KLS Financial Services, Inc CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
02/28/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	SC 29501	Web
I am an International XXXX who arrived with a couple of XXXX XXXX last XX/XX/XXXX. On XX/XX/XXXX, a couple of new XXXX were directed to XXXX XXXX in XXXX North Carolina to scout for cars that we can loan even if we are still new in the United States. We were told that since we are new it would be hard for us to buy cars and that they are doing us a favor by allowing us to get a car from them even if we have XXXX credit history. Knowing that car is a necessity for us, I jumped into the offer and got myself a XXXX XXXX XXXX model and paid around XXXX USD for downpayment and around XXXX USD for the insurance. In all honesty, everything was new to me at that time, I just looked at the cars in the center, did not know that cars in the US had XXXX history so that we can take a look at it. When we scouted for cars, all we can see on the windowshield of the car where the price and monthly amortization on that car. When we signed on the documents, it was not explained to me, I was just told that I have to signed this and that. It was just our 3rd day in the United States and everything was so new to us and I trusted their words that they are actually doing us a favor by helping us out settle in the United States. After a week, the car was delivered to us in South Carolina. But then by the end of XX/XX/XXXX, we started seeing a check engine display on our car. I contacted the dealership about it and just told us that it could just be a loose gas cap. XXXX XXXX of XXXX XXXX told us to take the vehicle to advanced auto parts or oriley in our area so that they will scan the code and know the diagnosis unfortunately when we are about to go there, the check engine sign was gone and the autoparts told us that they can not scan it if the display is gone. I continued communicating with XXXX XXXX about the car but he offered no possible solution to the problem until on the XXXX of XX/XX/XXXX, the car displayed engine malfunction. We went again to advance autoparts and this time they told us that there are two parts of the car that needs to be replaced and told us that we need to return the car to the dealership because they do not have the parts with them. After a few days, we started noticing that the oil is leaking and we contacted again XXXX XXXX and this time just told us to bring the car to a repair center. It was checked there and according to the repair center there is nothing wrong except for the fan. But we were still hesitant because we can literally see the oil leaking when we checked it in the morning so this time we called XXXX XXXX and told him about the problem and told my husband to just bring the car to XXXX and told him that if there is nothing wrong with the car we will be the one to pay for everything. And after all the struggles XXXX dealership told us that there is really something wrong with the car and there are parts that needs to be replaced. I asked the dealership who will be paying for all the cost since there was a problem with the car before the end of the one month warranty. They just told us that we need to pay first and will just get a refund after. After a hard decision with my husband, we just informed the dealership that we will just return the car because getting assistance from them is so hard and I was even telling them that I am after the safety of my children since they are always with us. I called them and told them that we are just going to return the car and told me that we can send them an email to formally notify them of us returning the car and we did. They accepted the email and replied that they received the notice. And I thought that was it not knowing how the system works here in the US. But on XX/XX/XXXX we received a letter from KSL Services demanding us to pay for the remaining balance of the car. I contacted the dealership and asked them why they are asking us to pay for the balance since there was a problem with the car and just told us to contact the KSL services. I even told them that how come that they are asking for me to pay for the loan but a friend of mine who also returned the car that year was not asked to pay for the car. They did not replied to my email. I just feel that we are exploited. That was exactly the reason also that there were a few of us last year that returned the car to their dealership because we were paying so much for everything and we thought it was ok knowing that we are new to the system. I just hope that the next batch of XXXX who will be arriving next school year will not be having the same problem as ours. I literally was shocked when my credit score went down because it says there that I had a derogatory account. I even called KSL services about it but they just told us to contact the dealership. I could have just dealt with the issue right away but given that I am also new to the XXXX position here makes me think less of the problem as I got so busy with XXXX and the XXXX. They said that we get what we paid for. But on our case, it was less of that. If the dealership could have been more helpful in resolving the issue right away, in assisting us in the most efficient way we could have retained the car but at the back of our mind, if we persists with the car and another problem will appear again and they will handle it the same way that they handled the first problem then that would jeopardize our safety because literally that car is our only mode of transportation.
05/03/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC XXXXX	Web
In XX/XX/XXXX, I signed a lease with XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX.XXXX.XXXX ) with XXXX XXXX. We signed a lease that ended the following XX/XX/XXXX for a monthly rent of {$1300.00}. Toward the end of our lease, XXXX XXXX sent us a letter telling us that we were going to be month to month after our lease ran out, however, if we wanted to renew, they would be charging us a discounted rate of {$1200.00}. At the time we had considered resigning a new lease and requested a renewal. I, however, ended buying a house in the process and informed XXXX XXXX that our request for renewal would no longer be necessary. This is when they informed us that, in this request for renewal that we submitted, they supposedly included an addendum that extended our present lease for another twelve months, even though we had not signed a new twelve month lease. Later on they sent both me and XXXX XXXX and electronic copy of a new twelve month lease for us to sign through XXXX XXXX XXXX by XX/XX/XXXX. XXXX XXXX signed this lease. I did not. Without both of these signatures the lease is invalid. However, XXXX XXXX stated that since that renewal request had that addendum the electronic lease agreement didnt matter, that we were still legally liable for the twelve months. They provided us lease break options for a lease that wasnt fully signed and I told them we would not be paying for twelve months. That, for all intents and purposes, without a twelve month lease, we were still month to month. We stayed through the month of XXXX and XXXX and provided a 30 day notice to vacate, which was outline in the request for renewal form. I told them I would get a lawyer involved and they said, point blank, that a lawyer would cost more and that, if we didnt pay them, they would send me to collections for the amount and that I wouldnt find a place to live while it was on my credit report. Shortly after we moved out, KLS Financial Services, hired by XXXX XXXX XXXX XXXX, reached out to me everyday, harassing me with phone calls trying to get me to pay this debt. Mind you, at the time, I thought it for twelve month charges of a lease I didnt sign. KLS didnt provide me a notice or details of the charges, just that I owed the amount. I told them that I disagreed with this claim and I would never pay for this debt. I have since lost my house due to financial struggle and have been unable to find a place to live since this has been on my credit report. So, in an attempt to regain my independence, despite my pride, I called KLS trying to settle the account to get it off my credit. I could not, and still can not, afford the full amount. I offered to pay half of the amount. The representative said they would get in touch with their consumer relations department and get back to me. Later that day, XXXX XXXX of KLS contacted me. She then proceeded to use a series of scare tactics to try and get me to pay the full amount. She said that my credit was the only one effected because I was listed as the primary applicant and threatened to move the collections to XXXX XXXX credit instead. She also said that settling an account doesnt remove a collections from your credit report and creditors still wont rent to me with a settlement on my credit report. I know this to be false because I have settled collections before and they have fallen off just fine and my score has increased since. When I mentioned that I disagreed with the collections because I didnt sign the lease, she said she had a copy of two leases with my identical signatures. I asked for a copy of those documents and she insisted that these documents had been sent to me already. They had not. I emailed her requesting these documents and this is how our email communication began. Throughout the email thread it became evident that KLS and Ms. XXXX did not have enough evidence to support the claim that I owed anything to XXXX XXXX. Even when they brought in evidence from their client, it was the documents that were false from two years. They made the claim that I owe them for XXXX and XX/XX/XXXX rent but that I also signed a twelve month lease through an addendum but that there also isnt an existence of a second lease and were also month to month. When I asked for detailed documents of the damages made to the apartment and the invoices of the contractors who completed the work, the only thing they supplied was the walk through paperwork. They refused to do a walk through with us and that could easily be falsified without the tenants present. Things are not adding up and XXXX XXXX XXXX XXXX and KLS Financial Services have been spouting falsehoods and can not seem to provide accurate evidentiary support to make the claim that I owe them this money and their behavior has been despicable.
01/20/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA XXXXX	Web
The account was opened on XX/XX/XXXX in the amount of {$430.00} allegedly without my knowledge. KLS Financial Services is using my nonpublic personal information to include my social security account number. I am reporting Identity theft. I even disputed this alleged debt as Identity theft to the three credit bureaus to notify them. I am building a case on this unknown company. According to " THE PRIVACY OF CONSUMER FINANCIAL INFORMATION RULE OF THE GRAMM-LEACH-BLILEY ACT '' my private information, including my social security account number is being shared by third parties. Every financial institutions as well as creditors must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. That never happened. My private information, including my social security account number is out there for anyone to take advantage of. Anyone could have my private information, sharing with who knows who. Its very dangerous, because my private home address is out there and anyone could pop up at any given moment. Its very frightening to know that. I am a victim of identity theft and all three bureaus are informed. My credit report is " red flagged '' because of my previous reports of being victimized. Pursuant to 16 CFR 681.1 ( 9 ) Red Flag means a pattern, practice, or specific activity that indicates the possible existence of identity theft. The Federal Trade Commission and the CFPB warns consumers about being a target towards identity theft as well as taking actions to solving these kind of issues. I have no idea who this company is and why they keep reporting on my credit report. Pursuant to Title 15 U.S.C. 1681s ( a ) ( 1 ) this alleged creditor is subject to all administrative enforcement of the FCRA by the Federal Trade Commission. 16 CFR 681.1 ( 1 ) Account states a continuing relationship established by a person with a financial institution or creditor to obtain a product or service for personal, family, household or business purposes. There is no continuing relationship with this unknown allegedly creditor, no services was rendered, its all identity theft. Pursuant to 18 U.S. Code 1028A Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. KLS Financial Services, knowingly using my private information without lawful authority. Pursuant to 18 U.S. Code 1028 they ( 1 ) knowingly and without lawful authority produces an identification document, authentication feature, or a false identification document ; ( 2 ) knowingly transfers an identification document, authentication feature, or a false identification document knowing that such document or feature was stolen or produced without lawful authority ; & ( 7 ) knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, or in connection with, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law. They are very much well aware of what they're doing. I do have an identity theft report from the Federal Trade Commission and i also notified the Internal Revenue Service on a form 14039. This is the action that was taken by me, the consumer. As a consumer, I do have rights and protections to protect me from anyone who is using my information to open new accounts or make purchases. FTC says to report it and get help. This will stop creditors and debt collectors from reporting fraudulent accounts. Consumer Protection Laws : Many state and federal consumer protection statutes include provisions that assist identity theft victims, particularly those who find that someone has taken out one or more debts in his or her name. The Fair Debt Collection Practices Act, for example, allows consumers to challenge the validity of a debt if they are contacted by a debt collector. The Fair Credit Reporting Act, as amended by the Fair and Accurate Credit Transactions Act of 2003, gives consumers access to their credit reports and allows them to object to inaccurate information.
05/18/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85142	Web
I am a victim of identity theft. The tradeline, which appears on my credit report from KLS FINANCIAL SERVICES last reported XX/XX/XXXX in the amount of {$140.00} does not relate to any transaction ( s ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted both KLS FINANCIAL SERVICES individually and have not received any reply back In addition, the HIPAA and Arizonas Medical Privacy Statutes and the penalty provisions of the ARRA section D, privacy provisions, the penalty rules of the HITECH Act as issued XX/XX/XXXX and the Omnibus Final Rule effective XX/XX/XXXX and the FACT Act final rules effective XX/XX/XXXX, XXXX.are in effect in this situation. The Privacy Rules prohibits a covered entity from using or disclosing an individual 's protected health information ( " PHI '' ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules. PHI encompasses substantially all " individually identifiable health information '' that is transmitted or maintained in any medium. " Individually identifiable health information '' includes health information that is created or received by a health care provider, health plan, employer, or health care clearinghouse, and that relates to an individual 's physical or mental health or condition, including information related to an individual 's care or the PAYMENT for such care. KLS FINANCIAL SERVICES, is not in compliance with HIPAA, or Arizonas Privacy Act, and any subsequent reporting of this account on my credit reports to XXXX, XXXX and XXXX is a clear violation of Public Law 104-191 ( " HIPAA '' ) since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due.In addition the new Omnibus Final Rule states : when patients pay out of pocket in full, they can instruct their provider to refrain from sharing information.This letter serves as that instruction You are required under the FCRA and FACTA to accurately report the status of any account to the credit bureaus, and you are prohibited under the HIPAA and State privacy regulations from doing so on a PAID account, as there is no longer any permitted business purpose. You are also advised that you may be in violation of the Notice of Proposed Procedures for Charitable Hospitals to Correct and Disclose Failures to Meet Section 501 ( r ) of the Affordable Care Act. Please respond, in writing within 10 days that you are processing this request. I am reserving the right, to take appropriate legal and civil action including reporting to any applicable regulatory authorities any lack of cooperation or compliance with this request.
01/21/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 116XX	Web
XX/XX/XXXX Complaint Request Re : KLS Account Number XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX Consumer Financial Protection Bureau please investigate XXXX. XXXX XXXX XXXX, IA XXXX-XXXX Complaint : Not my account nor purchase. There are thousands of XXXX XXXX cause that is all KLS produced. My name. Who is the company : KLS : I do not know what type of company this is What is my issue : This Company has put a medical bill well it says medical in my credit report that should not be there. No name these people are not putting direct names I have not heard anything This company does not 100 % have the right to put this in my report {$120.00} They said this account was open in XX/XX/XXXX I was not in NC from which the address of this creditor came from I was in NY. Produce to me a medical record from such date you can not because there is none. Company Complaint : KLS Action : Remove from credit report. It is a very small but I do not want it in my report and they need to validate this with documents according to FCRA section 609 and 611 with credit bureaus I have asked that this company to remove this account from my credit report several times. I have asked who the original Creditor is I have no answer no response KLS have not sent me any invoice nor where this account was received and why. A type summary is not acceptable. KLS have not sent me any signed receipt or verification with this account. Or even what it is. I ask them to provide me a true statement from the original creditor they have not. Federal Trade Commissions this has been going on for some time KLS continue to violate my rights according to section 611, 604 and 609. The credit bureaus and KLS should be fined {$1000.00} for not removing this account this ongoing with them. FAIR CREDIT REPORTING ACT SECTION 609 This is a consumer disclosure section 609 which is to provide for the protection of consumers against false an erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and the creditors to provide the credit bureau a true copy of the original signed creditors documentation FCRA section 611 : Investigation results. Please forward to me whom you spoke to, the number you called, the title of the person you spoke to also the address and any providing documentation. KLS which of whom is reporting in my credit report has not provided a validation to the credit bureaus. This company does not have any documents with any of my information listed or what dates if it is medical was I supposedly in the hospital what is it. Please remove from my report. I dont have an issue with paying a small balance of XXXX, although why this is in my report this is not 100 percent accurate remove from my report, I will request that you be fined {$1000.00} for all the unverified accounts you continue to leave in my record. You do not have the information or documents. These errors have not been verified remove your account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
05/20/2019	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27518	Web
I worked for XXXX University from XX/XX/XXXX - XX/XX/XXXX. I was a salaried part-time employee. If you look at the documents, you will see my end date as XXXX in one place, and in another it is XXXX. XXXX paid me my salary. You can see the attached statement of earnings dated XXXX - XXXX. I was paid monthly. Also, on this same page, you can see where someone has altered a date with a pen. They changed it to read XXXX XXXX is saying I did not work in XXXX and should not have gotten paid. The dates on the earnings adjustment do not match. Also, on the overpayment calculation page, they have I was over paid on XXXX. I did not work at XXXX on XXXX. Look at request for termination page XXXX entered. They wrote they should have entered three but the system would not let them. I did not receive an overpayment from XXXX. If you look at the numbers and dates, they are incorrect. Also, I had to quit due to illness. I went on XXXX. XXXX reported the entire amount as my salary to the IRS - {$5000.00}. If I did not earn this why was it reported to the IRS? This amount was too high, and XXXX canceled my check stating I had made to much money. When I asked XXXX to provide XXXX with my beginning and ending date of employment and total earnings, they reported this full amount. They did not say I had an overpayment, or my earnings were less, and I needed to pay them money back. Due to this, my XXXX check was stopped in XXXX when my income was reported. I paid taxes on the money. XXXX is now telling me I owe them back XXXX. In addition, it is on all my credit reports. No one at XXXX would explain it to me. No one will remove it. On the one hand, they are telling the IRS and XXXX they paid me the full amount, and on the other hand, they are saying they overpaid me and want their money back. They did not overpay me. They have made mistakes with dates and entered numbers where they should not have. I disputed it an I received a letter from KLS Financial Services telling me under 15 U S C 1692g there is no basis in law for me to have any information about the debt and the Federal Trade Commission has stated they do not have to comply with such request. It is on my credit reports. I am receiving phone calls and letters for something I do not owe. If I did owe it, why not subtract it from the IRS wages? Why report it to XXXX? You can not tell some people I did not earn it and others I did. This has disrupted my life. I earned the money and paid taxes on it. XXXX found out I worked and earned the money and they stopped my check after verifying it with XXXX. I need it removed from all credit reporting agencies. XXXX did not overpay me. They can not file with the IRS and XXXX telling them I earned the money and then turn it over to collections stating I did not earn the money and they want it back. This is fraud.
07/10/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	AZ XXXXX	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
01/25/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	NC 27518	Web
I work part time as a contract employee at XXXXXXXX XXXX XXXXXXXX in NC. The company had an invoice that had been sent over to collections to KLS Financial late XXXX. The original company had given the collection company our office contact info and must have given them my personal number as well. I contacted both the company and collection company on a regular basis to let them know how the company was paying the invoice, as we had updates. XXXX XXXX started contacting me in XX/XX/XXXX. I have repeatedly responded to her incessant calls, I originally called her back on XX/XX/XXXX, received her vm and left her a detailed message. I have repeatedly asked her to email me, reply to my emails and confirm receipt of emails. She never does this, in particular, when I have emailed her and let her know not to call myself or family/friends to try and get a hold of me. I have put it in writing to her twice and have yet to receive a reply. She has called my husband, and called 2-3 other people I know that have informed me they have received a vm from her. This invoice/bill is to the company that I work for, I do not own the company and have told her I am only an employee. I am absolutely furious that she continues to harras me on a personal level when this is not even a bill of mine. I am an office worker that just does admin duties there. What gives this company the right to harras an person that works for a company when the bill/invoice is not in my name nor affiliated to me any any way. I have forwarded another email to her today XXXX sent at XXXX, in this email which was sent from my work email, I included the people that work for the company that XXXX XXXX works at as well so that they can see the correspondence. The forwarded email was my original email sent on XX/XX/XXXX letting her know I left her a detailed VM and again was requesting she only call me at the office number which i gave her or my email and to stop contacting anyone else. I also let her know I was only an office worker and this was not my personal debt.
05/02/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	DC 20017	Web
The debt in question is from my employment with XXXX University XXXX in XXXX. After my resignation six months later I received a call from KLS Financial Services stated I owed a debt to which I replied I was not aware of any debt and refused to continue conversation. Over the next 16 months I found that the amount had been added to my credit file for {$5700.00} for an overpayment in wages. Upon learning this I contacted KLS and XXXX to have the matter removed citing 15 U.S.C. 1692 of the Fair Debt Collection Practices Act. I received notification of the disputed item debt from XXXX dated XXXX XXXX, XXXX which was nothing more than a Summary of Earnings Adjustment whereby payroll shows an overpayment for {$3200.00} which XXXX University claims was for 12 days paid to me after I resigned. I spoke to Ms. XXXX and demanded that they remove this as per law any employer based issue over wages first needed to be placed for judgement and as there was not a judgement issued against me the employer had no recourse to pursue me for collection and illegally place into my credit file. On XX/XX/XXXX I received a letter from XXXX stating they had removed the debt from my collection file. It was at this point I felt the matter had been resolved and that I could move forward with repairing the damage done. I now see that the debt is still found as a collection on all three of my credit files. At this point I refuse to reach out to XXXX because I am told each instance can reset the debt and keep it on my credit. My larger concern is how the credit bureaus did not follow protocols to ask if there was a sufficient judgments in the matter. This would end the pursuit and validate my concerns that it is a bullying attempt by XXXX university to circumnavigate the FCRA rules. Please aid me with removing this from my file as I feel the only recourse i may have to take is to sue all parties including the credit bureaus for their lack of responsibility to enforce and maintain laws aimed to protect the consumer.
04/27/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 27103	Web
The credit bureaus XXXX, XXXX XXXX and XXXX are receiving correspondence for the below actions from KLS Financial Services to reported on my credit file illegally and in violation of Section 809 ( b ) FDCPA and section 609 FCRA. The below collection agency has failed to provide a copy of any alleged contract or other instrument bearing my signature after being requested to validate. They have an incorrect address and also have fell to comply by sending such document to prove validation then KLS Financial Services continued collection activities on my accounts in violation of section 809 ( b ) FDCPA. Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT obtains verification of the debt and mails it to the consumer. Debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to consumers and the debt collectors then continued collection activities on accounts in violation of section 809 ( b ) of the FDCPA. KLS FINANCIAL SERVICES, Last reported XXXX XXXX, XXXX {$480.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual KLS Financial Services has put a Medical Collection on my credit report which is also A HIPA violation. I have never signed a release for this creditor ( KLS Financial Services ) or any creditor. Therefore, this is an inaccurate HIPA violation and I want these removed immediately. HIPA laws protect my personal information without my consent and KLS Financial Services have been aware of these HIPA violations and has been asked to delete immediately. They are many XXXX violations of up to XXXX per violation and I will pursue recovery if these violations if these collections are not met with a satisfactory resolution. Delete Immediately
10/22/2022	No	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	KS 666XX	Web
A representative with KLS Financial Services Inc called my sister and gave her personal information regarding the debt collection efforts and asked to leave a message with her regarding a debt collection and a return number. My sister declined to take a message. KLS Financial Services blatantly violated my rights under FDCPA by talking to my sister about my debt and attempting to leave a message with her. I submitted a complaint in writing demanding that KLS Financial Services Inc provide me with proof of their debt and legal ability to claim/collect this debt and proof as to why they violated FDCPA by not providing me with initial notice of this debt. I did not ever give KLS Financial Services Inc permission to talk to anyone about this alleged debt. 805. Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I demand that KLS Financial Services Inc be barred from any and all debt collections and alleged claims to debts. I demand that KLS Financial Services cease and desist all collection efforts and communications, including reporting this debt to any third-parties again. I request that CFPB and FTC investigate KLS Financial Services for violations of FDCPA against me and all collection efforts with other clients, including the review of phone call recordings.
08/13/2019	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 Was not notified of investigation status or results	NC 275XX	Web
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/XXXX RE : To Whom It May Concern : I have recently been informed that you are still allowing derogatory information to be reported by KLS FINANCIAL SERVICES, XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I saw an entry listing that I owe {$36.00} in XX/XX/XXXX. I challenge the accuracy, compliance and reporting of this listing. The account you are reporting is not mine. Please validate this information with KLS FINANCIAL SERVICES and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I am formally requesting that this information be immediately deleted from the credit file bearing my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office
07/10/2020	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85282	Web
