Kansas Counselors, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
01/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	KY 42240	Web
On XX/XX/XXXX, I received an email from my credit monitoring service. It informed me that my credit score had dropped a tremendous amount of points. I logged on and found that XXXX XXXX had illegally posted an alleged collection account to my credit profile. Prior to the email, I have never heard of nor had an account with this company. My report shows that it is an open account and was opened on XX/XX/XXXX with a balance of {$3500.00}. I have no knowledge of this company, nor this alleged debt. I have never had any dealings with this company. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute before they move forward with collection attempts. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I, a consumer defined under 15 USC 1692a ( 3 ), understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) legitimate proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right as a consumer to request validation of this alleged debt they say I owe. I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter by certified mail with return receipt, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit reports until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail because it was never sent. In order for them to prove that I received it properly, the proper letter should have been mailed certified mail with return receipt or by some form of proof of postage that would require my signature. And if the company did mail anything to me, where is the legal proof of my signature stating that I received it? Where is the return receipt or postage signature showing that I received it and signed for it? But again, I never received any sort of mail or package because it was never sent. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. My credit score has dropped tremendously in the middle of an important purchase. Please help me get this account removed immediately. As a consumer, Im publicly publishing this descriptive complaint on consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. As a consumer defined under 15 USC 1692a ( 3 ), I'm also preparing to sue under the FCRA and FDCPA because of the numerous consumer law violations committed by this company, damages to my credit and opportunity costs with making a major purchase, and business ventures that must be delayed until this illegal account is removed. It should not my responsibility to submit proof that this debt does not belong to me. It is the responsibility of the debt collector to submit proof that they can legally collect on the alleged debt and legally report to the credit agencies. As of this date, they have failed to do so. KANSAS COUNSELORS INC XXXX XXXX XXXX # XXXX, XXXX, KS XXXX ( XXXX ) XXXX
05/11/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MO 64083	Web	Servicemember
I received a notice from Kansas Counselors Inc dated XXXX XX/XX/XXXX informing me of a debt owned. We ( my wife ) called the creditor and set up a payment arrangement with " XXXX ''. We expressed that I do not have an accounts in collection and how important my credit is to me. We were ensured that the payment plan would " take care of it '' and that it would not be reported to the credit agency 's. XXXX XX/XX/XXXX ; After 6 MONTHS of on time payments I get a notice from my credit monitoring service that I have a new account in collections. I immediately filed disputeS and called the creditor and was told by a female employee that " yeah, no. It should have never been reported '' and that it was most likely " coded incorrectly ''. I was then transferred to the manager XXXX who said she was going to pull the phone records and listen to them and discuss it with the President of the company. When she called me back the same day, she VERY tactically informed me that they would be sending a full deletion request to the credit bureaus immediately and that all record of the collections account would be therefore removed from my account. I then proceeded to ask for a settlement amount for the account so that " I would never have to deal with Kansas Counselors again ; even though it felt like rewarding their mistake ''. I was very clear about how serious I was about my credit. XXXX agreed that I was not " like some of the others '' they had to collect on and that she was going to make it right. XXXX XXXX, XXXX ; I received a notice from my credit monitoring service of a new account in collections ... from Kansas Counselors Inc ... .for the same amount ... .Between XX/XX/XXXX and XX/XX/XXXX KCI reported the account as a NEW ACCOUNT IN COLLECTIONS. Not only did this violate the verbal agreement that we had for them to correct their mistake but it also means they RE-reporting an account that was SETTLED and CLOSED. This brings the total violated verbal ( recorded ) agreements up to 2! I called XXXX back Monday morning XXXX XX/XX/XXXX and was REPEATEDLY told that she doesn't know what to tell me, that they sent the request " a week after we spoke '' ( A WEEK! ). I informed her that I didn't care about the deletion request and I wanted to know why they RE-REPORTED the account as a new collection account and violated our agreement, even AFTER I paid the debt off! XXXX, once again showing an aptitude for tactically phrasing everything told me that she'll have to check with their compliance officer and the president of the company and would get back to me when she could. At this point I have now been forced to file 3 disputes ( and I'm sure at least one more once the other bureaus update ). I have had to spent hours of my time on the phone and computer dealing with their mistake. Up to this point they have not offered ANY means of correctly their mistake other than to send the Original deletion request. Worse yet, rather than being done with KCI as I very specifically stated, I am now forced to make additional phone calls, disputes, and spend hours checking on this fraudulent report for ANOTHER month! ( Since the CB 's only get updated once a month ). It is my opinion that by violating multiple payment agreements and resolution terms that Kansas Counselors Inc should IMMEDIATELY have they Credit Reporting Authorization REVOKED! They've violated the fair reporting act ( and I'm sure other acts that have been put in place to protect people ). Wither by honest REPEATED mistake or as some act of spite, they ( KCI ) have proven to be incompetent at reporting to the credit bureaus and therefore should no longer have that privilege. They should have their reporting authority revoked until an in depth investigation into their practices can be preformed by the CFPB, FTC, or other responsible govt. organization. I shouldn't have to mention that this is all happening during the covid-19 pandemic when finances and stress are already stretched. One would think that given the current circumstances they ( KCI ) would have put more effort into following up on their mistake and not forcing me to bear the brunt of their ineptitude. Kansas Counselors Inc. XXXX XXXX XXXX, XXXX XXXX , KS . XXXX XXXX / XXXX / http : //KCIKC.com/
10/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	MO 64052	Web
XXXX wrong full charged for ambulatory services I disputed chatge because I had and have medicaid which covers ambulatory services by law in the state of missouri and prior to mediciad i had XXXX XXXXXXXX XXXX percent cover 5 years prior and have had mediciad foe previous 2 ywars and still have medicaid and I uploaded the verification and dates of my medicaid by show of award letter and my ssi including issue dates which cover the date of charges i should never have been charged agyer disputed chatge and showing XXXX XXXXXXXX coverage 5 yeats prior to the charge date and mediciad coverage covering the date of original charge experience refussed to acknowledge the evidence and remive the wrong charge damaging my otherwise flawless credit report they accepted the word of kansas counselors that the charge it legit without their validation despite my valid proof I was wrong charged and the negative mark must be removed today they closed the appeal review unfairly in kansas counselors favor on XX/XX/XXXX in regards to ambulatory services provided in XX/XX/XXXX and I've been on medicaid the entire year of XXXX and XXXX by law state of Missouri medicaid covers ambulance services so they were never to charge me let alone mark a negative report to the 3 credit agencies and not be able to get it remove by any despite valid proof of wrongful charge and then to further violate my rights to fair credit reporting the reporting agencies have allowed it to remain even after evidence shown in appeal request the wrongful charge remains and has been unfairly closed against me it remains rules i favor of kansas cou selors because they say chatge is etified and valid by my evidence ce showed i should have never been charged upon appeal ita clear to see the fair thing to do after reviewing my medicaid coverage date was to remove to wro gful chatge but that fair treatment did not happen and wrong ful chatge negative mark remains as the only negative on my crdit report since i have been told the only revourse i have os to file a co plai tbere ive been left no cboice but to seek tour advocacy i am sorey to borher you with this but when I showed clear evidence to the gats stated herein it's absurd to think that even when I showed proof to these fast i was dismissed further this should have been removed from all 3 credit reporting agencies but I have been dismissed dispite showing valid proof of my claim I seek assistance to fair credit reporting and request the matter be investigated i thank you and appreciate your advocacy
05/19/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 641XX	Web
On XX/XX/XXXX, I noticed my credit score had decreased by 66 points because of an unknown debt collections account, Kansas Counselors. The amount was {$1300.00} from a company I had never heard of, XXXX XXXX. I filed a dispute since I did not recognize either of these companies, and no prior effort had been made to collect this debt. None of my medical bills are ever that high since I have good health insurance coverage with XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, my dispute was denied by XXXX. I searched for Kansas Counselors online since their phone number was not provided to XXXX. Many XXXX Reviews call them a scam and accuse them of collecting on bills that had already been paid or were from different states people even lived in. I called them on XX/XX/XXXX, and they provided no information about my account other than it was from " XXXX XXXX XXXX. '' I asked them what it was for, what services were provided, and by whom, and they could not answer this information, which seemed like a scam. I called XXXX XXXX XXXX and they had a past due bill for a visit to the XXXX I had on XX/XX/XXXX. Again, I had never heard from this company or any effort to collect this bill. This medical office billed separately from the hospital. I paid a {$350.00} copay to the hospital on my day of service. For whatever reason, XXXX XXXX XXXX had my health insurance information and did not bill them AT ALL. I asked them to adjust my bill with my correct information, and they said they wouldn't since it's been a year. I asked for an itemized list, but they also could not provide it. I called my insurance company and they said there was nothing they could do without XXXX XXXX filing the claim. Kansas Counselors is attempting to collect a debt that they know nothing about and can not validate. XXXX XXXX XXXX did not bill me correctly and sent me to collections. I still don't know what the physician bill was for. Anthem said they could do nothing without the medical office submitting a claim, which they refused to do. The man at XXXX XXXX was unhelpful, combative, and couldn't provide me with any information on what they were collecting on. I wish I had more information to upload, but my health insurance was the only company that could provide more details.
06/19/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MO 641XX	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
06/19/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MO 641XX	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
10/07/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30016	Web	Servicemember
To Whom It May Concern, Account Number : # XXXX / Kansas Counselors Inc. Reviewing my annual free credit report, Ive notice Kansas Counselors Inc. negative account on my credit report. I have never heard of this company, never signed a legal binding contract with Kansas Counselors Inc. or I have never received any documentation from Kansas Counselors Inc. Understanding my rights, Ive requested under Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } requesting validation by a certified envelope to Kansas Counselors Inc. Listed below Ive request the following information : What money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : Please provided a copy of a signed Health Insurance Portability and Accountability Act release form : I have not received anything from Kansas Counselors Inc referencing I have a debt instrument with them. Per the Federal Trade Commission ( FTC ), Kansas Counselors Inc is NOT following guidelines of what constitutes proper debt validation. I have NO contract with Kansas Counselors Inc, I am not obligated to pay for the alleged debt, Kansas Counselors Inc is the reporting inaccurate information on my credit report. Im planning to apply for a VA mortgage loan, and Kansas Counselors Inc account is negatively impacting my ability to qualify. Thank you for your attention, XXXX XXXX
08/06/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NE 68516	Web
I went to the XXXX XXXX at XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX on XX/XX/XXXX. I received and promptly paid an invoice from XXXX XXXX. After having paid that invoice, I received a separate bill from XXXX XXXX XXXX, XXXX. I was confused, because I believed I had paid my bill in full. I called XXXX to ask if I did have a balance, and they confirmed that I did not and that my account was paid in full. Additionally, the person I spoke with seemed to be unfamiliar with XXXX XXXX XXXX, PC. I ignored the bill because it seemed to be a scam ; a XXXX search for the company yielded vague results along with several people citing the company as being illegitimate. Then, on XX/XX/XXXX, more than a year after I went to the XXXX, a company named Kansas Counselors , Inc. ( KCI ) sent me an account balance for {$210.00} and is attempting to collect a debt. I do not know this company, and they did not provide me with enough information to verify that the debt is valid. This is the 2nd communication that I have had regarding this bill ; in spite of having 3 different phone numbers to contact me, my email address, and my mailing address, no attempt was made to collect after they sent the initial bill. I contacted XXXX XXXX in XXXX, XXXX, and all they could tell me was that their XXXX providers bill separately. I asked why they did not tell me I would be receiving 2 bills, or why they weren't able to give me information about their billing practices when I called more than a year ago. They did not have an answer.
06/06/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MO 64086	Web
XXXXXXXX XXXX XXXX ( XXXX ) billed my insurance for services rendered in XXXX of XXXX. It was denied because XXXX included information indicating that the injury was part of an accident and my insurance carrier rejected the claim because they thought it was an auto accident. XXXX sent the {$770.00} claim to collection, Kansas Counselors Inc ( KCI ), in XXXX of XXXX. KCI called me in XXXX and I told them it should be covered under insurance. I called the insurance company and XXXX and got the miscommunication cleared up, XXXX adjusted my account balance to reflect the insurance payment. KCI called me again each month from XXXX through roughly XXXX and I told them each time that it was paid by insurance and their balance is wrong. The final time KCI called I asked them to only deal in writing and to send me a debt validation and verification letter with a full detail of the account balance from XXXX because their information is wrong. They did not send me the information I requested. XXXX of XXXX KCI reported a {$770.00} collection to my three credit reports. I disputed the amount and KCI responded that the information was accurate. I spoke with XXXX on Friday XX/XX/XXXX and discovered the account was paid by XXXX XXXX, leaving only a copay due to {$190.00}. I spoke with KCI on Monday XX/XX/XXXX and informed them of the correct balance, they refused to contact XXXX for updates and will not remove the item from my credit report. I have offered to pay both XXXX and KCI the correct amount but they can not get it clear d up.
07/01/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MO 64130	Web
This is my second complaint on KANSAS COUNSELORS INC. with CFPB Case ( XXXX-XXXX ) I stated that this was not my debt and it was reporting inaccurate on my report. Kansas Counselors Inc. reported that I owe a balance of {$810.00} on this account I made contact with the reporting credit bureaus as well as the collection agency KCI ( documents are in previous case above ) as a stall tactic in order to report/collect a debt Kansas Counselors Inc. reported that I made a payment of {$120.00} which brings me to a remaining balance of {$690.00} reporting on my report after I filed a complaint with CFPB stating that this was incorrect information. I followed all the steps in contacting the collection agency as well as the credit bureaus in order to correct invalid/false information as I stated in the last compliant. In attempt to get this matter taken care I made contact by mail ( XXXX ) and received a bill that has a list of items on it that with prices next it at the top is say balance due {$0.00} above that it has me owing XXXX none of it add up or makes sense. I ask that you investigate this matter as well as get information from my insurance provider. Kansas Counselors is violation of several acts they are reporting information that you know to be inaccurate. Failing to report information correctly violates the Fair Credit Reporting Act. If your offices have reported invalidated information to any credit reporting agency, said action might constitute fraud under both Federal and State Laws.
03/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	MO 641XX	Web
I started the process of wanting to buy a home, I noticed that one of the company 's I requested to validated the debt was back on XX/XX/XXXX and I never got any validation for it. I disputed it I believe in XX/XX/XXXX with XXXX, and when I looked at my report to see what was there, and there were notes from Kansas Counselors, the amount is {$270.00} ; that stated " Dispute resolved consumer disagrees ''. So I called XXXX to see what I can do, I had already challenged it by uploading my proof of the letter tht I sent to them had not been validated. I spoke with a guy named XXXX at XXXX on XX/XX/XXXX and he told me that and I quote, " companies don't have to provide XXXX proof that a debt belongs to a consumer, we just take their word for it and apply it to your credit report ''. So I said, " you mean to tell me that anybody can say I owe anything and have it slapped on my XXXX credit report? '' He just sat there in silence and said nothing. I asked him, " how would he fill if someone just slapped anything on your credit and you were told that the company did not have to provide proof of it? '' Once again he silent and said nothing. This can not be ok for us people. That XXXX does not require any validation and just lets companies place on anything on your report. The company never responded to my letter that I sent back in XX/XX/XXXX either. People credits are being hurt by this and it is not right.
