Consumer complaint received 2024-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
This cause of action is for damages based upon Online information services deceptive conduct and efforts to collect a debt, Online information services false and misleading representation to collect a debt, Online information services failed to comply with the fair debt collection practices act ( FDCPA ), section 15 U.s.c 1692c, by way of governing communication between a debt collector and consumer without my prior consent from the consumer, and deceptive and unfair debt collection practices by way of causing my reputation to be defamed due to Online information services extortionate means to collect a debt. I am bringing this notice to Online information Services attention to demand that you immediately cease all communication with me regarding the alleged debt you are attempting to collect, and to inform you that you are in violation of the fair debt collection practices act 15 U.S.C 1692c by way of governing communications between a debt collector and a consumer without the prior consent from the consumer, and in violation of 18 U.S.C 892 by way of gaining extortionate means to collect a debt by extortion of credit. Under the FDCPA, debt collectors are required to obtain prior consent from consumers before communicating with them regarding a debt. You have failed to obtain such consent from me, and as such, your attempts to contact me are in violation of the law. I demand that you immediately cease all communication with me regarding this debt, and that you provide written confirmation that you will no longer attempt to contact me through any medium including consumer reporting agencies XXXX, XXXX, XXXX. Furthermore, you have violated 18 u.s.c 892 by attempting to collect this debt by extortionate means. Specifically, I believe that you have threatened to harm my credit score or take other actions that would be harmful to me in order to pressure me into paying the alleged debt. This behavior is illegal and unacceptable, and I demand relief and that you cease such practices immediately.

I demand : 1.Online Information services to advise CRAs ( Consumer reporting agencies ) that there debt collection activities are being terminated and to remove trade line 2.purchase agreement of the alleged debt.

3. {$1000.00} for failure to comply with the provisions of the FDCPA ( Fair debt collection practices act ) sub chapter 15 u.s.c 1692c, 15 u.s.c 1692k If you fail to comply with my demands to resolve these matters between us, I will be forced to take legal action to protect my rights. I reserve the right to seek actual damages sustained by online information services and such additional damages as the court may allow, but not exceeding {$1000.00}, and other remedies under the law. Please confirm in writing within 15 business days that you have received this letter and that you will cease all communications with me regarding this debt, including communications through any medium. 
Done in good faith Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation