Total CFPB complaints
2,693
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 2,693 complaints
ONLINE Information Services, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 49 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about ONLINE Information Services, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
1,308 complaints
- Written notification about debt
Written notification about debt
525 complaints
- Took or threatened to take negative or legal action 258
Took or threatened to take negative or legal action
258 complaints
- False statements or representation 233
False statements or representation
233 complaints
- Cont'd attempts collect debt not owed 111
Cont'd attempts collect debt not owed
111 complaints
- Disclosure verification of debt 38
Disclosure verification of debt
38 complaints
D
Grade D · 53.6/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about ONLINE Information Services, Inc.?
ONLINE Information Services, Inc. has accumulated 2,693 total CFPB complaints across 49 states, with 821 filed in the most recent 12 months against 1,872 historical complaints before that window. The trailing-12-month volume represents 30.5% 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", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 27% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 49 states, led by Florida with 357 and Texas with 352, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 53.6/100 places ONLINE Information Services, Inc. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
821
30.5% of total history
Rising ↑
States active
49
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
27%
After company response
Reputation grade
D
53.6/100 composite
Response-quality profile
How ONLINE Information Services, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 54.1%
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?
ONLINE Information Ser… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed1,308 (%)
Written notification about debt525 (%)
Took or threatened to take negative or legal action258 (%)
False statements or representation233 (%)
Cont'd attempts collect debt not owed111 (%)
Disclosure verification of debt38 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 756 |
| Attempts to collect debt not owed | Debt was result of identity theft | 391 |
| Written notification about debt | Didn't receive enough information to verify debt | 370 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 258 |
| False statements or representation | Attempted to collect wrong amount | 233 |
| Attempts to collect debt not owed | Debt was paid | 161 |
| Written notification about debt | Didn't receive notice of right to dispute | 155 |
| Cont'd attempts collect debt not owed | Debt is not mine | 69 |
| Cont'd attempts collect debt not owed | Debt was paid | 42 |
| Disclosure verification of debt | Not given enough info to verify debt | 38 |
Where do complaints against ONLINE Information Services, Inc. come from?
The states where consumers have filed the most CFPB complaints against ONLINE Information Services, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against ONLINE Information Services, Inc.
Across 49 states with at least one filing
- Florida
Florida
357 complaints
- Texas
Texas
352 complaints
- North Carolina
North Carolina
332 complaints
- Georgia
Georgia
223 complaints
- South Carolina
South Carolina
149 complaints
- New Jersey 122
New Jersey
122 complaints
- Ohio 113
Ohio
113 complaints
- New York 106
New York
106 complaints
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 2,693 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 821 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). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 Florida (357 complaints).
What can I do if ONLINE Information Services, Inc. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If ONLINE Information Services, Inc. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |