Consumer complaint received 2024-07-24
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc. (LA)

Debt Collector : Online Information Services Reported Amount Owed : ( {$1400.00} ) XX/XX/2024 Action Taken : Dispute Mailed to XXXX, XXXX, and XXXX Details : I never had a contract with this debt collector for any debt. 
Requested proof from the original creditor that Online Information Services owns this debt and has the legal authority to collect it. 
Requested deletion of the account if proof could not be provided. 

XX/XX/2024 Action Taken : Second Dispute Mailed to XXXX, XXXX, and XXXX Details : Reiterated that I never had a contract with this debt collector for any debt. 
Requested proof of the original creditors authorization for Online Information Services to collect the debt. 
Expressed disagreement with the results of the initial investigation. 
Requested proof of the investigation and the debt collectors legal right to collect, or deletion of the account. 

XX/XX/2024 Action Taken : Third Dispute Mailed to XXXX, XXXX, and XXXX Details : Disputed the amount and open date of the account. 
Requested the last billing statement from the original creditor showing the amount due and the due date. 
Demanded deletion of the account if the requested documentation could not be provided. 

****Violations of Federal and State Laws**** Federal Violations : 1. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( a ) : Online Information Services failed to provide me with a written notice containing the amount of the debt, the name of the creditor, and a statement of my rights within five days after initially contacting me about the debt.

15 U.S.C. 1692e ( 8 ) : Reporting false information about the debt ( incorrect amount and open date ). 
2. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ) : Failure to conduct a reasonable investigation of my disputes, as evidenced by the generic response verified without providing requested documentation.

Louisiana State Violations : 1. Louisiana Consumer Credit Law LRS 9:3562 : Online Information Services engaged in deceptive practices by reporting incorrect debt information without proper validation.

LRS 9:3571.1 : Failure to provide required information regarding the debt before reporting it to credit bureaus. 

**Poor Verification Methods by Credit Bureaus** Despite multiple disputes, the credit bureausTransUnion, XXXX, and XXXX failed to provide the documentation I requested. Their responses stating the account is verified without providing proper validation or investigation are not only inadequate but also a violation of my rights under both federal and state laws. This constitutes poor verification methods and a disregard for consumer protection laws. 

**Intent to Exercise Legal Rights** I know my rights under federal and state laws. If this account is not removed from my credit report or the requested documentation is not provided with all the details I have requested, I will exercise my legal rights. This includes pursuing legal action against both Online Information Services and the credit bureaus for the following violations : Legal Actions Against Debt Collector : FDCPA Violations : Failure to validate the debt, failure to provide required notice, false reporting. 
FCRA Violations : Failure to investigate disputes properly. 

Legal Actions Against Credit Bureaus : FCRA Violations : Failure to conduct a reasonable investigation and provide requested documentation.

Louisiana Consumer Credit Law Violations : Deceptive practices and non-compliance with state laws. 

This detailed summary outlines the steps I have taken to resolve the dispute, the laws violated by Online Information Services and the credit bureaus, and my intent to exercise my legal rights if the requested documentation is not provided. Despite multiple disputes, I have not received any of the information or documentation I have requested from any party involved. Furthermore, I never received any information about this collection account before it was reported, which is a violation of my rights under both federal and state laws.