly with no legitimate response is emotionally draining and deeply discouraging. 

I have acted in good faith through every step of this process, but consumers can not defend themselves against debt XXXX who refuse to provide proof. 

XXXX. The Data FurnisherCredit Bureau Loop It is clear that the bureaus simply accepted Allied Interstates automated, unverified response through systems like e-OSCAR. This is not a legitimate reinvestigation. Its merely : Automated data transfer Coded responses No documentation exchanged No human review No actual validation Federal courts have repeatedly held that this kind of verification process is inadequate and violates the FCRA. 

XXXX. My Fair Request Is Simple What I want is reasonable, lawful, and based on my rights : Either Allied Interstate proves the debt with original documentation OR The account must be deleted from all credit reports immediately. 

I am not refusing to pay a legitimate debt. I am asking for : Proof Transparency Accuracy Fairness Which federal law entitles me to.

11. I Have Never Been Given a Chance to Resolve the Debt If this debt were legitimate ( which has not been proven ), I still should have received : Notice of delinquency Validation letter Opportunity to dispute Offer to arrange payment Yet I received none of these. 

This entire situation bypassed my rights under the FDCPA and FCRA before showing up on my credit report as a derogatory collection item. 

XXXX. Continuing to Report Without Proof Is Harmful and Unlawful Every day this account remains on my credit report is another day of : Damage to my credit Damage to my reputation Denial of opportunities Increased financial burden Allied Interstate must either validate the debt or remove it. There is no legal middle ground. 

XXXX. My Expected Resolution I expect Allied Interstate and the credit bureaus to follow the law. 

A fair outcome includes : Complete deletion of the account unless proof exists Written confirmation of the investigation Copies of all documentation used Updated credit reports Assurance that the account will not reappear Correction letters sent to prior report recipients This is not an unreasonable or burdensome request. It is the minimum required to comply with federal law. 

XXXX. Closing Statement I have done everything required of me as a consumer : Checked my credit Filed disputes Requested verification Asked for documentation Provided necessary identification Waited for responses Allied Interstate has done none of what the law requires of them. 

The account is unverified, unvalidated, and unfairly harming me. 
A fair resolution is simple : prove it or remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation