Consumer complaint received 2021-04-27
Company: CCS Financial Services, Inc.
State: CO
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 pulled my XXXX  credit report through XXXX on XX/XX/XXXX. An account which is not mine was listed in the collections section. The collection agency was listed as " CCS Collections '' and the original creditor name was listed as " XXXX IN. '' I have never had an account with XXXX. 

I called CCS Collections using the number listed in my credit report. The representative was unable to find any accounts using my name, my phone number, or my current address. He stated he can look up accounts using the amount of the debt and/or an address, and asked if I had any prior addresses he could check for. I gave him my previous address, where I have not lived for over five years. 

The representative found the account. He stated that it was for an insurance policy that had been cancelled in XX/XX/XXXX and that the vehicle listed on the account was a XXXX XXXX XXXX. I have never owned a XXXX, nor has anyone in my household, and I told him this. He stated that the account was opened through a company called XXXX XXXX XXXX and provided their address and telephone number. He then gave me a birthdate with a year of XXXX and asked if anyone in the household could have made the account. No one in my household was born in XXXX and I informed him of this. 

I asked how the account was tied to me and he stated it was because the address matched the account on file. He would not give me the name of the account holder or explain how an apartment address, where people move in and out all the time, was an appropriate way to link someone to an account, so I asked to speak to a supervisor. 

The supervisor stated that their process allows them to mark the account as fraudulent but that I will still owe the money unless I prove that I have never owned a XXXX XXXX. I asked him how I was supposed to prove that I had never owned a XXXX, and he recommended calling the DMV and asking for a motor vehicle check in my name. He also stated that there was also a homeowners insurance policy associated with the account. I asked why they would have issued a homeowners insurance policy on an apartment where everyone rents, and he stated he could not discuss that with me because I said the debt was not mine. I asked what the name on the account was, and he said, " It's yours. '' I asked him again to tell me the name, and he correctly pronounced my name. However, when I asked him to spell my first name, he spelled it incorrectly. I asked him if my name was on the account, why his representative couldn't find it initially by looking up my name, and he stated that it was my name on the account. When I asked the birthday of the account holder, he stated that he couldn't give it to me since I said the debt was not mine. 

I ended the call and called XXXX using the information provided by the first representative. No one answered and I left a voicemail. I also looked up XXXX  online and found that the number I had called was an agent 's cell phone. I then called the main number listed on the XXXX website and left a message there as well. 

I then called XXXX. I was disconnected the first time. The second time, the agent was unable to find any account using my name, phone number, current or prior address, etc. etc. She stated she would transfer me to the collections department. When she put the call through, it was to the CCS Collections phone tree. I disconnected the call since I had already spoken with them with poor results. 

I called the DMV to inquire about the motor vehicle check. They stated that such a check would only show my driving record, date licensed, etc. and would not in any way prove that I had or had not owned a specific make and model of vehicle.

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