Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kansas Counselors, Inc. (MO)

Kansas Counselors Inc has illegally purchased and used my HIPAA information via third party. In an attempt to collect a debt that has already been paid. According to Consumer law15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of theconsumergiven directly to thedebtcollector or the express permission of a court of competent jurisdiction, adebtcollector may not communicate with aconsumerin connection with the collection of anydebt ( XXXX ) at any unusual time or place or a time or place known or which should be known to be inconvenient to theconsumer. In the absence of knowledge of circumstances to the contrary, adebtcollector shall assume that the convenient time for communicating with aconsumeris after XXXX XXXX XXXX  and before XXXX XXXX XXXX, local time at theconsumers location ; ( XXXX ) if thedebtcollector knows theconsumeris represented by an attorney with respect to suchdebtand has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to acommunicationfrom thedebtcollector or unless the attorney consents to directcommunicationwith theconsumer; or ( XXXX ) at theconsumers place of employment if thedebtcollector knows or has reason to know that theconsumers employer prohibits theconsumerfrom receiving suchcommunication. 
( b ) Communication with third parties Except as provided insection 1692b of this title, without the prior consent of theconsumergiven directly to thedebtcollector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, adebtcollector may not communicate, in connection with the collection of anydebt, with any person other than theconsumer, his attorney, aconsumerreporting agency if otherwise permitted by law, thecreditor, the attorney of thecreditor, or the attorney of thedebtcollector. 
( c ) Ceasing communication If aconsumernotifies adebtcollector in writing that theconsumerrefuses to pay adebtor that theconsumerwishes thedebtcollector to cease furthercommunicationwith theconsumer, thedebtcollector shall not communicate further with theconsumerwith respect to suchdebt, except ( XXXX ) to advise theconsumerthat thedebtcollectors further efforts are being terminated ; ( XXXX ) to notify theconsumerthat thedebtcollector orcreditormay invoke specified remedies which are ordinarily invoked by suchdebtcollector orcreditor ; or Except as provided insection 1692b of this title, without the prior consent of theconsumergiven directly to thedebtcollector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, adebtcollector may not communicate, in connection with the collection of anydebt, with any person other than theconsumer, his attorney, aconsumerreporting agency if otherwise permitted by law, thecreditor, the attorney of thecreditor, or the attorney of thedebtcollector. 
( c ) Ceasing communication If aconsumernotifies adebtcollector in writing that theconsumerrefuses to pay adebtor that theconsumerwishes thedebtcollector to cease furthercommunicationwith theconsumer, thedebtcollector shall not communicate further with theconsumerwith respect to suchdebt, except ( XXXX ) to advise theconsumerthat thedebtcollectors further efforts are being terminated ; ( XXXX ) to notify theconsumerthat thedebtcollector orcreditormay invoke specified remedies which are ordinarily invoked by suchdebtcollector orcreditor ; or In a previous complaint Kansas Counselors Inc alleged they did not receive a letter requesting validation in which I have now attached reciept with tracking number confirming did in fact receive the letter attached, along with a cease and desist to stop all communication moving forward. 

Company has gone on to state that after receiving request to cease all commuinication they will mail out a letter of validation that includes HIPAA information I did not authorize or consent to be released to a third party as well as sign a contract with KANSAS COUNSELORS INC which is a violation of multiple laws.

If this account is not deleted from my report and my personal and HIPAA information in their system I will be moving forward with an arbitration Lawsuit According to USPS this company received letter XX/XX/2024 and responded to previous complaint XXXX falsely stating they did not. 

I am not liable for the debt of {$7900.00} with KANSAS COUNSELORS INC, LLC XXXX XXXXXXXX XXXX. I do not have a contract with KANSAS COUNSELORS INC, LLC. And the company has failed to provide me with a contract with my signature to their company KANSAS COUNSELORS IC LLC and ID verification as requested. Neither did I release my personal or HIPAA information to this company. The company has now been notified as of XX/XX/2024 XXXX to cease all communication moving forward, and still decided to respond to previous complaint XX/XX/2024 after receiving complaint stating they will send information after receiving written notice to cease all communication moving forward. This is a final notice and complaint to cease all communication and debt collection activity or I will have my attorneys reach out with arbitration lawsuit.