Consumer complaint received 2020-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I sent a complaint about IQ DATA INTERNATIONAL about a  debt they are falsely reporting on my credit reports across all three bureaus, and they replied as debt being " validated ''. However, their claim is completely false. The only thing they sent for validation is a statement from the alleged original debt, however, they are sending a statement from a different company. They claim this debt is from an apartment named " XXXX XXXX '', but they send me the paperwork from another source called " XXXX  '', which is a debt they already confirmed as PAID and requested to be deleted. Now they are using the paperwork on the other account in order to falsely " validate '' this debt. 

At this time I will inform you that if your offices continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX  ), this action might  constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 

If your offices fail to respond to this validation request within 15 days from the date of your receipt, with FACTUAL DOCUMENTATION all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.

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