Consumer complaint received 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ONLINE Information Services, Inc.
State: MI

Complaint narrative:
I XXXX XXXX after Doing my studies and research, I have discovered many violations and fraud including identity theft against my consumer credit report. I have disputed these accounts before and this account is still in major violations of my consumer rights. The consumer reporting agency XXXX XXXX and XXXX is in violation of the Privacy Act of 1974, Fair Credit Reporting Act and According to IRS publication accounts that are charged off/sold off are considered certificate of indebtedness which is income and income can not be reported on my consumer credit report. All charged off accounts are to be deleted immediately for proper tax filings. I have previously opted out of all communication sharing of my information previously. The company ignored my opt-out request. I have listed some of the violations to which these charged off accounts are to be immediately removed. The CFPB has the responsibility to the rules and regulations concerning violation of consumer rights as well as violation of federal and state laws. 16 CFR 444.2 - Unfair credit practices 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In General Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( XXXX ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 17 CFR 248.7 - Form of opt out notice to consumers ; opt out methods. ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 248.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a non affiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. 15 U.S. Code 1692- Congressional findings and declaration of purpose ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. I have to right to compensation per violation per month reporting. I have a right to file complaint with the Attorney General, FTC, and the SEC for XXXX constant violations and fraud as well as identity theft. The law allows me to receive up to {$1000.00} per violation. The law also allows me to seek compensation due to hardship, mental anguish, extreme, stress, which affected me and my kid's/family stress cause me to be on multiple XXXX XXXX medicines loss of fair and equal opportunity of credit extension. XXXX XXXX XXXX XXXX XXXX XXXX is in violation I would like an original signature that I agree signed with ink on paper for them to put anything on my credit files. No computer generated signatures or an original sign document only. As according to USC 15-1611 misleading and defamation of character is illegal. This will cause me medical issues including mental anguish and stress. And discrimination.

Company response to consumer: Closed with non-monetary relief