After I got in a car accident, I went to XXXX to check if I had XXXX my XXXX. The doctor there was unable to determine if I had XXXX my XXXX, so I ended up having to go to a different doctor who was actually knowledgeable and competent. In addition to the doctor being incompetent, the front desk receptionist did not process my health insurance ( even though I double checked to make sure she did make a copy of my insurance cards, she ended up not processing it since XXXX is a terrible company with incompetent staff ). Therefore XXXX processed me like I was uninsured and instead of listening when I called their customer service, they sent the debt collection company, KLS FINANCIAL SERVICES, after me. I worked with my insurance company and XXXX and paid the debt. KLS FINANCIAL SERVICES stopped sending me letters once I paid my debt. However, recently in the past two months, KLS FINANCIAL SERVICES has started calling and texting me. The company refuses to give me any paperwork, yet still calls me. I paid my debt, the debt collection should be marked as closed, and the debt collection company is not sending me any paperwork YET they are still harassing me via phone calls! I filed a dispute with XXXX, hoping that KLS FINANCIAL SERVICES would realize their error yet they are still calling me and refusing to provide any paperwork. In summary, the debt has been paid, KLS FINANCIAL SERVICES has not sent me any paperwork since I paid the debt, but still calls and harasses me. It is disgusting that a mistake by a receptionist a year ago is still causing problems for me today, KLS FINANCIAL SERVICES needs to stop contacting me and mark the collection as closed as the debt has been paid.
12/31/2019	No	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	TN 37379	Web
I received a call on XX/XX/2019 the recorded message asked if I was XXXX XXXX press one I pressed 1 and reached a rep who answered the call " my name is _____ '' I advised i received a phone call and the rep asked my name I first asked to person that called me to identify them self to which they replied with the name again i had to request what company they were calling from they refused to advise me the name of the company until i identified myself, which i know is not correct practice since I work for a medical debt early out collection as well, That rep hung up on me. I called back received another rep who stated there name to which i was refused identification of who called me and was advised i was harassing and hung up on when asked if this company is a collection company, I called back to and spoke to sup XXXX due to be rudely spoken to and hung up to which she stated with out identifying myself she would report me for harassing them and hung up, I called and spoke to another rep who was very rude talked over me and would not listen even after identifying myself and advised he didn't have to listen to me, He then provided the date of service, patients name and client whom they were collecting for with verifying my demographic info as specified by HIPPA law, I then requested to speak to the supervisor again to make the payment, I was advised there was on supervisor and I had already spoken to her, I again asked to speak to the supervisor to who was still extremely rude and talked over me and had a very rude aggressive tone as i was trying to make my payment. KLS Financial is not being compliant with the HIPPA
03/06/2020	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	TX 775XX	Web
Recently I was shocked to see this account reporting on my credit by KLS Financial Services. I disputed with XXXX, XXXX and XXXX in which they verified the account as accurate. I requested verification from KLS Financial and what they sent me was unverifiable : My original contract EXPIRED by 29 months My signature and date are on the agreement along with the terms of 12 months, dated XX/XX/XXXX A handwritten billing statement dated XX/XX/XXXX in the upper right corner of the original, expired contract. Expired as of XX/XX/XXXX The calculations of the billing statement do not calculate to the difference of the expired date to the date XX/XX/XXXX being reported in the billing statement Unaware of who wrote the updated billing statement No Last Date of Payment to determine calculations Date of Original Delinquency is reported as the EXACT date I signed the contract and began services, XX/XX/XXXX. I provided the proof to XXXX, XXXX and XXXX and again, they verified the account as accurate and have continued to report this account showing the Date of Last Activity as of : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Making this account appear newer by 3 and 4 years while there is no Date of Last Payment reported anywhere. My understanding is the information the bureaus and debtors are allowed to report is required to be 100 % accurate, complete and verifiable ; which this is not. And the most frustrating part of this is I completed my obligation to the agreement and beyond.
06/04/2020	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 28025	Web
In late XXXX, I was contacted by KLS Financial claiming I owe them {$660.00}. At first, I thought it was a scam and hung up the phone. After thinking and looking up the company on XXXX I saw they were a real company so I called back. They informed me they were trying to collect a debt. The address they gave me was not my address. I told them to send me validation of the debt to my address not just verification of my mailing address. On XX/XX/2020 after seeing they put the account on my credit reports and them verifying my disputes with the credit bureaus as valid, I sent them the attached debt validation letter asking for a contract with my signature and proof from the original creditor they are allowed to collect on the said debt. They sent me a contract with a signature that is not mine. On XX/XX/2020 I sent them a notarized letter with my signature. I signed the letter in front of the notary public as legal proof that is my signature. They reply was they are not signature people. Then, they tried to tell me the signatures look the same. On XX/XX/2020 I once again asked them for the contract with my signature and the name of the person who at XXXX XXXX who verified that I owed the debt because I have not been able to get anyone at Howren music. Kls Financial has yet to send me a valid contract with my signature agreeing to this said debt. KLS Financial hasnt sent me any paperwork from the original creditor which says they can collect on this said debt.
01/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 389XX	Web
I am writing to inform you that KLS Financial Services has refused to respond to my requests for documentation and information regarding a debt they claim I owe. They have also stated that they are not licensed to collect debt in the state of Mississippi, yet the only states that do not require a license for debt collection are Georgia, Kansas, Kentucky, Michigan, Missouri, Montana, New Hampshire, New York, Ohio, Oklahoma, Pennsylvania, South Dakota, Vermont, and Virginia. I am concerned that KLS Financial Services may be operating outside of the law and taking advantage of consumers. I am also alleging that a person or company, without my authorization, used my personal identifying information to apply for goods, services, or money and was successful in creating accounts. This is currently being investigated by the FTC. Under the laws of the United States, I swear that the information I have provided in this letter is true and correct to the best of my knowledge. I am permitted by federal and state law to file this dispute, and any misstatements in this letter are punishable as perjury under 18 U.S.C 1001 and 18 U.S.C 1621. I request that the CFBP take action to investigate KLS Financial Services and their practices, as well as assist me in obtaining the necessary documentation and information from them.
01/02/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 378XX	Web
I was charged a missed visit fee from XXXX XXXX but a provider never contacted me for my XXXX appointment. I have submitted my phone records to XXXX XXXX proving that I was never contacted by corporate to file my insurance ( which generally happens 30 minutes to XXXX hour prior to a XXXX visit, and then a text link for the provider is sent to me ). I never received a call from a provider at any time on the missed visit date, as evidenced by my phone records. I left multiple voicemails, spoke with multiple supervisors, and sent multiple emails to XXXX XXXX, but no solution or return contact was ever received. I kept being told the charge was " in review ''. Then, I received a collections notice. I have tried to file a dispute with KLS Financial Services four separate times now ( three times via phone and once via klspay.com per their statement ), and I keep being told that I " can not file a dispute '' and " should just pay the amount ''. My credit rating is excellent, and I've never had a collections company contact me in nearly 40 years. Obviously, there is something wrong, or I wouldn't be fighting two separate companies over a menial {$40.00}. But it's my {$40.00}, and I don't owe the charge. XXXX XXXX should be paying me for the missed visit, since their provider did not show for my appointment.
08/22/2019	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AZ 85339	Web
This company KLS FINANCIAL SERVICES which i have NO CONTRACT with is Reporting on my credit reports fraudulently. * Were you named on the original contract with the original creditor? * If not, do you have a contract between your company and me, signed by both parties? * If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving my information to a 3rd party without my knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition? * Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me? Verification is a sworn testimony so you should also be responding in that format. Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.
10/22/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27527	Web
Upon receiving the very first mailed invoice from KLS Financial Services, I requested verification of debt validity, as is my right under the FCRA. This information was provided by KLS Financial Services in a letter dated XX/XX/XXXX ( well beyond the 5 days allowed for response under FCRA ). Once the response had been received, the account was paid in full within 30 days of its issuance. Before waiting thirty days from their letter, KLS had already reported the debt as a collections account to two credit reporting agencies by XX/XX/XXXX ( 15 days after providing verification ). I have already worked to dispute and remove the accounts from these agencies. When reviewing the accounts for dispute, there was a comment added by KLS stating : " Completed investigation of FCRA dispute- consumer disagrees ''. The only response I provided them to their debt validation letter was a check in the full amount. Not only did they not wait the proper amount of time to find out if " consumer disagrees '', they felt comfortable falsifying that claim within the comments of their premature reporting.
09/04/2020	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 10950	Web
Today, XX/XX/2020, I received a credit alert from XXXX regarding KLS Financial XXXX XXXX XXXX XXXX, NC XXXX, placed an account in collections as derogatory. I DO NOT have an account with these people and never have, I havent been to North Carolina in 25 years. They falsely claimed a debt belongs to me and am insisting that I pay it or else. I did NOT give this company my social security number. I did NOT sign anything. They found it from someplace and am using unfair and fraudulent practice to collect on this debt. I spoke to Mrs XXXX and XXXX XXXX who are insistent on reporting this debt as mines unless I pay. They are messing around with my credit and social security as well. According to XXXX today XX/XX/2020, Someone called to dispute my charge yesterday on XX/XX/2020, however, I didnt find out until this morning, leaving me to believe they are playing around with my social security number that I did not give them. They must have looked it up. They should not be allowed to place an account in collections if they can not prove the account belongs to that person.
03/03/2023	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 27502	Web	Older American
I contacted my Health Insurance Policy Customer Service Department at my PRIMARY Policy MEDICARE Part A & B. And, also my SECONDARY Medicare Secondary Policy Customer Service Department XXXX XXXX XXXX XXXX XXXX ( XXXX ) for Information about Claim to pay {$320.00} for XXXX Test done on XX/XX/XXXX at XXXX NC in XXXX, NC. Their following statements follow for ( 1 ) Medicare Part A & B and ( 2 ) XXXX ( 1 ) MEDICARE Part A & B - No Claims were filed by XXXX NC between XX/XX/XXXX thru XX/XX/XXXX for {$320.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) - submitted a Claim on XX/XX/XXXX for XXXX Test performed on XX/XX/XXXX for {$320.00}. - The Claim was DENIED on XX/XX/XXXX due to not being filed by " Primary Policy - MEDICARE Part A & B ( Primary Policy ) before being sent by XXXX as the Secondary Supplemental Policy for claim. Their Instructions were to have XXXX re-submit the Claim for {$320.00} properly to MEDICARE PART A & B to pay the {$320.00} to correct the mistake made by them by incorrectly submitting the Claim to XXXX instead of MEDICARE Part A & B.
01/10/2023	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TN 383XX	Web
I went to XXXX XXXX on XX/XX/XXXX. XX/XX/XXXX was the first due date for my medical bill, but it seemed like XXXX XXXX in XXXX XXXX was charging way too much, so I called them to ask for an itemized bill. I had to call them multiple times to try to get an itemized bill with billing codes. During this time, they told me to disregard any due dates until they resolved the matter. I received a bill with billing codes, and they were charging me for an extended visit of XXXX hours when I was only able to see the nurse and doctor for less than 10 minutes before they told me that I would need to go to the ER. On XX/XX/XXXX, I received a collection notice from KLS Financial Services , Inc. for the bill that I was disputing. On the same day, I called XXXX XXXX about the collection letter and they said that they would send the matter to management to try to get a resolution. On XX/XX/XXXX, I called XXXX XXXX again to see if they had resolved the matter, which they had not, so they said they would send it back up to management with a note that I had called again.
02/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 35802	Web
Between XXXX XXXX of 2020, I started achargebackagainst a website for a scam that one of their users made. After I started thechargebackwith my bank, I received an email from XXXX that they published my identity with a driver 's license, home address, and telephone number online for starting thechargeback. After that, they refused to pay back my money and my bank closed thechargeback. They werent even charged for the amount of {$410.00}, that was the charge I was disputing. In retaliation what they did was send this past due charge toKLSFINANCIAL SERVICES without validating the information and without legal proper documentation. KLSwithout verification they started calling me and sending me letters collecting {$580.00} from this website XXXX.XXXX, even when thechargebackwas closed, andthey didnt pay for it. I called this company explaining what happened, and they did nothing toconfirmand stop the debt collection. They are threatening to send this illegal and fake debt to my credit report if I refuse to pay.
09/13/2020	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27705	Web
Due to the pandemic that has taken place, I have closely been monitoring my credit reports. My credit reports have a debt amount of {$130.00} from KLS Financial Services whom they have stated I owe KLS Financial Services. After speaking with a representative from KLS Financial Services asking repeatedly to send me documentation of this account, services date, signed and verifiable signature of a contract with KLS Financial Services, absolutely nothing has been sent to me. I have repeatedly sent letters to the KLS Financial Services asking them to remove inaccurate accounts that they are reporting on my credit reports, up to last month XX/XX/2020. I am aware the FCRA promotes accuracy and fairness in the files of consumer reporting. I have no affiliation with KLS Financial Services and neither have I used their services for them to say that I owe them money. I have no file, no account with a verifiable contract with a legal signature, nor are there any documents this company-KLS Financial Services can furnish to me.
02/08/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 34983	Web
In XX/XX/XXXX, I received a collection letter from KLS Financial Services , Inc. regarding and alleged debt of {$300.00} to XXXX XXXX XXXX XXXX XXXX XXXX. I immediately disputed the debt in writing, because I have not had a relationship with XXXX XXXX XXXX since XX/XX/XXXX, over 10 years ago. KLS responded that they were not obligated to provide any information regarding the debt, only the original creditor and the amount. This is in total violation of the Fair Debt Collection Practices Act. In addition, KLS has been informed that I filed for Chapter XXXX bankruptcy in XX/XX/XXXX, a year after my relationship with XXXXXXXX XXXX XXXX had ended. KLS not only refused to provide proper verification of the debt, but they are reporting to the credit bureaus as a new debt incurred in XX/XX/XXXX. Even if the debt was valid, it's over 10 years old and uncollectible under the statute of limitations of any state. KLS is using illegal collection tactics to scam people into paying old debts.
02/19/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 27360	Web	Servicemember
Following my workers comp XXXX on XX/XX/15 I began receiving an invoice for a XXXX to XXXX the XXXX on my XXXX XXXX. I called XXXX and explained the charges are to be submitted to the Dept Of Labor. The company later sold the invoice to a collection company, XXXX XXXX XXXX XXXX for collection. This company was also notified of the case number for workers comp and they returned the debt to XXXX. The debt was again sold, this time to KLS Financial Svcs, who have harassed me relentlessly for an inflated collection amount that I am not responsible for. XXXX XXXX XXXX XXXX has allowed KLS to place a smear on my credit file and has not assisted me in removing this inaccurate information. Following the credit dispute process both XXXX and XXXX cleared my file, but XXXX is expecting me to work it out on my own. I have complete documentation of my workers comp case file and request my credit file be cleared of this slanderous accusation about me.
08/16/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 302XX	Web
KLS financial has a {$640.00} negative charge reporting on my credit report for XXXX XXXX. XXXX XXXX filed for bankruptcy and went out of business in 2017. XXXX XXXX no longer exist. The name XXXX was purchased by XXXX XXXX. I called the corporate office and I was told that I debits were settled in the bankruptcy and KLS Financial has no legal grounds for that company anymore because they no longer exist. XXXX XXXX sent me an email stating that I would receive a refund back for the order that I returned. I received the wrong items and returned them. XXXX also gave me a gift card because they made a mistake. I filed a dispute with Visa and won. KLS is holding me responsible for a charge back that I won with Visa. This is a breach of contract. Customer have the right to dispute charges and cant be recharged by a company after winning a dispute. This is illegal to recharge me for something that I didnt Authorize.
04/24/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MS 39180	Web
XXXX XXXX and KLS Financial Services has fell to communicate with myself of a debt that is not owed by me. I have not given XXXX XXXX authorization to release my medical information to anyone. XXXX XXXX and KLS Financial Services has violated my XXXX rights! 15 U.S. CODE SS 1681a ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.
07/17/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30067	Web	Servicemember
There are 2 medical collections from XXXX that are not mine nor are in my name or as the financial responsible party. The accts are listed as individual accounts, every time I dispute them they will appear again, I have asked for the original wet signature of the doctors application showing I am the holder and responsible party for these accounts, I have yet to receive them. Why? because they don't belong to me.I have advise the collector of this fraudulent violation. I am not responsible for these collections and I will not be held accountable for them! I have consulted with my attorney. This is a hinderance against and my character. At this point I am prepared to sue for court cost, legal fees and time if these are not removed and deleted forever. I am sick in tired of this company reporting fraudulent claims. I only need to find a few people in my position to cause a class action suit.
02/20/2023	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75043	Web
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
12/10/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 75043	Web
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
06/21/2021	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	NC 28205	Web
3 DEMAND LETTERS WERE SENT CERTIFIED TO THIS COMPANY WHEN THEY LISTED THAT THE ACCOUNT WAS FROM ONE COMPANY 3 DEMAND LETTERS WERE SENT CERTIFIED TO PROVIDE A DOCUMENTED INVESTIGATION THAT THIS ACCOUNT WAS LEGITIMATE 3 DEMAND LETTERS WERE SENT CERTIFIED MAIL THAT I NEVER RECEIVED MAIL OF AUTHORIZATION BY MYSELF THAT THEY HAD THE WRITTEN RIGHT BY MYSLF TO PROVIDE INFORMATION ABOUT ME ON MY BEHALF OR ON THE BEHALF OF ANOTHER COMPANY DELETE AND REMOVE ALL COMMENTS THAT WERE SUBMITTED CONTINOUSLY BY THIS COMPANY SAME AMOUNT SUBMITTED BY AN ADDITIONAL COMPANY WITH NO PROOF OR DOCUMENTATION OR PROOF OR AUTHORIZATION BY MYSELF AND NO WRITTEN AUTHORIZATION BY MYSELF THAT MY FEDERAL RIGHTS WERE BEING VIOLATED AND THAT I WOULD DBE FORCED TO EXERCISE MY RIGHTS UNDER FEDERAL LAW AND I WOULD BE FORCED TO REPORT THEM TO THE CFPB AND ANY OTHER FEDERAL LAW AGENCY ON MY BEHALF
02/03/2023	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 27526	Web	Servicemember
KLS Financial Services is reporting medical debt to all three credit bureaus in the amount of {$290.00}. According to XXXX - Consumer Protection for Medical Debt Collections Act This bill restricts the inclusion of medical debt on a consumer credit report less then {$500.00}. I sent XXXX a Validation letter on XX/XX/2022 asking them to validate the debt. They sent me back my original bill and what XXXX XXXX I received. This is also a HIPPA violation because I didn't sign a medical release of my information to be shared with a third party. Furthermore, they were asked to provide their license information showing that they were authorized to collect a debt in the state of XXXX XXXX They did not provide that information. I went on https : XXXX to verify if they were authorized to collect the debt in XXXX XXXX and it showed that they are not licensed to do so.
12/02/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NC 274XX	Web
Kls Financial Services {$1800.00} XX/XX/2019. Before noticing this credit report I had been communicating with my XXXX. The person in charge of billing was XXXX who no longer works here. I was communicating with XXXX about my injury and what prevented me from paying as she stated they would work with me. XXXX who in charge also verified he saw the emails. I spoke with a XXXX from XXXX XXXX XXXX and he informed me that the letters that was sent to me was returned because they was unaware of the conversations. This amount should not be on my report because I was unaware of it going on my report. I never refused to pay and was told the office would work with me as they have before. Im asking for this to be removed. A balance is placed on credit reports when failed to pay or no communication but i communicated and was told that the office would work with me
11/28/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 30909	Web
KLS FINANCIAL SERVICES INC violated the FDCPA Collection Practice by placing a collection on my credit report without sending a letter to me. KLS FINANCIAL SERVICES INC added a collection to my credit reports without my knowledge. I have never received any written correspondence from this company at all. KLS FINANCIAL SERVICES INC reported this collection to XXXX, XXXX, and XXXX. For the amount of {$170.00} and {$400.00} Opened on XX/XX/2014. This is invalid, I have no knowledge of where this comes from. I have not received any written correspondence from the original creditor or this company. KLS FINANCIAL SERVICES INC put a collection on my credit reports without my knowledge and in doing so, violated the FDCPA Collection Practice by placing a collection on my credit report without sending a letter to me. I HAVE NO CONTRACT WITH KLS FINANCIAL SERVICES.
04/03/2022	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC XXXXX	Web	Servicemember
KLS debt collection agency has attempted several times to collect a {$180.00} debt from me that does not belong to me. I have called them to let them know that this debt is not mine. The guy tried to bully me and then threaten me with a damaged credit report. I proceeded to tell him that they have the wrong person that this debt does not belong to me but he persisted. Not only did he try to get me to pay it even after i informed him that it does not belong to me, they are reporting it on my credit report twice! I also noticed that they changed the dates and re-aged the account. They have violated my rights! I called the credit bureaus and they did not remove it from my report. Please help me in getting this removed. They are bulling people out of money with illegal practices and thinking they can get away with it.
01/21/2023	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	UT 84123	Web
I worked for XXXX XXXX XXXX in XXXX over XXXX years ago. I left the company around XXXX of XXXX. Since then I have not heard anything from the company until XX/XX/XXXX, over 7 years since I last worked there. They claim that I owe them half of a sign on bonus and it has affected my credit significantly. Under the statute of limitations in the state of XXXX, this debt which I do not owe because I worked for them and never used any of their services, it is illegal to try and collect a debt once it has passed XXXX years. I have tried to contact the company multiple times and have been in disputes with the collection agencies because this is a wrongful debt and illegal. I have also hired an attorney to assist, but they have not been able to get anywhere because neither the collections agency nor XXXX will respond.
04/12/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NC 27520	Web
On XX/XX/21 I received a phone call from someone at KLS Financial Services ( XXXX XXXX XXXX # XXXX, XXXX, NC, XXXX ) the voice mail said it was an urgent matter and that I needed to call them back. There was no mention of them being a debt collection service, I had to learn this by looking up the name online. I ignored this phone call because it was predatory and I knew they would need to send me a written notice of the debt and my right to dispute it. On XX/XX/21 I began getting credit notifications that there had been a change to my report, when I looked up the changed I noticed KLS had added a negative remark to credit account. I have received no written noticed from KLS and have only received the XXXX phone call on XX/XX/21. I do not even know what this debt is regards to and the amount.
01/02/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77084	Web
KLS FINANCIAL SERVICES was advised to investigate a few things that I believe are inaccurate and their response came back as " verified ''. All they sent was portions of what I requested. I asked for a a copy of the contract that I signed ( which is my right to do so ), a full account history of this debt, every payment that was made and all interest that was applied. Those were MY specific request. It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. I have been requesting, since since XX/XX/2021, verification of this alleged debt that they claim I owe to this company company and which they are reporting on my credit files. However, this company has failed to obtain and send me legal verification as mandated by the law.
09/21/2022	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NC XXXXX	Web
KLS FINANCIAL SERVICES ( Original Creditor : XXXX XXXX ) is reporting on my personal credit file with ( XXXX XXXX credit reporting agency. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. KLS FINANCIAL SERVICES ( Original Creditor : XXXX XXXX ) XXXX Balance : {$340.00}
12/30/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 389XX	Web
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to the file this dispute. I also constitutes a FEDERAL CRIMINAL VIOLATION punishable as perjury under 18 U.S.C 1001. Additionally, these misstatement are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC
12/14/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28277	Web
I received a copy of my credit report and I found all of these fraudulent accounts and hard inquires that were fraudulent as well XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX KLS FINANCIAL open on XX/XX/XXXX in the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
05/30/2022	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	NC 27519	Web
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. "
01/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AL 36832	Web
I paid an outstanding debt XXXX XXXX, XXXX. After several disputes XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX the collection agency KLS refuses to remove the collection. The original debtor even reached out to them on XX/XX/XXXX to inform them that the debt was in fact paid in full. However, instead of this agency deleting the item they instead send me a letter dated XX/XX/XXXX with an invoice from XXXX NOT the receipt of payment that I and the original owner of the debt sent over to them! This unlawful attempt to collect a debt that has been paid is absurd! Even after talking to the staff they have been rude, abrasive, and inaccurate. I want to take legal action against their unethical practices and reporting of inaccurate data.
09/27/2020	No	Debt collection Medical debt	Communication tactics Frequent or repeated calls	AZ 85138	Web
This company contacted me on or about Wednesday XX/XX/2020. A friend answered my phone and an XXXX XXXX who represents KLS Financial Services started discuss the debt owed without identifying who they were speaking with. The representative disclosed the amount owed and where the services took place that resulted in the debt prior to confirming if the person on the line was in fact the debtor or a 3rd party. This representative told my friend first of all about me owing money and second about me going to XXXX for medical services. This is a violation of the FDCPA and privacy laws. In addition there should be no bill owed as this should have been covered by my insurance.
12/06/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC XXXXX	Web
On XX/XX/2019 KLS Financial Services , Inc. ( XXXX XXXX XXXX XXXX, NC XXXX ) contacted me regarding a debt that was owed in the amount {$140.00}. The agent explained to me that if the debt was paid on XX/XX/2019 they would not report the debt to the credit agencies. With that being the case I settled and paid the debt for {$110.00} which excluded the late fees and penalties. On XX/XX/2019 I got an alert on my credit report that a debt in the amount of {$140.00} was reported. I contacted KLS immediately upon receiving the alert and the the answer I got was that the report had already been sent on XX/XX/2019 and no one had saw this.
05/03/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NC XXXXX	Web
Last year XXXX 2020. I began receiving notifications from the credit bureaus about a new account that appeared on my credit file. I contacted the credit bureaus and they told me that KLS Financial Services was reporting a medical debt to them. They instructed me to file a identity theft report with the Federal Trade Commission. I done that and sent a copy to KLS financial Services. But did not receive any response. I recently filed another and attached it to this complaint for your records as well as my own records of this situation. I never had any debt with this company. Can you please assist me with this matter Thank you
09/15/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 282XX	Web
On XX/XX/2016 KLS Financial Services add a derogatory mark on my credit report per XXXX XXXX and XXXX report. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signate does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, KLS Financial Services has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
04/20/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 28806	Web
Dispute Alleged medical debt with KLS financial prior. They sent me a fast med form which break my hippa rights. I had insurance so they should have been covered anyway. This alleged debt was from XXXX. They had a collection on my XXXX since XX/XX/XXXX. They update it every mth as unpaid but it was an old collection and it states disputed. Since it was and old collection I left it however as of XX/XX/XXXX KLS have re aged the collection to say the date assigned was XX/XX/XXXX. This makes it appear as new collection thus hurting my credit and unfair. I have disputed it with XXXX but KLS are using unfair practices.
06/08/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28078	Web	Servicemember
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
10/12/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	KS 666XX	Web
I received a statement from KLS Financial Services claiming they had sent me notification of a debt.I had never received any notification from them at any time. I sent a letter requesting verification of the debt and they refused to respond to the request. KLS Financial Services sent me another statement demanding payment in full and threatening legal action. I sent another letter certified mail demanding verification of the debt and if they are not able to verify/validate the debt to cease and desist all communications. I have never heard of this company and have no contract with them.
09/21/2022	No	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60616	Web
I received a call from a company claiming to be a debt collector. I was told they have been trying to contact me for six years. I had never received any communication from the company up to that point which the representative admitted to. I was then, what I perceived to be, threatened that the debt would be reported to the credit bureaus. A few short weeks later the debt was reported to the credit bureaus. I have submitted disputes as I still have not received any proof or validation of what the debt is or how it is this debt collector determined I owe them.
02/28/2023	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS 39046	Web
I called KLS Financial approximately two weeks ago. I ask them to verify the debt and why I didn't receive anything in the mail? The lady couldn't answer the questions. I got off the phone and call back thinking that I would talk to another agent, but the same lady kept answering the phone. I was told that I had to pay they will decide if they will take it off of my report. I refuse to pay for something that will not be verified, the lady being rude. It is showing twice on the reports and two different amounts.
10/21/2019	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NC 28027	Web
Company has re-aged a debt. Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.
05/06/2021	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 Investigation took more than 30 days	NC 27104	Web
I have received a copy of my credit report and it shows company KLSFINANCIAL ( Original Creditor : XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$150.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
10/06/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78244	Web
I asked for debt validation in the company via certified mail, they received it on XXXX XXXX2021. They responded a letter print out " validating the debt '' Its clearly something that can be printed or typed in the computer. That is not a proper documents to validate the debt {$150.00}. It is damaging my credit file. I then again follow up few more letter every 30 days, but they never gave me what I am asking for and they continue to report it to the credit bureaus. This is a violation by FDCPA.
05/24/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NC 27703	Web
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.
09/08/2020	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NC 275XX	Web
The charges are from my daughters primary care. I paid invoice in full and still collection agency droped 2 collections one of reach daughter. My daughters were shown in XX/XX/2020 at XXXX XXXX XXXX NC location. I paid full balance when i received the first bill notice from XXXX XXXX and i informed same to collection agency 'KLS FINANCIAL SERVICES '' that i paid balance in full. But still they dropped the collection charges on my account.
03/21/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NC 274XX	Web
I have tried on numerous occasions to have this collection removed from XXXX and it has been removed from all the other 2 bureaus ( XXXX and XXXX ) months ago. The Collection is from KLS Financial- Fastpace Tennessee for {$130.00}. I have come to discover that this debt is also Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit report. It is a HIPPA Violation and I NEED THIS TO BE REMOVED ASAP!
11/16/2018	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	NC XXXXX	Web
XXXX has been non-compliant with removing the unverified account KLS FINANCIAL SERVICES XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that KLS FINANCIAL SERVICES as not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
03/07/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75216	Web
KLS Financial Services / XXXX XXXX XXXX XXXX failed to verify /provide proof of debt under 15 USC 1692 ( e ) and 15 USC 1692 ( f ). This item is currently reporting to XXXX, XXXX and XXXX. Also, this debt was remove from all 3 credit agencies and reinsert by KLS Financial Services / XXXX XXXX XXXX XXXX XXXX XXXX without providing written notification according to 15 U.S Code 1681i - FCRA 611 ( a ) ( 5 ) ( B ) ( ii )
06/27/2019	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NC 27604	Web
KLS has reported a medical bill on my report for {$75.00}. According to the Fair Debt Collection Practices Act, I am supposed to receive a notice of my right to dispute, prior to this collection agency reporting this bill on my report. I never had a chance to protest the validity of this debt ( which I would have ), prior to its appearance and damage done to my credit profile. This is illegal.
02/24/2023	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MS 389XX	Web
This company refused to provide me with any documentation where i XXXX XXXX gave KLS FInancial Services permission to create an account using my personal information. I asked several times, & i was ignored each time. This company is truly becoming a problem. They are hindering me from being able to provide for my family and its really taking a huge effection on my health.
08/02/2021	No	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 32259	Web
kLS financial never sent me written notification that a fraudulent charge ( reported to XXXX by me fall XXXX ) was going into collections. Spoke with KLS XX/XX/XXXX explaining charge was fraudulent and wellsfargo disputed it and account was closed. KLS did notify in writing that the charge for XXXX $ was going into collections XXXX XXXX.
01/21/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS 396XX	Web
KLS FINANCIAL SERVICE XXXX XXXX {$110.00} Ive tried several Times to dispute this information to have it removed from the credit bureau because its damaging my credit and the creditor refuses to do so, and now its been passed all medical debt under {$500.00} is supposed to be removed and they still will not
03/23/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MS 386XX	Web
Debt appeared on my credit report on XXXX for {$470.00}. I do not know this debt and was not notified before going on my credit report. This is a violation of the law, and I am demanding that I be paid {$1000.00} per occurrence and removed from all three of my credit reports.
12/04/2018	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NC 28376	Web
KLS released information via email about a debt I owe to my boyfriend. They emailed him the collection notice and a copy of the bill which included my address, phone number, insurance information and policy number.
01/31/2020	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NC 275XX	Web
I contact KLS Financial Services Inc. and informed them I do not owe this debt and it was added to my credit report with out notice. They added 4 account to my XXXX report. this needs to be removed immediately.
05/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 79701	Web
The balance that was sent to kls should have been paid for by my Heath Insurance. And no claim has ever been sent nor has anyone sent anything to my home or contact me about this balance.
07/07/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77041	Web
Account Name : KLSFINANCIAL Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$170.00} Reason : Identity theft Please remove it from my Credit Report.
03/10/2021	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 Investigation took more than 30 days	VA 23601	Web
i 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 investigations results
10/18/2021	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 27587	Web
Received an alert from my credit monitoring services that I had a new account in collections. No information provided about the account.
11/09/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AZ 85353	Web
This collection account is showing on my credit report. opened last XX/XX/2017 with a balance of {$47.00}. This is an identity theft.
05/21/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AZ 85251	Web
Paid in full please stop taking advantage of me and marking my credit
10/22/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30024	Web	Servicemember
Payment has been made to KLsfinancial
05/20/2023	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	MS 39503	Web	Servicemember

