IQ Data International on Your Credit Report? Fight Back and Win

Have you received calls from IQ Data International and don't know why? It could be for legitimate reasons, or it might be due to false information on your credit report. 

According to online reviews, this happens all the time. With that said, if you're ready to remove IQ Data International from your credit report, our FCRA attorneys are here to help. Contact us today for your free case review. 

Learn more about IQ Data and what you can do to put an end to their calls.

Is IQ Data International Legit?

They are not a scam. They’re a legit debt collection agency that’s been in operation since 1979. They are licensed to collect debt across the U.S. However, when dealing with them, it’s essential to understand your rights. That’s because their legitimacy doesn’t always guarantee ethical or lawful debt collection practices. 

If you believe you’ve been treated unfairly by IQ Data International or if they are trying to collect an illegitimate debt, legal counsel may be necessary in order to protect yourself from any potential harassment or illegal activities.

How Can I Contact IQ Data International?

Moving out of a rental property and questioning a charge on your account with IQ Data International? It's important to check your credit report and reach out to them directly. You can find their phone number, website, and mailing address below:

• Phone Number: (866) 400-8679
• Website: www.IQData-inc.com
• Mailing Address: P.O. Box 340, Bothell, WA 98041-0340

No matter why you need to contact IQ Data International, make sure to document all conversations. If you're feeling uneasy talking to debt collectors or just want someone else to handle the situation, our attorneys are here for you. 

Our team can dispute any incorrect information, negotiate favorable debt settlement agreements, and defend your rights-- so don't hesitate to give us a call today.

Why is IQ Data International Calling Me?

Receiving a call from this debt collector can be intimidating and concerning, but it does not necessarily mean that you owe an outstanding debt. There are several potential explanations for the call, including:

• Collection of a past due debt from any number of sources (credit card, rent, mortgage, medical bill, utility bill)

• Errors or inaccuracies on your credit report (mistake in reporting or identity theft)

• Potential involvement in a scam

• An account entering collections without your knowledge

When contacted by IQ Data International, remain calm and ask questions to gain more information about the status of the debt. 

If you are unsure or uncomfortable taking action yourself, seek legal advice to ensure your rights are protected, and any mistakes are properly addressed. In this way, you can ensure that misunderstandings and errors do not have severe consequences down the line.

Will They Accept a Pay-For-Delete? 

Pay-for-delete is a common practice whereby debtors and collectors agree to remove negative information from a credit report in exchange for payment. Though IQ Data International does not confirm if they will accept pay-for-delete arrangements, it's worth asking them and ensuring any agreement is in writing before making any payments.

Remember that merely paying off the debt won't guarantee the removal of negative information from your credit report; you must get verbal or written confirmation that they will do so in exchange for payment.

If they agree to a pay-for-delete arrangement, document all communications and payments carefully. Furthermore, seek advice from an expert, such as a credit repair specialist or FCRA attorney, prior to agreeing on settlement terms.

What is The Lawsuit Against IQ Data International?

IQ Data International has faced a number of lawsuits throughout the years, some of which have claimed the company violated various federal laws, such as the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA).

For instance, in 2020, the Consumer Financial Protection Bureau (CFPB) sued both IQ Data International and RentCollect Global for allegedly violating FDCPA regulations by making false statements to consumers and trying to threaten them with legal action. It was also said that they violated FCRA by providing incorrect information to credit reporting agencies and neglecting to investigate disputes properly.

In the end, they settled out of court – agreeing to pay a total of 85,000 USD in civil penalties and take corrective steps toward upholding federal laws.

How Can I Remove IQ Data International From My Credit Report? 

If you're looking to remove this debt collector or any other from your credit report, then you have a few options:

• Dispute any errors or inaccuracies in your credit report with the credit bureau 

This can be done online or by mail, and the credit bureau is obliged to investigate within 30 days.

• Negotiate a debt settlement agreement with IQ Data International.

• Avoid paying off a legitimate debt if it may end up damaging your credit score more than it helps

Although this choice should only be taken after consulting an experienced debt counselor or attorney.

Ultimately, no matter which route you decide to take, it's important to consider all factors involved, as well as consult qualified counsel before making any decisions.

What Should I Do If There Are Credit Reporting Errors?

Credit report errors can have severe consequences, so it's important to take action if you believe IQ Data International has reported inaccurate information to the credit bureaus. Start by obtaining copies of your credit report from all three bureaus (Equifax, Experian, and TransUnion) and reviewing it for any related entries.

If you find any mistakes or inaccuracies, dispute them directly with the credit bureau(s) in question. The Consumer Financial Protection Bureau provides helpful guidance on disputing errors on its website. It may also be beneficial to reach out to a credit repair specialist or FCRA attorney for assistance in handling your dispute correctly and effectively.

Contact Us Today to Speak With An FCRA Attorney

If you're dealing with IQ Data International or any other debt collector, it's important to understand your rights and take appropriate measures to protect yourself from potential harassment or illegal actions.

At Fair Credit, we specialize in helping consumers fight back against unfair and unlawful debt collection practices and credit reporting errors. Contact us today for a free case review and learn more about your legal options.