Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KLS Financial Services, Inc
State: GA

Complaint narrative:
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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation