Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am filing this complaint against Credit Collection Services for reporting an unverifiable and potentially invalid collection account to all three major consumer credit bureaus in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. Credit Collection Services is reporting a collection account with an alleged balance of {$570.00}, citing XXXX XXXX as the original creditor, Account No. XXXX. This account has been reporting since XX/XX/year> and reflects absolutely no payment history on any of my three credit bureau reports. I am disputing this account on the following urgent grounds : XXXX. INSURANCE DEBT HEIGHTENED AND UNIQUE DOCUMENTATION REQUIREMENTS : The alleged original creditor is XXXX XXXX, an insurance company. Insurance debts are fundamentally different from traditional credit obligations and carry unique documentation requirements for third-party collection and credit reporting. To verify and lawfully report this alleged debt, Credit Collection Services must possess the original insurance policy documents bearing my signature, the complete premium payment schedule in effect at the time the alleged debt was incurred, documentation identifying the specific policy period and coverage to which the {$570.00} balance relates, a full itemized accounting of all unpaid premiums, cancellation fees, or charges comprising the balance, proof that XXXX XXXX provided proper notice before placement with a third-party collector, and the complete chain of assignment from XXXX XXXX to Credit Collection Services . Collection agencies that acquire insurance debts routinely do not receive this complete documentation, rendering the debt unverifiable under the FCRA. XXXX. COMPLETE AND UNIVERSAL ABSENCE OF PAYMENT HISTORY : This account has absolutely no payment history on XXXX XXXX XXXX XXXX not a single transaction record on any bureau. This is the most conclusive indicator of unverifiability possible. A collection account reporting a {$570.00} balance across three major credit bureaus with zero transaction history on any of them can not meet the FCRA 's accuracy standard under any reasonable interpretation. XXXX. STALE DOCUMENTATION : This account was placed for collection in XX/XX/year>, nearly four years ago. Insurance documentation from that period must be confirmed as complete and currently accessible. Credit Collection Services must demonstrate it possesses the full original documentation from XXXX XXXX not merely an electronic balance summary. XXXX. UNPAID DESIGNATION WITHOUT SUPPORTING HISTORY : XXXX specifically marks this account as unpaid. This designation can not be accurately reported without verifiable payment history demonstrating the origin and accuracy of the balance. The universal absence of payment history makes this designation impossible to confirm.

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