Consumer complaint received 2024-01-18
Company: CCS Financial Services, Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Name : XXXX XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX Dear Credit Reporting Agencies : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Issue : incorrect information ; information reported inaccurately, and given out without written consent, in addition to disclosing my information to a third-party affiliate without my consent violating the terms and conditions of said institutions below. 

Subject : Fair Credit Reporting Act, 607 15 USC 1681e ( b ). Account information on XXXX XXXX XXXX Acct XXXX XXXXXXXX Along with XXXX XXXX XXXX Acct XXXX XXXX is incorrect, chargeoffs are under the definition of a Certificate of Indebtedness therefore falls under the listing as income thus any income, must be removed immediately as a violation per the Privacy Act of XXXX I am exercising my right under the Fair Credit Reporting Act, 607 15 U.S.C. 1681e ( b ), Compliance Procedures As per Section 607, Accuracy of Report, A consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy of the information about whom the report relates, backed by 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

As proof of my identity, I have included copies of my Social Security card, and utility bill. I have also included a copy of my credit report with the inaccurate Information I am requesting to have removed, Entitled Exhibit A circled and highlighted, please update my file promptly. There shall be no other address, name, or number, the correct reporting name, address and phone number is : Exhibit A XXXX XXXX XXXX Current address : XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX Current phone number XXXX any other address, names and phone numbers are fraudulent and subject to violations per federal FCRA & The FTC hereunder 5 USC 522 ( a ) including 17 CFR 424, No authorization of any and all promotional inquiries, revokes access to viewing my information without my consent. 

As it comes to my understanding my information compromised or in other words was given to a third party affiliate Company which violates 15 USC 6801 which states, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information As it shows below are accounts falsely reported : XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct : XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX & XXXX. Reported XX/XX/XXXX CCS Collections Acct XXXX XXXX XXXXXXXX, Reported XX/XX/XXXX on XXXX XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX Acct XXXX : XXXX Along with these institutions inquiring on my information without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under the category of financial institutions Which violates my rights within the Privacy Act of XXXX 5 U.S.C . 552a ( e ) ( 3 )- Inform Individuals when Asking to Collect Information Each agency that maintains a system of records shall A ( 3 ) inform each individual whom it asks to supply information, on the form which it uses to collect the information or on a separate form that can be retained by the individual ( A ) the authority ( whether granted by statute, or by executive order of the President ) which authorizes the solicitation of the information and whether disclosure of such information is mandatory or voluntary ; ( B ) the principal purpose or purposes for which the information is intended to be used ; ( C ) the routine uses which may be made of the information, as published pursuant to paragraph ( 4 ) ( D ) of this subsection ; and ( D ) the effects on him, if any, of not providing all or any part of the requested information. 5 U.S.C. 
552a ( e ) ( 3 ). FCRA 619. Obtaining information under false pretenses [ 15 U.S.C. 1681q ] Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, United States Code, imprisoned for not more than 2 years, or both backed by 620. Unauthorized disclosures by officers or employees [ 15 U.S.C. 1681r ] Any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agencys files to a person not authorized to receive that information shall be fined under title 18, United States Code, imprisoned for not more than 2 years, or both. 
16 CFR 433.2 states that it preserves a consumer 's right to claims and defenses, unfair or deceptive acts or practices backed by 16 CFR 433.3 ( a ) Any seller who has taken or received an open end consumer credit contract before XX/XX/XXXX, shall be exempt from the requirements of 16 CFR part 433 with respect to such contract provided the contract does not cut off consumers ' claims and defenses. Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/XXXX from requirements of 433.2 ( a ). Compensation is warranted. 
Under 616 15 U.S.C. 1681n Wilfully noncompliant Bureau named above will be reported to the Federal Trade Commission possibly sued for negligence applicable and infliction of emotional distress & punitive damages for malicious conduct additional damages court cost, Attorney fees, lost of wages may be accessed if you fall to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than { {$100.00} } and not more than { {$1000.00} } ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or { {$1000.00} }, whichever is greater ; If you can prove they willfully violated the act you are entitled to at least XXXX XXXX per violation upon consumer report findings plus any other damages you have sustained as a result of their failure to follow the law. In suit for compensation for inconveniences, I request to be compensated { {$10000.00} } for these violations along with the permanently immediate removal of accounts above affecting credit in any way. I have been injured as a result. I suffer financial loss, embarrassment, lack of health care, living standards, rejection from acquiring things to live my life as the Beneficiary of said rights above. Equity regards the beneficiary as the true owner.

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