ONLINE Information Services, Inc.

2019-08-06

Jacksonville, FL

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Complaint: I had ONE outstanding medical bill from a XXXX which as sent to Online Information Services. However, instead of reporting ONE account outstanding, they divided the accounts into several balances based upon the service dates and report 5 separate accounts to the credit bureaus. This should not be legal, this is tantamount to a credit card company putting a collection for every point of sale you used the card!! I reached out to OLIS ( XXXX ) to request they combine these items to one balance as it was at the original creditor. She refused this request. Having 5 delinquent accounts is adversely affecting my credit score and I have been denied credit due to this.
Company Response: Closed with explanation

Timely Response

2019-08-05

Oxford, GA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ONLINE COLLECTIONS XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX RE : Account # XXXX 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 vAriginal 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 : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-08-02

Tampa, FL

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

2019-08-01

Palos Park, IL

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: - I found an entry from ONLINE INFORMATION SERVICES on my credit report. - I searched XXXX for their phone number asking for more information. They refused to give me any information unless I " confirmed '' the debt. - I sent them a letter on XX/XX/19 asking for confirmation of the debt. I have attached a copy of the letter I sent as well as the Certified Mail confirmation that shows they signed for the letter on XX/XX/19. - I HAVE RECEIVED ZERO CORRESPONDENCE FROM THEM AND NO PROOF OF DEBT OR ANYTHING.
Company Response: Closed with non-monetary relief

Timely Response

2019-07-27

Columbus, OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I am not familiar with this company at all : XXXX XXXX XXXX OF OHIO
Company Response: Closed with explanation

Timely Response

2019-07-27

Brooklyn, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: The account in collection was paid in full and stills showing as collection in my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.
Company Response: Closed with explanation

Timely Response

2019-07-24

Flushing, NY

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

2019-07-13

Goldsboro, NC

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-07-13

N Valley Stream, NY

Attempts to collect debt not owed

Debt collection: Medical debt

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

Timely Response

2019-07-13

Goldsboro, NC

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-07-13

Goldsboro, NC

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-07-09

Wallington, NJ

Incorrect information on your report

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

Account status incorrect
Complaint: I contacted Online Information Services ( OIS ) repeatedly about the misinformation that OIS has provided to credit reporting agencies. I have contacted them numerous times on the phone as well as by sending them written letters over this incident. They deny that they have provided incorrect information to the credit reporting agencies and they have failed to correct the misinformation on my credit report. The main problem is how an alleged debt has been listed on my credit report by OIS. Normally, when an alleged debt is disputed by the consumer, the debt collection agency should list the credit account 's status as " disputed ''. By doing so, the credit score is unaffected by the disputed debt. However, OIS did not list the credit account 's status as " disputed ''. Instead, OIS listed the debt 's status as " valid '' and simply added the remarks, " Dispute resolved ; customer disagrees ''. This is not the same thing. By listing the alleged debt as valid but only adding remarks, the debt has severely damaged my credit score. I have notified OIS repeatedly over the phone and via written letters that I dispute the alleged debt and that the credit account 's status is being reported incorrectly. Nevertheless, OIS has failed to contact credit reporting agencies and update the credit account with the correct status. As a result of the misinformation provided by OIS, this disputed debt has severely hurt my credit score. Before OIS 's report, my credit score was about 850. Afterward, my score dropped down to XXXX. By law, OIS must correct any inaccurate information that they have provided to credit reporting agencies. OIS knows that information on my credit report is a mistake but they have failed to correct it. I have called them repeatedly OIS about their mistake and they fail to correct the misinformation. Why does OIS list the incorrect status of a credit account? The most likely reason is that a properly disputed debt would have no effect on the consumer 's credit report. However, by listing the disputed debt as valid, OIS knows that the consumer 's credit score will be hurt. As a result, the consumer will be more likely to pay the debt even if the debt is invalid. OIS has informed me that it is their standard procedure to deal with all of their alleged debts in this manner. This demonstrates that they not only have incorrectly reported my disputed debt but also have probably incorrectly reported numerous disputed accounts with other consumers. This may have resulted in unfairly damaged credit scores of thousands, perhaps millions, of consumers.
Company Response: Closed with explanation

