Keynote Consulting, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
02/25/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60443	Web	Servicemember
Keynote Consultant agreed on the XXXX XX/XX/XXXX to remove a charge off that was due to fraud from my account which they did with every intention on transferring this trade to a debt lawyer that works hand in hand with this deceptive and rogue company. The two enterprises target XXXX and poor people in XXXX XXXX Il. 1. On the XXXX of XX/XX/XXXX I receive mail from 2 law firms informing me that I being sued for a credit card debt. 2. After research I found out that Key note consultant lied and transferred the fraudulent debt to XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone # XXXX 3. I immediately called XXXX XXXX XXXX XXXX and spoke with XXXX XXXX at XXXX XXXX XXXX XXXX located in XXXX XXXX Illinois at XXXX and she confirmed to me that Keynote Consultant was handing this account. Mind you that this was a recorded phone conversation. I explained to her that I had filed a complaint in XXXX and this account was removed from my credit files due to fraud, and she acknowledge that she knew that it was reported as fraud. 4. I called Keynote consultant to find out what was going and asked why would they trade an account that was fraud and they immediately rushed me off the phone and gave me the number to XXXX XXXX, which I already had. 5. Called XXXX XXXX spoke with XXXX the Owner and explained that the account was removed from my credit file by keynote consultant due to fraud. XXXX was surprised to know that Keynote had illegally traded an account to them without disclosing that they had agreed after consulting with XXXX to remove the fraud account from credit file. I spoke with XXXX and I agreed to send him a copy of the report from CFPB dated XXXX XX/XX/XXXX, displaying that they ( Keynote and XXXX ) agreed upon to remove the item from my credit report on XXXX XX/XX/XXXX. Therefore Keynote deceptively and illegally transferred the trade to their go to deceptive attorney. Mind you that the FTC have sued many collection agencies for this same type of deceptive practices became they prey on the poor XXXX and XXXX people. 6. I also filed an official complaint with the FTC Report # XXXX. 7. This entity KeyNote Consultant is operating a fraudulent enterprise by working with a shady collections attorney and preying on poor XXXX and XXXX people throughout the state of Illinois. Besides that they have no integrity and fail to take ownership for their lies. They operate as though they are not afraid of breaking federal laws. 8. They are in violation of the Fair Credit Reporting Act and they also believe that they are above the Law. I also filing a claim with the Illinois Attorney General because I am a XXXX Veteran and they are lying, deceptive collectors trying to illegally deceive a XXXXXXXX XXXX XXXX XXXX. 9. Please evaluate and assist me in filing a Federal Lawsuit with the FTC and Illinois Attorney General so that we can put an end to these deceptive ways in which Keynote consultant operated in Illinois. They are flooding the courts and taking advantage of the less fortunate, poor people, and people of color in the state of Illinois. 10. I requested a debt verification letter last year and they failed to send a proper one to me. This organization is in dire need of an investigation by some one that is willing to reach out to them. They tend to feed CFPB A bunch eye wash because they know that you don't have the power to stop them and their deceptive practices. I ask that you take a deep dive into the way in which this shady and deceptive enterprise operate in the State of Illinois. Please forward this report to the FBI, FTC, US Attorney, and Illinois Attorney General.
05/03/2018	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 33619	Web
Keynote Consulting has continuously called me for a medical bill from XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. In XX/XX/XXXX, at the time of my doctor 's appointment, I was a XXXX student at XXXX College XXXX and had XXXX student health insurance that was covered my visit to the facility and was responsible for the money owed to XXXX XXXX XXXX XXXX XXXX. My understanding is the student health insurance never paid XXXX XXXX XXXX XXXX XXXX for my visit, though they were responsible for the bill. XXXX College discontinued providing student health insurance in XX/XX/XXXX, stating the coverage ended because XXXX discontinued their student health services. The first time Keynote Consulting called me I clarified to them that at the time of my appointment I had XXXX Student Health insurance which I provided to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as well as paid my copay on the date of my appointment. I further explained that I was not responsible for the bill because of my coverage through XXXX, in addition to paying my copay. I provided them with the last known contact information I had for XXXX 's student health services and advised they contact XXXX to collect the debt, as XXXX was the responsible party for the debt. Keynote Consulting continued calling me daily. Specifically, I have receive the most calls from their employee, XXXX XXXX. Keynote Consulting now has repeatedly contacted my fiance, XXXX XXXX. The first time they called XXXX they informed him they were a debt collector calling because XXXX XXXX has not paid a medical bill and the medical office had given the case to them to resolve and collect payment. The first time they called XXXX was XX/XX/XXXX, which is before we were even engaged. In summary, Keynote Consulting called my boyfriend, informing him they were a debt collector, and XXXX XXXX had unpaid medical bills they were collecting on behalf of the medical facility. They requested he speak to me about the debt and inform them my response to him regarding if I was going to pay the debt. Keynote Consulting called XXXX three more times within one month, XX/XX/XXXX through XX/XX/XXXX. In XX/XX/XXXX, I informed Keynote Consulting they did not have permission to call my boyfriend, nor to harass him by continuously calling, nor inform him they were a debt collector, in addition to informing him I had unpaid debt owed to a financial institution, and requesting he investigate my intentions to pay or not pay them. Keynote Consulting stopped calling XXXX XXXX at that time. Then, in XX/XX/XXXX they called XXXX XXXX again informing him who they were and that they were contacting him due to still not having heard from XXXX XXXX and wanted to know if he had spoken to me about the debt. XXXX XXXX told them never to call him again, they did not have permission from to do some from XXXX XXXX, as well as he never gave them permission to contact him. Keynote Consulting did not contact XXXX again in XX/XX/XXXX. In XX/XX/XXXX, Keynote Consulting called XXXX again to inform him they had still not be able to collect the debt from XXXX XXXX. They asked if he was willing to give his credit card to pay for the debt for me. XXXX told them to stop calling him and hung up the phone. They did not call XXXX again XX/XX/XXXX. In conclusion, I am not responsible for the debt. XXXX XXXX XXXX XXXX is the party responsible for the debt owed to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Additionally, Keynote Consulting does not have the right to contact XXXX XXXX, whom is not even related to me nor do we have an employee/employer relationship of any kind.
05/24/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	DC 20001	Web	Servicemember
Key Note Consultant, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX has used illegal and deceptive practices to prey on XXXX and XXXX people in the state of Illinois. This predatory debt collection agency makes millions of dollars a year preying on poor XXXX people in this state. They focus on poor XXXX because they know that they are struggling and having a hard time making ends meet They purchase tons of old debts that have been written off as a tax loss and they go after poor XXXX people. They can not and shall I say will not produce a legitimate debt validation letter when ask to do so. They also run a scheme when you challenge them they will remove the item from your credit report and soon after they will file a lawsuit using another predator whom has a law firm by the name of XXXX XXXX ( owner operator XXXX XXXX. ). Once the law suit is filed they are hoping that the individual does not show for the lawsuit so they can go for a judgement with the intend of garnishing poor XXXX people little money that the have. Key Note Consultant works hand in hand with a law firm that specializes in suing poor XXXX people in XXXX XXXX Illinois. It has been written and proven that these type of operations prey on XXXX and XXXX people. Rarely does this operative go after XXXX people. If you do the number in XXXX XXXX Illinois your will find an over whelming number of XXXX being sued for old, outdated, and debt that has never been validated. Even the XXXX XXXX states attorney stated that she is disappointed at the level of XXXX injustice in the courts of XXXX XXXX ill. They also use dirty tactics by using the XXXX XXXX XXXX to serve poor XXXX people as a way to intimidate, scare, humiliate, embarrass, and harass poor XXXX people by beating on their doors to serve them as though they have committed a serious crime. This predator behavior needs to cease now. They knock on doors of people that no longer live there as though they have a warrant when in -- fact they do not. I have forwarded this letter to the Attorney General, XXXX XXXX XXXX, XXXX XXXX States Attorney and also the FTC. I am not concerned about a resolution from this organization because all they do is lie, cheat and steal from the less fortunate that have been victimized by fraud and identity theft. It is illegal for debt XXXX working with rogue lawyers to orchestrate such deviant behavior, by trying to extort money from people illegally by filing bogus debt collection lawsuits on people that do not live in XXXX XXXX or state for that matter. Im asking that your agency, the attorney generals, and all federal agencies ban the ring leaders of this operation from the industry to halt any further misconduct. Please forward this information to the FTC and the Illinois Attorney XXXX office because this debt collection agency thinks that you are a joke. They know that once they say that they are going to do something there is no check and balance. I would like for you too serve this debt collection agency for misconduct I will continue to file complaints on this operation until they are brought to justice for deceptive practice, lying and misconduct. They say that they are going to do one thing and they turn around and sue you intentionally for they sake of collecting money feloniously.
01/04/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 761XX	Web	Servicemember
To Whom It May Concern, I recently reviewed my credit profile and noticed quite a few inaccuracies, falsifications, incomplete information, as well as accounts that are Un-Verified and more. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all of the information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U.S.C 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediate The infractions are as follows : Keynote Consulting Keynote Consulting , Inc . XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Cease and Desist. I DO NOT KNOW WHO YOU ARE AND I HAVE NEVER DONE BUSINESS WITH YOU ALL. REMOVE THIS FROM MY CREDIT FILE IMMEDIATELY. Not only is it illegal for a 3rd party collection agency to collect a debt that never originated with you all, I have no recollection of doing business with you. Not sure who you are or why this is here. The information you all are reporting is 100 % false! - inaccurate. I never gave ANYONE FROM YOUR COMPANY my written consent for any debt and I DONT NOT OWE YOU ANYTHING I am demanding that this account be updated to paid as agreed and Never Late. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIACE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. The goal with my credit profile should be maximum possible accuracy. What is actually fair and true. None of this is 100 % accurate. This has caused me to experience so many damages its unreal. The inability to get a loan, the inability to get a high limit credit card or even a mortgage. If I am offered anything Im met with the highest interest rates, high down payments and no grace periods. Everything on my credit report has been causing me a great deal of stress, XXXX. Thats not okay, fair or true. I demand to be compensated for each violation on my credit report in accordance with the Fair Credit Reporting Act this creditor has violated my rights under ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can NOT furnish an account I will await your reply. Kind Regards, XXXX XXXX XXXX
06/14/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	IL 60637	Web
XXXX XXXX XXXX SENT A COLLECTION FOR AN AMOUNT THAT IS NOT OWED. THEY HAVE BEEN VIOLATING MY FCRA RIGHT FOR 2 YEARS AND REFUSE TO UPDATE THE CORRECT AMOUNT THAT IS TO BE PAID FOR A VISIT NOT COVERED BY INSURANCE. I CANT PAY ANYTHING TO THEM UNLESS IT IS UPDATED ON PAPER. THEY ALSO NEED TO RESCIND THE DEBT FROM KEYNOTE BECAUSE THAT DEBT IS NOT VALID NOT HAS IT BEEN VALIDATED. IVE TRIED CALLING XXXX SEVERAL TIMES REGARDING THIS ISSUE ALSO BELOW IS THIER REPLY TO A XXXX COMPLAINT THAT WAS FILED. FIRST AND FOREMOST COVID -19 HAPPENED AND TO HAVE REMARKS LIKE THAT BELOW IS BEYOND DISQUISTING. I HAVE ASKED SEVERAL TIMES FOR PAPERWORK TO BE UPDATED WITH NEW AMOUNT OWED FOR VISIT THAT WAS NOT COVERED BY INSURANCE. IF THE SUBSCRIBER ON THE INSURANCE ASK TO SEE AN IN NETWORK DOCTOR WHY ON EARTH WOULD YOU ALLOW THEM TO SEE SOMEONE OUT OF NETWORK INCURRING UNFORSEEN BILLS. ALSO BEING THAT I ASKED FOR THIS PAPERWORK FOR OVER 2 YEARS AGO IS THE REASON WHY YOU HAVENT BEEN PAID CAUSING EVEN MORE HARD SHIP WITH A COLLECTION NOW. Again. This was sent to our collection attorney in XXXX. Had the patient came into the office and paid prior to now it could have been resolved and marked paid in collections and shown. An account that is over 90 days and a claim where an insurance company advised payment went to the patient and remained unpaid for months after is submitted to our collection attorney after a period of time where calls and statements are unanswered with payment. This account from XXXX would never be removed from collection until a payment was received. This patient if a conversation was had at the time 2+years ago about pulling from collections it would certainly have had an expiration of a week or 2, not years. No services are provided for free and at no time is it acceptable to remain a bad debt after 2 years and a patient file a complaint about an alleged conversation from 2 years ago and make sense. Why wasn't the account paid 2 years ago? Why wasn't the complaint 2 years ago? This would be resolved had the account been paid. Our XXXX office does due diligence for every patient to ensure we receive the correct information for our patients. We bill out the insurances set fees, not our standard fees for in network assumed services which she was billed in network services. Two of the visits XXXX XXXX, XXXX ) the first visit ( XXXX ) PATIENT was inactive but received payment from ins for both visits, the other visit the claim received payment. In XX/XX/2019, the account was sent to collections after 6 months of calls and statements. This accusation is again unwarranted and had the accuser paid her bill this would be over but she chose to ignore the situation for 2+years and now file a complaint with no basis.
09/07/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60077	Web	Servicemember
My ward received services at XXXX XXXX XXXX XXXX in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I first started receiving bills in XXXX and XX/XX/XXXX, by a company called XXXX XXXX XXXX XXXX who claimed they were the billing company for XXXX XXXX XXXX XXXX. These bills were paid. On XX/XX/XXXX, several months after services had ended, and in the middle of a global pandemic I received an emailed bill. I noticed immediately that the bill was incorrect, payments had been applied wrong. I spent over an hour on the phone with a Ms. XXXX XXXX who claimed that the issue was with how insurance was applied and that the issue was going to be resolved. She stated that things would be slow due to everyone working from home and not having accurate access to records during the pandemic, and shut down. To confirm this Ms. XXXX XXXX sent me an email on XX/XX/XXXX, four days after our conversation, with an updated invoice and the invoice showed balance of XXXX. I have both the email and the invoice. There were no further communications, and since the issue was resolved and the balance showed XXXX, I assumed all was well. I received no further communications. Around XX/XX/XXXX, almost a year later I received a phone call from a collection agency ( Keynote Consulting Agency XXXX XXXX XXXX XXXX, XXXX, Illinois ). The collection agency claimed that they had been contracted by XXXX XXXX XXXX XXXX to collect a debt. I told the debt collector that I was disputing the debt, and that I was requesting debt verification, including a copy of the last bill sent to me by the original creditor, and I further asked that proof be provided that Keynote Consulting had been contracted to even collect the debt. I further put this in writing and mailed to the address on file for the debt collector. I heard nothing back from Keynote, additionally to this day nothing has been provided that even proves that Keynote has been contracted by XXXX XXXX XXXX XXXX to collect any debt as part of services rendered, even though this information has been requested. On XX/XX/XXXX, I noticed that Keynote Consulting Agency, after failing to provide debt verification, as required, they reported this collection activity to the three primary credit bureaus ( XXXX XXXX XXXX ). Attempts to resolve these issues from both the original creditor and debt collection agency has failed. Not only are both parties violating the Fair Debt Collection act, XXXX XXXX is also refusing to even provide basic contact information about their agency or even proof that they have been contracted to collect a debt from XXXX XXXX XXXX XXXX, which again is a debt that is false. Please note the very last invoice shows a balance of XXXX. There were no further invoices after XX/XX/XXXX XXXX
05/17/2018	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	IL 60051	Web
On XX/XX/XXXX, I contacted XXXX XXXX XXXX in behalf of my husband who authorized me to speak to the creditor regarding an old debt. XXXX XXXX XXXX stated that they have sold the debt to keynote consulting and so I was transferred to keynote consulting and started working with a guy named XXXX. I requested XXXX for a validation of debt because there is a discrepancy between the amount XXXX XXXX XXXX charged off and also the amount the debt collector has on file. The difference is about 1k, XXXX XXXX XXXX charged off at the debt at $ 2600+ and keynote is collection at $ 3600+. XXXX stated that he does not have to provide me anything and so I negotiated a possible settlement not knowing what my rights are. In the next few days, I did my research and realized that I have the right to request a validation of debt. I called XXXX XXXX XXXX to request this and they responded by saying that only Keynote can provide this so I called keynote back today, XX/XX/XXXX and told XXXX that I am still working on the settlement amount but that I am requesting a validation of debt in writing for our records. XXXX states " your rights to request that has passed and I am declining to provide this to you ''. He repeatedly told me that he is not providing me anything and that if he does provide me anything then my husband and I will have to pay the full amount which is fine but I told XXXX I still want the verification of debt to which he replied " No, I am declining that and I am not required to provide you anything ''. I then told XXXX that I will consult n attorney regarding his decline to provide us with a proof of debt and he said " since you said the word attorney I no longe have to speak to you '' and he disconnected the call. My husband has no recollection of this debt and that is why we are asking for the verification of debt. We never received anything from keynote and the amount difference between what XXXX XXXX XXXX charged off and what keynote consulting is collecting is questionable so we were requesting a breakdown of that difference to which Keynote declined to provide. XXXX from keynote consulting said " if you didm't have a lawyer then you would need one now because you said the word attorney and we are now refusing to speak to you about this matter ''. I never told XXXX we hired an attorney, I told him we will consult one and now he is refusing to speak to us about my husband 's debt and only wants to speak to an attorney.
07/06/2016	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	CA 91423	Web
I was contacted by keynote consulting a Collection Agency regarding a medical bill from XXXX XXXX. I was in collections for this unpaid from XX/XX/XXXX which I was not aware of. I requested Keynote Consulting provide additional documentation to validate the account in collections. They did provide the information regarding the medical visit and it appeared to be legitimate. After discussing the payment options with the agent XXXX XXXX. It was agreed that we would pay the {$400.00} balance in 3 payments. While discussing my options with XXXX it was made clear to me that bye clearing the bill up under the agreement, there would be nothing reported or that would affect my credit with the Credit Reporting Agencies. I did provide Keynote Consulting credit card info to charge off my account and they did as agreed monthly. On XXXX XXXX, I was alerted by the Credit Bureaus that Keynote Consulting had reported me as delinquent to all the Reporting agencies XXXX, XXXX, and XXXX. I contacted Keynote Consulting and spoke with XXXX XXXX the original contact. He first refused to allow me to record the conversation for my clarification purposes. I inquired as to why they would report this to the credit agencies as we had entered into the agreement to pay off the balance. I made it clear when we had discussed the bill that under no circumstance will I allow this to be reported, and I will make any arrangements Keynote Consulting allows, in order for that not to happen. XXXX XXXX, kept explaining to me that the Burden of Proof of our conversation ( which was recorded ) is on myself. He also explained what a degenerate I am for not paying a bill for XX/XX/XXXX. Finally he told me straight up that they will not rectify the damages caused by them and to take it up with the Credit reporting Agencies. These acts taken by Keynote Consulting are a violation of the ethical codes set up to Govern Collection Agencies, and has been detrimental to my entire families ' survival and livelihood. It is urgent that the Attorney General gets involved and makes sure other individuals are not taken advantage, misled, lied to, disrespected, and put into a compromising situation from harassment. I do have a record of all calls, and detail of the entire transaction history with Keynote Consulting. I have provided the information to private legal counsel as well to assist with recommended actions.
05/08/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 95355	Web
About three years ago, a collections item surfaced on my credit report from Keynote Consulting in XXXX. It was a medical bill for {$160.00} from XXXX XXXX XXXX in XXXX XXXX, IL. I did receive services from this doctor in XX/XX/XXXX, but paid all my bills in full. This was verified by XXXX in the doctor 's billing office, who confirmed I had a {$0.00} balance and all bills had been paid in full. Thus, I disputed the collections item on my credit report and asked Keynote for a validation of the debt. I never received one. Three years later, this item is still on my credit report, and has been added to my wife 's. On XX/XX/XXXX, I called the billing office of XXXX XXXX to again verify there was NO DEBT owed. I then called Keynote Consulting and spoke to XXXX XXXX. When I asked why it was on my wife 's credit report as well, she explained that they are allowed to do that via the Illinois XXXX XXXX XXXX ( which by my understanding, applies to children 's medical expenses but not spouses ). I then reiterated that there was no debt according to the original creditor, and asked for a validation of the debt. She said, " This is a valid debt. Nothing you do is going to change that. '' When I asked if they could contact the original creditor to confirm there was in fact no debt, she responded they were " too busy '' to worry about stuff like that. I again asked for validation of the debt, and she provided me with an amount and no other information. I pressed and reminded her that under law, they must provide me with a validation of the original debt. She responded, " Listen, this is a place of business. I don't have time to talk about all this with you. I pressed again, and she said, " Fine, give me your address and I'll send you a letter. '' I then asked if it that letter was going to be a generic statement or a legal validation of the debt, and she responded, " That's it. I'm done. I'm hanging up on you, '' before hanging up. This non-existent debt has plagued my credit report and now my wife 's, even now three years later as we try to secure a mortgage. I only wanted to resolve the issue and have it legally removed, but Keynote Consulting has made that all but impossible by refusing to comply with the Fair Debt Collections Act.
03/30/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	IL 60443	Web	Servicemember
Company illegally sent bogus credit card collection lawsuit to XXXX XXXX XXXX. I personally informed XXXX XXXX XXXX that I do not reside in XXXX XXXX or the State of Illinois Keynote and XXXX are pursuing a lawsuit against me in XXXX XXXX with the intent of collecting monies on a credit card that was used fraudulently throughout the US. XXXX XXXX firm has been informed that I was never served in XXXX XXXX because I do no reside or work there. I am a totally and permanently XXXX veteran and I do not work and I explained this to XXXX XXXX XXXX. They and Key note are only interested in preying on XXXX and XXXX people in XXXX XXXX. Any and all forms of income that I receive is from the VA and it is federally protected income. Benefits covered by this rule : Social Security Supplemental Security Income Veterans Federal Railroad retirement, unemployment and sickness Civil Service Retirement System Federal Employee Retirement System. XXXX XXXX XXXX XXXX has been warned in the past month by the XXXX XXXX XXXX and the Illinois Attorney General about these deceptive business practices. If you would take a look at the complaint from XXXX XX/XX/2021 you will see that XXXX and Keynote both agreed to remove the bogus item and later they intentionally reinserted the item .The FTC has a copy of the report and they have informed me to file another complaint with you and the Illinois Attorney General Please be advised of the National Credit Bureau Case Number : XXXX Federal Trade Commission investigation number : Report Number : XXXX Be advised that this case is pending federal litigation.
09/30/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85201	Web
This collection of over {$2300.00} showed up randomly on my credit in late XXXX or early XXXX. Looking into it I discovered it was for a place called XXXX XXXX XXXX for couples to travel the world. I was extremely shocked plus confused because I have never heard of it before. On top of that, I have never had my passport and have only ever traveled between XXXX and my home state of XXXX which does not have a place called XXXX XXXX XXXX. Looking into this more I found out that they had a scanned copy of a Driver 's License that was lost back in XXXX. The signature on the paper did not even match my signature. This company used a stolen Driver 's License and forged my Signature for a travel program I don't even qualify for or live nearby. I have disputed this in detail in XXXX, XXXX, XXXX, and XXXX both over the phone, by letter, and through XXXX. I have also provided them Identity Theft reference numbers regarding the stolen ID and forged signature. Yet they still will not drop this collection that is clearly fraudulent. I don't even know what type of collection this is because it isn't for healthcare, it isn't for a car or a house. Not a personal loan, it just looks like someone used my information to skip town and now I have to foot the bill for it. The whole thing is frustrating and their website even looks fraudulent. How can a company do this? And if they are a legitimate company, why are they accepting forged signatures and ID 's not even from their state? Do they even interview people to see the person who signed up is clearly not the person in the picture?
11/05/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60544	Web
I received medical service by a covered provider on XX/XX/XXXX. The provider sent my labs to an outside company by the name of XXXX XXXX XXXX. In late XXXX of XXXX, I received a collection notice for {$620.00} adjusted down to {$500.00}. The collection company is Keynote Consulting. They called me to collect on this debt before they ever mailed me anything. I told them I was not comfortable paying anything over the phone, and did not have any bills I was Aware of in collections. I never received a bill in this amount from XXXX XXXX XXXX ( XXXX ) Keynote Consulting provided me with verification of debt in the form of a bill that was dated XX/XX/XXXX, XXXX months after the date of service. The bill has a line item/note that made it seem as though maybe my insurance denied the claim in XXXX, however my insurance never received a claim from XXXX, which is now out of business ( as of XX/XX/XXXX ). I am trying to explain this to Keynote Consulting, and have attempted to reach out to XXXX via email ( only received 1 response from them, so I know they received my emails but they did not Provide me with the proof of filing to my insurance as I asked ). There is no longer a working number for XXXX, and Keynote Consulting has told me they are in contact with XXXX, but refused to help connect me to them to get this resolved. My insurance company states that if XXXX did not submit a claim, I can not be helped responsible for the bill they would have otherwise been covered. Keynote Consulting says there is nothing they can do, and will send me to collections if I do not pay.
06/17/2023	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	MN 550XX	Web
I had ( still have showing ) a delinquent credit account from XXXX XXXX XXXX XXXX out of XXXX, IL for an old credit card debt reported as {$1300.00} showing on a few credit reports, specifically experian. I tried to pay the debt to XXXX XXXX in XX/XX/2023 and they informed me they sold the debt to a collections agency, Keynote Collections. They gave me their contact info and I contacted them and paid the debt in full with the assurance that they would report the debt as paid to XXXX XXXX at the end of the month and then XXXX XXXX XXXX XXXX would update my credit report/file. In the beginning of XXXX I contacted XXXX XXXX XXXX XXXX XXXX asking for verification the debt had been paid and they said they still hadn't received payment from the collections company. I contacted XXXX Collections again to verify if they'd notified XXXX XXXX XXXX that I paid my debt to them. They informed me verification wouldn't be sent until the end of THAT month which was now XXXX, so they would be sending verification a month and a half after I had paid my debt to them. It's now XX/XX/XXXX, I opened another dispute with XXXX to dispute this item on my credit report. They closed the dispute within 1 day claiming that the account information was verified and updated. Nothing has changed. Basically they're falsely reporting a debt as " charged off '' when I've paid the debt in full. It's fraud what XXXX XXXX XXXX and Keynote Collections are doing. They're failing to report a debt that I've paid and I have documentation showing that I've paid said debt.
05/18/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	DC 20001	Web	Servicemember
Key Note intentionally transferred an identity theft credit card account to XXXX XXXX XXXX to file a lawsuit, after agreeing to remove this same items from my credit report. Both parties have a deceptive and reckless reputation in the state of Illinois and particularly in XXXX XXXX, which consist of XXXX XXXX and XXXX people that these so called professionals prey on. I would like for the Illinois Attorney General and the XXXX XXXX States Attorney to get involved in these duos because they do not take this matter serious because they think that your organization is a joke. I will also be forwarding a copy of this complaint to the XXXX XXXX XXXX Attorney. Which is XXXX. and her name is XXXX XXXX XXXX XXXX XXXX file a lawsuit in Illinois XXXX XXXX, knowing that I do not reside in Illinois or XXXX XXXX and I expressed that to both parties over 4 months ago. Both parties are running an enterprise within the state and XXXX XXXX by harassing XXXX people and filing bogus and illegal lawsuits hoping too scare XXXX XXXXXXXX people into paying credit card debt that has passed the statue of limitation and has been written off as a loss by the banks. This account that I am being accused of has reached its statues of limitation for the state in which I reside in and the lawsuit was never filed in the state in which I reside.