11/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MO 64131	Web
I have asked XXXX XXXX XXXX XXXX who has falsely reported information on my credit file to validate the debt by providing proof of this alleged account several times, specifically the original application, contract, note, other instrument bearing my signature and payment history. Please provide this information within 15 days. This agency is in violation of 15 U.S.C. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. These accounts are inaccurate under 15 U.S.C. 1692g validation of debt. They have been reporting inaccurate and incomplete account information to my credit file. In addition, while the collector attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with you for the purpose of filing a complaint to the FTC if the non-compliance continues. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. All steps must be taken to assure the information reported is completely accurate and correct.
07/04/2020	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	MO 641XX	Web
During the time of the collections, insurance payments took care of them. I was also was laid off from my jobs. Covid-19. The amounts on file from this collection agency changed and are incorrect. I couldn't possibly pay new and incorrect amounts being unemployed. Also, these calls were before XXXX in the morning. Threatening and abusive language was involved on the part of the collection agency. I certainly have no intention of fraud and I don't need or want the so called luxury of lying about it. I can't be hampered by both horrible employers, who're broke and fraudulent themselves, along with an abusive employee of a collection agency. There's no way on earth. I took action on XX/XX/XXXX and on XX/XX/XXXX. I politely told them to stop calling me. I've had an experience with a collection agency which hounded me in the past. I paid them in full and they were abusive and called constantly. This is a new scenario. This debt collection agency hounds me. I had had their collections removed. But not on all sites. Disputes have been made. Investigations are pending all across the board. Those were done again today : XX/XX/XXXX. I'm a XXXX XXXX XXXX in good standing. These collections are inaccurate and need to be removed. I pay my debts in full. I need this problem to be resolved with your help.
07/10/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	KS 66213	Web
I pulled my credit report and noticed that this collection agency is listed on my credit report. I first disputed this account with the credit bureau because I do n't recall signing any contract with this company. But when the credit bureau claim to have verified this I called them asking to send me all documents they have used to verify this alleged account in which they have failed to do so I send Kansas counselor a letter certified with return receipt in which they are still reporting on my credit report without proper validation showing competent evidence bearing my signature showing that I have some contractual obligation to pay them. I refuse to receive a itemized bill and suggest that they provide any documents that grants them authority to collect on this alleged debt or proof of acquisition by purchase or assignment and authorization under subtitle D of the ARRA, SEC.13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. Also since this is a medical account I requested a copy of any HIPAA authorization and they have failed to send this information along with copies of any agreement that bears the signature of the alleged debtor where he or she agreed to pay the creditor.
12/01/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	KS 66215	Web
Per the XXXX, XXXX have no out of pocket if the past XXXX showed problems such as but not limited to XXXX. In XXXX at the same place they detected and removed XXXX. XXXX XXXX did not diagnostic as that was completed by XXXX XXXX in XXXX. This should have been coded as prevention as I have a family history of death by XXXX, the most recent was my dad on XXXX/XXXX/XXXX. XXXX these XXXX pages show the language of the XXXX in regards to XXXX. On XXXX/XXXX/XXXX I disputed the debt to XXXX, XXXX XXXX ( XXXX ), XXXX, XXXX XXXX XXXX and XXXX, on XXXX/XXXX/XXXX I disputed the debt to Kansas Counselors of KC. The coding was XXXX and XXXX which is prevention. The letter of dispute I sent to XXXX, acct # XXXX was a letter of dispute containing the aforementioned letters to government agencies and the doctors. XXXX, merely ignored and returned to me. Then they placed it on my credit report failing to list it as disputed. They continue to call and leave messages on my cell phone, a collector named XXXX was leaving voice mails. This unjust debt needs removed from my credit as they have violated the law. It dropped my credit score XXXX points. XXXX had been constantly calling and placed improperly a debt on my credit report.
11/17/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MO 64052	Web
To review with their client the debt was XXXX by XXXX XXXX showing XXXX XXXX balance the refussed to accept or acknowledge debt was cleared even though their client XXXX the debt was owed provided verification the debt was paid even after showing the Kansas counselors law firm the reciept invoice XXXX debt was paid and now reflects a XXXX XXXX balance paid in full by XXXX XXXX XXXX XXXX XXXX I will attach the verification documents XXXX XXXX accepted letter as well as the verification invoice reciept from the debtor showing balance paid by their finacial assistance reflecting debt paid XXXX dollar balance so XXXX can remove this negative mark from my record along with XXXX and XXXX as the mark has been devastating to my credit and XXXX has also recieved these verification documents showing balance paod in full as has also refussed to remove the mark despite having on file the reciept invoice from the debtor showing the XXXX XXXX balance debt paid in full so I am requesting investigation into the matter seeking fair credit Reporting I appreciate you taking the time to review the matter and tour advocacy to correctly reflect an accurate and fair credit report
03/10/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	KS 662XX	Web
I have reached out to Kansas Counselors, and disputed multiple times to all 3 credit bureaus for verification and information for the proof of this debt. Kansas Counselors will not provide any evidence that this debt exists, invoice statements, a breakdown of charges, or an itemized list of the amount they claim is owed to them. The only information Kansas Counselors says they are able to provide is the amount of money attempting to be obtained. Furthermore, I was never sent any paperwork, contacted by phone or e-mail, or mailed any documentation from Kansas Counselors that would have allowed me to formally dispute or verify the debt in question in a legal manner. Without any proof of this debt amount being owed, I am unable to verify that I am liable for this collections account. I would like for you to press Kansas Counselors, and the 3 credit bureaus for documentation and further evidence of this amount being owed to Kansas Counselors and request that if it is unable to be provided, that this collections account be removed from my credit reports.
11/14/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	MO 641XX	Web
I disputed a account with Kansas Counselors of K collection first on a recorded line and I also requested for validation of the debt to be sent over to me. A few months went on still nothing. Then when I spoke with Kansas Counselors debt collector XXXX she gave me so much inaccurate information regarding the file they alleged I owe for a hospital in the amount of {$510.00} they stated that they never did send out the validation, they sent it out a validation but it was for a different account. The debt collector XXXX kept stating to me she never seen anything about a dispute and that still have a balance and they ca n't remove it when though I told her I was working the day the collection agency is stating that I was seen at the hospital. She never tried to help me find other options as to going about and getting this resolved. I feel that they agency is doing is not collecting under the Fair Debt Collections Practices Act and it is unfair for consumers like myself. Please help me in regards to this matter. Thank you for your concern of this situation.
06/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	KS 662XX	Web	Older American
In early XXXX of XXXX, I was alerted by XXXX XXXX that I had a negative comment that impacted my credit score. The comment was that Kansas Counselors , Inc., showed an unpaid bill from XXXX XXXX XXXX , XXXX, in the amount of {$770.00} for a visit to XXXX XXXXXXXX XXXX ER on XX/XX/XXXX. I contacted XXXX XXXX XXXX several times in an attempt to get them to remove the debt from my records. They refused. I filed a complaint with XXXX on XX/XX/XXXX, and I received their response today, XX/XX/XXXX. Their response was : " If XXXX was able to make changes to your credit report based on information you provided, they made those changes. Otherwise, XXXX asked the company reporting the information you disputed to investigate. '' I paid my copay of {$90.00} to XXXX XXXXXXXX XXXX on XXXX. Despite this fact, XXXX XXXX XXXX, Kansas Counselors and the XXXX XXXX XXXX have been unable to remove this negative remark from my credit score. I have never received a single letter or phone call from Kansas Counselors since the account was sent to them on XX/XX/XXXX.
10/07/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	KS 66030	Web	Servicemember
In XXXX I injuried my XXXX 3 times. I 'd seen multiple doctors, surgeries, pt 's. I ended up with XXXX 's of dollars in debt, and zero way to pay it. I lost my job, I lost my entier life savings. I was living off my daughter ssi of XXXX dollars a month, and in massive physical pain. About a year later in XXXX. I 'd be reported to collections by XXXX. For over XXXX dollar. I send them XXXX dollars. I think got a bill for XXXX dollars. I never called them and worked out a payment plan. I did n't do payment plans because I could n't honor them. My mom every 6 months would send me some money for medical debt. I sent them XXXX dollars, in XXXX, and that was the last I heard of them until yesterday. 5 years. When the filed 5 years of non payment collections on my credit. They never called me, they never billed me. They made zero effort to bill, call me, never sent it back to collections. Until XXXX/XXXX/XXXX. My money problems never got any better. I since been dx with possible XXXX, and I live off I and my daughter XXXX, at XXXX dollars a month.
02/06/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 641XX	Web
After pulling a copy of my credit report I notice that this collection agency is reporting 3 accounts on my credit report on my credit report. 1. Act # XXXX 2. Act # XXXX 3. Act # XXXX I send them a letter disputing this claim and send it with tracking receipt XXXX XXXX XXXX XXXX XXXX XXXX. I requested that they send me any agreement that grants them the authority to collect. Or any proof of acquisition by purchase or assignment and authorization under subtitle D of the ARRA, SEC.13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. I also asked that they send me copies of any agreement that bears my signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. In which they have failed to send me these items and still reporting on my credit report. I am not at all refusing to pay I only send as a notice of dispute to the claims.
03/07/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	KS 661XX	Web	Older American
I applied for credit was told by creditors that I had numerous collection items on my credit reports. As a follow up, I requested and received copies of my credit reports from the three main agencies ( XXXX, XXXX XXXX XXXX ). Once I received the reports I found listed on my credit reports was Kansas Counselors with numerous negative items. At no time did they notify me of these items to allow me the opportunity to resolve or dispute. Since I wasn't given that right, I sent the firm a letter ( by regular mail on XX/XX/XXXX ) and a second letter ( by certified mail on XX/XX/XXXX with a proof receipt ). In each case I asked for a response within 30 days and requested that they validate the debts or remove negative items from my credit reports. As of today I haven't heard from Kansas Counselors with an acknowledgement of my letters or an attempt from them to address my concerns. Therefore, I am requesting CFPB help me resolve this matter that is impacting my credit. Thanks.
01/31/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	KS 66062	Web
I found over 10 accounts on my credit from Kansas Counselors inc-I sent in a request by fax and mail for validation of these 10 debts-which are marked as closed medical accounts. I heard nothing back from them. I supplied them with my new address and contact information and still got nothing back. I submitted a dispute with the credit reporting companies because I think that these debts are linked to Identity thief that occurred in XX/XX/XXXX-XX/XX/XXXX from and ex-employee. Kansas Counselors remove all of the accounts except 3 of them. I have requested 3 times for proof of this debt and they refuse to provide it and keep responding to the credit reporting companies that these accounts are valid. And now they are reporting the accounts as brand new accounts with no last day of active on it, which the credit reporting companies tell me that will cause the accounts to say on the credit longer then the 7 year marker.
04/29/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MO 63366	Web
I received a bill from XXXX XXXX XXXX for {$95.00} last year. I paid {$600.00} for XXXX XXXX XXXX and used only half of the XXXX appointments due to COVID. I called XXXX XXXX XXXX, and requested the amount be taken out of the balance of my account, which was accepted. I then received a letter from Kansas Counselors , Inc in XXXX, XXXX seeking to collect on a supposed debt of {$95.00}, which I had already contacted XXXXXXXX XXXX XXXX about. I wrote them a letter seeking debt verification, and explaining the above. I received a letter on XX/XX/XXXX that contained the same bill that I had already contacted XXXX XXXX XXXX about, but nothing about the amount that XXXXXXXX XXXX XXXX still owed me ( {$300.00} ballance - {$95.00} = {$200.00} owed to me ). I am not sure if XXXX XXXX XXXX was recently bought out, as Kansas Counselors statement is from XXXX XXXX XXXX, which I have never had a business relationship with.
08/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 64015	Web
My XXXX and XXXX credit report indicates two collection accounts that are not mine. Accounts XXXX an XXXX. The collection account belong to Kansas Counselors. The original creditor is XXXX XXXX Hospital. My son who is older than XXXX and shares the same name as me, is responsible for these accounts. I talked with XXXX XXXX Hospital and they agree I do not own the accounts or even have an account with them. I talk with Kansas Counselors who has in there records the two accounts incorrectly associated with my social security number. I emailed Kansas Counselors twice to ask them to confirm their information with XXXX XXXX Hospital. I submitted three XXXX disputes and one XXXX dispute ( so far ). Each time they say Kansas Counselors has confirmed the accounts belong to me. This is so frustrating. Kansas Counselors has done this to me in the past yeas, but then I got it removed after several disputes.
04/19/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	KS 662XX	Web
I received a medical bill for {$650.00} from creditor XXXX XXXX XXXX XXXX In which I paid in full XX/XX/XXXX. Several months had passed, the check cleared my bank account. In XX/XX/XXXX, I noticed my credit score significantly decreased due to a collection account with Kansas Counselors collection company. I contacted them. They stated they had received my copy of the check and had sent it to XXXX XXXX XXXX XXXX and it took over a month for a response that the debt was still outstanding. I then disputed the false report with XXXX as well as XXXX credit bureaus and both claims were denied. XXXX XXXX XXXX XXXX still claims the debt is outstanding and will not remove it from my credit report. I have submitted a copy of the front and back of the check over 4 different times to them, the collection agency, as well as the credit bureau. The money was taken from my account. I can not get this resolved.
09/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 63122	Web
Please be advised I have requested validation, not verification, of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. Furthermore, XXXX XXXX, XXXX XXXX, Kansas XXXX, XXXX XXXX, XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.
06/29/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 64055	Web
I had an outstanding medical bill from XXXX XXXX of XXXX which was from an automobile accident I was in where I was not at fault. I had several bills from multiple medical providers and thought I had paid the above mentioned bill of {$1200.00}. I received a call from KCI ( Kansas Counselors Inc ) about a week after my settlement -- Week of XXXX XXXX stating they were attempting to collect this debt. I had not received any prior information about this so I asked the representative to send me a copy so I can verify the debt and see if I have already paid it. I told them if it was valid I would pay it. Before I could even get the statement I noticed that the company put this debt out on my credit report. I told them I would pay the debt so reporting this immediately has hurt my credit. I will be paying this but I would like this to be removed from my credit report.
02/21/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 94089	Web
Looking at my credit report I saw a collections account from Kansas Counselors Inc opened on XX/XX/XXXX ( original creditor : XXXX XXXX XXXX ) with a balance of {$1300.00}. At this time I was in school and only home temporarily for summer. My mom was with me and supplied her insurance information along with filling out much of the paperwork for me as I was still under her plan. Neither a bill from the hospital nor a letter from Kansas Counselors ever made it to me. Without any information about the account that is attempting to be collected, I sent a debt validation letter by certified mail on XX/XX/XXXX. On XX/XX/XXXX XXXX the letter was delivered. It is now XX/XX/XXXX over two months later and I have not heard a reply to this request for validation and it is still being reported to the credit bureaus. USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX
07/27/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 64014	Web
I had 3 charges for XXXX dollars on my credit reports with Kansas counselors of Kansas City debt collection agency. However these are for medical bills at a hospital I have never personally been to. I disputed the debt and it was removed from 2 out of 3 credit reports however they made a comment on my XXXX that says customer disputes debt reinvestigatom in progress. This proves they have already investigated this debt and have found nothing to legally tie me to this debt but are trying to hold on to it on my credit to penalize me for what may have been identity theft. I have not had any western medicine in a number of years that number of years would go far beyond the limits of any agencys legal right to report to my credit. I checked in to fdcpa laws and they say the creditor has to remove the debt until they have proof and the burden of proof is on them.
08/31/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 641XX	Web
I recently pulled a copy of my credit report and noticed this medical collection from kci so I send them a letter XXXX XXXX,2017 with certified number XXXX for account number XXXX. Requesting validation of this alleged debt they claim i owe them. I have requested that they prove that i am indeed the party they are asking to pay this debt the date of the alleged medical service the name of the patient and proof there is some contractual obligation binding on me to pay this debt. They have refused to provide copies of any agreement I have with them that grants authority to collect on this alleged debt or proof of acquisition by purchase or assignment and authorization under subtitle D of the ARRA, SEC 13401. APPLICATION OF SECURITY Provisions AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY
07/01/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	MO 64086	Web
I signed up to check all XXXX credit reporting bureaus on the " Score Since '' website on XXXX XXXX XXXX. On XXXX and XXXX I noticed a negative report that I was n't notified of by phone or mail on this negative account. It was reported to both credit reporting as being Reported Since XX/XX/XXXX Date of Status XXXX/XXXX/XXXX Last Reported on ) @ XX/XX/XXXX for the amount of {$570.00} Terms 1 month. Reported from Kansas Counselors Inc. XXXX. XXXX XXXX XXXX XXXX, KS. XXXX # XXXX. I have never received a statement by phone or mail. I have resided at the same residence for 6 years XXXX XXXX and the same phone number. I called K.C.Inc. on XXXX XXXX to file a dispute with them was told " I could n't file a dispute '' ... '' I might as well just pay it '' ... '' who pays my bills? " .... It was a very humiliating and demeaning response!
08/05/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NE 68502	Web
XXXX Received notification through XXXX that a delinquent account had been added to my credit report. Call the debt collector, Kansas Counselors @ XXXX CST. Was informed that I owed a debt from XXXX to XXXX XXXX XXXX. Called XXXX XXXX XXXX @ XXXX CST. Informed that there was a debt from XXXX of XXXX in the amount of approx. {$180.00}. Claimed they sent a bill for these services in XXXX. I have no recollection of this bill ever coming. I requested XXXX XXXX XXXX forward me a copy of the original invoice. Provided them my email address. They never sent me the bill. One, I question the validity of the bill AND two I question the practices of a company who would wait 3 years and with NO notice sell a debt to a third party collector. What am I supposed to do in this situation to protect myself? My credit?
04/13/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 641XX	Web
I pulled my credit report from All three credit bureus ( XXXX, XXXX, & XXXX ) for the sake to see what is on there to clean up and improve my Credit Score. I Notice this Company was on my Credit report. I sent several letters complaining to both the Credit Bureus and This Company and to remove the Hard Inquiries and Negative Account information from my credit report for about a year now give or take. So far there are no results. I believe it is fraud and a scam collection company trying to get money from me and pretending to be representing on behalf of another random company. My goal is to simply get this company and their negative claims and Hard Inquiries to be permanently removed and deleted from my credit report from all 3 Credit Bureus.
12/01/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	XXXXX	Web
Upon reviewing my credit report I noticed that my credit had dropped over XXXX points recently. There are several duplicate collections accounts on my report that do not belong to me. They are my wife 's medical bills, not my own. I did not consent to any of the care that she received in the hospital, that was her choice alone. Attached you will find photo copies of my credit report and my wife 's. The first photo with the circled collections is mine, the other photos are screenshots of my wife 's credit as listed online through the portal. She has consented to me sharing these photos and I will list her contact information along with mine so that you may reach out to certify consent if necessary. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
02/04/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 64119	Web	Servicemember
Kansas Counselors and XXXX XXXX are attempting to collect a debt that is not mine. The debt is for my son. They have reported it to the credit bureau and it is affecting me negatively. I have a court order in place since XXXX that states that My childs father is responsible for all medical debt and to provide medical insurance for him. I have reached out to both companies on numerous occasions to resolve this issue. I sent them copies of the court purser signed by the judge stating that XXXX is responsible and they refuse to take this off my credit report. They told me that the court order is irrelevant and I am responsible since it is my sons bill. The date on this collection account is XX/XX/XXXX for the amount of {$270.00}.
11/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30281	Web
I was not given the opportunity to opt-out under 15 USC6509 of the third-party reporting and I have not provided written consent for this third party to report anything on my report and with the negative information, has caused harm to my well-being stopping me from providing for my family or providing a way of life for my family according to the privacy act of 1974 XXXX information should not have been sold or given to this agency and this is also a HIPPA violation providing my personal medical information. XXXX and XXXX have allowed this agency to report negative information on my report and medical bills are no longer to be reported. I do not consent to any written or verbal agreement in the past and in the future.
02/08/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MO 641XX	Web
I have NO CONTRACT with this collections agency. Not only have they failed to show me proof otherwise with any documentation bearing my signature, showing the account is being reported accurately. They claimed to have send me out several letters but I have not received any letter at all bearing my signature that I have signed or any copies HIPAA authorization. I am guessing that they are unaware that an itemized document or a printout of a bill does not constitute verification. I feel as though several violations have occurred : Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
05/28/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IL 616XX	Web
I submitted insurance information to this company, I received XXXX and XXXX insurance I provided to this company.. This company agreed to remove this item from my report and still hasn't done so after payment was submitted. Insurance information was provided during time of visit, but this company administration neglected to enter the information accurately.. I submitted information again directly and still haven't received the fair credit report results... This company is refusing to investigate and solve this issue professionally and accurately.. The balance has been paid and all documents have been sent to complete the final bill.. The report is false and has caused unfair damage to my credit file..
07/13/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OK 73069	Web
I have tried to explain to Kansas Counselors that the amount they are trying to collect has been paid in full to the provider. This bill was part of a settlement from wreck. My attorney and I have both tried to have this conversation with them and they refuse to take the documentation provided as prof this matter has been fully resolved. I am not paying a company whom I did not contract services for a bill that Ive already paid in full to the provider whom I did contract services. I did not provide my information to them and Ive explained to them they need to take this matter up with the originally creditor whom was paid in full. Please help me resolve this once and for all.
05/04/2023	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	IL 616XX	Web
On XX/XX/XXXX XXXX XXXX I received a notice from XXXX saying I owe a Medical debt of {$1100.00} from a XXXX XXXX visit from XXXX I advised the company I had insurance during the time of the visit and still have the same insurance currently.. The company told me it's been too long to accept my insurance.. I noted this was done in error on behalf of the hospital because I provided insurance information during the visit.The company refused to refile this collection.. Kansas Counselor is the collection agency who reported to XXXX on behalf of XXXX XXXX XXXX XXXX in the State of Kansas... I receive XXXX and XXXX since XXXX to current.. This issue should have never taken place.
06/23/2022	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	NE 685XX	Web
