ONLINE Information Services, Inc.

2018-07-10

Aiken, SC

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2018-07-09

Maryville, TN

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2018-07-06

Scottsdale, AZ

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: On-Line Information Services is a collection agency that has been harassing me about a XXXX XXXXXXXX XXXX XXXX of {$240.00} incurred in XX/XX/XXXX in a condominium residence XXXX XXXX XXXXXXXX XXXX XXXXXXXX, that had been opened in my name due to identity theft. My son, XXXX XXXX XXXX and his father, ex-husband XXXX XXXX XXXX unlawfully took possession of the Florida condo in XXXX per fraudulent transfer of assets, and in fact, went before a judge swearing under oath that I had never lived there. Lo and behold in XXXX, I received a letter from the collection agency demanding payment for the utility bill. On-Line has tarnished my credit with all three reporting agencies. On numerous occasions, I have explained to On-Line that the condo was taken over in XXXX and I neither opened an acct in my name, nor had anything to do with the residence in XXXX when the charges were incurred. They have been been rude and have ignored my attempts to explain that I am not liable for this bill. I have spoken to XXXX XXXX and was told that they in fact, closed the acct years ago and are not looking for payment. They further advised me to report a collection agency that harasses individuals victimized by identity theft.
Company Response: Closed with non-monetary relief

Timely Response

2018-07-06

New Brunswick, NJ

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2018-07-06

Newark, NJ

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2018-07-02

Charlotte, NC

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-06-29

NC

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: ONLINE INFORMATION SERVICES is currently reporting on my credit report and inaccurate debt.
Company Response: Closed with explanation

Timely Response

2018-06-26

Fort Pierce, FL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Old information reappears or never goes away
Company Response: Closed with explanation

Timely Response

2018-06-26

South Florida, FL

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I checked my credit report and discovered an account from a company called ONLINE COLLECTIONS. I have no idea who or what this is, nor do i have knowledge of the debt they are reporting. I have never been contacted by this company. I contacted the original creditor, XXXX XXXX, and they stated there is no balance for my old home address or under my social security number. They also stated they do not use this company for debt collections, imposing that this is a fraudulent account.
Company Response: Closed with explanation

Timely Response

2018-06-25

Cheshire, OR

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: We had no communications about medical debt ( s ) owed. Collections company " Online Information Services '' ( OIC ) claims we owe > {$2000.00} on services rendered in 2013 by originating creditor " Diagnostic Imaging ''. They started reporting this debt to credit reporting agencies in 2016. We had no one contact us about such debt at all in the past 5+ years. It just started showing up on our credit report. XXXX refused to provide phone number or address of originating creditor. They provided account # from originating creditor - but upon calling the supposed original creditor, that account never existed. Upon calling originating creditor, they stated that account # was not a real account # and that we never had services for the claimed amount ( > {$2000.00} ), and that they do not send debts to collections ( they do their own collections ). This debt never existed for us, and is fraudulent debt attempted to be collected.
Company Response: Closed with non-monetary relief

Timely Response

2018-06-24

Easton, MA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. There are multiple inaccuracies with this account and with the way it's reporting and would like it to be removed immediately from my credit report. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Company Response: Closed with explanation

Timely Response

2018-06-20

Riverdale, GA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Difficulty submitting a dispute or getting information about a dispute over the phone
Company Response: Closed with explanation

Timely Response

2018-06-16

Galena, OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I mailed out a debt validation letter to Online Information Services on XX/XX/2018 requesting that they send me a signed contract proving that the account they have listed on all the credit bureaus was in fact my account. They sent me a copy of a bill directly from XXXX XXXX. A bill is considered a verification I did not ask for verification I asked for validation as per the FDCPA, I have the right to request this, which would be a signed contract showing my signature to in fact prove that the account is mine. I have no knowledge of this account and a copy of a bill is not proving that the account is mine. Without validation I am not liable for this account and I am not obligated to pay off this debt since it does not belong to me and there is no signed proof that it does. Below I have attached a copy of the debt validation letter that I sent to them. I have also attached copies of the certified mail receipt and tracking information. I have also included 2 pages of their response that was not validation.
Company Response: Closed with non-monetary relief

Timely Response

2018-06-14

Eutaw, NC

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief

Timely Response

2018-06-13

Fort Lauderdale, FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Company Response: Closed with non-monetary relief

Timely Response

2018-06-13

Atlanta, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: On XX/XX/XXXX, I moved out of my apartment at XXXX XXXX, owned by XXXX XXXX XXXX XXXX as my lease had expired. I turned in my keys as well. Before moving, there was never a walk through done of the premises and I never received a bill for any damages. I asked numerous times to do a walk through and it was refused by management. In accordance with Georgia Law, a landlord must do a walk through of the premises within three days of a tenant moving out of the premises. That was not done. O.C.G.A. 44-7-33 provides the following : ( b ) Within three business days after the date of the termination of occupancy, the landlord or his agent shall inspect the premises and compile a comprehensive list of any damage done to the premises which is the basis for any charge against the security deposit and the estimated dollar value of such damage. The tenant shall have the right to inspect the premises within five business days after the termination of the occupancy in order to ascertain the accuracy of the list. The landlord and the tenant shall sign the list, and this shall be conclusive evidence of the accuracy of the list. If the tenant refuses to sign the list, he shall state specifically in writing the items on the list to which he dissents and shall sign such statement of dissent. If the tenant terminates occupancy without notifying the landlord, the landlord may make a final inspection within a reasonable time after discovering the termination of occupancy. This was never done with me. I never received a list of damages nor was there ever a walk through. Furthermore, i was never contacted to verify whether or not I disagreed with the damages or not. Per their own document, the charge came 23 days after I moved out of the premises. This action came farther than the time the statute allowed because they were put on notice of my lease termination. Also, XXXX XXXX did not inform me they were keeping my security deposit as well. Georgia law requires that a landlord must notify a tenant within thirty days if they are to keep the security deposit and the reasons why. O.C.G.A. 44-7-34 provides the following : a ) Except as otherwise provided in this article, within one month after the termination of the residential lease or the surrender and acceptance of the premises, whichever occurs last, a landlord shall return to the tenant the full security deposit which was deposited with the landlord by the tenant. No security deposit shall be retained to cover ordinary wear and tear which occurred as a result of the use of the premises for the purposes for which the premises were intended, provided that there was no negligence, carelessness, accident, or abuse of the premises by the tenant or members of his household or their invitees or guests. In the event that actual cause exists for retaining any portion of the security deposit, the landlord shall provide the tenant with a written statement listing the exact reasons for the retention thereof. If the reason for retention is based on damages to the premises, such damages shall be listed as provided in Code Section 44-7-33. When the statement is delivered, it shall be accompanied by a payment of the difference between any sum deposited and the amount retained. The landlord shall be deemed to have complied with this Code section by mailing the statement and any payment required to the last known address of the tenant via first class mail. If the letter containing the payment is returned to the landlord undelivered and if the landlord is unable to locate the tenant after reasonable effort, the payment shall become the property of the landlord 90 days after the date the payment was mailed. Nothing in this Code section shall preclude the landlord from retaining the security deposit for nonpayment of rent or of fees for late payment, for abandonment of the premises, for nonpayment of utility charges, for repair work or cleaning contracted for by the tenant with third parties, for unpaid pet fees, or for actual damages caused by the tenant 's breach, provided the landlord attempts to mitigate the actual damages. The statement given to me did not outline any details as to why the security deposit was held. I have also provided an attached bill I received from Online Information Services which is a debt collection agency that XXXX hired. I got notification around XX/XX/XXXX that a bill from XXXX XXXX was submitted to a debt collection agency and reported to my credit resulting in significant financial burdens. I called Online Management multiple times to validate the debt. I never disputed the debt contrary to their letter I asked for Verification which has not been provided.There was no validation sent whatsoever of the supposed debt owed other than a general bill. Furthermore, there was no evidence of a walk through and a checklist that I signed off on indicating said damages. Lastly, there is no indication on the bill that was sent that my security deposit was being withheld which if further indication they did broke the Georgia law in regards to security deposits. They also charged a suspect online fee which again I was never informed of. ( Please see attached bill ). The amount allegedly owed is {$260.00}. I disagree and will not be held hostage to unfair and bad tactics by XXXX XXXX XXXX XXXX and XXXX XXXX. I have tried several times to reach out to XXXX XXXX XXXX and Online Information Services and I have been refused to be heard about the egregious acts they have portrayed. To have this impact my credit as it is not my debt and not owed has really been a burden they have refused to correct.
Company Response: Closed with explanation

Timely Response

2018-06-06

Little River, SC

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2018-05-27

Rockville, MD

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2018-05-25

Mc Leansville, NC

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: After being contacted via phone by their office and made aware of this alleged debt, I contacted Power Company regarding this account. I paid {$460.00} directly to XXXX XXXX and received a tracking number ( MTCN ) # s XXXX and XXXX for my payment. I sent a letter on XX/XX/2018 notifying them the account has been paid in full to the original creditor and therefore they must stop all collection activity on this account. This includes, but is not limited to, phone calls, letters or negative reporting to the credit bureaus. They are still reporting it.
Company Response: Closed with explanation