11/05/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 321XX	Web
Keynote Consulting is attempting to collect a debt that is not owed for XXXX XXXX, whom I am also filing a complaint against. In XX/XX/XXXX, Keynote Consulting had began to report on all 3 of my credit reports a debt owed of {$1200.00} on behalf of XXXX XXXX for a XXXX XXXX that the original contract was for {$800.00} and they illegally charged me over {$1200.00} before I had to close my bank account due to the company refusing to stop the XXXX payments on an item that was not only paid off, but also returned. Not only was the original account with XXXX XXXX closed in XX/XX/XXXX, but they continually add charges to this closed account monthly, now totaling {$2200.00} to this date and it rises continually monthly. Not only has the {$1200.00} I have paid more than cover the original contract of {$800.00}, but again, the item was returned and this company refuses to remove this false and illegal debt. I will be taking legal action against both companies due to the illegal practices taking place. Neither company will ever receive another dollar from me, and if this continues, and is not resolved once and for all, I will have no choice but to sue both companies as I have my contract and bank receipts for what was paid as well as the emails and credit report copies with false information and illegal charges.
03/25/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX XXXXX	Web
i received a call from some Keynote consulting ( XXXX ) few days. they were talking about some debt of XXXX XXXX or XXXX who seems to be in XXXX XXXX IL and i have seen this doctor in XX/XX/XXXX, what? Since XXXX XX/XX/XXXX on wards I am living in XXXX XXXX XXXX. Yes I had lived in XXXX XXXX during XX/XX/XXXX to XX/XX/XXXX in XXXX XXXXXXXX XXXX and there is a possibility of myself seeing this doctor. But i don't remember something so far back. Today they ( Keynote consulting from XXXX ) called me back once again. They are very rude people and constantly threat that they will XXXX up my credit report. They were telling me that they had sent the bill to my old address XXXX XXXX XXXX XXXX XXXX XXXX XXXX but i don't live there since XX/XX/XXXX. When i requested them to send the bill to my current address they were not ready. Later when i called back again, they gave me hard time. Later supervisor told me that she will send it to me but credit agencies will be updated also. When i asked for details - the date of service seems to be totally wrong. I had insurance at that time and i have no idea why insurance should not be covering it? Moreover if insurance is not covering something, the doctor 's office should simply tell the patient and let the patient decide what they want to do?
03/30/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	IL 60443	Web	Servicemember
This company, and XXXX XXXX XXXX XXXX agreed to remove a debt from my credit file and then turned around and sued me illegally your records will show this as they agreed on XXXX XX/XX/2021 to resolve the matter and they illegally used XXXX XXXX XXXX to file a lawsuit in the state of Illinois and XXXX XXXX. I do not live in the state in which they filed the bogus and illegal lawsuit I reside in another state and Im a registered voter of another state with a valid drivers license and home address in another state, I was not served with a lawsui in the state of Illinois because I do not reside in Illinois I have.not lived in Illinois for 6 years and I have proof that I live in another State and there is no way possible to serve any type of lawsuit on me because I do not reside in that state and never will live there. This illegal practices and lawsuit has caused an alarm at the property and they are responsible for the sheriff and a debt processor to disturb the neighborhood by looking for me and I do not live at that address the neighbors are terrified that people are showing up all through the day and night trying to serve a lawsuit on an address that I do not reside. This is calculus and ignorant at best.
09/15/2020	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	IL 60445	Web
I called Keynote Consultants who is managing a collection account of mine for XXXX XXXX at XXXX XX/XX/20 The man I spoke too identified himself as XXXX XXXX XXXX Now Mr. XXXX is listed as the company 's COO and I highly doubt that he himself would be handling collection accounts or speaking to debtors in such a derogatory manner. But that's besides the point. I was looking to see how accouny could be settled. I asked if I could offer and amount to be presented to XXXX XXXX yo clear debt and update as such on my credit. The man on the phone stated " I can settle debt, but I can't remove it from your credit, I'm not even allowed to, its against the law. '' Now am I to believe that if I settle a debt I can not receive it in writing? That if I settle a debt I can't have it updated to my credit as paid? He proposed a question, " If i close this account for {$3800.00} but don't send it in writing and don't report it as paid do you want to settle? '' I answered " not without it in writing '' His response " enjoy seeing it on your credit for 7 years and hung up '' Someone please help the way this person spoke down to me and refused to present offers to client is very wrong.
11/29/2023	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	IL 60050	Web
Keynote Consulting calls me repeatedly, multiple times a day. Im working to try to figure out my debts and challenge those I didnt have information about. Im currently unemployed with XXXX XXXX children. I agreed to a settlement and a payment plan once I knew the debt was legitimate. The agent who called demanded XXXX a month. When I said we might be able to do XXXX he got aggressive and rude and cancelled my settlement and began harassing me. I tried to ease the conversation and tried to tell him when I would be able to make a payment and for how much. He immediately lost his mind and began cursing and yelling and threatening me. Saying he was going to take further action against my family. He was horrible and derogatory. He kept threatening to make my credit worse and made me upset and scared. He screamed he was done talking to me and yelled over me and then hung up after finishing threatening me. I am also struggling with XXXX, physically and mentally. Ive been in and out of treatment for a while and can not handle this kind of treatment as it takes me back to really bad times of my life. The stress landed me in the XXXX for a XXXX XXXX.
08/21/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	IL 606XX	Web
My company ( XXXX XXXX ) was using a fire alarm monitoring service provided by a company called XXXX XXXXXXXX. I signed the service contact ( XXXX XXXX ) and it gave a personal guarantee. The contract did not how ever list or explain what would happen if the contract was canceled. And I was charged a fine of {$7200.00}. XXXX XXXX then employed a debt collection agency called Keynote Consulting to collect the debt. I then passed the dispute to my lawyers who highlighted the issue that the charge was not valid since it was no included in the signed service contract and there was no mention of a fine in the event of early termination. Keynote consulting then filed circuit court of XXXX county and the case was dismissed, but yet the charge of {$7200.00} remains on my personal credit and as the debt collector from Keynote consulting said " they will keep dinging my credit until I pay up '' As you can see from the attached contract no where does it mention a early termination fee. And as the case was dismissed in court, the charge should be removed from my credit report. Thank you for your time.
08/24/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85258	Web
