Consumer complaint received 2024-07-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc. (SC)

I am filing this complaint in response to a collection that was placed on my credit report on XX/XX/2024. I have no knowledge of any information you sent to me regarding my right to dispute this debt. I called on XX/XX/2024 to confirm if communication was sent. The representative explained that a letter was sent the first week of XXXX, but was unable to provide a specific day. Additionally the representative was unable to provide any confirmation that I had received the letter. The representative stated that the letter was sent by regular mail and did not have a tracking number attached or a delivery receipt. I can attest that I never received a letter from your company regarding this debt and my right to dispute this debt. This is a violation of my rights under the FCRA. The company has commented on my account that I am disputing the information making my dispute formally recognized by the credit reporting agency. I am requesting you provide the following information to me : Please provide these details about why you think I owe the debt and to whom I owe it Details about the creditor to whom the debt is currently owed : Their name and address, the account number they are using for the debt, and the amount owed. 
Details about the original creditor when the debt was created : If the debt originated with a different creditor, provide the original creditors name and address, the account number they used, and the amount owed to them at the time the debt was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from their official name. In addition, please tell me when the current creditor obtained the debt and who the current creditor obtained it from. 
Details about the original debtor ( for debts on someone elses behalf ) : If you are asking me to pay a debt that somebody else is or was required to pay, please identify that person. 
Verification and documentation : Please provide valid documentation to demonstrate that I am required to pay the debt to the current creditor ( e.g., a copy of the written agreement that created my original requirement to pay ). If the debt belongs to someone else, please provide verification and documentation to show that I am required to pay this debt. 

Details regarding the amount of the debt The amount of the debt when you obtained it : Please confirm this. 
A breakdown of the total amount due : Showing principal, interest, and other charges Itemization for added amounts : If any additional interest, fees, or charges have been added since the last billing statement from the original creditor, please list these ( including dates and amounts ). In addition, please explain how the added interest, fees, or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 
Itemization for deducted amounts : If there have been any payments or other reductions since the last billing statement from the original creditor, please list these ( including dates and amounts ). 
Itemization for other changes : If there have been any other changes or adjustments since the last billing statement from the original creditor, please specify these. 
The last billing statement sent to me by the original creditor : Please provide a copy of this document. 
Other verification and documentation : Please provide full verification and documentation of the amount you are trying to collect, and explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 

Details regarding the age of the debt Relevant dates : Please tell me when you obtained the debt, when the creditor claims it was due, when it became delinquent, and when the last payment was made on this account. 
The statute of limitations : Have you made a determination that this debt is within the statute of limitations applicable to it? Please tell me when you think the statute of limitations expires for this debt and how you determined that. 

Evidence of your authority to collect this debt Local debt collection licensing : Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 
Nonlocal debt collection licensing : If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license ; the name on the license ; the license number ; and the name, address, and telephone number of the state agency issuing the license. 

I wish to have this information and documentation from you so that I may make an informed decision about whether I owe this money. In the meantime, please treat this debt as being in dispute and under discussion between us. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report.