Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: NJ

Complaint narrative:
Dear XXXX, I am writing to formally lodge a complaint against IQ Data International , a debt collection agency with which I have been attempting to resolve a debt. Despite my consistent efforts, including a formal Pay for Delete request, IQ Data has not responded adequately or acted in accordance with fair debt collection practices. This situation mirrors broader issues raised in the XXXXSingh et al. v. IQ Data InternationaXXXX lawsuit, which highlights serious consumer protection concerns regarding IQ Data 's behavior. 

XXXX XXXX : ** - **Account Number : ** XXXX - **Original Creditor : ** XXXX XXXX - **Collection Agency : ** IQ Data International - XXXXAmount of Debt : ** {$2700.00} **Details of Dispute : ** On XX/XX/XXXX, I sent a Pay for Delete letter to IQ Data, offering to settle the debt in exchange for the removal of the negative entry from my credit report. I clearly stated the terms of the agreement and sent the letter via certified mail. However, despite providing the necessary information and waiting for a response, IQ Data has failed to respond to my request or provide any updates regarding the status of the account. 

Additionally, I would like to highlight that the original creditor, XXXX XXXX, was illegally collecting rent during the lease period. This is because they failed to obtain a legally required certificate of occupancy for the property. This violation not only renders their collection practices questionable but also undermines the legitimacy of the debt itself. 

This lack of response and unresolved dispute has caused continued damage to my credit score, making it difficult to improve my financial standing or resolve the matter amicably. 

**Problems Cited in the *Singh v. IQ Data International* Lawsuit : ** The issues I have experienced are consistent with the allegations in the *Singh et al. v. IQ Data International* lawsuit, which was filed in Washington State in XXXX. In that case, plaintiffs raised several key concerns regarding IQ Data 's practices, including : 1. **Failure to Respond to Consumer Requests : ** Just as I have struggled to receive any acknowledgment of my Pay for Delete request, the plaintiffs in the Singh case alleged that IQ Data ignored their attempts to resolve debt disputes or settle debts in exchange for the removal of negative credit marks. This lack of response violates the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to be responsive and transparent.

2. **Inaccurate Credit Reporting : ** The plaintiffs also accused IQ Data of failing to accurately report debts to credit bureaus, leading to unjust damage to their credit scores. Similarly, despite my attempts to settle the matter, the negative entry remains on my credit report, negatively affecting my financial well-being. This suggests that IQ Data may not be complying with the Fair Credit Reporting Act ( FCRA ), which mandates that debt collectors ensure the accuracy of any information reported to credit bureaus.

3. **Unfair Debt Collection Practices : ** IQ Data was also accused of using unfair or deceptive tactics to collect debts, including harassing consumers and making it difficult for them to dispute or resolve their debts. I have faced similar difficulties in communicating with the agency and getting a fair resolution to my situation.

**Request for Resolution : ** I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate the actions of IQ Data in my case and ensure that they are complying with the FDCPA and the FCRA . Specifically, I request the following actions : 1. Respond to my Pay for Delete offer and confirm whether they are willing to honor the agreement.

2. Remove the collection entry from my credit report, as agreed upon in the proposed settlement.

3. Provide written acknowledgment of the settlement and confirmation that the debt has been resolved.

**Documentation Attached : ** - Copy of the Pay for Delete letter sent to IQ Data.

- Certified mail receipt showing delivery of the letter to IQ Data.

- Credit report showing the disputed collection entry.

The issues I am facing are part of a broader pattern of non-compliance and unfair debt collection practices alleged in the *Singh et al. v. IQ Data International* case. I hope that by filing this complaint, the CFPB can help ensure that IQ Data upholds the rights of consumers and abides by the relevant laws protecting us from unfair debt collection tactics.

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this dispute. 

Sincerely, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation