ONLINE Information Services, Inc.

2019-10-28

Sacramento, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-10-28

Brooksville, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-10-28

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2019-10-25

IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-10-24

FL

Written notification about debt

Debt collection: Medical debt

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

Timely Response

2019-10-23

Shreveport, LA

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Company Response: Closed with non-monetary relief

Timely Response

2019-10-18

MO

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2019-10-17

South Florida, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX CT, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ONLINE COLLECTIONS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious ONLINE COLLECTIONS XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Company Response: Closed with non-monetary relief

Timely Response

2019-10-16

Fayetteville, NC

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

2019-10-16

Port Huron, MI

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2019-10-15

Taft, OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I originally owed my utility services a balance for a gas bill. I made payment arrangements with them, and paid the balance in full XX/XX/XXXX. I have no contract with this company, and Im unaware of why theyre reporting on my credit report. I tried contacting them XX/XX/XXXX to resolve this matter with no resolution.
Company Response: Closed with explanation

Timely Response

2019-10-15

Norfolk, VA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I have been disputing with a collection agency by the name of Online Information Services. They have reported to all three credit bureaus stating that I owe them in the amount of {$85.00}. I do not know this company and have absolutely no obligations to this company. The company has been contacted numerous times in writing and by telephone stating the account information is inaccurate. I have certified letters that were sent to the company dating XX/XX/2019, XX/XX/2019, and my third letter will go out tomorrow as that will be another 30 days the company has refused to reply. In my letters to the company, I requested validation, made pursuant from the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, to validate competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Online Information Services. Also, I had informed them that any negative marks found on my credit reports ( including XXXX, XXXX, and XXXX ) from their company or any company that they represent, for a debt that I DON'T owe, is a violation of the FCRA & FDCPA ; therefore, if Online Information can not validate the debt, they must request that all crediting reporting agencies delete the entry. Again, they have not sent any evidence nor have they responded to any of my letters.
Company Response: Closed with explanation

Timely Response

2019-10-12

Shreveport, LA

Incorrect information on your report

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

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

Timely Response

2019-10-09

Huntingtn Bch, CA

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

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

Was not notified of investigation status or results
Company Response: Closed with explanation

Timely Response

2019-10-08

Five Points, NC

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I sent two debt validation letters, requesting for validation not verification of this debt but this collection company Online Information Services never validated this debt they say I owe, also they never produced a license to collect in my state. In the first debt validation letter I stated : To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : In the second debt validation letter I sent to them, I stated : To Whom It May Concern : I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On XX/XX/1996, nineteen days after the date of XXXX debt collection letter, XXXX counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). XXXX maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/1996 notice of claim. Brief of Appellee at 13. Specifically, XXXX claims that a copy of the consumer credit contract between XXXX and XXXX XXXX attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, XXXX violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against XXXX after XXXX had notified XXXX in writing that he was disputing the debt but before XXXX had mailed verification of the debt to XXXX. We reverse the trial courts entry of summary judgment in favor of XXXX on this issue.
Company Response: Closed with non-monetary relief

Timely Response

2019-10-08

Baltimore, MD

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-10-01

Goldsboro, NC

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-09-27

Birmingham, AL

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2019-09-26

MO

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was result of identity theft
Complaint: I am a government employee undergoing through my background re-investigation for my security clearance, as required for my position. On XX/XX//2019, while being interviewed by an Office of Personnel Management ( OPM ) investigator, he questioned me about three ( 3 ) medical collections that was placed against my name. I informed him that I'm unaware of such medical debt/collections. On XX/XX//2019, I requested for my annual free credit report via annual free credit report online to view the medical collections placed against me. I contacted the collection agency, Online Information Services at XXXX as indicated on my credit report. I inquired what the medical debt was about, location of the medical service ( s ) rendered, name of the clinic or hospital, date ( s ) of service ( s ), etc. Before providing answers to my questions, the collection agency representative asked me several questions to verify my identity. After verifying my identity, she answered my aforementioned questions. I informed her that the individual used my identity, but it wasn't me. I informed her that I was not near XXXX XXXX, Missouri nor do I reside there. I continued to inform her that for any medical services, I have always been seen at a VA hospital near my residence. The representative asked for my DOB in which I provided ; the collection agency rep stated that the DOB used and what they have on file does not match with my DOB, which I just provided. Nonetheless, she stated that I will need to contact XXXX XXXX XXXX XXXX in XXXX XXXX, Missouri to dispute the medical charges. On the same day, XX/XX//2019 I contacted XXXX XXXX XXXX XXXX in XXXX XXXX at XXXX to dispute the fraudulent charges under my name. I informed the customer service representative that I was calling to dispute the fraudulent charges under my name. After obtaining a few information such as under what name, dates of services, etc., the customer service rep forwarded my call to another representative in which she identified herself as a 'Customer Service Specialist '. Again, I repeated the reason I was calling was to dispute the fraudulent charges under my name. Bottom line, the customer service specialist informed me that their facility NEVER submits any account or charges to collection agencies. I insisted that the individual that used/stole my identity was seen at their facility, therefore, there must be some type of action ( s ) they must do, especially after she's concluded with me that the DOB used by the individual they provided services to did not match with my DOB. She went on to tell me that I will need to contact the corporate office as there was nothing they can do about it. Subsequently, I contacted the number she provide at XXXX. I spoke to an individual at the mentioned number and explained about the fraudulent charges that was made and filed against me. After obtaining my personal information and coming to a conclusion that the individual who used my identity did not match my DOB and indeed it wasn't me that XXXX XXXX XXXX XXXX rendered medical services to, there was nothing he can do about it and I should contact XXXX XXXX XXXX XXXX again and insist they take action to resolve the fraudulent charges. At this point, my above case has not been resolved. So far, the only action I have completed was to dispute those medical collections on my credit report through TransUnion. Please assist.
Company Response: Closed with explanation

Timely Response

2019-09-25

Manhattan, NY

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

2019-09-24

Boogertown, NC

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-09-23

Kansas City, MO

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-09-22

Southern Pnes, NC

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I've noticed that a debt of {$280.00} is on my credit as a collection. Apparently it's been on there for almost 3yrs now. I've tried disputing this before, as I have no idea where it's coming from. I recognize the company that has put me collection, but that debt was paid in XX/XX/2015 when I moved to my new address.
Company Response: Closed with explanation

Timely Response

2019-09-22

SC

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I was applying for credit to purchase a vehicle and kept being denied due to a public record or collection filed according to the denial/rejection letters I received ; after being denied more than 3 times I requested and received my Credit Report/file and saw where there was an account in collections for XXXX XXXX for {$490.00}, once I saw this on my credit report/file, I placed an initial fraud alert on my credit file and contacted the Collection Agency at that time ( XXXX XXXX XXXX ) and reported this account as fraudulent due to Identity Theft, and informed the person I spoke with that I'd never opened or have had an account with XXXX XXXX, neither had I lived at the address or even in the County of the address to which the account was attached to according to my credit report ; I filed a police report in my home County with the Sheriff 's Office as well as doing a Federal Trade Commission Identity Theft report, after which I mailed the police report in addition to copies of other items ( Driver 's License, check stubs, mail ) to prove who I was and where I lived to the three Credit Reporting Agencies as well as the Collection Agency ( the 1st one ) acting on behalf of XXXX XXXX ( XXXX XXXX XXXX ) and after a few weeks it was removed from my credit report/file ; now according to a recent request of my credit report/file, I saw where it was and is being reported again as collections starting back in XX/XX/2019 ; now two months have passed and this remains on my credit report as a negative item under a new Collection Agency ( Online Collections ) as an account in collections ; at this point I don't know what to do, Please Help!
Company Response: Closed with non-monetary relief

Timely Response

2019-09-19

Atlanta, GA

Took or threatened to take negative or legal action

Debt collection: Medical debt

Threatened or suggested your credit would be damaged
Complaint: On XX/XX/2019, ONLINE INFORMATION SERVICES, sent me a letter explicitly stating that they have closed the active collection account reporting my credit report ( s ) and were in the process of removing it. To date XX/XX/2019 the collection has not been removed from my credit report ( s ) and continues to negatively effect my credit and pursuit of happiness.
Company Response: Closed with explanation

Timely Response