Debt collection -- Attempts to collect debt not owed -- Complaint #4794419
Complaint Overview
Complaint ID: 4794419
Company: Online Information Services, INC.
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Georgia
ZIP Code: 30228
Date Received: 2021-10-08T12:00:00-05:00
Date Sent to Company: 2021-10-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This account just recently appeared on my credit report that I have no knowledge. I submitted a debt validation letter on XX/XX/2021 and have not received any validity of the debt. In the US law encyclopedia, American Jurisprudence, 73 Am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
Frequently Asked Questions
What is Complaint #4794419 about?
Complaint #4794419 was filed against Online Information Services, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2021-10-08T12:00:00-05:00.
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 (Debt collection) 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.