Consumer complaint received 2018-12-18
Company: ONLINE Information Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a call from Online Information Services sometime in XXXX about an outstanding medical bill that was referred to their collection agency. I advised the representative that I was not aware of any medical balances as I had medical insurance. The representative advised that the amount would go on my credit report if I did not pay it immediately therefore I made an immediate payment arrangement to prevent any negative credit reporting. However, after noticing repeated credit denials over the past year, I checked my credit profile and noticed that Online Information Services had in fact reported the negative collection account. Not only did they report the account, they were also reporting it on my credit profile as 2 separate accounts. As I researched the account information, I again became concerned that I did not recognize the account. I contacted Online Information Services via certified mail dated XX/XX/XXXX, requesting that the company verify the 2 accounts. They responded to my initial correspondence on XX/XX/XXXX without adequate verification. I subsequently sent Online Information Services a second letter again requesting verification. They again responded on XX/XX/XXXX without adequate verification. Despite the assertions in their written communications, Online Information Services has not properly reported to the credit reporting agencies that I have disputed this account. FDCPA requires companies to report the dispute within 30 days. The certified mail was signed and received by the company but the certified receipt was not dated by the signatory. Despite this, Online Information Services replied to my initial dispute in a letter dated XX/XX/XXXX. This is evidence that they received my dispute on or before XX/XX/XXXX. Also, despite repeated requests, Online Information Services continue to refuse to provide adequate verification of the information they are reporting on my credit profiles. They continue to mail me copies of bill printouts without providing original signed agreements or proof that they had the right to collect the debt. I have also contacted my health insurance company regarding this alleged medical bill. My health insurance company does not have any claims indicated from the date of service being reported by Online Information Services. All my medical bills would be first submitted to my health insurance company to file a claim for payment. My insurance company is denying that a claim has ever been submitted. Online Information Services has also left a host of critical information blank on my credit profile such as the account " balance. '' The account numbers that Online Information Services have reported to the credit bureaus are not reported completely ( numbers end in multiple x 's ). The partial/incomplete account numbers that Online Information Services have reported to the credit bureaus do match any of the numbers indicated on the billing statement they sent to me in response to my request for account verification. Online Information Services is also reporting the account type as " No Info '' to some credit reporting agencies while reporting it as " Collection '' with other credit reporting agencies. Online Information Services has reported a host of other conflicting information between the varying credit reporting bureaus. For example, the date that the account was opened is different between reporting agencies. They have reported to XXXX  that the account was opened XX/XX/XXXX which is different from the dates they report on the billing statement they sent as verification and different than the information that they have reported to XXXX  and XXXX. They also have their company address listed different between the various credit reporting agencies. My XXXX  profile indicates that Online Information Services closed the account XX/XX/XXXX ( more than a year after their bill printout indicated full payment was received ),  which is not what they indicated in their verification letter and is inconsistent with the information reported to the other credit reporting agencies. This could possibly extend this item on my credit profile an additional year.

Company response to consumer: Closed with non-monetary relief