Timely Response

2019-07-09

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-07-09

Smyrna, SC

Incorrect information on your report

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

Account status incorrect
Complaint: I had a collection account added to my credit report in XX/XX/XXXX for a utility bill from XXXX XXXX. I never received the final bill and never received an attempt to collect payment for the final invoice for XXXX XXXX. The amount of the invoice was {$99.00} and all my other invoices I had received a statement through email that prompted my payment of the invoice. I am being told 2 different stories. XXXX XXXX tells me they did not have a forwarding address which means they could not have mailed the final invoice to me. The collection company claims they had an address on file once it came to them but that address was provided by myself when I called to clear the account. There has been a lot of back and forth. The customer support at XXXX has been good but Online Collections XXXX is rude and unprofessional. As well I was never contacted by the collection company about resolving the issue. It was not until I applied for a mortgage refinance that I learned the collection was on my account and I cleared it up quickly trying to get this removed from my report. Unfortunately I have been lectured by XXXX about my responsibility etc and did not appreciate being talked to like a child while trying to inquire about having the collection account removed since it was paid.
Company Response: Closed with explanation

Timely Response

2019-06-27

Farmingtn Hls, MI

Written notification about debt

Debt collection: I do not know

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

Timely Response

2019-06-26

Wallington, NJ

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-06-25

Port Arthur, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-06-22

Reynolds, IN

Incorrect information on your report

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

Account status incorrect
Complaint: On XX/XX/XXXX I sent payoff check to collection company to have them update the status of the account, Company : Online Information Services, XXXX XXXX, XXXX, NC XXXX. My Check number XXXX cleared my bank on XX/XX/2019 : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IN XXXX.Company did not update my credit report as requested. Filed dispute with XXXX, XXXX XXXX, XXXX, PA XXXX. Recieved investigation results fromXXXX stating investigation results verified as accurate. Thus my credit report was not corrected to show the account as close and paid in full and continues to show as active and in collection.
Company Response: Closed with explanation

Timely Response

2019-06-21

New Bedford, MA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: To Whom It May Concern : 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 tor VALIDATION made pursuant to the above-named Title and Section. I aggressively request that your company provide me with physical 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 At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau 's, XXXX, XXXX or XXXX, this action might constitute fraud under both Federal and State Laws. Due to this fact, if any derogatory mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. In the event you continue your collection efforts against me without providing proof of contract, I may do one or more of the following : File a complaint with the Attorney General File a complaint with the XXXX XXXX XXXX File a complaint with the Consumer Financial Protection Bureau File a complaint with the Federal Trade Commission File a Police Report against your company for harassment, invasion or privacy and attempting to extort money. File a Law Suit against you for harassment, fraud, extortion, and invasion or privacy. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Thanks! XXXX
Company Response: Closed with explanation

Timely Response

2019-06-20

Main Office, VA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I moved out of an Apt . complex back in XX/XX/XXXX. I left a forwarding address with the company to contact me if needed. I just received a Notice of Debt in XX/XX/XXXX regarding monies supposedly owed, without a detailed explanation of why they money is/was owed. This has now affected my credit score. I was not given the option of making payment arrangements.
Company Response: Closed with explanation

Timely Response

2019-06-18

Memphis, TN

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

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

Their investigation did not fix an error on your report
Complaint: I had XXXX dispute a duplicate account with Online Collection Company 3 times and each time they came back stating the accounts were both validated. I knew this was an duplicate from the beginning and I contacted the company that placed the account in collection myself. They sent me the only bill ( 1 ) I have ever had with them and have no clue of two Bill 's. This tell me XXXX do not throughly investigate and solely went on the collection agency word and because the collection agency could not provide me with two bills.
Company Response: Closed with explanation

Timely Response

2019-06-17

Church Point, LA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-06-17

Huntsville, AL

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: Hello XXXX XXXX XXXX put a collection on my account saying I have a debt of {$67.00} that needed to be paid which I just went ahead and paid for it since I was NEVER notified it needed to be paid and also closed my account with them. They never told me that I had a extra amount that needed to be paid. And denied that they will remove it from my credit when I am the one not at fault here. They have my email and phone number on file they could of asked for the forwarding address which they decided not to contact me on. The address they where forwarding to was the exact address that I closed the account on and never gave me a EMAIL OR PHONE call to ask for a forwarding address they could send the letters to so I believe I should rightfully get this removed from my account since I paid this in full immediately.
Company Response: Closed with explanation

Timely Response

2019-06-12

Davenport, FL

Written notification about debt

Debt collection: Other debt

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

Timely Response

2019-06-10

Wallington, NJ

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: I'm in the process of cleaning my credit and came across this account in my file. It is saying I owe a debt to which I am unaware. Please provide validation via mail. As per the fair credit reporting act. 1. Original contract with signature 2. Original bills with breakdown 3. Notarized copy of the purchase of debt 4. Copy of your bond and license to collect in my state.
Company Response: Closed with non-monetary relief

Timely Response