Product: Debt collection

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, SC XX/XX/year> ONLINE INFORMATION S XXXX XXXX XXXX XXXX XXXX. 
XXXX, NC XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : **Dispute of Collection Practices by ONLINE INFORMATION SYSTEMS Violation of Consumer Protection Laws** Dear ONLINE INFORMATION SYSTEMS, I am writing to file a formal dispute regarding the actions of the debt collection agency **ONLINE INFORMATION SYSTEMS**, which are in violation of my rights under several federal laws. Specifically, I am concerned about the following violations : 1. **12 CFR 1006.34 ( b ) ( 5 ) ** **Prohibited Communication Practices** This section of the Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from communicating with a consumer in a manner that is harassing or oppressive. **ONLINE INFORMATION SYSTEMS** has repeatedly contacted me outside of the permissible hours of XXXX AM to XXXX PM and has used aggressive tactics, including multiple daily phone calls, despite my request to cease contact. 

2. **12 CFR 1006.34 ( c ) ( 4 ) ( i ) ** **Prohibited Communication After Request to Cease Contact** After I explicitly requested that **ONLINE INFORMATION SYSTEMS** cease communication via phone, they continued to contact me through phone calls, voicemails, and text messages. This continued harassment violates my right to request cessation of communication under this rule.

3. **12 CFR 1006.34 ( d ) ** **False or Misleading Representations** On several occasions, **ONLINE INFORMATION SYSTEMS** made false statements regarding the consequences of non-payment, including threats of legal action or wage garnishment without proper legal basis. These threats were misleading and in violation of the FDCPA, as they falsely implied legal action would be taken when, in fact, no such legal process had been initiated or was even likely.

4. **15 USC 1681s-2 ( 7 ) ( A ) ** **Reporting Information to Credit Bureaus** I also believe **ONLINE INFORMATION SYSTEMS** has failed to report the status of my debt accurately to the credit reporting agencies. Under the Fair Credit Reporting Act ( FCRA ), debt collectors are required to report accurate information. However, I have found discrepancies in the reporting of this account on my credit report, which I believe are due to inaccurate or incomplete information provided by this collection agency.

I respectfully request that the CFPB investigate the actions of **ONLINE INFORMATION SYSTEMS** and take appropriate enforcement actions to address these violations of federal law. I am enclosing copies of relevant documentation, including correspondence with the agency and my credit report, to support my claims.

Collection agency did not provide validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report.

Collection agency did not provide me the opportunity to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Collection agency is violating my consumer rights by using false misleading, misrepresentation, and deceptive means.

Collection agency has no authority to furnish any account to consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) I'm formally disputing owning any and all debts alleged by ONLINE INFORMATION SYSTEMS. I'm formally revoking all rights to communicate with me through email/texts/calls.

I'm formally requesting debt validation and the purchase agreement between ONLINE INFORMATION SYSTEMS and the original creditor.

I'm also formally requesting proof that ONLINE INFORMATION SYSTEMS is licensed and bonded. 

Please confirm receipt of this dispute and inform me of any actions you plan to take in response. 

Thank you for your attention to this matter. I look forward to your prompt resolution. 

Sincerely, XXXX XXXX Dated : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX