On XXXX XXXX, 2016 at about XXXX I spoke with a representative XXXX to gain clarity and further verification of a debt in their office. Later he provided a Pay for Deletion offer in the amount of {$3000.00} to get IQ Data off my credit report. I asked him to give me sometime and I would call him back the following day. On XXXX XXXX XXXX called to continue discussing the Pay for Deletion and when asked to furnish a letter he refused and placed me on the phone with his supervisor. The supervisor after I told her I was n't going to furnish my credit card info to guarantee me the Pay for Deletion and terms discussed said she was going to place that I refuse to pay the debt in the notes to the file. As well as charging interest to the debt that is owed. The interest was over {$1500.00} and the claimed debt I owed was over {$4700.00}. When asked to send my debt back to the original creditor IQ Data reperesenative refused. This has truly place a strain and damage to y credit report and history for the past XXXX. These practices are illegal under the FCDPA and the FCRA. 
