Consumer complaint received 2023-05-05
Company: ONLINE Information Services, Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Date XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX ONLINE INFORMATION SERVICES XXXX XXXX XXXX XXXX, NC XXXX To Whom It May Concern : This is concerning Account Number : XXXX I previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and have never received alleged account information. This does not begin to fulfill my information request and your requirement to provide the requested documentation. Your effort is inadequate and does not meet Federal Trade Commission debt validation guidelines. 
Per the Federal Credit Reporting Act. Section 609 ( a ) ( 1 ) ( a ). you are required by Federal law to Verify- through physical verification of the original signed consumer contract and/or judgement ( s ) - all accounts and public information that you attempt to post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As Such, this unauthorized public record information needs to be deleted. I have already filed a complaint with the Federal Trade commission and will follow with a Consumer Financial Protection Bureau Claim you failed to respond within 30 days verifiable proof and evidence thats satisfies Federal Trade Commission debt validation guidelines.

The FTC has noted that providing a copy of a printout, bill, or alleged account documents does not constitute validation. Mere itemization of what you already have does not accomplish my requested debt validation. 
Since you have failed to provide me with ALL the following points of information all COLLECTION ATTEMPTS MUST STOP and all information that pertains to Account Number : XXXX, Name, DOB, SSN must be deleted /IMMEDIATELY REMOVE/delete tradeline : 1. Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you.

2. The agreement bearing my signature stating that I have agreed to assume the debt from Original creditor or XXXX XXXX XXXX 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations in ( Iowa ) has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent or Agent of Service.

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees.

If I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of several of the FCPDA and consumer laws, and are now subject to fines of {$1000.00} or more per violation, plus actual damages and attorneys fees. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation