CFPB Complaint


Consumer Complaint Submission

Date Received: 2018-06-08T00:00:00

Product: Other debt

Issue: Took or threatened to take negative or legal action

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: Contacted the company regarding apparent debt starting in XX/XX/2017. No contract with this business to collect a debt from me. I’ve reached out several times and asked this agency to validate the debt along with documentation from the original creditor that provided a signed agreemnt between the collection company ( IQ Data International ) and myself. The collection agency responded with a lease that didn’t state anywhere that this company is contracted with this collection agency. Whenever I called the collection agency to speak with a rep, the rep informed me they were in a contract with this apartment complex and they didn’t need my signature to report to my credit. The rep then transferred me to a supervisor, and he informed me that if I didn’t provide them with my banking information that day, he would note my account as refusal to pay which would cause a negative impact on my credit. It is against the law for a collection agency to threaten someone, and that is exactly what this company did. I would like this item to be deleted off my credit report in fairness of my rights with the laws and regulations of the FCRA.


State/Zip: TX 770XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2930065

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