T.S. Holdings

IQ DATA XXXX was assigned my case, debt collection .They kept harassing me for money calling my employer after i had told them to stop. they kept calling, i did paid IQ Data as arranged payment for payment arrangement. i made the XXXX and XXXX payment and then XXXX payment. the main Rental apartment i was with was XXXX XXXX XXXX XXXX i live thee for over XXXX years, i never failed to pay my rent and other fees. i left XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX charged me {$1900.00} and Assigned my case with IQ Data XXXX. i have been making arrange payment with IQ Data XXXX as debt collected for XXXX XXXX XXXXXXXX. Suddenly, i called IQ data XXXX and they later confirm, it was an Error, the case was assigned by mistake. I wasn't owing any amount to XXXX XXXX XXXXXXXX. i then demanded for my full refunds of all payment i made to IQ Data XXXX. they have not given me a good and favorable response, telling me to go get my money from XXXX.…

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I am filing a complaint against IQ Data XXXX regarding a collection account reported on my credit report for {$19000.00} from The XXXX XXXX XXXX XXXXXXXX. I previously disputed this account, and it was marked as verified, however I have not been provided adequate documentation proving the validity or accuracy of this debt. The original eviction case related to this account was dismissed, and I vacated the property with a new lease shortly after. I believe the balance may include improper or inflated charges after my move-out date. I am requesting : Full validation of this debt, including an itemized statement Proof of legal obligation for the full balance Documentation showing how the balance increased from {$16000.00} to {$19000.00} If the company can not provide sufficient documentation, I request that this account be removed from all credit reporting agencies immediately. This matter is impacting my credit and ability to obtain housing and financing.

We are submitting a second complaint due to the lies and illegal result of the first. FULL scenario included : FIRST COMPLAINT- Submitted XXXX : In XX/XX/XXXX, my husband and I formally disputed a rent charge with our apartment complex after multiple hazardous structural collapses occurred within our unit, causing minor injuries. These incidents were promptly reported to both onsite management and regional management. Despite repeated reports and follow-up communications, management failed to take appropriate corrective action or meaningfully respond to the safety concerns. Instead, the matter was repeatedly redirected to hourly staff who lacked the authority to investigate or remedy the structural hazards. Senior regional management also failed to address the issue despite direct communication. Management represented on multiple occasions that the conditions had been repaired ; however, additional collapses subsequently occurred, confirming that the hazards had not been remedied.…

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I never received anything but a bill from the company trying to collect. After reviewing the 3 online bureaus I wrote a letter stating that the date delinquent was incorrect, the amount was incorrect, I never received any details of the charges, I never received a payment plan, I asked the collector to provide this information and haven't heard from them. The collection agencies all sent the same computerized response that they looked into it and verified that it is accurate. This is a joint debt. The joint debtor sent the same information and got the same responses.

Today, XX/XX/year>, I was contacted by a company called XXXX XXXX International at XXXX PM. They contacted me stating that I owed them a debt that they had purchased, and that payment was due. I asked what the debt was in regard to, and they explained what the debt was and how much was owed. I explained that I could not pay that amount in full and asked if there was something else that could be done, as I did not have the funds. After explaining my situation more in depth to the first representative I spoke with, whose name I did not get, she explained that there was a hardship program and that she would take my information down for it. She took all of my information and asked about my taxes, i informed her i was not getting anything back this year. She the said she would transfer me to her supervisor. When I got on the phone with the supervisor, she was very rude.…

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Subject : Formal Dispute of Inaccurate Credit Reporting IQ Data International To Whom It May Concern, I am writing to formally dispute inaccurate and inconsistent information being reported on my credit file by IQ Data International across all XXXX major credit bureaus : XXXX XXXX XXXX XXXX After carefully reviewing my consumer reports, I have identified multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as well as non-compliance with XXXX XXXX reporting standards. Summary of Dispute The account in question is being reported inconsistently and inaccurately across the credit bureaus : - XXXX reports the account as an open account with no proper account classification, while simultaneously stating placed for collection in the comments section and providing no payment summary. - XXXX reports the same account as a collection account, but does not include any comments, payment history, or required descriptive details.…

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I'm XXXX XXXX, XXXX. XXXX XXXXXXXX XXXX in XXXX. I used to live in XXXX XXXX XXXX, XXXX till XX/XX/XXXX. In my case I had discussion with Apartment XXXX XXXXXXXX ( XXXX XXXX XXXX, XXXX ) and they agreed that I owe halfmonth rent charge rather than the full month i.e. {$1400.00} ( I have email as well of discussion ). But IQ international called me and asking full amount. I explained complete situation but they started threaten me on consequences if I don't pay full amount right now. I told them complete situation and the discussion I had with XXXX XXXX ( XXXX apartments ) with CEO of XXXX also in XXXX, but IQ international ( person named XXXX ) threatened me. Also I got first call in morning from IQ international - XXXX and I was in middle of meeting so I told them that I'll call them back. After few hours when I called again, XXXX said as in the morning you hung up the call, I started the process and now it will impact your credit.…

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I am submitting this complaint because a collection account for {$1000.00} is being reported by IQ Data XXXX in connection with XXXX XXXX TX, and I dispute that this debt belongs to me. The account was opened on XX/XX/year> and is also being reported as a joint obligation, which I dispute as inaccurate. I reviewed my credit report, found this collection account, and took action to dispute it. I requested that the account be investigated and that the companies verify that the debt is mine, that the balance is accurate, and that the joint designation is correct. I also requested deletion of the account if it could not be verified. The account continues to be reported even though I dispute both the ownership of the debt and the accuracy of the way it is being reported. I want the companies involved to conduct a proper investigation and provide competent documentation showing that I am legally responsible for this debt.…

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I am filing this complaint against XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX regarding a collection account they are reporting on my XXXX credit file. The claimed balance is {$9600.00}, the original creditor is listed as XXXX at XXXX XXXX TX, and the account shows a closed date of XX/XX/XXXX. The most recent balance update was XX/XX/XXXX - nearly XXXX year after closure. I have disputed this account XXXX times. Twice in XX/XX/XXXX, a third time in XX/XX/XXXX and again on XX/XX/XXXX. These disputes are documented in my XXXX XXXX dispute history with the following case numbers : Dispute XXXX resolved XX/XX/XXXX ; Dispute XXXX resolved XX/XX/XXXX ; and Dispute XXXX resolved XX/XX/XXXX and Dispute XXXX which was submitted on XX/XX/XXXX and is currently in review. To date, I have not received the " G-Notice ' or initial written notice required under XXXX XXXX. XXXX, which must be sent within XXXX days of initial communication.…

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I am submitting this complaint regarding an improperly reported and disputed rental debt associated with a prior tenancy at XXXX XXXX XXXX # XXXX. I vacated the unit on XX/XX/XXXX and provided written notice on XX/XX/XXXX. Despite this, the account reflects an incorrect move-out date of XX/XX/XXXX, which resulted in improper charges including XXXX rent, late fees, and an early termination fee. Prior to and after move-out, I made multiple written attempts to dispute these charges and requested a corrected final account statement, as well as an itemized accounting of my security deposit. Although a response was eventually provided, the information was inaccurate and failed to correct the disputed issues. Additionally, I did not receive a proper itemized accounting of my security deposit within 30 days of vacating the property as required under XXXX law. I only became aware of the alleged balance after being contacted regarding collections in XX/XX/XXXX.…

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On XX/XX/XXXX, I talked to IQDATA, and I paid XXXX, and I told them I would pay another XXXX on XX/XX/XXXX. Due to unexpected circumstances, I called and let them know I need to cancel that payment set for XXXX. I was then threatened, and told that they know where I work, and live and they would get me.

In response to a letter received and after gaining the ability to pay on this debt, I called IQ Data Int ' l to see what my options were on XX/XX/XXXX. I spoke with XXXX, who advised me that I could pay a settlement amount of up to 30 % of the debt or a greater amount to " Pay for Delete ''. I asked what the amount would be to " Pay for Delete '' and, after conferring with someone, XXXX quoted me {$6200.00} to pay for delete. I agreed to pay this amount, but there were transaction limits on my card so it was necessary to make arrangements to spread the payment out. {$3900.00} was paid on XX/XX/XXXX ; I asked for an arrangement to pay {$1400.00} on XX/XX/XXXX and the balance ( {$910.00} ) on XX/XX/XXXX. We agreed and ended the call. On the morning of XX/XX/XXXX, I received a notice from my bank that a {$1400.00} payment had been declined- I did not agree to make another payment until XX/XX/XXXX and it was to be for {$910.00}.…

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I respectfully request that the Consumer Financial Protection Bureau investigate a matter involving a debt collection company called IQ Data International. This company is reporting a collection account to all of the credit bureaus under both my name and my fathers name for an alleged apartment debt that we do not owe. The company contacted my father unexpectedly and demanded his credit card information and payment for this supposed debt. When he told them he did not recognize the debt and requested a verification letter, they refused to provide one. During the call, the representatives were aggressive, made threats toward us, and eventually hung up after a prolonged and hostile conversation. This behavior was extremely concerning. Despite their refusal, my father sent a certified letter requesting written verification of the alleged debt. To date, we have not received any proper documentation proving that this debt is valid.…

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I respectfully request that the Consumer Financial Protection Bureau investigate this matter and ensure that this company IQ Data International ceases all reporting to the all of the credit bureaus negative lies and false statements of some debt in both my name and my sons name. This crazy company immediately should remove the fake collection accounts from my son and I reports. We dont owe that apartment anything that they brought up. This scam collection agency called me out of nowhere demanding my credit card numbers and money. I told them I didnt know what they were talking about and to send me a verification letter. They said no they wouldnt do that. They threatened me and my son. This whole thing is an attempt to discredit and steal. I sent them a certified letter anyway demanding proof. Please do right thing and remove iq data XXXX false debts from every credit bureau in my sons name and mine. They are violating so many rights.…

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Date : XX/XX/XXXX Subject : Formal Dispute of Inaccurate Collection Account To Whom It May Concern, I am writing to formally dispute an inaccurate collection account that appears on my credit report. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX. Account Number : Not Provided Amount Reported : {$5200.00} This debt is being reported as a valid rental balance ; however, the charges are inaccurate and resulted from circumstances beyond my control. While I was renting the apartment, the property management began major construction and drywall work inside my unit while my children and I were still living there. The excessive construction noise, dust, and unsafe living conditions made the unit uninhabitable. I requested temporary relocation accommodations while repairs were being completed, but management refused to provide any alternative housing.…

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I received a debt collection notice from XXXX XXXX XXXX XXXX XXXX for an outstanding balance owed in the amount of {$1900.00} to the forwarding address provided. I had until XX/XX/year> to write to them to dispute this debt. I sent a certified letter on XX/XX/year> which was confirmed received on XX/XX/year> requesting a complete itemized statement of charges, documentation showing timely and proper notice was sent and received in accordance to the Florida law, and proof of the landlords legal right to collect the alleged balance. I never received any response and they continue to put the debt on my credit report. I attempted to call them on multiple occasions where they told me that they did not have to provide me with that information. I had no problem receiving the initial collection notice and they stated they replied but I never received any documents of such reply to my letter sent on XX/XX/year>.…

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I am disputing this debt because I am not legally responsible for the charges being reported. I properly vacated the apartment and provided notice to the leasing office. However, I no longer have access to the email used at that time. The apartment complex is incorrectly claiming I did not provide notice and is charging me fees that are not valid. Additionally, the collection agency ( IQ Data XXXX ) has refused to provide any documentation or itemized validation of the charges when requested. They stated they are unable to send any validation due to the age/statute of the account, yet they continue to report this debt on my credit. This is a violation of my rights under the FDCPA and FCRA, as a debt must be verifiable and accurate in order to be reported and collected. I am requesting that this account be investigated and removed from my credit report if it can not be properly validated.

I am submitting this complaint because multiple debt collection agencies appear to be engaging in a pattern of unlawful debt collection practices and inaccurate credit reporting in violation of the FDCPA and FCRA. After I formally disputed the alleged debts and requested validation under 15 U.S.C. 1692g, the companies failed to provide legally sufficient documentation proving I have any contractual or legal obligation, including a signed agreement, full chain of title, bill of sale or assignment, complete account balance, and proof of their authority to collect. Despite this, they continue collection efforts and/or report information to credit bureaus without verifying its accuracy. This conduct may constitute willful noncompliance with federal law, including violations of the FDCPA ( 15 U.S.C. 1692g, 1692e, 1692f, 1692c ) and the FCRA ( 15 U.S.C. 1681s-2, 1681e ( b ), 1681i ).…

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I am filing this complaint regarding Experians continued reporting of an account from IQ Data International that is inaccurate and not properly verified. I disputed this account and Experian responded that it was verified and would remain on my credit file. Following this, I submitted two separate Method of Verification requests via certified mail pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), requesting specific details regarding how the account was verified, including the parties contacted, the method used, and the documents reviewed. XXXX failed to provide any of the required information and instead issued generic responses stating the account would remain continued. This does not meet the requirements of the Fair Credit Reporting Act. Additionally, the documentation provided by the collection agency is inconsistent, incomplete, and inaccurate.…

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Thank you for addressing some of the accounts that incorrectly appeared on my credit report. However, please take note that I continue to unequivocally dispute the remaining items that have yet to be deleted. These accounts are inaccurate and incomplete. They are having a MAJOR NEGATIVE IMPACT on me being able obtain credit right now and that is not acceptable. As provided for under the Fair Credit Reporting Act ( " FCRA '' ), consider this letter my request that you reinvestigate the following accounts and delete them from my credit report. IQ DATA XXXX 15 U.S. Code 1637 ( 2 ) 9A, 15 U.S. Code 1681, 15 U.S. Code 1681s-2 ( ax3 ), 15 U.S. Code 1681e ( b ) This is a third party debt collector. I did not business with this company. They repeated keep reporting this debt on my credit report and have never sent an itemized list of the debt. This is in violation of FCRA

In 2022 I was evicted from an apartment, even though fees were paid which I have cancelled checks. When I attempted to explain that to the C.A. ( Collection Agent ) they dismissed my claim without research. IQ Data International refused for three years to send any documentation to validate the claim. Failed to provide 1099 form or how my account was obtained or transferred. Fair resolution remove from credit report being I have not signed a contract with the company or given them permission to provide any agency with my personal data.

IQ DATA INTERNATIONAL Account Number XX/XX/XXXXXXXX {$280.00} Please help ive tried to resolve this inaccuracy with no luck an at this point i am stressed out because this company is violating my rights Under 15 U.S.C. XXXX XXXX ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law.

I am disputing a collection account reported by XXXX XXXX XXXX related to a rental apartment. During my tenancy, all rent payments were made. totaling over {$3000.00} ( for XXXX apartments in XXXX of 2025 ), along with a {$500.00} security deposit. These payments were made from my husband 's bank account, and I have full documentation confirming these transactions. After moving out I repeatedly requested a final itemized move-out statement from the apartment management to understand if any balance remained. I was told it would be sent " tomorrow '', but I never received any documentation despite multiple attempts to follow up. Without providing any itemized statement or explanation, the alleged balance was sent to collections by IQ Data International. This debt is inaccurate and remains unverified. The property management failed to respond to my request and did not provide required documentation. No calculation or breakdown go the charges has ever been given.…

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I am disputing a collection account reported by IQ Data International in the amount of {$1500.00} related to a former apartment lease. This account is inaccurate and appears to be based on inconsistent and unverifiable information. My lease ended on XX/XX/year>, and I vacated the unit and returned possession on that date. However, the account is being reported with a different move out timeline, including a XX/XX/year> date, which does not align with my lease or actual move out. The property previously demonstrated inaccurate record keeping when it initially recorded an incorrect move in date and attempted to charge me prorated rent based on that error. Although this issue was later corrected, it establishes a pattern of inconsistent record keeping. Additionally, the property acknowledged that my move out date needed to be corrected and stated that a revised move out statement would be issued.…

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I am filing this complaint regarding a collection account reported by IQ Data International on my credit file. I formally disputed this account and requested documentation supporting the reported balance, including a complete lease agreement, itemized move-out statement, and invoices or receipts for any alleged repair or damage charges. In response, the furnisher provided only : A partial lease agreement An internal ledger/spreadsheet summarizing charges No invoices, repair receipts, work orders, or itemized documentation supporting the alleged damages have ever been provided. This same documentation was previously used in prior disputes and has been reproduced again without any additional supporting evidence. Despite this, XXXX verified the account as accurate. This indicates that a reasonable reinvestigation was not conducted as required under the Fair Credit Reporting Act. This account is reported as a joint obligation.…

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I am filing this complaint regarding a collection account reported by IQ Data XXXX for an alleged balance originating from a former residential lease. I formally disputed this account directly with IQ Data XXXX via certified mail, which was received on XX/XX/year>. In my dispute, I specifically requested competent documentation supporting the balance being reported, including a complete lease agreement, itemized move-out statement, and invoices or receipts for any alleged repair or damage charges. In response, IQ Data XXXX provided only : A partial lease ( first page and signature page ) An internal ledger/spreadsheet containing summarized charges No invoices, repair receipts, work orders, or itemized documentation supporting the alleged damages This documentation is identical in substance to what was previously provided to me approximately two years ago when I first disputed the account. No additional supporting evidence has been produced despite multiple requests.…

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I am filing this complaint against IQ Data International regarding the inaccurate and inconsistent reporting of a collection account on my credit file. This account is currently being reported across multiple credit bureaus with conflicting and inconsistent information. Specifically : * The account status is reported as Open with XXXX, while XXXX and XXXX report it as Closed * The dispute status is inconsistent across the bureaus * The dates of last activity and verification are not consistent These discrepancies indicate that the information being reported is unreliable and not properly verified. Additionally, I do not recall authorizing or entering into any agreement with IQ Data International, and no competent evidence has been provided to establish my liability for this account. As a third-party collection agency, IQ Data International must be able to provide full validation of the alleged debt, including : 1. A signed contract or agreement with the original creditor 2.…

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XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/2026 IQ Data International Inc. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. RE : FINAL NOTICE - FAILURE TO VALIDATE DEBT | VIOLATIONS OF THE FDCPA & FCRA To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account. Despite my lawful demand made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt. Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation. Your failure to provide the following constitutes noncompliance : 1. A copy of the original signed contract or agreement bearing my signature ; 2.…

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A phone call was recieved at XXXX on Tuesday XX/XX/XXXX. The person on the other line was named XXXX. He was incredibly unprofessional, verbally abusive, rude, and made several comments towards me and my husband over the line. He was in attempt to collect over XXXX XXXX dollars over the line and we stated multiple times we did not feel comfortable giving card information over the line. He continued to state that we were running away from the phone call and it only took XXXX seconds to transfer money. After asking him to please stop being rude he stated he was not in customer service and didnt need to be polite. After serveral attempts of redirection, I had to hang up. He asked multiple times for transferring of XXXX XXXX dollars over the line. He stated that line was being recorded and I hope this can be reviewed and the individual on the other line never talks to someone like this again.

I am submitting this complaint regarding a collection account reported by IQ Data International. I disputed the alleged debt in writing and requested validation, but the company failed to provide any documentation. On XX/XX/year>, I mailed a written dispute and request for debt validation via certified mail to IQ Data International. According to XXXX tracking and the returned certified mail receipt, the letter was delivered on XX/XX/year>. The letter requested validation of the alleged debt and documentation supporting the balance being reported. The company did not provide any response or validation within the required XXXX period. After receiving no response, I mailed a second written notice on XX/XX/year>, again via certified mail, notifying the company that they had failed to provide validation and that the account remained disputed.…

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This complaint is filed as a formal escalation of CFPB Case Number XXXX. IQ Data XXXX responded to the original complaint on XX/XX/XXXX. That response was inadequate, evasive, and contained verifiable compliance failures. The consumer now submits the original lease agreement as documentary evidence, which directly contradicts the balance reported and the interest charges claimed by IQ Data XXXX. The lease agreement, executed between XXXX XXXX and XXXX XXXX XXXX XXXX for the premises at XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, Texas XXXX, for the term XX/XX/XXXX through XX/XX/XXXX, establishes the controlling terms of this debt. IQ Data 's reported balance and claimed interest charges are not authorized by this agreement. II. VIOLATIONS IDENTIFIED WITH LEASE EVIDENCE Violation Statute Evidence Relief Sought FDCPA 1692f ( 1 ) Collecting interest not authorized by original agreement Lease contains NO interest clause. IQ Data admitted in writing that account accrues interest.…

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