Consumer complaint received 2015-10-22
Company: ONLINE Information Services, Inc.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On XX/XX/XXXX, Online Collections signed for and received a certified letter from me in which I explained to them that I was disputing the debt that they had placed on my credit report and was requesting validation and removal of the account due to reporting errors and the account being beyond the statute of limitations in the state of Arizona which is 3-6 years depending on debt type. I further requested something with my signature in order to prove that the account was even mine. The sent me a statement that only showed what they say I owed and that was pretty much it. The date of the account that they placed on my credit report was XX/XX/XXXX and the account was for electrical service from the XXXX XXXX XXXX in Arizona. My family moved out of XXXX in XX/XX/XXXX. I called Online Collections on XX/XX/XXXX and spoke with their Assistant Manager ( Ca n't remember his name ) and explained to him that I had moved out of AZ in XX/XX/XXXX and had requested that the electric and water be shut off at that time and that they would have owed me money from the deposit, not me owing them. I further explained to him that the account was reported as opened in XX/XX/XXXX which is a violation of the FCRA and FDCPA due to the account actually being from XX/XX/XXXX and the account needed to be removed immediately from my credit reports. He was rude and would not cooperate with helping me at all. I then filed a complaint with the XXXX ( XXXX ) on XX/XX/XXXX after speaking with and getting no assistance from their Assistant Manager. In the response on XX/XX/XXXX from the XXXX, they did not answer the complaint, only requested that I call and speak with their manager, XXXX XXXX. I called and spoke with XXXX XXXX and he was professional but refused to help even after I explained to him that the tradeline was reported incorrectly and in violation of the law as well as beyond the statute of limitations. I then explained to him that he was leaving me with little choice but to go ahead and file a lawsuit in order for this to be corrected. He then advised me that if that was what I wanted to do, OK. I then made contact with a consumer attorney in XXXX, AZ ( XXXX XXXX ). XXXX XXXX advised me that this would be a slam dunk, easy case to win. He then asked me if what I wanted was for the credit report to be fixed or if I wanted to win damages. I explained that all I really wanted was the account removed from my credit reports. He then recommended that I contact the XXXX due to me living in XXXX and the collection agency being located in North Carolina and the litigation would have to take place in AZ. He advised that it would cost me {$3500.00} - {$4000.00} in attorney 's fees in order to get this lawsuit filed and litigated. Then I would have to travel back and forth from AZ for the litigation and if all I wanted was the tradeline removed that the XXXX was what I should try first. I do not want Online Collections money ( it wouldnt hurt ) but I want this removed from my credit reports. I did not retain XXXX XXXX in lieu of attempting one last effort of resolving this issue without litigation. Please help me. 

I am attaching a copy of the original letter that I sent to online collections as well as the XXXX complaint. 

Thank you

Company response to consumer: Closed with explanation