FDCPA Lawsuit: I.Q. Data International Failed to Specify Consumer’s Creditor

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I.Q. Data International, Inc. is on the receiving end of a proposed class action alleging the defendant violated the Fair Debt Collection Practices Act (FDCPA) by failing to clearly identify a consumer’s creditor. The plaintiff in the case says he received a letter from the debt collector indicating that his “Original Creditor” was “GRANITE BAY APTS (AZ),” but neglecting to specify his “current creditor” or “creditor to whom the debt is owed.” Instead, the letter allegedly instructed the plaintiff to send payments to the defendant. The suit argues that the letter was subject to more than one interpretation – that the defendant was the current creditor or that the creditor was a different, unidentified entity – rendering the letter misleading under the FDCPA.