Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kansas Counselors, Inc.
State: MO

Complaint narrative:
Kansas Counselors Inc has been sent multiple letters requesting the validation of the accounts they are reporting on my credit report falsely claiming that I owe them. I am not familiar with the company KANSAS COUNSELORS INC. I have never done business with the company KANSAS COUNSELORS INC. Which inclines me to believe they are a scam or committing Identity fraud on my behalf. I have requested that this company validate the accounts by providing me with proof via a contract that includes MY WET SIGNATURE between Themselves ( KANSAS COUNSELORS INC ) and myself XXXX XXXX. They have in return -- in an attempt to 'validate " their companies illegal purchase and acquisition of my HIPAA and personal information that I myself did not authorize or have any knowledge of, via an itemized bill from a third party company, which is not the information that was requested or adequate enough to legally validate the debt they claim I owe to them. I am now requesting for the umpteenth time that Kansas Counselors Inc VALIDATE this debt in compliance with Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested with a contract that contains my wet signature between myself XXXX XXXX and their company KANSAS COUNSELORS INC. NOT AN ITEMIZED BILL FROM A THIRD PARTY COMPANY! As well as the additional information listed below in compliance with the law and Fair Debt Collection Practices Act. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : ( XXXX ). Full accounting for this account : ( XXXX ). Copy of the assignment of purchase from the creditor ( XXXX ). Every charge and what was purchased, fee, payment, credit, and interest ( XXXX ). How you calculated what you claim I owe ( XXXX ). ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ). Full chain of assignments from charge off to present ( XXXX ). Proof that you own the debt with full clear title ( XXXX ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX XXXXXXXX ) & ( XXXX XXXX XXXX XXXXXXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation