Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX Re : Dispute of Inaccurate Collection Account Account # XXXX Creditor : XXXX XXXX CompanyReported to : XXXX XXXX XXXX Dear [ Online information service This letter serves as formal notice of my dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and all applicable state and federal consumer protection laws, including compliance with XXXX XXXX reporting standards and the Online XXXX for Complete and Accurate Reporting ( e-OSCAR ) system. I am disputing the accuracy, completeness, and verifiability of the above-referenced collection account reported on my credit files with XXXX XXXX and XXXX. This account is inaccurately reported as a collection with a balance of {$320.00}, opened on XX/XX/XXXX, last active XX/XX/XXXX ( or XX/XX/XXXX on XXXX  ), and showing a XXXX late delinquency without any corresponding XXXX, XXXX, XXXX, or XXXX late notations in the payment history. 
Specific Inaccuracies and Violations The reported information is inaccurate, incomplete, and unverifiable for the following reasons : 1. Inaccurate Delinquency Reporting and Missing Incremental Late Payments : The account shows a XXXX late status without any prior XXXX, XXXX, XXXX, or XXXX delinquencies in the extended payment history ( which is blank or incomplete for the relevant periods ). Under XXXX XXXX compliance standards ( as outlined in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), delinquent accounts must include the proper status code ( e.g., XXXX for XXXX  days, XXXX for XXXX  days, XXXX for XXXX  days, XXXX for XXXX  days, XXXX for XXXX  days, XXXX for XXXX  days ), amount past due, Date of First Delinquency ( DOFD ), and payment history reflecting the delinquency progression in each reporting cycle. 15 16 20 This omission violates FCRA 1681e ( b ), which requires consumer reporting agencies ( CRAs ) and furnishers to follow reasonable procedures to assure maximum possible accuracy of information. 0 Additionally, the incorrect DOFD violates 15 U.S.C. 1681c ( a ) ( 4 ), as negative information must be reported with the accurate date of delinquency commencement, and furnishers must notify CRAs of the DOFD within 90 days of reporting a delinquent account under 15 U.S.C. 1681s-2 ( a ) ( 5 ). 50 2. Failure to Provide Pre-Reporting Notice : As the furnisher ( or agent of XXXX XXXX XXXX ), you failed to provide me with notice at least 30 days before furnishing negative information such as this delinquency or collection status, in violation of 15 U.S.C. 1681s-2 ( a ) ( 7 ). 1 I received no such notice, and this reporting constitutes misleading and inaccurate communication. 
3. Inaccurate Account Status and Role Reporting : The account is reported as Open account - Collection with status codes like XXXX or Credit grantor can not locate consumer, which do not accurately reflect my role or the accounts true status under XXXX XXXX ( e.g., no proper Portfolio Indicator or ECOA Code ). 15 23 This violates FCRA 1681e ( b ) and 1681s-2 ( a ) ( 1 ), prohibiting furnishers from reporting information they know or should know is inaccurate. 0 2 4. Unverifiable Information via e-OSCAR : The reporting appears to have been uploaded through the e-OSCAR system without proper verification, including no method of verification provided to me upon request. Under FCRA 1681i ( a ) ( 1 ) ( A ) and 1681s-2 ( b ), you are required to conduct a reasonable investigation, review all dispute information, and delete unverifiable items within 30 days ( or 45 days if I provide additional information ). Automated XXXX checks without original documents do not constitute a reasonable investigation, as affirmed in cases like XXXX XXXX NCNB Natl Bank of N.C. ( No. 05-23670-CIV, S.D . Fla. 2006 ), where courts held that furnishers must verify accuracy beyond mere confirmation codes. 21 3 Federal Rule of Evidence 1002 ( Best Evidence Rule ) requires original documents for verification under 15 U.S.C. 1681s-2 ( b ) ; no originals have been provided, rendering the late payments illegitimate.

5. FDCPA Violations for Inaccurate Reporting and Collection : Reporting this unverified debt to CRAs without validation violates FDCPA 1692e ( 8 ), which prohibits false or misleading representations about the debts character, amount, or status, including inaccurate credit reporting. 40 41 45 This includes the false implication of delinquency progression and balance owed. Under FDCPA 1692g ( b ), collection activity ( including reporting ) must cease until validation is provided, which has not occurred.

6. Timing of Payments and Statement Delivery Violations : If this account stems from an open-end consumer credit plan, the reporting ignores 15 U.S.C. 1666b, requiring statements mailed at least 21 days before the due date, timely payment crediting by 5:00 p.m. on the due date, and no late fees without reasonable procedures for delivery. 1 No evidence of compliance with 12 CFR 1026.13 ( periodic statements ) or 15 U.S.C. 1637 ( a ) - ( b ) has been provided.

7. Electronic Communication and Wire Fraud : Uploading false delinquency data via XXXX constitutes misleading electronic communication in interstate commerce, violating 18 U.S.C. 1343 ( Wire Fraud ), as it involves knowing transmission of false information for financial gain. 60 8. Reservation of Rights : All actions taken herein are without prejudice and under reservation of rights pursuant to UCC 1-308, preserving my right to contest this matter without waiver. 36 38 These inaccuracies have caused me actual damages, including emotional distress, denial of credit opportunities, and increased borrowing costs. In XXXX v. Branch Banking & Trust Co. ( 827 F.3d 292, 4th Cir. 2016 ), courts awarded damages for similar inaccurate delinquency reporting leading to permanent deletion. 3 Willful violations under FCRA 1681n entitle me to statutory damages of {$100.00} {$1000.00} per violation, plus punitive damages, attorneys fees, and costs. 6 9 Demands Pursuant to FCRA 1681i ( a ), 1681s-2 ( b ), and FDCPA 1692g ( b ) : 1. Conduct a full, reasonable investigation within 30 days, including review of original documents ( not automated XXXX codes ), and provide me with the method of verification used. 
2. Permanently delete the entire account from my credit files with all three CRAs, as it can not be verified.

3. Cease and desist all debt collection activities, including phone calls, emails, internet communications, regular mail, and further credit reporting, under FDCPA 1692c ( c ) and 1692g ( b ).

4. Provide written confirmation of compliance, including proof of deletion sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
5. Compensate me {$5000.00} for actual and statutory damages due to these willful violations.

Enclosed : Copies of my credit reports from all three CRAs with disputed items highlighted ; [ any supporting documents, e.g., proof of payments or lack of notice ].

Failure to comply will result in a lawsuit in federal court for FCRA and FDCPA violations, seeking actual damages, statutory penalties, punitive damages, and attorneys fees. I have notified the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state attorney general of this dispute. 
This is an attempt to resolve this matter amicably. Respond in writing within 30 days

Company response to consumer: Closed with explanation