Consumer complaint received 2023-01-21
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To Whom it May Concern, I am writing to file a complaint against CCS COLLECTIONS for violating the Fair Credit Reporting Act ( FCRA ). Specifically, CCS COLLECTIONS reported a collection to the consumer reporting agency that they never actually collected, after I had already made payment to Esurance ( Regarding Policy number : XXXX ) for the amount of {$94.00}. On Tue, XX/XX/2021, at XXXX XXXX, I made a payment to XXXX for a past due balance of {$94.00}. This payment was made to fulfill esurance company 's requirement before purchasing a new car policy ( Policy number : XXXX ). The requirement was to pay any past-due balance before the issuance of the new policy. Which I did in the specified amount, day, and time above. You can verify these facts by calling the XXXX customer service center at XXXX ( XXXX ). 

Therefore, I am absolutely confident that CCS COLLECTIONS can not provide a date and transaction ID for this transaction, as it was paid by me, directly to esurance, right before I purchased a new car policy ( on Tue, XX/XX/2021, XXXXXXXX XXXX ; Policy number : XXXX ) from Esurance. At this time, esurance did not disclose or mention that the account had been acquired by a collections agency. Additionally, if the account had already been acquired by CCS COLLECTIONS, esurance would not have directly taken payment. Neither had CCS COLLECTIONS communicated with me before this date and payment, about the acquisition of my account. 

Pursuant to 15 U.S.C. 1681s-2 ( a ) ( 1 ), " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. '' This section prohibits collection agencies from knowingly reporting false information about a consumer to a consumer reporting agency. CCS COLLECTIONS is in violation of this section by reporting false information about me to a consumer reporting agency. 

Furthermore, 15 U.S.C. 1681i ( a ) ( 1 ) ( B ) of the FCRA specifically pertains to the responsibilities of CRAs in the event of a disputed credit report. If a consumer disputes the accuracy of the information in their credit report, the CRA must investigate the dispute within a reasonable period of time and if the investigation finds that the information is inaccurate, the CRA must promptly delete or correct the information. 

I respectfully request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action against CCS COLLECTIONS for its violations of the FCRA. I request the CFPB to require an update of my report to reflect the accurate and verifiable information and request the deletion of any information relating to any outdated information being reported. I further request CCS COLLECTIONS to facilitate me with a copy of any changes to my report pertaining to this complaint. 

Sincerely, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation