ONLINE Information Services, Inc.

2017-09-14

Willis, VA

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-09-13

Bueche, LA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: They are saying we owe this money back from XXXX. It just appeared on my credit last year. I challenged it inXX/XX/XXXX with a letter requesting verification. They sent me an AR report. I replied to them that this is not evidence. I requested an actual bill for those months with the meter reading to prove for those months. We moved out in XX/XX/XXXX. We made payments for the last bill. We knew nothing of this. Now 3 years later they are saying we owe {$570.00}. Our electric bill has never been {$570.00}. We paid the final bill after we moved We paid 2 payments and then it looks like they just takes on {$570.00} out of nowhere. We moved out in XX/XX/XXXX and they tack this on in XX/XX/XXXX. I did not find out about this until last year. 3 years later. I disputed it requested to have it removed, they have not done it. We are moving and trying to get a mortgage for a house and this pops up again on my credit report. They have not been helpful They refuse to provide proof, saying the AR report is sufficient. I requested an actually bill that proved the meter usage. They said they do not have to provide that and this was sufficient. I told them that anyone can write this, it is not proof. We did not live there XXXX -XX/XX/XXXX And Accounts receivable report is no evidence. I requested a bill for those dates proving meter usage. They would not even negotiate or try and settle. And they would not remove it or even if i paid it they would not verify giving me a letter to remove it from my credit score. How can they not provide the bill proving the meter usage for those months. Which by the way, we did n't even live there Between XXXX and XXXX. We made the last payments from when we lived there. How can they tack on {$570.00} on it. It has never been that. Also common sense would say that if I was not paying my bill they would turn my power off, right??? And Again, we never received a bill for that.l once we moved out. This came out of nowhere last year. And we have been fighting them. They have been horrible, not willing to do anything. I do not owe this money.
Company Response: Closed with explanation

Timely Response

2017-09-08

GA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: The company has reported that I have a collection account with them that was opened XXXX XXXX, 2013 ; however, at that time I did not live at a residence that had power in my name. I have repeatedly asked for verification of this debt, but none has been provided.
Company Response: Closed with explanation

Timely Response

2017-09-03

Rochdale, NY

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: This provider rendered services while I was in XXXX XXXX Hospital. XXXX XXXX Hospital accepted the no fault assignment at the time of my treatment and has been paid in full to the present. I was receiving invoices for medical services provided that were a direct result of a motor vehicle accident. I told the billing department on several occasions that by accepting the no fault assignment neither I nor my personal insurance company can be held responsible for any bills as per regulation 83 of the NYS no fault law. ( LINK to Reg 83 : http : //www.dfs.ny.gov/consumer/faqs/faqs_reg83_nffeesch.htm ). I gave this link to the billing department and all of the information from the no fault insurance carrier to aid in their quest for payment. Still, unrelentingly, I was sent a statement every month asking for payment. I finally told the representative to stop calling and harassing me. On a whim one day, I visited XXXX XXXX to find that the company had post 2 negative marks against my credit. That is not only wrong but ILLEGAL to seek compensation for medical bills that are no fault. I also believe the 2 negative marks were for one incident.
Company Response: Closed with non-monetary relief

Timely Response

2017-09-03

Brewington Wds, IN

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I recently found out in XXXX XXXX that Online Information Services ( OIS ) was reporting a collection debt of {$86.00} on all my credit reports, which does n't belong to me. I disputed them through all the three major credit bureaus in XXXX XXXX. XXXX and XXXX removed OIS, but the collection debt remains on my XXXX, reason being the debt was valid. I disputed OIS through XXXX again, providing proof that the company was removed from my XXXX and XXXX reports. During XXXX XXXX dispute process, OIS sent me a letter dated XXXX XXXX, XXXX, stating that they validated the debt through the original creditor. They also provided a bill as their validity of the debt. I contacted OIS directly with a certified letter dated XXXX XXXX, XXXX which requested them to remove this false debt or send proof that validates this debt with my signature, according to the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and my state laws. Valid evidence should contain my signature, agreeing that I ever had an obligation to pay OIS. If no such documents exist, all collection debts from Online Information Services should be ceased and removed from all my credit report. OIS replied with a letter dated XXXX XXXX, XXXX, saying they responded to the same dispute. Once again they send me a bill from the original creditor, but they continue to fail to show any documents bearing my signature. I sent a second certified letter dated XXXX XXXX, XXXX, which OIS received on XXXX XXXX, XXXX. I included in the letter they failed to provide viable evidence, and I also state, " as per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. '' For a second time I requested them to cease collections or send proper documents. I have not heard back from Online Information Services since, which further proves that this debt does not belong to me. However, they are still falsely reporting the debt on my XXXX credit report, even though it was removed from my other two credit reports.
Company Response: Closed with explanation

Timely Response

2017-09-02

Hope Mills, NC

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-09-01

Southern Pnes, NC

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: This company is using robo-call and ghosted number calling our business trying to collect debts from consumers. Their info is below WE ELIMINATE BAD DEBT! ONLINE Information Services , Inc . XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ONLINE Information Services , Inc . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX About ONLINE Utility Providers Property Managers Mortgage Lenders XXXX Providers Other Industries Contact What 's New? The XXXX XXXX XXXX Announces Integration with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. View All What 's New Items Contact Information PHONE : SALES : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Client Inquiries : ( XXXX ) XXXX CREDIT REPORTING XXXX XXXX : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Mortgage Reporting : ( XXXX ) XXXX MAIN NUMBER : ( XXXX ) XXXX ( XXXX ) XXXX ADDRESS : ONLINE Information Services , Inc . XXXX XXXX XXXX XXXX XXXX XXXX Customer Testimonials " XXXX decreased our bad-debt write-offs!! '' - XXXX XXXX XXXX XXXX XXXX XXXX is committed to providing timely answers to questions we receive from our clients and consumers. To help us serve you more efficiently, please click the appropriate link below : Interested in Services? I am a Consumer I am a Client Current News The ONLINE Rental Exchange is at the XXXX XXXX Users Connect Conference This Week! The ONLINE Utility Exchange is at the NEPPA Annual Conference This Week! Visit the ONLINE Rental Exchange at the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Show! Visit the ONLINE Rental at the XXXX XXXX XXXX XXXX XXXX! The ONLINE Rental Exchange is Exhibiting this Week at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Show! Visit the ONLINE Rental Exchange during the XXXX XXXX XXXX Annual Conference and Exhibition! View All News Releases Events Error has occured while trying to process XXXX : XXXX? XXXX Please contact web-master View All Events Site Map XXXX Employment | Consumers | Become an Integration Partner! XXXX Privacy Policy Copyright XXXX - XXXX ONLINE Information Services, XXXX All rights reserved. XXXX XXXX XXXX XXXX XXXX CDIA visa_image master Card Image
Company Response: Closed with explanation

Timely Response

2017-08-28

Pikeville, NC

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: Online Information services Service for years have been showing on my credit report that I owe two amounts owed for {$100.00} and {$160.00} since XX/XX/XXXXand both of these amounts have been paid in full and when I call on XX/XX/XXXX I was told by them that the doctors office had to call to have it removed but when I spoke to the Doctors office on the same day they said that the collection agency would have to call them, both parties are giving me the run around about removing this false information because the Doctors shows both amounts have been paid years ago and it is affecting my credit profile and credit score badly. This is the account numbers Online Information Services are showing XXXX and XXXX and they show unpaid but the Doctors office that reported said that have been paid. Please help me get this cleared
Company Response: Closed with non-monetary relief

Timely Response

2017-08-28

Springfield, NJ

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: XXXX XXXX XXXX has never notified me and or the medical company has never notified me of a debt owed i have no knowledge of this debt this is fraudulent
Company Response: Closed with explanation

Timely Response

2017-08-28

Springfield, NJ

Threatened to contact someone or share information improperly

Debt collection: Medical debt

Talked to a third-party about your debt
Complaint: on X/XX/2017 a representtive from online collections grvl spoke to someone other then my self at XXXX XXXX. i did not authorize they speak to anyone other then me. the woman on the phone allegdly gave information pertaining to a image conslulting comna that specilazes in XXXX i did not want this information to told to anyone, this is HIPPA! PRIVACY ACT.
Company Response: Closed with explanation

Timely Response

2017-08-26

Ft Lauderdale, FL

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: After pulling my credit report, I noticed a collections item for a utility bill with XXXX XXXX XXXX being " collected '' by Online Information Services ( XXXX XXXX XXXX XXXX, NC XXXX ) since XX/XX/XXXX. I have never received from the original company nor Online Information Services ANY notification of a debt. No call, nothing written. I would have never known had I not pulled my credit report wondering why it was lower than I thought it should be. My understanding is that I need to be contacted with notification of debt collection activity within 5 days of initial contact ( FCRA 809 ( a ) ) which the FTC in numerous advisory opinions and in established case law has deemed reporting to credit bureaus as constituting initial contact. It is an unreasonable assumption that a person would be constantly pulling their full credit report and without notifying me of debt collection they have been harming me financially for almost a year. I am willing to continue to pursue this violation as this has adversely affected my ability to secure an apartment to rent. By not contacting me at all about a debt they have been reporting for 11 months, this company seems more motivated by financially harming consumers as opposed to actually resolving debts. It took me requesting validation inXX/XX/XXXX and finally receiving a response letter dated XX/XX/XXXX to have any information other than what is reported on my full credit report.
Company Response: Closed with explanation

Timely Response

2017-08-24

IN

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: Date : XX/XX/XXXX. I have been receiving repeated calls from " Online Information Services '' ( OIS ) in North Carolina. Message says they are calling about a debt owed by " XXXX XXXX XXXX '' ( sp ) which is not me nor anyone I know. The message also instructs me to take action ( call OIS ) if I am not this person. I do not and will not interact in any way with such calls, and I 'm not going to call and tell them my actual identity, particularly as there are **hundreds** of online complaints about this company ( including one that reports notifying the FTC of OIS ' fraudulent and harassing practices as early as XXXX ). Number OIS call me from : XXXX Number OIS tells me to call to be removed from their calling list : XXXX Note also : I am on the National " Do Not Call '' registry and have been for years. More info about OIS included legal complaints : XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2017-08-22

Orange, NJ

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-08-15

Orange Park, FL

Threatened to contact someone or share information improperly

Debt collection: I do not know

Contacted your employer
Company Response: Closed with explanation

Timely Response

2017-08-14

North Hills, NC

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: On XXXX XXXX, XXXX I wrote a letter to Online Information Services asking them to validate a debt that was showing on my credit reports. In this letter, I asked for proof of contractual agreement, COMPLETE accounting of the alleged debt, copy of any judgement obtained by creditor, etc. Online Information Services received my letter on XXXX/XXXX/XXXX and in their response to my request Online Information Services did n't provide me with any of the requested documents. Instead, I was sent an incomplete accounts receivable ledger. Not to mention, the date section of this ledger says " XXXX through XXXX '', yet, this debt seems to be from XXXX.
Company Response: Closed with explanation

Timely Response

2017-08-14

Manhattan, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-08-06

Glendale, AZ

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

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

Investigation took more than 30 days
Company Response: Closed with explanation

Timely Response

2017-08-03

Hope Mills, NC

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-08-01

Hazelwood, NC

Written notification about debt

Debt collection: Medical debt

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

Timely Response

2017-07-31

Durham, NC

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: On XXXX, XXXX 2017 I disputed account was not received due to a change of address and ask the company to remove late payments. The never verified my a debt.
Company Response: Closed with explanation

Timely Response

2017-07-25

Guthrie, NC

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-07-18

Wake Forest, NC

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-07-13

Tampa, FL

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-07-13

Taft, OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-07-11

Northwood, OH

Written notification about debt

Debt collection: Other debt

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

Timely Response