Consumer complaint received 2023-12-24
Company: CCS Financial Services, Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received a letter from Credit Collection Services stating that it has been authorized to collect a debt from me. Unfortunately, this company did not extend the proper disclosure notices to give the consumer a chance to opt-out of such information being reported. 

According to 15 use 6802- Obligations with respect to disclosures of personal information, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. A financial institution must clearly and conspicuously disclose to the consumer, in writing or in electric form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

The consumer never received any of the above discloses so this company do NOT have any authorization, written or oral, to report any nonpublic information on my consumer report. 

There has also been a violation of 15 use 1681c Requirements relating to information contained in consumer reports. " ( a ) Information excluded from consumer reports.

" Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. '' The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

The definition of Antedate is " precede in time ; come before ( something ) in date. '' This means that any collection account that is NOT seven years old at least, is excluded from a consumer report.

Since my rights were violated, and proper opt-out notices were not given before this information was reported, I demand that and collection accounts being reported by Credit Collection Services on my consumer report be removed immediately. 

Sincerely, XXXX XXXX

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