Online Information Services, Inc.

XXXX has failed to conduct a reasonable reinvestigation of the Online Information Services collection account. The furnishers own written notice to me stated a balance of {$200.00}, yet XXXX continues to report the account as XXXX #, which does not match the XXXX documentation and has never been validated. I sent a formal validation request to Online Information Services, and they did not provide an original contract, billing history, proof of service, or any documentation supporting the {$800.00} amount. Despite the lack of verification, XXXX marked the account as verified, which indicates they relied solely on an automated ACDV response rather than requiring actual evidence. Automated verification does not meet the Fair Credit Reporting Acts requirement for a reasonable reinvestigation under 15 U.S.C. 1681i. Both XXXX XXXX XXXX XXXXave already removed this account after their reinvestigations, confirming that the furnisher could not validate the debt.…

I received a collection notice from Online Information Services, XXXX. XXXX XXXX, XXXX, NC XXXX, alleging that I owe XXXX XXXX XXXX of New York {$13000.00} for utility services. After contacting XXXX XXXX, I was informed that the account is associated with an XXXX named XXXX, using the email address XXXX and the phone number ( XXXX ) XXXX. This is not my company, I have no affiliation with this LLC, and the listed email address and phone number do not belong to me. I advised XXXX XXXX that this account is not mine and that I have never opened or authorized this account. XXXX XXXX instructed me to file a consumer complaint with your office and, after doing so, to file a police report regarding this apparent case of identity theft or fraudulent use of my personal information. I respectfully request that this matter be investigated and that appropriate action be taken to remove any fraudulent account or collection activity associated with my name.

I am disputing a collection account placed by Online Information Services related to an original debt with XXXX XXXX XXXX. I paid this debt directly to XXXX XXXX XXXX in full, in the amount of approximately {$400.00}. Despite this payment, the debt was subsequently sold or referred to a collection agency and now appears on my credit report as an unpaid collection account with a balance of {$400.00}, reported as past due as of XX/XX/year>. This account should not have been sent to collections, as it was paid prior to that referral. I am requesting that this collection account be removed from my credit report, as it does not accurately reflect that the underlying debt was paid.

ONLINE INFORMATION SERVICES Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX High Balance {$240.00} Original Creditor XXXX XXXX XXXX Past Due {$240.00} Pay Status >Collection< Estimated month XXXX year this item will be removed XXXX/XXXX Remarks >PLACED FOR COLLECTION< This collection account is the result of identity theft, XXXX does not belong XXXX me. I did not authorize the account did not receive the benefit of the service XXXX I am not legally responsible for this debt. I have disputed this account XXXX I am requesting that online informatioXXXX service conduct a reasonable investigation XXXX provide all documentation proving that I opened or authorize this account.…

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX mailto : XXXX XX/XX/XXXXXXXX Online Information Services XXXX. XXXX XXXX, NC XXXX Dear Online information Services, This letter serves as a formal request for validation of any alleged debt associated with my account. I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and requesting that you provide me with the details necessary to validate this debt. According to the FDCPA, you are required to provide me with proof that I owe the debt in question and the amount of the debt. This includes providing the name of the creditor, the original amount of the debt, and any relevant account numbers. Case law has affirmed my right to request validation of debt. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court ruled that consumers have the right to request validation of any debts being collected.…

To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount.…

XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/year> ONLINE INFORMATION SER XXXX XXXX XXXXXXXX XXXX NC XXXX Phone : ( XXXX ) XXXX RE : FORMAL CEASE AND DESIST DEMAND To Whom It May Concern : Pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act, you are hereby directed to immediately cease and desist all collection activity and all further communication with me regarding the alleged debt you claim is associated with me, except as expressly permitted by federal law. I dispute this alleged debt in its entirety. I do not admit liability, I do not acknowledge the validity of the alleged account, and I do not consent to your continued collection efforts or the furnishing of information concerning this alleged debt to any consumer reporting agency without competent evidence establishing that I am legally responsible for the account.…

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.

To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount.…

Online information Services has placed a collection on my credit report for a debt that is not mine. Online information Services has failed to provide me the original contract with my signature a debt validation letter which shows proof of ownership.

I am submitting this complaint regarding ONLINE Information Services , Inc. and its reporting of a XXXX XXXX XXXX account to XXXX and XXXX. I first became aware of this collection after it appeared on my consumer credit reports. Before discovering it on my credit reports, I did not receive a clear and meaningful opportunity to review and resolve the account. If ONLINE contends that it sent a notice or otherwise communicated with me before furnishing the collection to the credit reporting agencies, I request that it provide : 1. A copy of the communication ; 2. The date it was sent ; 3. The mailing or email address used ; 4. The mailing or electronic transmission records ; 5. Any returned-mail or undeliverability records ; 6. The date the collection was first furnished to XXXX and XXXX. After learning about the account and identifying the original creditor, I promptly contacted ONLINE and paid the entire claimed balance of {$240.00} on XX/XX/year>.…

I had an electric bill in my name in 2008. I moved and left my ex husband there. He left a bill. Over a year ago I went online to have the electric turning on at my grandmothers house after she, and later my uncle passed so we could start to fix up the house. I did this online. I was waiting for a turn on date, and when I never received one I called about it. Thats when I found out I had an old bill. My uncle prior to his death, ended up getting his electric turned off and tampered with this box to try and turn it back on. The lady said there would be a fee for that although anything my XXXX XXXX XXXXXXXX did has nothing to do with me. She told me how to dispute it. After a review by her, she stated I would have to pay it. She said once the total amount reflected on my credit report, and trying to be collected by some credit company, was paid then the electric would be turned on. I didnt pay it.…

I've been monitoring my credit report and I noticed Online Information Service which opened XX/XX/XXXX, stating that I owe {$800.00}, I don't know where this debt is coming from, I don't live in that address any longer so that debt belongs to the people who brought the home in XXXX XXXX XXXX XXXX XXXX, XXXX. I bought my new home in XXXX XXXX XX/XX/XXXX, the account was closed. I have not received any documentation of this debt and that is NOT MY DEBT. This affected my credit. I would like for this to be investigated and removed especially since they didn't even provide me with evidence of the debt which is not mine and it affected my score.

I had paid XXXX XXXX 2 payments of {$120.00} totaling {$250.00} I moved on XX/XX/year> to a new apartment on XX/XX/year> my nephew was staying with me and ended up on the XXXX XXXX at XXXX XXXX XXXX where he was admitted for two weeks after being diagnosed with XXXX XXXX XXXX XXXX. He has since undergone 2 XXXX one for a port on his XXXX to administer XXXX and an another XXXX to redirect his XXXX so he can flush out his waste through an XXXX XXXX he is XXXX XXXX XXXX and I am the only person he has that he can depend on. My head was not in the right place mentally or financially, I was paying as agreed then this situation came up and I totally forgot about my agreement. Since XX/XX/year> my nephew is dependent on me financially which has caused a huge financial burden on me. He applied for Social Security its a long process to be aproved.…

RE : Account Number : XXXX To Whom It May Concern, I am writing to dispute the validity and accuracy of the above-referenced account. I have reason to believe this debt does not belong to me. The account is associated with a XXXX XXXX service address at which I have never resided and for which I never authorized utility service. I dispute any claim that I opened, authorized, benefited from, or am otherwise legally responsible for this account. Please provide the following : The service address associated with the account. Documentation showing when the account was opened. Copies of any applications, agreements, or records bearing my signature. Documentation showing how my identity was verified when the account was established. A complete payment history and itemized accounting of the balance claimed. Any documentation proving that I requested or authorized utility service at the address in question.…

I called the collection agency because my boss and my landlord and my mother all received calls from these people trying to ask how to get ahold of me. Because I told them to stop calling me. I have never had there service. So I know I don't owe them any money.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ONLINE INFORMATION SERVI XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Phone # : XXXX Subject : Debt Validation Request for Account Number Dear Online Information Services, I am writing to formally request validation of the debt you claim I owe, related to account number I do not acknowledge this debt, and I am requesting that you provide me with proof of your legal right to collect it. Under the Fair Debt Collection Practices Act ( FDCPA ), you are required to validate the debt. Please provide the following information : 1. Proof of the original debt agreement : This should include a copy of the contract or agreement signed by me that details the terms and conditions of the debt. 2. Verification of the amount owed : Please provide a detailed breakdown of the amount you claim I owe, including all principal, interest, fees, and charges. 3.…

Yes, on XXXX XXXX. ONLINE INFORMATION SER ( XXXX XXXX ) put a collection debt of {$690.00}. On XXXX XXXX this same collection was already placed onto my credit. I did receive an email through XXXX that my account might have been affected by a security breach and when I checked this was the change I found.

This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

I recently discovered that an account was opened using my Social Security number without my knowledge or authorization. I became aware of the issue only after reviewing my credit report and finding an account associated with an address in XXXX, South Carolina, where I have never lived and have no connection. I did not apply for, authorize, or benefit from this account. Upon discovering the account, I immediately began disputing the information and reporting the matter as identity theft. The fraudulent account has negatively affected my credit profile and caused me concern regarding the security of my personal information. I am requesting that the company investigate this matter, provide documentation showing how the account was opened, remove any fraudulent charges or negative reporting associated with the account, and correct all information being reported to the credit bureaus.…

I am not liable for this debt with OKLAHOMA XXXX XXXX XXXX. I do not have a contract with ONLINE INFORMATION SERVICES. They did not provide me with the original contract as I requested.

Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect, you must cease all collection efforts and remove the information from my credit report.

Im not sure who this debt collector is trying to get me to pay it off. Ive never signed up for this.

I am disputing a collection account being reported by Online Information Services on behalf of XXXX XXXX XXXX XXXX in the amount of {$340.00} ( Account No. XXXX ). My current legal name is XXXX XXXX. My former name prior to marriage was XXXX XXXX. I do not recognize this debt and have concerns regarding the accuracy and ownership of the account. I have requested verification of this account, including the service address, dates of service, original application or service agreement, billing history, and documentation establishing that I am the responsible party. I have not been provided sufficient evidence demonstrating that I opened, authorized, or benefited from the services associated with this account. I am requesting a thorough investigation and complete verification of the debt.…

I am submitting this complaint regarding Online Information Services and a collection account in the amount of {$300.00} that is currently being reported on my consumer credit reports. I dispute the validity and accuracy of this account. Although the company is reporting this debt to consumer reporting agencies, I have not received sufficient documentation establishing that I am legally responsible for the alleged debt or that the balance being reported is accurate. The Fair Credit Reporting Act requires that information furnished to consumer reporting agencies be accurate and capable of verification. Additionally, consumers have the right to obtain information necessary to determine whether an alleged debt is valid and properly reported. Because this account is negatively affecting my credit profile, I believe the company should be able to provide documentation supporting the information being furnished.…

The information being reported by this collection agency is inaccurate and/or incomplete. I am requesting reinvestigation and deletion of unverifiable information.

I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

A XXXX XXXX account was placed on my credit profile and later reported by a collection agency even though the information associated with the account does not belong to me. The address connected to this account has never been associated with me on any of my identification documents, credit reports, utility accounts, or personal records. After reviewing my credit information, I disputed the account and requested validation and documentation showing that the account belongs to me. I specifically requested records showing the service address, account application, agreement, and identifying information used to open the account. The information being reported does not match my identity or credit profile. This appears to be inaccurate reporting or a mixed credit file issue. I previously had a similar issue involving an incorrect address removed after verification confirmed the address was not associated with me. Despite this, this account continues to be reported.

II am disputing an account that appears on my credit report because it was opened without my knowledge, authorization, or consent. I have never lived at the service address associated with this account and did not establish service with the original creditor, XXXX XXXX XXXX XXXX. I notified the debt collector that this account is the result of identity theft or fraud. Despite my dispute, the account was reported and/or verified as accurate with the credit reporting agencies. When I requested supporting documentation proving I opened or authorized the account, the debt collector was unable to provide documentation bearing my signature or other evidence showing I am responsible for the debt. I am requesting that the company : Conduct a reasonable investigation of my dispute. Provide all documentation they relied upon to verify the account. Cease reporting inaccurate information. Remove the account from my credit reports if they can not prove I am responsible for the debt.…

I am filing this complaint because this company is attempting to collect a debt that I do not legally owe due to identity theft. I never authorized or opened the account associated with this alleged debt, and the information being reported and collected is inaccurate and fraudulent.