Assurant Recovery Solutions on Your Credit Report: What to Know

Assurant Recovery Solutions is one of three names used by IQ Data International, Inc., a Bothell, Washington debt collection agency that focuses exclusively on former tenant debt from multi-family apartment communities. The other names are IQ Data International and RentCollect Global. All three represent the same company at the same address.

IQ Data settled two class actions for a combined $5 million over autodialer violations and improper interest charges added to former tenant accounts.

This guide covers the naming structure, the class action record, specific complaint patterns, your rights, and how to handle an apartment debt from this agency.

Who Is Assurant Recovery Solutions?

Assurant Recovery Solutions, IQ Data International, and RentCollect Global are all operating names for IQ Data International, Inc., founded in 2003 in Bothell, Washington.

In April 2015, RentCollect Global was acquired by Assurant Specialty Property, a subsidiary of Assurant, Inc. The agency now operates as a consumer portal within the Assurant corporate structure.

Who Does IQ Data International Collect For?

IQ Data International collects exclusively for the apartment industry. Every account the agency pursues comes from a former rental relationship with a multi-family property.

Confirmed debt categories include:

• Unpaid rent and lease break fees: Past-due rent balances and early termination fees assessed at move-out.
• Property damage charges: Damage assessments beyond normal wear and tear billed after move-out inspection.
• Utility balances: Unpaid utility accounts allocated to former tenant accounts.
• Other move-out charges: Cleaning fees, carpet replacement, and miscellaneous charges billed after lease termination.

Two Major Class Action Settlements

Jones v. I.Q. Data International, Inc. resulted in a $1 million settlement for a nationwide class of consumers who received automated calls to their cell phones between February 11, 2010 and February 11, 2014. The case alleged IQ Data used an automatic telephone dialing system without proper consent, violating the Telephone Consumer Protection Act. TCPA violations carry $500 to $1,500 per unauthorized call.

Singh et al. v. IQ Data International, Inc. resulted in a $4 million class action settlement targeting a specific practice: IQ Data was adding interest to former tenant accounts calculated from the move-out date. The case alleged this violated the FDCPA and state consumer protection laws by charging interest not authorized by the original lease or applicable statute.

If your IQ Data balance is higher than the original move-out charges your apartment assessed, the Singh case gives you specific grounds to demand written justification for any interest added and the contractual or statutory basis authorizing it.

Common IQ Data / Assurant Recovery Solutions Complaint Patterns

• Demanding bank account information before disclosing the balance: A documented case from a consumer law firm describes an IQ Data representative refusing to provide the account balance to a consumer arranging a payment plan unless the consumer first provided their bank account number and set up automatic withdrawals. This is coercive and a documented FDCPA pressure tactic.
• Failing to identify the current creditor in collection letters: A documented case describes IQ Data sending a letter listing only the apartment name without identifying who currently owns the debt. FDCPA Section 1692g requires clear identification of the current creditor.
• Contacting consumers represented by attorneys: Federal court allegations describe IQ Data contacting consumers directly after being notified of legal representation, an explicit violation of FDCPA Section 1692c(a)(2).
• Misrepresenting the amount owed: Court allegations describe IQ Data adding unauthorized fees or interest, misleading consumers into paying inflated amounts.

What IQ Data / Assurant Recovery Solutions Cannot Do Under Federal Law

• Add interest not authorized by the lease or state law: The Singh class action established that calculating interest from the move-out date without contractual or statutory authorization violates the FDCPA.
• Demand financial information as a condition of disclosing the balance: Requiring a bank account number before providing basic account details is coercive and violates FDCPA transparency requirements.
• Contact consumers who have notified the agency of legal representation: Written notice of attorney representation requires all direct contact to stop immediately under Section 1692c(a)(2).
• Use autodialing systems without consent: The Jones TCPA settlement established IQ Data used autodialers without proper consent. Each unauthorized call may be worth $500 to $1,500.
• Fail to identify the current creditor: Section 1692g requires consumers to know who currently holds the debt.

Verify Before Paying IQ Data / Assurant Recovery Solutions

Because IQ Data has a documented class action history over unauthorized interest additions, the itemized balance is the most critical document to request before any payment.

Send a certified validation letter demanding the original property management company’s name and contact information, the original move-out balance broken down by category, documentation of every interest charge including the specific lease clause or state statute authorizing interest from the move-out date, and confirmation of who currently owns the debt.

If the balance is higher than your original move-out statement, demand a written explanation for every dollar of the difference before paying.

How to Check Your Credit Report

Pull all three reports at AnnualCreditReport.com and search for all three names: Assurant Recovery Solutions, IQ Data International, and RentCollect Global. Confirm the original creditor name, property address, move-out date, and balance against any move-out statement or security deposit disposition notice you received.

How Long Can This Agency Legally Pursue the Debt?

Washington state allows six years on most written contracts including residential leases. The state where the rental property was located controls the statute, not where IQ Data is headquartered. The credit reporting window is a separate seven-year clock from the original date of first delinquency.

Your Options for Resolving the Account

• Demand itemized documentation before paying: The Singh class action targeted unauthorized interest additions. Force IQ Data to produce a written breakdown of every charge before any payment.
• Check all three names on your credit reports: Dispute entries under any of the three names that contain inaccuracies.
• Document any coercive payment demands: If IQ Data requires your bank account information before disclosing your balance, note the date, time, and representative involved. That is a documented FDCPA pressure tactic.
• File a TCPA complaint for autodialer calls: If you received pre-recorded or automated calls to your cell phone without consent, document each call. Each call may be worth $500 to $1,500.

How to Contact Assurant Recovery Solutions / IQ Data International

Handle all communication in writing. Send disputes by certified mail with return receipt requested:

• Address: Assurant Recovery Solutions / IQ Data International, 21222 30th Dr SE, Bothell, WA 98021
• Mailing address: Assurant Recovery Solutions, PO Box 39, Bothell, WA 98041
• Phone: (888) 313-9662

Bottom Line

Assurant Recovery Solutions, IQ Data International, and RentCollect Global are the same company with a combined $5 million in class action settlements over autodialer calls and unauthorized interest on former tenant accounts. The Singh settlement specifically addresses adding interest from the move-out date without authorization.

Never pay a balance higher than your original move-out statement without first demanding a written itemized breakdown. The Singh case established that adding unauthorized interest to apartment debt is an FDCPA violation.

If an IQ Data account is on your credit file, the right move depends on whether the balance matches your original move-out statement, whether interest was added without lease or statutory authorization, and whether all three agency names were checked across all three credit reports.