Consumer complaint received 2021-05-20
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX I received a notification from XXXX XXXX that my scores got down due to a collection agency reporting a debt. Right away I opened the site and showed ONLINE INFORMACION SERVICES, named as ONLINE COLLECTIONS who flagged my account for a debt of {$93.00} and another for {$270.00}. I opened the XXXX credit Bureau XXXX XXXX and XXXX and showed in all of them with a drop of XXXX point of my score. I had no idea what was this, so I opened a dispute to XXXX XXXX XXXX  as an Unfair debt. Right away I called this company as their information was showed in the report. I spoke with a representative named XXXX, she told me they were representing XXXX XXXX XXXX with a " legit '' debt, I explained to them that I have NO DEBT with them or any XXXX XXXX, since the last time I received services was in XXXX XXXX XXXX XXXX and my debt was totally with {$0.00} balance. The person asked me to send them a verification of that, which I agreed to do. Right away I called to DIAGNOSE IMAGING SERVICES and spoke with XXXX XXXX from billing department, they told me that I owed a service offered by their radiologist in the Hospital on XX/XX/XXXX and XXXX, XXXX. I explained to them that I had a letter and the information of the Hospital showing my entire balance in {$0.00} after I received Financial Assistance. XXXX XXXX told me then to send them those documents, which I agreed to do. Right away I called also to XXXX XXXX XXXX XXXX, and spoke with the billing Department representative XXXX, who verified for me that I had NO DEBT at the present moment, and she mentioned having no idea why this went to collection. I asked her to send me the prove that my account was with {$0.00} balance, and she did it right away by send me the bill through my email. Using that information, I wrote a letter to XXXX XXXX XXXX ONLINE INFORMATION SERVICES, XXXX XXXX XXXX, with copy of the documents and all that I have explained here. Still as yesterday Mat XXXX I saw ONLINE COLLECTION flagging me again through XXXX and my credit was XXXX. I got so frustrated because I am trying to get a second job and this unfair report is showing wrong information. Today XX/XX/XXXX I called again to ONLINE INFORMATION SERVICES and spoke with XXXX, and I explained to her again about all I mentioned here. I am not sure if they have not received my documents yet. I went online to look for who is this collection company and what is the veracity of their action, and for my surprised I saw they have already complaints reported here in CFPB. If you need me to send you all the documents to prove that at this present moment I have my balance in {$0.00}, please let me know. As well, as I am asking for help to clean again my credit and allow me to continue building my credit as I have been done even during the difficult time we all went through during pandemic. THANKS for helping us as consumers with this unfair situations. Blessings.

Company response to consumer: Closed with explanation