CFPB Complaint


Consumer Complaint Submission

Date Received: 2018-02-28T00:00:00

Product: Other debt

Issue: False statements or representation

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: At the beginning of XX/XX/XXXX, I sent all three credit bureaus a dispute letter for an apartment complex, The XXXX XXXX, that is reporting on my credit. The letter asked the bureaus to validate the debt through IQ Data International. Then I asked if they can’t send me physical proof of the validation from IQ Data International then to remove it from my credit report immediately. When I received a response back by letter from the three bureaus they write that the debt was validated for IQ Data International, but never sent me proof it was validated like I asked in my letter. This means IQ Data can’t validate the debt they are trying to collect on.

So, XX/XX/XXXX I sent a letter to all three bureaus giving them one more chance to have IQ Data International validate the debt by sending physical proof to me. The letter below is the letter I sent : XXXX, I am making a final good will attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete, and represent a very serious error in your reporting. Also be advised that this is my second time contacting your company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off. All in all, you have ignored my request to provide me with the documents that you have in your files that were used to verify the disputed accounts, which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to … promptly delete all information which can not be verified.

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This law is as clear as daylight, as to the civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
I demand the following accounts be verified or deleted immediately : Account name : XXXX XXXX XXXX.
Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 611.

Account name : IQ Data International.

Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 611.

I have attached the following to this detailed dispute!

The following landlord tenant acts have been violated. Below are the following : 33-1322. Disclosure and tender of written rental agreement : The Landlord has failed to identify the dwelling unit on initial contract. Therefore, it is void.

C. With respect to tenants who first occupy the premises or enter into a new written rental agreement after XX/XX/XXXX, upon move in a landlord shall furnish the tenant with a signed copy of the lease, a move-in form for specifying any existing damages to the dwelling unit and written notification to the tenant that the tenant XXXX be present at the move-out inspection. Upon request by the tenant, the landlord shall notify the tenant when the landlord ‘s move-out inspection will occur. If the tenant is being evicted for a material and irreparable breach and the landlord has reasonable cause to fear violence or intimidation on the part of the tenant, the landlord has no obligation to conduct a joint move-out inspection with the tenant.

If your company, XXXX, fails to comply with federal regulations by credit reporting agencies, you will be required to appear in a court venue local to me, in order to formally defend yourself. I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX XXXX. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. This is not legal advice. I do not offer legal advice. If you need legal advice seek yourself an attorney or counsel. Please be advised, the information I am about to share with you is for educational, informational and entertainment purposes only. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act By provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report IMMEDIATELY. It is my understanding that you will recheck these items with the creditor who posted them. Please send an updated copy of my report to the above address.

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Sincerely, XXXX XXXX After this letter was sent, I have not heard anything back and it has been two months.


State/Zip: AZ 850XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2828611

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