In XX/XX/2020 I had a recorded XXXX interview with the XXXX and XXXX company and was interested in joining their club. The agent I was on zoom told me it will be XXXX XXXX monthly and if I can invest that a week and i agreed and with that he asked me to sign a background check document and that I didnt need to fully read this 1 document its just to make sure Im not a XXXX. I did not sign anything regarding payment and documents I received had my copied electronic signature on 4 other pages when I knowingly only signed 1 and nothing else. My signature was electronically forged on other documents. I did not agree at all to paying {$1400.00} for the year and later he asked got off XXXX recording and asked for my card information and advised initiation was {$100.00} which I agreed to pay. I never attended any event and was charged multiple times of {$100.00} I had emailed the company that I had lost my job and the services needed to stop and that was in XXXX when Covid was arising. There is multiple scam complaints on XXXX with this company.
04/07/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	IL 604XX	Web
The company Keynote Consulting INC is asking me to pay {$10000.00} for a debt that I do not owe, this debt belongs to my husband XXXX XXXX which we have been separated for XXXX XXXX years. I did not give no one permission to use my name for no purpose like co/sign. at as you examine the document take a good look at the document and you will see that my name has been forged electronically under my maiden name. I've attached my Id to show you how my name is spelled and written, I contacted consumers credit union and Keynote Consulting Inc about this matter constantly about this, but the specialist was only concerned about payment Iam a very sick woman I've been diagnose with XXXX 14 years ago and Iam fighting for my life every day ; therefore, the last thing I need is to have my identity stolen. this is not my debt and Iam not associated with this debt by no means, this debt belongs to my husband, he is responsible for this debt, please reach out to these company and have them to delete this off my Credit report. Please and thank you.
09/22/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60655	Web
I am presently going through a divorce. My soon to be ex lives in my house. I pay all ulitities, mortgage, property taxes. I reside at another residence, due to the constant XXXX. I never did a change of address, as I 'm planning on moving back into my house when we can get her out. I started to notice a month ago that I was suddenly getting non payment of bill notices. I then went to my XXXX XXXX account, and discovered my score was down XXXX points. I then called the companies, and was informed that they had sent out numerous notices. I never received any notices from any company. I then made a formal complaint with the USPS Inspector. She has been throwing out my mail since at least XXXX. I do n't know how I can be responsible for any bills I 've never received. She also, without my permission tried to change my XXXX XXXX password, without success. Is n't that sort of illegal? If it is, please explain what legal recourse I have. Please any advice you can provide me would be greatly appreciated. Thank you
05/11/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	IL 60655	Web
I have two collections on my account for the same amount from the loan originator XXXX XXXX XXXX the 1st loan was an auto balance of {$5800.00} I settled with Keynote Consulting who took over charged off loan balance for {$5000.00}. Which was paid by certified cashier check # XXXX that was paid to XXXX XXXX XXXX on XX/XX/XXXX. Now the balance sits on my credit report under XXXX for {$830.00} which was not collection agency told me that I could settle this debt for 80 % off outstanding balance. I also paid a credit card balance that was issued by XXXX XXXX XXXX that was sold to Keynote with a balance of {$430.00} which was paid in a settlement amount on XX/XX/XXXX for {$340.00} this inaccuracies is impacting my credit and has caused me not to be able to receive open lines of credits. I have submitted a notarized letter to credit agencies with copies of paid cashier checks. I need for XXXX XXXX XXXX to update balance to XXXX and Keynote consulting collection to also update balance to XXXX
09/13/2021	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	FL 344XX	Web
I sent a letter to XXXX XXXX XXXX on XX/XX/2020 letting them know I was vacating their property " XXXX XXXX '' in XXXX, Il. I told them that, per Chicago Rental Law, once they successfully attempted, and did rent the apartment to let me know the appropriate amount that was due and I would pay them. XXXX XXXX XXXX did not ever attempt to mitigate the damages and relet the apartment. I have submitted a complain on here before and which they replied by saying they did, however I have proof of their property manage " XXXX XXXX '' emailing me all the way in XX/XX/2020 saying I can not just leave the property and I need to " reread the lease. '' He, and his company, directly violated Chicago Rental Law. I then asked Mr. XXXX multiple times to have all further communication go through the mail and he continuously emailed me, harassing me over 60 days after I moved out instead of attempting to mitigate the damages.
10/02/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TX 76123	Web
I signed a contract with XXXX in XXXX 2014 and every month since then I have been paying my monthly fee on time every single month according to the contract. Despite the fact that I have been paying my monthly fee to XXXX on time every single month the company decided to turn my account and payments over to a collection agency in an attempt to collect all the money at one time. I do believe that this was in direct retaliation because I requested to back out of the contract because I was not using their service. They did not allow me to back out and then they deliberately mismanaged my account showing that payments were missed which turned out to be by their own account an error on their part. Yet despite this fact my account was turned over to a collection agency although we both have proof that my payments were all made on time.
02/23/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	IL 60443	Web	Servicemember
XXXX XXXX XXXX XXXX sold a fradulent account to keynote consultant 2 years ago. I contested the fradulent account through XXXX XXXX XXXX XXXX and keynote consultant and they both agreed to remove the fradulent account from my credit file. The collection account was removed from my account and keynote consultant retaliated against me and sold the account to a collection lawyer by the name of XXXX XXXX XXXX. I feel that these are illegal practices and they retsliateed against me because I filed a complaint about their deceptive practices. This make no sence that they would remove this fraudulent account t and then try and sue me. Your record will show that they agreed along with XXXX in XXXX to remove this fradulent account from my files then they came back illegally and sued me thats retaliation and illegal practices
10/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60618	Web
Hi. Keynote Consulting has a {$440.00} collection on my credit report, and they continue to report this a new late payment every single month. This was from a XXXX bill that I refused to pay because the XXXX charged, and collected, money from my insurance company for XXXX he had to place after he inadvertently XXXX my XXXX! Further, the original " debt '' was incurred on XX/XX/XXXX, so it should actually fall off my credit report on XX/XX/XXXX. Except, they have the original debt as being XX/XX/XXXX. I presume this is the date the collection agency purchased the debt, however it is supposed to be reported using the the date that the original debt was incurred. I contacted the company back in writing, back in XX/XX/XXXX, regarding the incorrect information and they never responded.
08/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 344XX	Web
XXXX XXXX XXXX is a leasing organization in the XXXX area who I had an apartment leased from. Per XXXX rental code they were legally obligated to attempt and release my unit at a fair market value when I left the premises, I was to pay the rent until they did that. The company never made any attempt at mitigation, and spent months arguing with me instead of trying to release it, even after I asked for communication to stop ; which in the city of XXXX eliminates their ability to collect debt. The organization was sent a cease and desist letter from a lawyer outlining they were not able to collect this date. They immediately after sold the debt to Keynote Consulting. This is an illegal debt, and XXXX investigation did not eliminate the debt.
07/16/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	KY 41071	Web
