This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade D 3,003 complaints

ONLINE Information Services, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 49 states, reputation grade D.

Complaints by issue type

What consumers report about ONLINE Information Services, Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 53.6/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: ONLINE Information Services, Inc. ranks ahead of 22% of the 5,283 collectors PlainCollector grades - 78% keep a cleaner CFPB record, on 3,003 all-time complaints and a 100% timely-response rate.

22nd pct
reputation rank of 5,283 graded collectors
3,003
CFPB complaints, all-time
100%
answered inside the CFPB window
948
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about ONLINE Information Services, Inc.?

ONLINE Information Services, Inc. has accumulated 3,003 total CFPB complaints across 49 states, with 948 filed in the most recent 12 months against 2,055 historical complaints before that window. The trailing-12-month volume represents 31.6% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 100% timely-response rate against a 27% consumer-dispute-after-response rate.

Complaints have been recorded across 49 states, led by Texas with 426 and Florida with 394. Normalized against the full CFPB collector database, the reputation score of 53.6/100 places ONLINE Information Services, Inc. in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

3,003

high-volume (CCDB)

Last 12 months

948

31.6% of all-time complaints

Rising ↑

States active

49

multi-region footprint

Timely response rate

100%

excellent band

Consumer disputes

27%

elevated (vertical avg ~19%)

Reputation grade

D

53.6/100 composite

How does ONLINE Information Services, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

54 Bottom 22% higher than 22% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

ONLINE Information Services, Inc. versus the debt-collection vertical average.

Timely response within SLA 99.9%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 27.0%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 87.5%

Share of US states + territories with at least one filed complaint against this collector.

How does ONLINE Information Services, Inc. compare to its peers?

How does ONLINE Information Services, Inc. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
ONLINE Information Ser… National average
Complaints (last 12 mo)lower is better
948
1,593
268
Timely-response ratehigher is better
100%
100%
91%
Consumer-dispute ratelower is better
27%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-01 2026-02

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 1,473
Written notification about debt - 594
Took or threatened to take negative or legal action - 330
False statements or representation - 283
Cont'd attempts collect debt not owed - 118
Communication tactics - 83
Disclosure verification of debt - 76
Threatened to contact someone or share information improperly - 20
Improper contact or sharing of info - 16
Electronic communications - 8

Where do complaints against ONLINE Information Services, Inc. come from?

ONLINE Information Services, Inc.'s own per-state count, not a national baseline.

Top states by complaints against ONLINE Information Services, Inc.

Across 49 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if ONLINE Information Services, Inc. contacts you

A grade of D signals how ONLINE Information Services, Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really ONLINE Information Services, Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how ONLINE Information Services, Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against ONLINE Information Services, Inc.? ▼

The most common issue consumers report about ONLINE Information Services, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 3,003 complaints filed with the CFPB.

Are complaints against ONLINE Information Services, Inc. increasing or decreasing? ▼

Complaints against ONLINE Information Services, Inc. are rising. The company received 948 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is ONLINE Information Services, Inc.'s reputation grade? ▼

ONLINE Information Services, Inc. has a reputation grade of D (score: 53.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does ONLINE Information Services, Inc. respond to consumer complaints? ▼

ONLINE Information Services, Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 27% of cases.

In how many states does ONLINE Information Services, Inc. operate? ▼

ONLINE Information Services, Inc. has received CFPB complaints from consumers in 49 states, with the most complaints from Texas (426 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.