Consumer complaint received 2019-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KLS Financial Services, Inc
State: NY

Complaint narrative:
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

Company response to consumer: Closed with explanation