05/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 38637	Web

05/16/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 11572	Web

05/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28215	Web

05/04/2023	No	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30461	Web

04/17/2023	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28704	Phone

04/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27565	Web

03/26/2023	No	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NC 27612	Web

03/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27106	Web

03/09/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29601	Web

01/24/2023	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	TN 38019	Web

01/17/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27614	Web

01/03/2023	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28216	Web

12/23/2022	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76707	Web

12/21/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28144	Web

11/25/2022	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75214	Web

10/25/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NC 27526	Web

09/08/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28213	Web

08/05/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 27804	Web

07/28/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NC 27530	Web

07/11/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 31419	Web

07/10/2022	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MS 39759	Web

06/30/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27105	Web

05/28/2022	No	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	AZ 85008	Web

05/16/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27544	Web

04/20/2022	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	MS 38930	Web

03/19/2022	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	TX 77062	Web

03/17/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 27523	Web

03/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 35811	Web

02/28/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CO 80038	Web

02/01/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 28206	Web

02/01/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS 39046	Web

01/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32713	Web

01/24/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 20136	Web

01/17/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38237	Web

01/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28305	Web

12/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 27609	Web

11/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08109	Web

10/12/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 38663	Web

09/27/2021	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	AZ 85296	Web

08/24/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30349	Web

08/14/2021	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 Their investigation did not fix an error on your report	MS 39465	Web

08/11/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AZ 85295	Phone

07/26/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NC 27523	Web

07/15/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28213	Web

07/08/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 28314	Web

06/19/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MS 39759	Web

06/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27614	Web

05/25/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NC 27520	Web

05/05/2021	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 Investigation took more than 30 days	NV 89074	Web

04/27/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 27401	Web

04/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30122	Web

04/07/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 27614	Web

03/30/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	VA 23464	Web

03/20/2021	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 Was not notified of investigation status or results	NC 27523	Web

03/12/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 43110	Web

02/20/2021	No	Debt collection Other debt	Communication tactics Frequent or repeated calls	NC 27560	Web

02/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27616	Web

02/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27713	Web

02/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27616	Web

01/19/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30127	Web

12/16/2020	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 10950	Phone	Older American

12/02/2020	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 Investigation took more than 30 days	GA 30296	Web

11/16/2020	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29036	Web

10/28/2020	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	NC 27410	Web

10/02/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30349	Web

10/02/2020	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28216	Web

09/04/2020	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged		Phone	Servicemember

08/14/2020	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 Investigation took more than 30 days	NC 27801	Web

06/25/2020	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours		Phone	Servicemember

06/06/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30096	Web

05/27/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt		Phone

05/05/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 44067	Postal mail

05/03/2020	No	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	SC 29732	Web

02/13/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AZ 85226	Web

11/01/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 27534	Web	Servicemember

07/09/2019	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NC 27529	Web

06/26/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 28269	Fax

06/06/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85257	Phone

05/29/2019	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	NC 28213	Web	Servicemember

05/02/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 28501	Web

04/23/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32246	Web

04/12/2019	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	NC 28314	Web

04/05/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NC 27405	Web

04/03/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MO 63368	Web

04/02/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77089	Web

03/11/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 90505	Web

02/17/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NC 28120	Web	Servicemember

12/12/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 27601	Web