Consumer complaint received 2023-03-23
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Case Facts : XXXX XXXX XXXX XXXX XXXX  XXXX ) provided utility services to XXXX XXXX at XXXX FL, XXXX from XXXX to XXXX. Upon moving from this residence XXXX XXXX never received any communication from XXXX regarding the amount due for these services. XXXX XXXX never received communication from XXXX regarding the amount due to be turned over to a collections agency. 
At some point XXXX turned the amount due over to Credit Collection Services ( CCS ). CCS never communicated the amount due to XXXX XXXX. XXXX XXXX was not aware that an amount was due until he seen the amount due reported on his credit history. During XXXX XXXX investigation to determine if the debt was valid, XXXX XXXX contacted CCS to pay the debt believing it would be removed from XXXX XXXX credit history. 
XXXX XXXX did not give CCS consent to disclose the debt or receive payment for the debt from XXXX XXXX. XXXX XXXX asked if the debt would be removed from XXXX XXXX credit history to which a representative of CCS told her it would be marked as paid in full. The representative did not clearly explain to XXXX XXXX that the derogatory account would remain on XXXX XXXX credit history. 
CCS is guilty of disclosing XXXX XXXX debt to a third party without the consent of XXXX XXXX. CCS is also guilty of using deceptive and misleading language during a phone conversation with a third party in order to collect the payment. 
XXXX XXXX made several attempts to resolve this issue with CCS. In XXXX XXXX good faith, he spoke to multiple representatives and a supervisor at CCS about removing the derogatory account from his credit history. CCS refused to cooperate in good faith with XXXX XXXX. The two representatives at CCS made misleading statements about the Fair Credit Reporting Act ( FCRA ). These representatives claimed that the FCRA required CCS to report the account even though it was paid in full. The FCRA does not require the reporting of the account. The FCRA only requires that the information reported is accurate. CCS has the discretion to remove the account from XXXX XXXX credit history once paid in full. CCS is guilty again of making deceptive and misleading statements to XXXX XXXX. 
XXXX XXXX has experienced undue financial hardship due to CCS and XXXX  actions. CCS and XXXX have made derogatory claims about XXXX XXXX financial character. This has caused XXXX XXXX hardship in obtaining both personal credit and business credit for his company XXXX XXXX, XXXX. XXXX XXXX initially sought only to have the derogatory account removed from his credit history. Now XXXX XXXX seeks financial compensation in the amount of {>= $1,000,000} as well as having the derogatory account removed from his credit history. 
XXXX XXXX is retaining XXXX XXXX XXXX to handle this case moving forward. XXXX XXXX and his attorneys will consider filing lawsuits against either CCS, XXXX, or both to resolve this issue.

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