Consumer complaint received 2023-07-07
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand Letter for Removal of Fraudulent Collections Accounts Dear Sir/Madam, I hope this letter finds you well. I am writing to bring your immediate attention to the presence of two fraudulent collections accounts on my credit report, which were reported by your agency, Credit Collection Services. These accounts do not belong to me and were opened using my personal information without my knowledge or consent. 

I have already taken the necessary steps to address this fraudulent activity by filing a police report with the XXXX Police Department. I have attached the relevant police report for your reference and investigation into the matter. The police report clearly establishes the fraudulent nature of these accounts and confirms that I am a victim of identity theft. 

Therefore, I hereby demand that you take the following actions : 1. Immediate Removal : Remove the two fraudulent collections accounts from my credit report, listed as : a. CREDIT COLLECTION SERV for {$320.00} b. CREDIT COLLECTION SERV for {$1800.00} 2. Verification : Conduct a thorough investigation into these fraudulent accounts to verify their illegitimate nature. You must provide me with written documentation confirming the outcome of this investigation. 

3. Preventive Measures : Implement appropriate measures to prevent any further dissemination or reporting of these fraudulent accounts. This includes ensuring that no future attempts are made to collect on these accounts or report them to any credit reporting agency. 

4. Communication : Cease all communication regarding the fraudulent accounts unless it is to provide written confirmation of the removal and resolution of the matter. Any further contact should be made in writing only. 

Please be aware that as the victim of identity theft, I am protected under the Fair Credit Reporting Act ( FCRA ) and am entitled to immediate resolution of any inaccuracies on my credit report. Failure to comply with this demand within 30 days from the date of this letter will result in legal action against your agency for willful non-compliance with the FCRA. 

I expect your prompt attention and resolution of this matter. It is crucial that my credit report is accurate and free from any unauthorized entries that negatively impact my financial standing. I reserve all rights to seek damages, compensation, and any other legal remedies available to me under the law for any inconvenience, emotional distress, or harm caused by your agency 's failure to adhere to this demand. 

I anticipate your immediate action in this matter and would appreciate written confirmation that the fraudulent accounts have been removed from my credit report. Please feel free to contact me via the information provided above with any questions or updates regarding the status of this case. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX

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