Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
Demand for Chain of Assignment and Account-Level Documentation Under FCRA ONLINE INFORMATION SER XXXX To Whom It May Concern : I am writing to formally request the full chain of assignment and all account-level documentation pertaining to the above-referenced account, which ONLINE INFORMATION SER XXXX is currently reporting on my credit file as a collection account with a balance of {$1300.00}, allegedly past due. 

This demand is made pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) and 1681g ( a ) ( 1 ), which require furnishers of information to provide consumers with the documentation supporting reported accounts, especially when the accuracy of such reporting is being disputed. The FCRA imposes a strict obligation on furnishers like ONLINE INFORMATION SER to ensure any data reported to consumer reporting agencies ( CRAs ) is accurate and verifiable. See 15 U.S.C. 1681s-2 ( b ) ; see also XXXX v. XXXX & XXXX, XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX 

Additionally, under 15 U.S.C. 1681g ( a ) ( 1 ), I am entitled to all information in my consumer file, including the sources of such information. This includes, but is not limited to, the chain of assignment and any documentation demonstrating that ONLINE INFORMATION SER has the legal authority to collect and report this alleged debt. 

To date, I have not received any documentation that substantiates the validity of this account. Specifically, I am requesting : The complete chain of assignment from the original creditor to ONLINE INFORMATION SER XXXX. 

A copy of the original account agreement or contract, bearing my signature. 

A complete and itemized payment history, including all fees, charges, and interest assessed. 

All notices of assignment or debt transfer issued to me, as required by law. 

Any other supporting documentation validating the current balance, reported status, and date of account opening. 

Demand for Documentation : Within 30 days of receiving this letter, ONLINE INFORMATION SER must provide : All documents evidencing ownership and authority to report or collect this alleged debt. 

A full accounting of the debt, from origination through to the present balance of {$1300.00}. 

Confirmation of the accounts opening date and past-due status, if applicable. 

Failure to provide this documentation may result in a violation of the FCRA, subjecting ONLINE INFORMATION SER to statutory damages of up to {$1000.00} per violation, actual damages, punitive damages, and reasonable attorneys fees under 15 U.S.C. 1681n and 1681o. Continued reporting of unverifiable or inaccurate data may also constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C. 1692e, which prohibits any false, deceptive, or misleading representation in the collection of debts. See XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Preservation of Evidence : ONLINE INFORMATION SER is hereby instructed to preserve all related records, including electronic files, internal communications, and any correspondence with third parties or CRAs. Alteration or destruction of such evidence may constitute spoliation and result in legal sanctions. 

Please send all responses and documentation to the address listed above. If ONLINE INFORMATION SER fails to comply, I am prepared to seek legal remedies under the FCRA, FDCPA, and applicable state laws. 

Govern yourselves accordingly.

Company response to consumer: Closed with non-monetary relief