I.Q. Data International, Inc. Debt Collection Complaint

I.Q. Data International, Inc. Debt collection department,

Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine Nebraska

I am attempting to obtain a mortgage loan, and noted in my credit report an item from IQ Data International ( IQDI ), a debt collection agency in -, WA. Because I was unfamiliar with this item, I contacted IQDI, and was informed that the account listed on my credit report ( - ) was not my account, and instead belongs to a - - ( a name which is very similar to my own ). Because time is of the essence, I requested that IQ Data International provide the credit bureau documentation stating that I do not owe this debt, so that the item could be cleared from my credit report. I was told that they were unwilling to provide such documentation because the mistake was made by the credit bureau, and not IQDI. In addition, the person that I spoke with was E-TREMELY discourteous - bordering on nasty. When I then contacted -, I was informed that the mistake was in fact made by IQDI, and that my only recourse was to dispute the items and wait for IQDI to respond, which could take up to 30 days. I was hesitant to file a dispute, as my lender informed me that this was viewed negatively, and further, waiting 30 days could delay closing on a mortgage and jeopardize my ability to complete the purchase of a home. IQDI should be accountable for fixing mistakes, particularly when they admit that their own internal records show that they reported incorrect information to the credit bureau, and they should be accountable for providing documentation of a reporting error when such documentation is requested by a consumer.