In XX/XX/2013 I heard an advertisement on the radio about a Social group called XXXX XXXX XXXX to meet new people in a city you are new to, in order to connect with locals. I didn't know anyone in Texas and I thought it would be a great way to make friends. In the ad they said they you can cancel at anytime. I did not realize that it was an installment plan that I would have to pay whether I used their services or not. I never attended any of their events because I realized it wasn't for me and I had already canceled before they could even take out the 1st payment. Now my credit report has a collection from Keynote Consulting Inc with no contact information. I dispute this wrongful attempt to damage my credit.
11/11/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	WI 531XX	Web
This debt belongs to XXXX. We were separated for 2 years and in divorce preceedings prior to her getting medical services for her XXXX with another man which was deemed to be her and the fathers debt by the court. The court ordered that all debt from this XXXX be paid by XXXX. The court order preceeded the debt collection. Some how the debt collection agency is allowed to put a collection debt on my credit report. After speaking with the collection agency, they are unwilling to remove this debt from my credit reports even though mine and XXXX divorce is final and I 've received notice that the funds in our divorce trust will be released which includes the {$300.00} for XXXX medical debt.
11/14/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	IL 60631	Web
Rep did not verify my information or give disclosures. Rep insisted a letter was mailed to me and I did not get it. I attempted to put the balance on a payment plan however rep was taking my full credit card info along with the security code on a recorded line. When I advised her she can not ask for my info on a recorded line, rep became unprofessional and said to do whatever I wanted to and hung up on me. I have tried several times to get the dentist office to take the funds from my account and they have not taken it, now my account is in collections and on my credit.
02/05/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 754XX	Web	Servicemember
On the year XX/XX/2014 I proceeded to contract a company 's services named XXXX XXXX XXXX as a activities organizers for adults at XXXX Texas for a total of {$1.00} and paid to begin around {$400.00} but now they are collection the rest of the money. They sold a credible idea but this just did not work for my expectancies and I decided not to go along with them and cancel the subscription in the right time as they demanded but a few months later I see it as a collection account. Is now under Keynote Consulting I.
04/20/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 32904	Web
Keynote collections is trying to collect a fake bill which dated 3 years ago ( Keynote file number is XXXX ). The fake bill comes from XXXX XXXX XXXX. I explained this issue to Keynote collections and provided them with original paperwork. I sent two emails to Keynote Collections but never received any reply. Keynote Collections failed to show any validation of the debt and said there was only verbal conformation but not any paperwork. I attached my email to Keynote Collections as an FYI.
02/14/2020	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	IL 60647	Web
I have requested this collection company to validate this debt they were unable to provide adequate validation. This is not a valid debt. I do not owe that company that money and I have also filed a dispute with the credit bureaus at the same time that I was requesting debt validation and they responded to the credit bureaus which is also a violation. I would like to have this account removed from my credit reports because it is not a valid account and I do not owe this money.
10/20/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	SC 29036	Web
On XX/XX/2020, I sent a letter out certified mail to keynote consulting asking for method of verification letter and I have never received anything with the proper documentation about this account. They keep saying they investigated the account but never send the documentation I ask for in the letters stating. The debt they are asking for is XXXX but I would like to see original contract with my signature on it I have sent 3 letters out and have not received anything yet.
12/26/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 336XX	Web	Servicemember
Debt collection company mailed me an attempt to collect debt, I mailed back a letter requesting validation of debt and specific items within the law I would need to validate debt, company mailed partial information along with a persons drivers license that had black sharpie over parts and I could still read all of the drivers license. I mailed back a second attempt to validate debt and have not received anything for over 30+ days..
06/25/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	IL 60077	Web
The debt was satisfied but, the collector has failed to update in XXXX report and further failed to provide his name. When contacted about this issue on XXXX/XXXX/2015 at XXXX, the collector failed to acknowledge it and stated " its not his job to update it ''. Further, I stated that I will get in contact with " CFPB '' about this issue and he said do whatever you need to do.
11/18/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 34744	Web
Good Afternoon, On XX/XX/2020 I reached out about KeyNote Consulting Inc and how they provided NO proof that I owe them anything. They have been reporting negatively on my credit report for years and I have attempted to work things out with them and this is my second attempt requesting assistance with CFPB. Any guidance would be greatly appreciated. Thank you.
01/04/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 336XX	Web	Servicemember
Company has yet to send me the correct information so I can validate the debt. The information they mailed to me was someone else drivers license and information. They will not respond to me via mail or complaints, and now have tried to hit my credit for a debt I can not even validate.
01/07/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60148	Web
DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A ALLEGED DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE CONNECTING ME TO THE DEBT.
06/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 38016	Web
I had a notification via XXXX XXXX that I had 2 collections accounts. Company is Key Note Consultants in the amount of {$7000.00} and {$1400.00}. These are NOT my accounts or debts. Please assist with removing them
08/14/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60659	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX assigned a Medical/Healthcare account to KEYNOTE CONSULTING INC in the amount of {$1100.00} on or around XX/XX/2023. This is not my account, and I'm the victim of Identity Theft.
06/30/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38016	Web
Company name is Keynote Consulting this company is reporting inaccurate information on my credit report. Acct XXXX Here are both amounts and acct number for both charges are XXXX. {$1400.00} {$7000.00}
01/15/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 605XX	Web
On XXXX XXXX, 2017, I sent a letter to Keynote Consulting INC. Asking them to validate and verify the debt that they say i owe. I have not recieved anything back from them and it 's been over 30 days.
11/13/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	IL 60640	Web
they sent me collection paper work with my social security number on it .it did come in the US mail ( regular mail ) and I am concerned about this getting in the hands of the wrong people
02/01/2023	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 Investigation took more than 30 days	IL XXXXX	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
11/19/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60087	Web
XX/XX/2018 keynote consulting claims I owe {$1500.00}, I never heard of company or did any business with them, no contract or signed documents from company
01/02/2019	Yes	Debt collection Credit card debt	Communication tactics Called before 8am or after 9pm	CA 95129	Web
Collection agency called my home at XXXX XXXX They can't call before XXXX XXXX california law.
01/27/2024	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60457	Web

12/27/2023	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	TX 75206	Web

08/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94523	Web

07/27/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78130	Web

04/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	VA 23464	Web

11/20/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77346	Web

09/11/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60047	Web

08/05/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60047	Web

12/22/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60443	Web	Servicemember

12/20/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60525	Web	Older American

11/12/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60046	Web

10/10/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 78729	Web

09/01/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60649	Postal mail

08/31/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60649	Postal mail

08/17/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IL 60649	Postal mail

08/17/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60649	Postal mail

05/04/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IL 60053	Phone	Older American

04/07/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34145	Web

09/19/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 34744	Web

08/10/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount		Phone

06/05/2020	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 Their investigation did not fix an error on your report	IL 60068	Web

05/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60641	Web

03/23/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60193	Web	Older American

03/07/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60637	Web

01/04/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60637	Web

12/27/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	IL 60453	Web

08/24/2019	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 91617	Web

08/21/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 55403	Web

04/09/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60514	Web

03/19/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60411	Web

03/06/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60478	Web

02/13/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60062	Web

12/06/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours		Phone

12/06/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours		Phone

11/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60402	Postal mail

05/15/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	IL 60053	Web

12/27/2017	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	IL 60661	Web

12/12/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60025	Web

03/22/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MI 49201	Web

01/14/2017	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	IL 60653	Web

11/11/2016	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	IL 60653	Web

11/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	NY 10166	Fax

07/24/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	IL 60089	Web

07/14/2016	Yes	Debt collection Medical	False statements or representation Impersonated an attorney or official	IL 60462	Web

06/15/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	AZ 85246	Web

06/14/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	IL 60640	Fax

01/24/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	WI 53168	Web

09/01/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 60647	Web

08/21/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 90606	Phone

06/05/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	VA 23325	Web

01/27/2015	Yes	Debt collection Medical	Improper contact or sharing of info Contacted employer after asked not to	IL 60647	Web

08/30/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	IL 60016	Web

02/25/2014	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	TX 75206	Web

10/17/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	IL 60617	Web