Consumer complaint received 2023-12-05
Company: CCS Financial Services, Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am reaching out to you amidst a situation that has not only caused me financial harm but also deep personal distress. The Credit Collection Service, in collaboration with the Original Creditor : Progressive, has engaged in actions that I believe constitute identity theft, deceptive business practices, and a gross violation of my consumer rights. 

Initially, I informed XXXX of a change in my address due to concerns of mail theft, trusting that this critical information would be updated in their records for security purposes. However, this trust was betrayed. XXXX failed to update their records, and my financial communications continued to be sent to the wrong address. This oversight led to a series of unauthorized actions on my account, mirroring identity theft. 

The situation was exacerbated when The Credit Collection Service, receiving outdated information from XXXX, used this to their advantage in what I perceive as deceptive business practices. Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to engage in fair and honest practices. However, by utilizing incorrect address information, they effectively made financial decisions and reported adverse actions on my credit report without my knowledge or consent a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Such actions have far-reaching impacts on a consumers credit report and overall financial health. When these decisions are made without the consumer 's input or consent, it is not only unfair but also illegal. The Credit Collection Service 's failure to ensure that I received necessary account notifications before reporting adverse entries on my credit report is akin to identity theft. They have made financial decisions in my name without my authorization, deeply impacting my credit score and reputation. 

This situation is not just a breach of legal protocols ; it is a personal crisis. The emotional toll of facing these unwarranted consequences is immense. Each day, I struggle with the repercussions a damaged credit score, the XXXX  of financial uncertainty, and the daunting task of clearing my name. This has been a harrowing experience, feeling punished for their negligence and oversight. 

I implore the Consumer Financial Protection Bureau to view this case not just as a corporate oversight but as a violation of an individuals rights and well-being. I seek your intervention to hold The Credit Collection Service & Original Creditor : XXXX  accountable for their actions and ensure that such negligent and deceptive practices are not inflicted upon any other consumer. 


Imagine my shock and disbelief when I discovered unauthorized actions on my account, actions I had no knowledge of, let alone consented to. The negligence of XXXX has not just been an inconvenience ; it has been a violation of my identity and financial security. They, through their inaction, allowed decisions to be made and actions to be taken under my name, effectively hijacking my financial identity. 

This is not a mere oversight. It is a breach of my rights under the Fair Credit Reporting Act. By failing to update my address and subsequently reporting adverse actions, not only tarnished my credit report but also my peace of mind. The repercussions of their actions are not just numbers on a report ; they are sleepless nights, a constant state of anxiety, and a tarnished financial reputation that I painstakingly built over the years. 

Their unauthorized decision-making has been particularly egregious. The initial mail theft incident had already made me vulnerable, and their failure to send communications to my new address only magnified my exposure to risk. It's hard to articulate the frustration and helplessness I feel, knowing that my financial standing is being compromised without my input or ability to intervene. 

I implore the Consumer Financial Protection Bureau to not only view this as a case of corporate oversight but as a personal narrative of an individual whose life has been upended by the actions of a financial institution. 

I am available for any further information or clarification you might need. Thank you for taking the time to understand the depth of my situation and for your efforts in protecting consumers like myself.

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