Consumer complaint received 2023-01-12
Company: ONLINE Information Services, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Online Information Services ( OIS ) is in violation of its statutory duties to report information to consumer reporting agencies accurately under 15 U.S.C. 1681s-2 ( responsibilities of furnishers of information to consumer reporting agencies ) and in violation of your statutory duty to engage in lawful debt collection practices under 1692e ( false or misleading representations ). 

Original Creditor initially billed me one total amount of {$7900.00} for nine daily consultations and XXXX discharge consultations by physicians over XXXX calendar days ( XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ). This debt was assigned XXXX account number by the Original Creditor, meaning the Original Creditor conceived of and assigned it to OIS as one singular debt. 

For inexplicable reasons, OIS chose to arbitrarily divide the unified debt into its daily components and report them to XXXX, XXXX, and XXXX as if they were XXXX separate unrelated debts. 

The debts have been reported to each of the consumer reporting agencies as if they had different account numbers in the first place, artificially advancing the notion that they were separate debts in the first place, when they were not. 

Even assuming arguendo that the debt was valid in the first place, the only effect of this needlessly arbitrary division and reporting has been to cause maximum damage to my consumer credit reports, because they falsely insinuate that I has allowed XXXX separate debts to go into collections rather than XXXX debt, at best. 

I have suffered a XXXX XXXX in my credit score because of this specific set of false reports and am currently unable to engage in any meaningful new debt servicing despite the fact that my credit report shows a XXXX XXXX of positive financial practice. 

This method of reporting is on its face a false representation of the character of the debt. See 15 U.S.C. 1692e ( 2 ) ( A ). By artificially dividing one debt into XXXX, it is also by definition a false representation of the character and amounts of XXXX nonexistent debts. See id. 

This arbitrary and means of debt reporting also constitutes a false representation or implication that I, as the consumer committed other conduct in order to disgrace me. See id. at 1692e ( 7 ). Namely, even if I am responsible for XXXX discrete debt, this method creates the false implication that I ignored XXXX other debts and allowed them to go into collections. 

The same facts demonstrate that OIS is also in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ), which requires accurate reporting of information to the consumer reporting agencies. 

Subsection ( A ) mandates that [ a ] person shall not furnish any any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. OIS absolutely knows or has reasonable cause to believe that the information is inaccuratefor the same reason that I can demonstrate that the Original Creditor billed me for one debt in the first place.

Company response to consumer: Closed with explanation