ONLINE Information Services, Inc.

2017-07-11

Northside, NC

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: Online Collections is reporting that I have a debt with their collection agency for {$2600.00} on my credit report. However, I called them and paid off this debt on XX/XX/XXXX. I have disputed this account with the credit bureaus twice since I paid it, however Online Collections continues to tell the credit bureaus that the debt is still unpaid.
Company Response: Closed with non-monetary relief

Timely Response

2017-07-10

Wesley Chapel, FL

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Company Response: Closed with explanation

Timely Response

2017-07-10

Saint Landry, LA

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation

Timely Response

2017-07-08

Concord, NC

Incorrect information on your report

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

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

Timely Response

2017-07-07

Saint Cloud, FL

Communication tactics

Debt collection: Other debt

Used obscene, profane, or other abusive language
Company Response: Closed with explanation

Timely Response

2017-07-07

Bremen, GA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: Company has placed a collection on my credit report and it has damaged my credit. I do n't know the company nor do I have a signed contract with me. I have asked them to removed this inaccurate information and continue to ignore their wrong. I 've filed a complaint with the BBB and have n't gotten anywhere. I 've never did business with this company and would like for this information to be removed for my credit. Thanks
Company Response: Closed with explanation

Timely Response

2017-07-06

Sebring, FL

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: Unknown account and no way I owe {$540.00} on a bill. Disputed and requested validation, never received
Company Response: Closed with explanation

Timely Response

2017-06-30

Reidsville, NC

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: Ive sent numerous requests to this company via certified mail requesting proper validation. Each time the company ignored my request and sent only this itemized bill. I shared with this company the FTC opinion letter on itemized bills. They have not provided me with documentation showing any type of agreement between me and the party. I requested a copy of this agreement and was ignored. Im not obligated to pay a debt buyer who cant validate a debt properly or fail to communicate properly. I have attached a copy of my letter to them, FTC Opinion Letter, their response. Please note that they did not bother to respond to my 2nd request for validation.
Company Response: Closed with explanation

Timely Response

2017-06-28

Alameda, NM

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation

Timely Response

2017-06-26

Spring, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: This company reported a debt which I have not owed anyone for past 7-8 years this is inaccurate and false information please remove
Company Response: Closed with non-monetary relief

Timely Response

2017-06-20

Boston, MA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-06-01

Austell, GA

Written notification about debt

Debt collection: I do not know

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

Timely Response

2017-05-24

NY

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: This account was reported on my credit report. It was previously with another collection agency and when i t was with first agency, I updated my mailing address and made a payment. It then transferred to Online Information Services. I never received notice of the debt and my right to dispute via mail from Online Services. I was only alerted to it being moved to another agency by checking my credit report. I contacted Online Services on XX/XX/2017 and spoke to XXXX ( refused to provide last name ) to clari fy what address they had on file and they stated they had a previous address ( in which I no longer reside ). When I asked for deletion from my credit report ( after I made the payment ) based on the fact that an initial notice had not been sent to my current mailing address, I was denied.
Company Response: Closed with explanation

Timely Response

2017-05-15

Orange Park, FL

Threatened to contact someone or share information improperly

Debt collection: Medical debt

Talked to a third-party about your debt
Company Response: Closed with explanation

Timely Response

2017-05-09

Columbia, SC

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

2017-05-05

Brentwood, TN

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: As I gathered information to give to the STATE 'S ATTORNEY GENERAL. I did a search for ONLINE INFORMATION SERVICE license. I have found they are in direct violation of TENNESSEE FAIR DEBT COLLECTION PRACTICES AC T 62-20-101. ON LINE INFORMATION SERVICE does not have a license in the state of TENNESSEE. They can not collect on a debt. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-105 sta tes no person shall commence, conduct or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior stat law. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-108 ( a ) ( 1 ) Every collection service shall have, for each location at which it conducts business a loc ation manager who has submitted an application on a form prescribed by the board. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-123 states a willful violation of this chapter, or any rule lawfully promulgated thereunder, is a Class C misdemeanor. ONLINE INFORMATION SERVICE is in direct violation. This will be the last communication I send before sending my evidence to the STATE 'S ATTORNEY GENERAL OFFICE.
Company Response: Closed with explanation

Timely Response

2017-05-03

NC

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: XXXX XXXX XXXX t Date XXXX 31,2012 Amount XXXX This was taken to court. I had no idea the debt existed until I applied for a personal loan. I then contacted XXXX and that 's when I was told by them it was in collections and what it was actually for! Do I have any rights here? I was never notified of anything. I happened to stumble across it! They will not take a settlement or anything and even though I do not feel I am soley responsible for this debt I would like to rectify it.
Company Response: Closed with non-monetary relief

Timely Response

2017-05-01

Wilson, NC

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I RECEIVED A NOTIFICATION THAT MY CREDIT DROPPED XXXX POINTS DUE TO A NEW " COLLECTION '' ADDED TO MY ACCOUNT. WHEN LOOKING AT THE INFO. I PAID MY BALANCE OFF WITH THAT COMPANY BACK ON XXXX / XXXX / 2017 . I DO NOT OWE ANYTHING TO XXXX XXXX . I HAVE INFORMATION SHOWING I HAVE A XXXX BALANCE AND OWE NOTHING.
Company Response: Closed with non-monetary relief

Timely Response

2017-04-30

Galena, OH

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: My loan application was denied : when I reviewed my credit history I notice there were no details on All the items listed on your report from my on line report no original creditor or documents listing. Sectio n 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off of my Credit report I reviewed a copy of my credit report and am disputing all items that need to be deleted. I have highlighted and numbered the se disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Online Information Service # XXXX . Item # Online Information Service # XXXX Reason for Deletion My loan application was denied : when I reviewed my credit history I notice there were no details on All the items listed on your report from my on line report no original creditor or documents listing that this are my items. a. According to the provisions of the Fair Credit Reporting Act 609 A1 E2 Validation and Disclosure 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 1. Notwithstanding paragraph ( 2 ), a court may not impose any civil penalty on a person for a violation of Section 623 ( a ) ( 1 ) unless the person has been enjoined from committing the violation, or ordered not to commit the violation, in an action or proceeding brought by or on behalf of the Federal Trade Commission, and has violated the injunction or order, and the court may not impose any civil penalty for any violation occurring before the date of the violation of th e injunction or order. 2. Neither the Commission nor any other agency referred to in subsection ( b ) may prescribe trade regulation rules or other regulations with respect to this title. b. Enforcement by Other Agencies : Compliance with the requirements imposed under this title with respect to consumer reporting agencies, persons who use consumer reports from such agencies, persons who furnish information to such agencies, and users of information that are subject to subs ection ( d ) or ( e ) of Section 615 shall be enforced under -- 1. Section 8 of the Federal Deposit Insurance Act [ 12 U.S.C.A. 1818 ], in the case of -- A. national ban ks, and federal branches and federal agencies of foreign banks, by the Office of the Comptroller of the Currency ; XXXX . member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than federal branches, federal agencies, and insured state branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, and organizations operating under Secti on 25 or 25 ( a ) of the Federal Reserve Act [ 12 U.S.C.A. 601 et seq., 611 et seq. ], by the Board of Governors of the Federal Reserve System ; and C. banks insured by the Federal Deposit Insurance Corporation ( other than members of the Federal Reserve System ) and insured state branches of foreign banks, by the Board ~ of Directors of the Federal Deposit Insurance Corporation ; 2. Section 8 of the Federal Deposit Insurance Act [ 12 U.S.C.A. 1818 ], by the Director of the Office of Thrift Supervision, in the case of a savings association the deposits of which are insured by the Federal Deposit Insurance Corporation. 3. the Federal Credit Union Act, by the Administrator of the National Credit Union Administration with respect to any federal credit union ; 4. Subtitle IV of Title 49, by the Secretary of Transportation, with respect to all carriers subject to the jurisdiction of the Surface Transportation Board ; 5. the Federal Aviation Act of 1958, by the Secretary of Transportation with respect to any I air carrier or foreign air carrier subject to that Act ; and 6. the Packers and Stockyards Act, 1921 ( except as provided in Section 406 of that Act ), by l the Secretary of Agriculture with respect to any activities subject to that Act. The terms u sed in paragraph ( 1 ) that are not defined in this title or otherwise defined in Section 3 ( s ) of the Federal Deposit Insurance Act ( 12 U.S.C. 1813 ( s ) ) shall have the meaning given to them in Section l ( b ) of the International Banking Act of 1978 ( 12 U.S.C. 3101 ). c. State Action for Violations : 1. Authority of states : In addition to such other remedies as are provided under state law, if the chief law enforcement officer of a state, or an official or agency designated by a state, has reason to believe that any person has violated or is violating this title, the state -- A. may bring an action to enjoin such violation in any appropriate United States district court or in any other coun of competent jurisdiction ; B. subject to paragraph ( 5 ), may bring an action on behalf of the residents of the state to recover -- i. damages for which the person is liable to such residents under Sections 616 and 617 as a result of the violation ; ii. in the case of a violation of Section 623 ( a ), damages for which the person would, but for Section 623 ( c ), be liable to such residents as a result of the violation ; or damages of not more than {$1000.00} per 15 mins for each willful or negligent violation ; and C. in the case of any successful action under subparagraph ( A ) or ( B ), shall be awarded the costs of the acti on and reasonable attorney fees as determined by the court. 2. Rights of federal regulators : The state shall serve prior written notice of any action under paragraph ( 1 ) upon the Federal Trade Commission or the appropriate federal regulator determined under subsection ( b ) and provide the Commission or appropriate federal regulator with a copy of its complaint, except in any case in which such prior notice is not feasible, in which case the state shall serve such notice immediately upon instituting such action. The Federal Trade Commission or appropriate federal regulator shall have the right -- A. to intervene in the action ; B. upon so intervening, to be heard on all matters arising therein ; C. to remove the action to the appropriate United States district court ; and D. to file petitions for appeal. 3. Investigatory powers : For purposes of bringing any action under this subsection, nothing in this subsection shall prevent t he chief law enforcem ent officer, or an official or agency designated by a state, from exercising the powers conferred on the chief law enforcement officer or such official by the laws of such state to conduct investigations or to administer oaths or affirmations or to compel the attendance of witnesses or the production of documentary and other evidence. 4. Limitation on state action while federal action pending : If the Federal Trade Commission or the appropriate federal regulator has instituted a civil action or an administrative action under Section 8 of the Federal Deposit Insurance Act for a violation of this title, no state may, during the pendency of such action, bring an action under this section against any defendant named in the complaint of the Commission or the appropriate federal regulator for any violation of this title that is alleged in that complaint. 5. Limitations on state actions for violation of Section 623 ( a ) ( 1 ) : A. Violation of injunction required : A state may not bring an action against a person under paragraph ( 1 ) ( B ) for a violation of Section 623 ( a ) ( 1 ), unless- i. the person has been enjoined from committing the violation, in an action brought by the state under paragraph ( 1 ) ( A ) ; and ii. the person has violated the injunction. B. Limitation on damages recoverable : In an action against a person under paragraph ( 1 ) ( B ) for a violation of Section 623 ( a ) ( 1 ), a state may not recover any damages incurred before the date of the violation of an injunction on which the action is based. c. d. Enforcement under other authority : For the purpose of the exercise by any agency referred to in subsection ( b ) of this section of its powers under any Act referred to in that subsection, a violation of any requirement imposed under this title shall be deemed to be a violation of a requirement imposed under that Act. In addition to its powers under any provision of law specifically referred to in subsection ( b ) of this section, each of the agencies referred to in that subsection may exercise, for the purpose of enforcing compliance with any requirement imposed under this title any other authority conferred on it by law. No twithstanding the preceding, no agency referred to in subsection ( b ) may conduct an examination of a bank, savings association, or credit union regarding compliance with the provisions of this title, except in response to a complaint ( or if the agency otherwise has knowledge ) that the bank, savings association, or credit ' union has violated a provision of this title, in which case, the agency may conduct an examination as necessary to investigate the complaint. If an agency determines during an investigation in response to a complaint that a violation of this title has occurred, the agency may, during its next 2 regu larly scheduled examinations of the bank, savings association, or credit union, examine for compliance with this title. e. Interpretive Authority : The Board of Governors of the Federal Reserve System may issue interpretations of any provision of this title as such provision may apply, to any persons identified under paragraph ( 1 ), ( 2 ), and ( 3 ) of subsection ( b ), or to the holding companies and affiliates of such persons, in consultation with federal agencies identified in paragraphs ( 1 ), ( 2 ), an d ( 3 ) of subsec tion ( b ) f. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color of the law.
Company Response: Closed with explanation

Timely Response

2017-04-26

Tampa, FL

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Complaint: After viewing a copy of my credit report, I noticed a collection account placed on my credit report from Online Information Services on XXXX XXXX , 2013 for {$190.00} I am requesting that you let me validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name, and hospital/medical provider to which I owe the debt, and a detailed breakdown of th e fees that I allegedly owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act { HIPAA }, to protect my privacy and medical records from third parties. I did not give my permission to any of my current or prior medical providers to release my medical information to a third party. I am aware that the HIPAA does allow the release of limited information about me but anything more is only to be revealed with patient authorization. Therefor, my request is twofold-validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my identification used upon service and my signature with the provider of service to release my i nformation to your company Online Information Services Cease any Credit Bureau until this debt has been validated by me.
Company Response: Closed with explanation

Timely Response

2017-04-25

Henderson, NV

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-04-20

Addisleigh Park, NY

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-18

Dallas, GA

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-18

Oregon, OH

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2017-04-17

Fort Pierce, FL

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Complaint: My account : ONLINE COLLECTIONS # XXXX was paid in full at XXXX XXXX and is not a valid collections account, you will find the receipt of payment attached.
Company Response: Closed with explanation

Disputed: No Timely Response