Consumer complaint received 2022-01-07
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 COLLECTION SERV ) contacted me by phone and mail to collect a debt I never agreed or contracted to pay.When they contacted me I initially asked them if they were speaking to the correct person because I was unaware of owing any debt to anyone. They responded I owed them money on two debt 's they purchased from other companies. I asked how did I owe them money I've I never agreed or contracted to pay anything to them directly, and I never agreed or contracted to pay to the companies he/she said she purchased the debt from. The rep then stated I was asking too many questions and he/she would be calling everyday until I paid on that debt. The next day the company started to report negative and defaming information on my credit report. I responded to them in written communication with a debt validation letter which I am attaching below. CCS ( CREDIT COLLECTION SERV ) did not respond to the debt validation letter. After not receiving a response I believed CCS ( CREDIT COLLECTION SERV ) realized their mistake and started to correct their mistake since I had not received a response validating these debt. I checked my consumers report and noticed they had not removed the account and had not did their jobs as a data furnishers by upholding 12 CFR 1022.4.

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. I don't not feel like my account was handled with accuracy and/or integrity. Therefore, with respect, I am challenging the accuracy and integrity of this information. Since the accounts they furnished had so many inaccuracies I know these debts were not handled with accuracy or integrity and are a mistakes and do not belong to me. Please remove these defaming accounts off of my consumers report. As you can see in the images I have attached these accounts have multiple inaccuracies. For the account starting with XXXX, their inaccuracies on the DATE OPENED, LAST REPORTED DATE, DATE LAST ACTIVE. Same with account XXXX, DATE OPENED, LAST REPORTED DATE, AND DATE LAST ACTIVE. I have highlighted all inaccuracies within these accounts and attached them to an image below. Due to the inaccuracies of these account I have been denied loans I would have been approved for had this account been handled with accuracy and integrity. This has caused me sleepless nights, stress and really bad anxiety. Going forward This company should access and address all their accounts with accuracy and integrity as12 CFR 1022.41 ( a ) ( d ) states.because its the consumer who suffers. 

CCS ACCOUNT NUMBERS XXXX & XXXX

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