Timely Response

2018-05-20

Charlotte, NC

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Old information reappears or never goes away
Complaint: ON XX/XX/XXXX I SPOKE TO XXXX EXT XXXX IN REGARDS TO TWO BALANCES SHOWING NEGATIVE ON MYAH CREDIT REPORT THAT I WANTED TO PAY FROM XXXX XXXX XXXX. THEY HAD HAD ISSUES WITH THE BILLING SERVICE THEY WERE USING AND FIRED THEM AND TOOK ON ANOTHER. I LET XXXX KNOW THAT I WAS PAYING THIS AND ASKED IF BY PAYING TODAY WOULD THEY REMOVE IT FROM MY CREDIT REPORT AND SHOW AS PAID IN FULL. SHE TOLD ME YES IF I PAID TODAY AND THAT IN 30-45 DAYS IT WOULD BE REMOVED. SO I PAID BOTH AMOUNTS # XXXX FOR {$460.00} AND # XXXX FOR {$370.00} AFTER SHE ASSURED IN 30 -45 DAYS WOULD BE REMOVED. I CALLED BACK ON XX/XX/17 TO FOLLOW UP AFTER HAVING MY REPORT PULLED ASND FOUND IT WAS STILL ON THERE. SHE SAID I NEED TO CALL THE CREDIT BOUROUGH TO HAVE IT TAKEN OFF AND THEY DO NOT DO THAT, I ASKED TO SPEAK TO THE MANAGER AND THEN THE ASSISTANT MANAGER ( XXXX - XXXX ) GOT ON THE PHONE AND PROCEEDED TO TELL ME THEY DO NOT TAKE ANYTHING OFF AND NEVER HAVE IF PAID OR NOT. THIS IS NOT WHAT WAS ORIGINALLY TOLD TO ME AND I FEEL LIKE THEY SAID WHATEVER TO GET THE MONEY AND PAYMENT. IT IS STILL ON MY REPORT AND AFFECTING MY SCORE GREATLY BECAUSE OF IT. WITH THE ISSUES WITH THE BILLING COMPANY AT MY DOCTORS AND THEN THE BIGGEST ISSUE OF BEING LIED TO TO GET TWO PAYMENTS AND THEN CHANGE THAT IT WILL NOT COME OFF ANF NOW IT IS MY RESPONSIBILITY TO REACH OUT TO THE CREDIT BOUROUGH IS DISTURBING. ALL I AM ASKING IS THAT THE PAID DEBT IS REMOVED. IT IS THE ONLY THING ON MY CREDIT REPORT. I FILED AS COMPLAINT RIGHT AFTER WITH THE XXXX AND NEVER HEARD A WORD BACK.
Company Response: Closed with explanation

Timely Response

2018-05-19

NJ

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: With no warning, around XX/XX/XXXX, a derogatory account showed up on my credit report. I am not disputing the Original Lender, ( although the amount was inflated ), my complaint is not getting a response from the debt collection company to work this out. I have called, and written to this company in an effort to get this removed from my Credit Report. Debt Collection Company : ONLINE IN SV XXXX XXXX XXXX, NC XXXX Original Lender : XXXX XXXX XXXX - ( Debt from XX/XX/XXXX )
Company Response: Closed with explanation

Timely Response

2018-05-18

Fleming, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: This account is invalid and is not authorized to report on my credit. Under the Fair credit act I have never had a contract with XXXX XXXX. There is no signed agreement between me and this company,
Company Response: Closed with explanation

Timely Response

2018-05-17

Pinellas Park, FL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Company Response: Closed with non-monetary relief

Timely Response

2018-05-05

Memphis, TN

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: I went XXXX XXXX XXXX on XX/XX/XXXX and the emergency physician is XXXX XXXX. I received a bill in the amount of {$800.00} where XXXX was billed incorrectly opposed to XXXX XXXXXXXX XXXX. I contacted the XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX about the mix up. They told me that they spoke to someone named XXXX at XXXX and she told the XXXX XXXX that it was paid on XX/XX/XXXX and the XXXX XXXX thereafter sent a duplicate claim on XX/XX/XXXX which was denied due to it being a duplicate claim. It was then sent to a collection agency by the name of On-line services in error and I started receiving harassing phone calls and having issues with the collection agengy damaging my excellent credit and dropping my score. contacted XXXX back and they stated the EOB was needed. I sent the EOB ( explanation of benefits ) via email to a manager at The XXXX XXXX by the name XXXX. The manager called the XXXX XXXX Claims Dept to get the original ck #, needed the EFT. Told me it would show paid with the XXXX XXXX but has failed to remove off if my credit which originally should not have been put on my credit due to their mistake of filing with the wrong insurance company. I am demanding that the entire debt not only show as paid but removed off of my credit completely and my credit score points restored. I was in the process of purchasing a home and my score has dropped 26 points because of their negligence. Your immediate attention in this matter is greatly appreciated.
Company Response: Closed with non-monetary relief

Timely Response

2018-05-04

NC

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: Online Information Services , Inc. violated the Fair Debt Collection Practices Act, Fair Credit Reporting Act, North Carolina Collection Agency Act, and other applicable state statutes.
Company Response: Closed with explanation

Timely Response