Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #18208227
Complaint Overview
Complaint ID: 18208227
Company: Online Information Services, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Texas
ZIP Code: 77004
Date Received: 2025-12-21T12:00:00-05:00
Date Sent to Company: 2025-12-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
IDENTITY THEFT & FCRA VIOLATION NOTICE 15 U.S.C. 1681c-2 From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : XXXX Phone : XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB XXXX XXXX. XXXX XXXXXXXX XXXX XXXX DC XXXX XXXX XXXX XXXX Notice of Identity Theft & Demand for Blocking 15 U.S.C. 1681c-2 This email serves as formal notice that the collection account listed below is the result of identity theft. I did not authorize the opening, transfer, or reporting of this account, and I did not provide consent for your company to furnish information to any credit reporting agency. Account Details : Collection Agency : XXXX XXXX XXXX Original Creditor : XXXX XXXX Account Number : XXXX Amount : {$4600.00} This email is formal notice that the collection account referenced below is the result of identity theft. I did not authorize your company to collect, report, or furnish information regarding this account, nor did I provide consent for any credit reporting activity. Account Information : Collection Agency : Online Collections G Original Creditor : XXXX XXXX XXXX Account Number : XXXX Amount : {$220.00} RE : Identity Theft, Unauthorized Debt Collection, and Violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) I am submitting this complaint to report identity theft, unauthorized debt collection activity, and violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, by XXXX XXXX XXXX XXXX XXXX I received a collection notice stating that I owe {$1000.00} for a XXXX account allegedly associated with my name. I have never opened, authorized, or been responsible for any XXXX account connected to this alleged debt. Details of the alleged account include : Name on Account : XXXX XXXX Debt Description : XXXX Amount : {$1000.00} Current Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX I have no contractual relationship with XXXX, Online Collection nor XXXX XXXX XXXX XXXX and did not consent to the use, sharing, or processing of my personal information for this alleged account. This debt is not mine and appears to be the result of identity theft or mistaken identity. Despite this, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has attempted to collect payment, which constitutes improper collection activity and potential unlawful reporting. Under 15 U.S.C. 1681c-2, once identity theft is alleged, consumer reporting agencies and furnishers are required to block and remove information resulting from identity theft and must cease reporting and collection of such accounts. Violations Identified Attempting to collect a debt I did not incur Unauthorized use of my personal information Failure to properly verify identity before collection Potential improper credit reporting Violation of FCRA 1681c-2 ( Blocking Information from Identity Theft Victims ) - Resolution Requested I respectfully request that XXXX, Online collections & XXXX XXXX XXXX XXXX XXXX XXXX to : XXXX. Immediately cease all collection activity related to this alleged debt XXXX. Permanently delete and block this account from all consumer reporting agencies XXXX. Provide written confirmation that I owe no balance XXXX. Disclose how my personal information was obtained XXXX. Ensure my information is not shared or sold further XXXX. Take corrective action to prevent future violations I request that the CFPB investigate this matter and ensure compliance with federal consumer protection laws. Thank you for your attention to this serious identity theft and consumer Under 15 U.S.C. 1681c-2 ( Blocking of Information Resulting from Identity Theft ), once notice is provided, information resulting from identity theft must be blocked, and continued reporting or collection activity is prohibited. I am demanding that you immediately cease all reporting and collection activity related to this account and confirm in writing that the account has been withdrawn and will not be re-reported. XXXX XXXX XXXX XXXX TX XXXX XXXX SSN : XXXX
Frequently Asked Questions
What is Complaint #18208227 about?
Complaint #18208227 was filed against Online Information Services, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-12-21T12:00:00-05:00.
How did Online Information Services, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Online Information Services, INC.?
Yes, visit the Online Information Services, INC. company profile at readthecomplaint.com/company/online-information-services-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.