Consumer complaint received 2023-03-03
Company: CCS Financial Services, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX a natural person, and a consumer, received a copy of my consumer report, and noticed and have proof that I am a victim of identity theft as defined under 15 USC 1681a ( q ) ( 3 ). 15 USC 1681a ( q ) ( 3 ) -The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. CREDIT COLLECTION SERVICES , INC. has stated that I, a consumer, owe an alleged debt of {$470.00} but updated my report on XX/XX/23 to paid and closed when Ive never even had communication or knowledge of this company! This alleged debt has been furnished to my consumer report and is a violation of 1692b ( 2 ). I, the consumer, have not given any prior consent or received any documentation before the communication of this alleged debt. This is a violation of 15 USC 1692 ( c ) ( a ) CREDIT COLLECTION SERVICES, INC. engaged in conduct that has harassed, oppressed, and abused me in connection with the collection of this alleged debt. Oppressing a right would be conducted not allowed under the FDCPA and is a violation of 15 USC 1692d. Credit is my right granted and protected by federal law. CREDIT COLLECTION SERVICES , INC. as caused damages to my financial reputation by furnishing this alleged debt to my consumer report in order to coerce payment. This is a violation of 15 USC 1692d ( 4 ) and is known as debt parking described by the FTC. CREDIT COLLECTION SERVICES , INC. has communicated a false representation of the character and amount of this alleged debt. This alleged debt is furnished on my consumer report in a negative amount. This is false and misleading and a violation of 15 USC 1692e ( 2 ) ( A ). CREDIT COLLECTION SERVICES , INC. has knowingly furnished the credit reporting agencies with false credit information which is a violation under 15 USC 1692e ( 8 ) All of these actions were false and deceptive and a violation under 15 USC 1692e ( 10 ) CREDIT COLLECTION SERVICES , INC. has not provided me with any validation of this alleged debt under 15 USC 1692g which should include : 1 ). amount of debt. 2 ). the name of the creditor to whom the debt is owed. 3 ). A law which states unless the debt within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector 4 ). Another law which states if you notify the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector. And a final law which states upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. My failure to dispute the validity of this alleged debt may not be construed as an admission of liability! 15 USC 1692g ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. These abusive and deceptive actions have caused a denial of credit and CREDIT COLLECTION SERVICES , INC. is liable to me for actual damages sustained due to violations committed under the FDCPA {$1000.00} per violation.

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