Consumer complaint received 2023-04-20
Company: CCS Financial Services, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
CCS CREDIT COLLECTIONS contacted me by phone and mail to collect a debt I never agreed or contracted to pay.The first time they contacted me I told them they were contacting the wrong person because I dont owe any debt to them or to the company they were stating they paid money to to purchase this debt from. They stated they purchased the debt from a charged off account and now I owe them money from that purchase. I let them know again I never contracted or signed with any company to pay anything. The comments under this account being furnished on my consumers report states I disputed this account. I disputed this account with them verbally and on paper because I dont know who this debt belongs to since I have never signed or contracted with either company thats stating I owe this debt with them. I sent over a debt validation letter to this company asking if they can produce a wet contract signed by me stating I owe this debt, or any agreement that shows im obligated to the debt. If CCS CREDIT COLLECTIONS had supplied me with sufficient evidence that this debt belonged to me id be more than willing to pay it. CCS CREDIT COLLECTIONS Has never responded to the letter I sent them to validate this debt, insteaed they decided to impropely furnish incorrect information on my cosumers report. This is the second time CCS has furnished incorrect information on my account. The first time they removed the information off my consumers report and ceased their collection efforts so im confused as to why they would choose to impropely furnish incorrect information on my consumers report yet again. This is feeling like harrasment because they never sent me over the infomation i request to validate that this debt belongs to me. My information was leaked through XXXX data breach system and I believe this account is a result from that leak. 
They started to report this negative XX/XX/2023. This account is defemation of character. At the time they choose to furnish this account I was applying to move to a new home I was being denied left and right due to this neagtive account on my consumers report. I have no other collections on my consumers report besides this incorrect one. CCS has handled this account incorrctly and this company has not handled my consumers report with accuracy of integrity! They have never did they due-diligence to make sure this account belongs to me before furnishing it on my consumers report. 

12 CFR 1022.41states ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

12 CFR 1022.41 ( d ) also states Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. 



Due to the number of inaccuracies with this account which I have highlighted in the image below in the attachment section I know this debt is a mistake and shows this account was not handled with accuracy or integrity. There multiple inaccuries reporting with this account across all three reporting bureaus.The last reporting dates from this account is incorrect, XXXX says XX/XX/2023, XXXX say XX/XX/2023 and XXXX is reporting nothing at all. If this account is accurate and handled correctly all the information reporting on this would be reported to all bureas reflecting the same Information. Yet there is incorrect Last active dates, date opened dates. reporting dates as well as last payment dates. They are making dates up to impropely furmish this information. This account is not in furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report. This acccount does not Reflect the terms of and liability for the account or other relationship.This account is violting 12 CFR 1022.41 and CCS CREDIT COLLECTIONS is the company violating my rights as a consumer.

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