Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #7377153
Complaint Overview
Complaint ID: 7377153
Company: Online Information Services, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Investigation took more than 30 days
State: Ohio
ZIP Code: 454XX
Date Received: 2023-08-09T12:00:00-05:00
Date Sent to Company: 2023-08-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I sent out a debt validation letter exercising my rights as a consumer under the FCRA ( Fair Credit Reporting Act Section 809 ) and " XXXX XXXXXXXX, XXXX '' has NOT complied with Federal law and regulations. " ONLINE INFORMATION SERVICE '' failed to respond to my debt validation letter section 809. This is now a federal violation of the Fair Debt Collection Practices Act which I intend to sue for Defamation, wiling financial injury, and FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX. I've attached proof that I sent " ONLINE INFORMATION SERVICE '' a Debt Validation Letter and that they've received my letter at approximately on XX/XX/XXXX at XXXX XXXX. The Fair Debt Collection Practices Act requires companies to respond within 30 days after receiving a dispute. I intend to sue for the maximum amount which is {$20000.00}. I am now located in Texas, and this is the maximum amount that a person can sue for in small claims court. I've been denied housing and jobs because of this collection account so I intend to sue if this account is not removed immediately from my 3 major credit reports. I have all the proper documents to win in small claims court without a reasonable doubt should this account not be removed immediately.
Frequently Asked Questions
What is Complaint #7377153 about?
Complaint #7377153 was filed against Online Information Services, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2023-08-09T12:00:00-05:00.
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, credit repair services, 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.