I had car accident on XX/XX/2019 and my car was hit and I forget to provide my medical insurance card to hospital at register and had time to bring back to hospital and providing it and after that I had many bills send with same information to provide way to pay medical bill related to incident and I answered the caller from Kansas counselors agency and its collection agency and the amount was even different its was {$31.00} and then {$150.00} and after that I had also another collection bills for {$1100.00} and its had my son name and he never been to hospital he was only with during accident but he had no injury and so XXXX XXXX XXXX charged my son for nothing too.
04/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30274	Web
I have 2 accounts on my credit report that I am trying to get deleted. I have sent letters to the collection agency asking for written validation and verification that this debt is mine. They have not responded. I have also sent letters to XXXX and XXXX asking them to remove these unverified accounts from my report. They have not deleted them. Section 609 and Section 611 of the FCRA states that I have the right to request that all information that can not be verified be promptly deleted. The collection agency and the two Credit reporting agencies are in violation of my civil rights and Federal Law. I am now filing complaints with the CFPB to resolve this matter.
01/10/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	KS 66109	Web
I received my credit report showing Kansas Counselors as a collection agency. The listed account was XXXX. I sent certified letters XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018. In the first letter, I requested verification showing this debt belong to me. I have consistently asked for this information. Unfortunately, they have not provided the documents I have asked for ; however, they continue to communicate with the credit bureaus this debt is verified. Due to this inaccuracy, my credit score continues to decrease, my credit offers come with high interest and most times I am denied credit. I am need of your assistance in this matter.
10/26/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	MO 63125	Web
Kansas Counselors continues to show a medical bill on my credit report that is in collections and last reported XX/XX/2016. They have been notified by the courts that this was included in a chapter XXXX Bankruptcy that was confirmed XX/XX/2016. I have made multiple attempts via email to have them remove this from my credit report as a current collection account. This is making my score XXXX points less than the other credit report. They do not respond via phone or email. I have also given them my attorney 's name XXXX XXXX and phone number XXXX. They continue to ignore my complaints. Please help me to get this resolved.
04/05/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NE 685XX	Web
I had an XXXX XXXX visit with a local XXXX. I submitted my health insurance card at the times of service. Several different providers billed my insurance for the visit, one provider did not. Instead of billing my insurance for the visit this provider marked it, according to the collection agency they sent it to, as " self pay ''. The collection agency refuses to send the debt back to the original provider to be properly billed by my insurance carrier. Despite being informed of the fact that the billing on the account wasn't properly handled and the amount owed is inaccurate, they insist it is a valid debt.
10/22/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	KS 662XX	Web
I have a medical debt from 2014 that was paid through the doctors office. The original occured because of an insurance issues that took a few weeks to be fixed. The debt was sent over to kansas counselors and never placed on my credit until 4 years ago. my wife and I have tried to reach out to Kansas Counselors, we don't get any type of information regarding the debt, except the basics. When I asked questions regarding the reporting or why this is now being collected on. Each collector informs me that I need to speak with a superivor. They are never available. I have left over 7 messages and nothing.
02/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MO 641XX	Web
I DISCOVERED VIA MY CREDIT REPORT FRAUD ACCOUNTS THAT I DID NOT OPEN, I THEN CONTACTED THE COMPANIES AS WELL AS THE THREE MAJOR CREDIT REPORTING AGENCIES. TO MY DISMAY, THREE COLLECTIONS AGENCIES ARE STILL TRYING TO COLLECT ON THESE FRAUDULENT ACCOUNTS. I SENT TO THE CREDIT AGENCIES A LETTER AS WELL AS AN FTC REPORT AND A POLICE REPORT AND STILL, THESE COMPANIES ARE TRYING TO COLLECT MONEY ON AN ACCOUNT THAT IS NO MINE. XXXX XXXX XXXX FOR $ XXXX ACCOUNT NUMBER XXXXXXXX KANSAS COUNSELOR XXXXXXXX FOR {$1100.00} ACCOUNT NUMBER XXXX XXXX & XXXX XXXXXXXX FOR {$450.00} ACCOUNT NUMBER XXXX
05/13/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 19136	Web
The last time I went to this dr my b ill was paid in full. They also charged me too much money and gave me the remaining balance back. They also charged me for xrays that were not given. This matter I thought was dealt with. I want all bills and payments showing this is owed. I also had insurance. They messed up every time I went in there. I do n't owe anything to this dr . I am paid in full every time I seen this dr ( co payment ). You have to pay any amount due otherwise they wont see you. I do n't owe anything. I want this removed from my credit file right away.
05/18/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	KS 66104	Web
XX/XX/2021 - sent dispute letters to XXXX XXXX XXXX XXXX to validate the collection account on my report in the amount of # XXXX and # XXXX XX/XX/2021 - sent dispute letters to XXXX XXXX XXXX XXXX XXXX XXXX XXXX again validate the collection amount on my report for the amount of {$280.00} and {$910.00} XX/XX/2021 - sent dispute letters to XXXX XXXX XXXX XXXX as XXXX as KS Counselors to try and validate the debt/settle the debt because I have still not heard anything from either credit bureaus and ks counselors for the amount of {$280.00} and # XXXX
08/05/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MO 64155	Web
I received a notification that i had a account in collections, it was originally from a hospital i received financial assistance from. I called them and they said they would contact the collector and remove it. I waited some time and contacted the collector, and the collector told me the account was being removed and to wait 30 days. I have waited 3-4 months and the account is still in collections, every time i dispute it, the creditor says correct balance, correct account, ect. Collector : Kansas Counselors Inc, XXXX XXXX XXXX, XXXX XXXX, ks XXXX
05/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	KS 671XX	Web
I am receiving automated calls on my cell and at work with the threat of a pending wage garnishment. I have no lawsuits filed against me and no pending wage garnishments. The call says to wait on the line and an operator will help you, but when you wait on the line, the call ends after 30 seconds or so. No one comes on the line and no one identifies the company name in the calls. The phone number making the call is XXXX. I wrote to KCI to dispute the debt they are trying to collect on, and never received a response from them.
07/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	MO 64014	Web
did a dispute numerous times. Kansas councilors has added this on my credit report since XXXX under different file numbers. I have talked to each credit bureaus and nobody will help me. Kansas councilors just re adds it back on since XXXX I have asked for proof of here I signed something for them to have my info and never received. Thnni keep trying to explain it is the same file that they keep adding just another number in a different file. Nobody will help me. I have adds the last report number that I made to dispute.
05/31/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	KS 667XX	Web
I wrote to KS Counselors requesting validation of an alleged debt under 15 USC 1692, after learning that theyre reporting such to the credit bureaus. I sent the request certified mail, return receipt requested ( see letters, receipts attached ). They received my initial request and failed to respond in a timely manner. I sent them notice stating that their failure to respond was a violation of federal law and they had a duty to cease reporting of alleged debt. Theyve received said notice and still continue reporting.
05/05/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO XXXXX	Web
I was NEVER notified by phone or mail of this debt and it just APPEARED on my credit without notice. Furthermore, it looks like the original debtor of this erroneous debt was XXXX XXXX XXXX XXXX , and they appear to have sold it to Kansas Counselors, account was opened in XXXX therefore the contract is CANCELLED and i should not be contacted about this debt again. Please remove this debt from all bureaus asap. Im trying to buy my first home and this unknown debt is really affecting me ''
06/10/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MO 64030	Web	Servicemember
Only after running a credit report did I find out I had a medical bill in collections. I was notified on XXXX by the lending agency of the credit report. I called Kansas Counselors, Inc ( KCI ) on XXXX and left a message requesting written notification of the attempt to collect the debt as I had not received such notification. I have not received any notice nor communication from KCI to date. This debt originated at XXXX XXXX XXXX XXXX, moved to their billing group XXXX then onto KCI.
02/27/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MO 641XX	Web
I was checking my credit and saw it decrease drastically and there was an account in collections claiming I took an ambulance to the hospital. I called and sent them a dispute after I was informed that was the thing to do. After a month passed, AFTER I 've mailed and faxed my dispute letter, Kansas Counselors , Inc are still stating they have n't received my dispute letter. I mailed and faxed the copy with the information they gave me. I 'm pretty much at a standstill on what to do.
11/17/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 641XX	Web
XXXX. The inquiry was not authorized Kansas Counselors Inc. Date of inquiry : XX/XX/XXXX Account XXXX XXXX : {$310.00} XXXX. Please remove it from my credit report. XXXX. The following account is not mine Kansas Counselors Inc Account Number : XXXX Balance : {$870.00} Please remove it from my credit report., These do not belong to me. I've sent in letters requesting these be removed and have not heard any thing back. It's been 30 days since letters were sent in ( as XX/XX/XXXX )
08/26/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NE 688XX	Web
I am a guardian of the patient who used the medical facility. I do not and have never been in control of his finances. They turned the bill over to collections, then instead of the patient 's name on the bill for payment, they put my name on the bill requesting that I personally pay it. They asked, over the phone, if I had drove him to the hospital. I responded I did not and my name should have never been substituted on this bill.
02/17/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MO 64050	Web
I have disputed this item with the credit reporting agency and they reported confirmed the account as valid. In a good faith effort to resolve the matter amicably, I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of the authority in this matter. They have failed to comply with investigations.
02/05/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	KS 66048	Web
Company filed recently several claims on my credit report. Each time they said I owed {$500.00}. I have never been contacted by this company. I have never received any documentation from this company. And they just updated an additional amt of {$500.00} on my credit report like it was a different debt then what they already posted. This seems very fraudulent
08/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MO 64138	Web
I have a loan with XXXX XXXX ( Original Creditor : XXXX XXXX ) and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) and XXXX with no successful resolution. There was definitely an error on their part.
05/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 64068	Web
Kansas Counselors Inc. and XXXX XXXX are reporting debts I do not owe. I have not been to the doctor 's since the 1990 's, these debts are not mine. Furthermore Kansas Counselors Inc is past the statute. The account # 's are Kansas Counselors Inc # XXXX and XXXX XXXX # XXXX. I do not owe these debts and they are not mine.
11/02/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 64134	Web
XXXX Account Number XXXX Status Updated XX/XX/XXXX Balance {$620.00} KANSAS COUNSELORS INC Account Number XXXX Status Updated XX/XX/XXXX Balance {$100.00} XXXX XXXX XXXX XXXX Account Number XXXX Status Updated XX/XX/XXXX Balance {$5000.00} XXXX XXXX Account Number XXXX Status Updated XX/XX/XXXX Balance {$7100.00}
07/26/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	KS 66106	Web
I have filed a FTC report letting companies know that I was a victim of identity theft. The company KANSAS COUNSELORS INC., have not removed their account from my credit, which is linked to the identity theft. After multiple attempts, they are still reporting and are violating the Fair Credit Reporting Act.
07/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	MO 640XX	Web
I need help, I have disputed a medical charge without receiving full validation and this company is now threatening me. They call during working hours etc. All I need is actual validation of this to review. Why is it so hard to obtain? Why does a collection firm need to be rude and threaten a person to pay?
10/01/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	KS 66044	Web
KNSCOUNSELORS at XXXX called on XXXX at XXXX XXXX attempting to collect a debt. I told them this was my work and they should not call my work again. They called again XXXX/XXXX/2015 at XXXX ( XXXX ). I again asked them to stop calling or I would report them to the FTC and they said tough.
10/24/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	KS 662XX	Web	Servicemember
Please see attachments. XXXX Counselors is violating my consumer and privacy rights, the FDCPA and the FCRA. XXXX Counselors has committed fraud by purchasing, obtaining, using and trafficking to third parties my nonpublic personal information to coerce payment from a debt i do not owe.
04/26/2022	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	TX 78660	Web
XX/XX/2022 at XXXX Kansas Counselors XXXX called my workplace and left voicemails inquiring about my name. I have never once listed this number on anything medical or financial related, so not sure how it was obtained. This is not the first time they have called.
11/03/2017	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	MO 63125	Web
They are calling my job and my cell phone all day long. I am XXXX, work part time and have no way to pay this emergency room bill. I have explained that they are wasting their time but they keep calling and calling my employer is going to get me in trouble.
01/23/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	KS 661XX	Web
A collection company named Kansas Counselors has reported three collection accounts on my credit report. They were supposed to supply me with a notice of my right to dispute, prior to putting these accounts on my credit report. However, they did not.
11/15/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 641XX	Web
According to the Fair Debt Collection Practices Act my rights have been violated by this company and causing immediate harm to me and my damaging my name also violating my right to privacy and consent which I never gave. Refer to documents attached
04/06/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MO 641XX	Web
This company is reporting multiple debts on my credit report. Ive sent a certified mailed letter asking the company to verify the debts and I have not received a response. The debt verification letter was sent XX/XX/2021 And received XX/XX/2021
10/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KS 662XX	Web	Servicemember
PLEASE SEE ATTACHMENTS. XXXX is using abusive and fraudulent means to harass me into coercing a debt that pertaining information they are in possession of illegally. XXXX refuses to comply with HIPAA and GLB Act laws that protect my privacy.
12/01/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MO 64014	Web
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
11/23/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 641XX	Web
XX/XX/2018 and XX/XX/2018 I sent certified letters to Kansas Counselors asking them to validate the debt they are stating belongs to me. I received no correspondence back nor was it removed from my XXXX, XXXX or XXXX Credit report.
09/21/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32205	Web
KANSAS COUNSELORS INC. Is on my credit report, I have never heard from these guys at all. I dont know who they are and they have never contacted me or verified anything They are saying I owe XXXX dollars but I dont know for what
07/25/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	KS 667XX	Web
There are XXXX collections on my credit report from this debt collector and the hospital and I are working on a XXXX case to XXXX all of my bills. These should not have been put on my credit at all. The amounts are XXXX, andXXXX.
05/03/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 641XX	Web	Older American
XXXX XXXX and XXXX XXXX XXXX asked me for me social security number to try and file me on their taxes. Now I see this on my credit. I dont know what the company is or what debt is owed or why? I think they stole my identity.
06/07/2022	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	MO 64118	Web
I sent a debt validation letter 1692g to collections, no response. Collection opened XXXX for amount of {$770.00} Collection opened again XXXX for amount of {$1100.00} Same collection agency : Kansas counselors Inc.
04/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	MO 64014	Web
Take a look at this info : It was already deleted by XXXX at one point and I still have an account with them which is and has been in deferment! Please delete late and stop holding me as a consumer back.
12/26/2016	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	SC 292XX	Web	Servicemember
Debt is not valid. At time of services we had 100 % coverage for medical. I called the office and they admitted to filing under wrong XXXX and stated they would confirm with XXXX and remove the debt.
11/27/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 64055	Web
XXXX XXXX {$850.00}, I sent numerous dispute and letters of resolutions that this is not a accurate debt and not mine. They illegal billed my wife insurance and then removed the debt back to me.
01/17/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	MO 641XX	Web
I have disputed this several times which this account is unknown to me and have requested validation. I have heard nothing back. Please help
05/12/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NE XXXXX	Web
They are credit reporting and attempting to collect a debt that was covered through my insurance plan.
08/24/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MO 641XX	Web
THIS WAS FRAUD, SOMEONE MUST HAVE USE MY NAME FOR XXXX XXXX XXXX
02/05/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	MO 641XX	Web
Debt has not been verified ca n't provide contract or signature
09/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KS 66104	Web
The accounts mentioned aren't mine.
02/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OK 73120	Web	Servicemember

01/18/2024	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	KS 66062	Web

01/10/2024	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 64112	Web

12/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	KS 671XX	Web

12/08/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	KS 66212	Web

10/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 64138	Web

08/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 64138	Web	Servicemember

08/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	KS 66048	Web

06/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 64134	Web

06/19/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	IL 61603	Web

03/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 64124	Web

02/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	KS 66212	Phone

02/22/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	KS 67220	Web

02/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 64055	Web

02/19/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	KS 66112	Web

12/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 64133	Web

11/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	KS 66221	Web	Servicemember

10/31/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MO 64011	Web

10/28/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	KS 66210	Web

10/21/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	KS 66104	Web

09/29/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	KS 66007	Web

09/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 64132	Web

06/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MO 64138	Web

06/22/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MO 64014	Web

04/14/2022	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MO 64050	Web

03/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	KS 66102	Phone

03/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	KS 66213	Web

01/13/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	KS 66213	Web

11/17/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	KS 66102	Web

11/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MO 64138	Web

11/09/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NE 68105	Web	Servicemember

11/05/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MO 64082	Web

09/22/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 64165	Web

08/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	KS 66226	Web

07/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MO 64138	Web

06/20/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 64015	Web

06/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	KS 66106	Web

05/21/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 65323	Web

05/10/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 64118	Web

05/10/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 64118	Web

04/20/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 64130	Web

03/19/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 64134	Web

02/26/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OK 73012	Web

02/08/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	KS 66202	Web

02/01/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 64055	Phone

12/04/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MO 64029	Fax

10/16/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours		Phone	Servicemember

09/16/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MO 64086	Referral

08/21/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OK 73012	Web

08/20/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	KS 66202	Web

08/07/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	KS 66762	Web

06/18/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	KS 66202	Web

05/28/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 64134	Web

04/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 76542	Web	Servicemember

04/10/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 75032	Web

02/23/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76542	Web	Servicemember

01/28/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 64079	Web

01/05/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 64132	Web

12/27/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 64134	Web

11/10/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	KS 66112	Web

10/10/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	KS 66763	Postal mail

04/22/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 64130	Web

02/13/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 64110	Web

02/06/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MO 64133	Web

01/30/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 63383	Web

01/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	GA 30132	Web

12/24/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 64133	Web

10/31/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 64133	Web

10/30/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 64133	Web

10/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 64068	Web

08/29/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	KS 66106	Web

04/27/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WA 98032	Web

03/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 64133	Web

03/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 64133	Web

03/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 64133	Web

02/20/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 64132	Web

07/29/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	KS 66214	Web

06/29/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 64134	Web

03/06/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MO 64083	Web

03/06/2017	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	NC 28083	Web

03/03/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	MO 64134	Web

02/10/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MO 64138	Web

02/08/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	MO 64134	Web

02/03/2017	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	MO 64138	Web

01/24/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	KS 66517	Web	Servicemember

01/03/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	KS 66048	Phone

11/14/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	KS 66202	Web

10/20/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	MO 64152	Postal mail

09/09/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	NE 68516	Web

07/28/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	KS 66103	Web

07/21/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	KS 66213	Web

05/28/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IA 50021	Web

04/21/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 30319	Postal mail

04/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	MO 65810	Web

03/30/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	KS 66210	Web

03/15/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MO 64134	Web

03/01/2016	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	MO 65810	Web

12/18/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	KS 66760	Postal mail	Older American

10/16/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	MO 64114	Web

08/07/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	NY 14226	Web

06/02/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	KS 66502	Phone

04/21/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	KS 66061	Web

04/12/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	KS 66027	Web	Servicemember

03/03/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	KS 66016	Web

02/19/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	OK 73112	Web

02/05/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	MO 64145	Web

12/30/2014	Yes	Debt collection Medical	Improper contact or sharing of info Contacted employer after asked not to	OK 73109	Web

11/10/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	NE 68164	Web

10/13/2014	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	MO 64040	Web

08/23/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	KS 66618	Web

07/27/2014	Yes	Debt collection Medical	Communication tactics Called outside of 8am-9pm	WA 98037	Web

03/27/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	MO 64012	Web

03/07/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MO 64016	Web	Older American

02/12/2014	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	MO 64029	Web

01/13/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	MO 64129	Web	Servicemember

11/12/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	KS 67060	Phone	Servicemember

10/05/2013	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OK 74075	Web

08/15/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MO 64114	Web