Consumer complaint received 2017-04-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc. (OH)

Complaint:
My loan application was denied : when I reviewed my credit history I notice there were no details on All the items listed on your report from my on line report no original creditor or documents listing.     Sectio n 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting.    In addition if you cant obtain this info you are required to delete this information off of my Credit report I reviewed a copy of my credit report and am disputing all items that need to be deleted. I have highlighted and numbered the se disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Online Information Service  #  XXXX .   Item #  Online Information Service #   XXXX  Reason for Deletion My loan application was denied : when I reviewed my credit history I notice there were no details on All the items listed on your report from my on line report no original creditor or documents listing that this are my items.   a. According to the provisions of the  Fair Credit Reporting Act 609 A1 E2 Validation and Disclosure 611 ( a ) [ 15 USC 1681i ( a )  ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.    1. Notwithstanding paragraph ( 2 ), a court may not impose any civil penalty on a person for a violation of Section 623 ( a ) ( 1 ) unless the person has been enjoined from committing the violation, or ordered not to commit the violation, in an action or proceeding brought by or on behalf of the Federal Trade Commission, and has violated the injunction or order, and the court may not impose any civil penalty for any violation occurring before the date of the violation of th e injunction or order.     2. Neither the Commission nor any other agency referred to in subsection ( b ) may prescribe trade regulation rules or other regulations with respect to this title.
b. Enforcement by Other Agencies   : Compliance with the requirements imposed under this title with respect to consumer reporting agencies, persons who use consumer reports from such agencies, persons who furnish information to such agencies, and users of information that are subject to subs ection ( d ) or   ( e ) of Section 615 shall be enforced under -- 1. Section 8 of the Federal Deposit Insurance Act [ 12 U.S.C.A. 1818 ], in the case of -- A. national ban ks, and federal branches and federal agencies of foreign banks, by the Office of the Comptroller of the Currency ;  XXXX  . member banks of the Federal Reserve System ( other than national banks ),   branches and agencies of foreign banks ( other than federal branches, federal agencies, and insured state branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, and organizations operating under Secti on 25 or 25 ( a ) of the Federal Reserve Act [ 12 U.S.C.A. 601 et seq., 611 et seq. ], by the Board of Governors of the Federal Reserve System ; and C. banks insured by the Federal Deposit Insurance Corporation ( other than members of the Federal Reserve System ) and insured state branches of foreign banks, by the Board ~ of Directors of the Federal Deposit Insurance Corporation ; 2. Section 8 of the Federal Deposit Insurance Act [ 12 U.S.C.A. 1818 ], by the Director of the Office of Thrift Supervision, in   the case of a savings association the deposits of which are insured by the   Federal Deposit Insurance Corporation.
3. the Federal Credit Union Act, by the Administrator of the National Credit Union Administration with respect to any federal credit union ; 4. Subtitle IV of Title 49, by the Secretary of Transportation, with respect to all carriers subject to the jurisdiction of the Surface Transportation Board ; 5. the Federal Aviation Act of 1958, by the Secretary of Transportation with respect to any I air carrier or foreign air carrier subject to that Act ; and 6. the Packers and Stockyards Act, 1921 ( except as provided in Section 406 of that Act ), by l the    Secretary of Agriculture with respect to any activities subject to that Act.   The terms u  sed in paragraph ( 1 ) that are not defined in this title or otherwise defined in Section 3 ( s ) of the Federal Deposit Insurance Act ( 12 U.S.C. 1813 ( s ) ) shall have the meaning given to them in Section l ( b ) of the International Banking Act of 1978 ( 12 U.S.C. 3101 ).
c. State Action for Violations : 1. Authority of states : In addition to such other remedies as are provided under state law, if the chief law enforcement officer of a state, or an official or agency designated by a state, has reason to believe that any person has violated or is violating this title, the state -- A. may bring an action to enjoin such violation in any appropriate United States district court or in any other coun of competent jurisdiction ; B. subject to paragraph ( 5 ), may bring an   action on behalf of the residents of the state to recover -- i. damages for which the person is liable to such residents under Sections
616 and 617 as a result of the violation ; ii. in the case of a violation of Section 623 ( a ), damages for which the person would, but for Section 623 ( c ), be liable to such residents as a result of the violation ; or damages of not more than {$1000.00} per 15 mins for each willful or negligent violation ; and C. in the case of any successful action under subparagraph ( A ) or ( B ), shall be awarded the costs of the acti    on and reasonable attorney fees as determined by the court.
2. Rights of federal regulators : The state shall serve prior written notice of any action under paragraph ( 1 ) upon the Federal Trade Commission or the appropriate federal regulator determined under subsection ( b ) and provide the Commission or appropriate federal regulator with a copy of its complaint, except in any case in which such prior notice is not feasible, in which case the state shall serve such notice immediately upon instituting such action. The Federal Trade Commission or appropriate federal regulator shall have the right -- A. to intervene in the action ; B. upon so intervening, to be heard on all matters arising therein ; C. to remove the action to the appropriate United States district court ; and D. to file petitions for appeal.
3. Investigatory powers : For purposes of bringing any action under this subsection, nothing in this subsection shall prevent t  he chief law enforcem  ent officer, or an official or agency designated by a state, from exercising the powers conferred on the chief law enforcement officer or such official by the laws of such state to conduct investigations or to administer oaths or affirmations or to compel the attendance of witnesses or the production of documentary and other evidence.
4. Limitation on state action while federal action pending : If the Federal Trade Commission or the appropriate federal regulator has instituted a civil action or an administrative action under Section 8 of the Federal Deposit Insurance Act for a violation of this title, no state may, during the pendency of such action, bring an action under this section against any defendant named in the complaint of the Commission or the appropriate federal regulator for any violation of this title that is alleged in that complaint.  
5. Limitations on state actions for violation of Section 623 ( a ) ( 1 ) : A. Violation of injunction required : A state may not bring an action against a person under paragraph ( 1 ) ( B ) for a violation of Section 623 ( a ) ( 1 ), unless- i. the person has been enjoined from committing the violation, in an action brought by the state under paragraph ( 1 ) ( A ) ; and ii. the person has violated the injunction.
B. Limitation on damages recoverable : In an action against a person under paragraph ( 1 ) ( B ) for a violation of Section 623 ( a ) ( 1 ), a state may not recover any damages incurred before the date of the violation of an injunction on which the action is based.     c.   
d. Enforcement under other authority : For the purpose of the exercise by any agency referred to in subsection ( b ) of this section of its powers under any Act referred to in that subsection, a violation of any requirement imposed under this title shall be deemed to be a violation of a requirement imposed under that Act. In addition to its powers under any provision of law specifically referred to in subsection ( b ) of this section, each of the agencies referred to in that subsection may   exercise, for the purpose of enforcing compliance with any requirement imposed under this title any other authority conferred on it by law. No twithstanding the preceding, no agency referred to in subsection ( b ) may conduct an examination of a bank, savings association, or credit union regarding compliance with the provisions of this title, except in response to a complaint ( or if the agency otherwise has knowledge ) that the bank, savings association, or credit ' union has violated a provision of this title, in which case, the agency may conduct an examination as necessary to investigate the complaint. If an agency determines during an investigation in response to a complaint that a violation of this title has occurred, the agency may, during its next 2  regu  larly scheduled examinations of the bank, savings association, or credit union, examine for compliance with this title.
e. Interpretive Authority : The Board of Governors of the Federal Reserve System may issue interpretations of any provision of this title as such provision may apply, to any persons identified under paragraph ( 1 ), ( 2 ), and ( 3 ) of subsection ( b ), or to the holding companies and affiliates of such persons, in consultation with federal agencies identified in paragraphs ( 1 ), ( 2 ), an  d ( 3 ) of subsec
tion ( b ) f. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color of the law.

Company response to consumer: Closed with explanation