Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX Phone : XXXX Date : XX/XX/year> To : XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Re : Formal Dispute XXXXXXXX XXXX XXXX XXXX Online XXXX XXXX NOTICE OF FORMAL DISPUTE AND DEMAND FOR IMMEDIATE REMOVAL Dear Online Collections XXXX, I am writing to formally dispute the reporting of the account originally owed to XXXXXXXX XXXX XXXXXXXX and subsequently assigned/sold to Online XXXX XXXXXXXX. This account is unvalidated, duplicated, unlawfully reported, and defamatory, violating multiple federal statutes, specifically 15 U.S.C. 1681 ( FCRA ) and 15 U.S.C. 1692 ( FDCPA ). 

Account in Dispute XXXX XXXX XXXX / Online XXXX XXXX Violations of Federal Law : 15 U.S.C. 1681e ( b ) failure to ensure maximum possible accuracy in reporting.

15 U.S.C. 1681i ( a ) failure to investigate disputed information properly.

15 U.S.C. 1681s-2 ( b ) failure of furnishers to correct, update, or delete inaccurate, duplicate, or unverified information once notified of a dispute.

15 U.S.C. 1681c-2 reporting of inaccurate, outdated, or unverifiable information.

15 U.S.C. 1692e, 1692e ( 8 ), 1692f, 1692g ( b ) reporting unverified or false debt, using misleading, unfair, and unlawful collection practices.

Why/How : The debt was reported without proper validation by either XXXXXXXX XXXX XXXXXXXX or Online XXXX XXXX. Reporting unverified debt is illegal under FDCPA and violates FCRA requirements for maximum possible accuracy. 

This account has been duplicated across reporting systems ( double reporting ), constituting an unlawful attempt to collect a debt multiple times. This is illegal under FCRA 1681e ( b ), 1681i ( a ) and FDCPA 1692e.

I demand that the original purchase/assignment agreement with my wet signature be provided. If this documentation can not be produced, the account must be immediately deleted, as reporting an unverified assignment is a direct violation of federal law. 

Reporting unverified, duplicated, and unlawfully assigned debt constitutes defamation of my character, causing severe emotional distress and financial hardship, including difficulty obtaining credit, housing, and other essential services. 

My only address is XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX. Any reporting associated with other addresses is inaccurate, unauthorized, and further defamatory. 

This account represents a duplicate and unlawful attempt to collect, and this is unacceptable under federal law. It must be removed immediately. 

Action Required : Provide full documentation verifying the debt, including the original purchase/assignment agreement with my wet signature, or Delete all reporting related to this account immediately from my XXXX credit file, as continued reporting without verification is illegal, defamatory, and a duplicate unlawful attempt at collection. 

Legal Basis for Immediate Removal Under federal law : 15 U.S.C. 1681e ( b ), 1681i ( a ), 1681s-2 ( b ), 1681c-2 requires maximum possible accuracy, proper investigation of disputed items, and deletion of unverifiable, inaccurate, or duplicated information.

15 U.S.C. 1692e, 1692e ( 8 ), 1692f, 1692g ( b ) prohibits false, misleading, or unfair collection practices, including reporting unverified or duplicated debts.

Reporting this account without wet signature documentation or with duplicate entries is illegal, defamatory, and materially damaging. It constitutes an unlawful attempt to collect a debt.

Demand You are hereby given 15 calendar days from receipt of this letter to : Delete all negative reporting related to this account, including duplicates and any unlawful collection attempts, or Provide full, verifiable documentation, including the original purchase/assignment agreement with my wet signature. 

Failure to comply will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Florida Attorney Generals Office for violations of : 15 U.S.C. 1681e ( b ), 1681i ( a ), 1681s-2 ( b ), 1681c-2 ( FCRA ) 15 U.S.C. 1692e, 1692e ( 8 ), 1692f, 1692g ( b ) ( FDCPA ) This letter is a formal dispute of all reporting related to this account, which is inaccurate, unvalidated, duplicated, unlawful, defamatory, and causing severe emotional and financial hardship. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation