Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
CFPB COMPLAINT AGAINST CREDIT COLLECTION SERVICESXXXX XXXX XXXX XXXX Complainant : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, IL XXXX Respondent : Credit Collection Services XXXX XXXX XXXX, XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Summary of Complaint This complaint is filed against XXXX XXXX XXXX and Credit Collection Services for unlawfully reporting a fraudulent collection account to XXXX XXXX XXXX XXXX 
I am a documented victim of identity theft under 15 U.S.C. 1681c-2 ( FCRA 605B ). Despite my repeated disputes and identity-theft documentation, XXXX and Credit Collection Services continues to furnish and verify false, inaccurate, and unverifiable information to the nationwide consumer reporting agencies ( NCRAs ). 
The alleged XXXX collection account was not authorized by me, contains no signed agreement, and lacks any lawful debt validation. XXXX has failed to provide the chain of title, forward-flow agreements, and proof of any permissible purpose for transmitting this data to the credit bureaus. 

Violations of Law FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires a furnisher to block and delete all information resulting from identity theft within four business days of receiving proper documentation. 
FCRA 623 ( a ) ( 1 ) ( A ) : Prohibits furnishers from reporting information they know or should know is inaccurate.

FCRA 623 ( a ) ( 3 ) : Requires furnishers to conduct an investigation upon notice of a dispute from a consumer reporting agency.

FDCPA 807 ( 15 U.S.C. 1692e ) : Prohibits false, deceptive, or misleading representations in connection with the collection of any debt. 
FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ) : Requires debt collectors to cease collection and validate the debt upon written dispute.

CFPB Regulation V, 12 C.F.R. 1022.43 ( b ) ( 2 ) : Mandates furnishers to review all relevant information provided by the consumer and correct or delete inaccurate information. 
FTC Identity Theft Guidance ( 16 C.F.R. Part 603-Appendix D ) : Establishes that a furnisher must permanently block any tradeline identified as fraudulent once proper notice is received. 
Facts - The XXXX Credit Collection Services account appeared on my credit reports as a collection account without my consent. 
- I filed an identity theft report and submitted proof of my identity. 
- The NCRAs have verified the item as accurate based solely on XXXX unverified data. 
- I have never held any account or insurance policy with XXXX XXXX. 
- The continued reporting of this account has caused denials of credit, financial harm, and reputational injury. 

Requested Relief Immediate removal of the XXXX tradeline from all consumer reporting agencies. 
Production of documentation : Original unmarred application or policy signed by me, chain of title, and forward-flow agreements. 
Proof of permissible purpose under FCRA 604 ( 15 U.S.C. 1681b ) for obtaining or furnishing my consumer data.

Full accounting of all interest and profit derived from unlawful reporting or data sharing under my name. 
Civil penalties and statutory damages for willful and negligent violations of the FCRA and FDCPA. 
Referral to the CFPB Enforcement Division for investigation into XXXX systemic reporting of fraudulent accounts. 
Written confirmation from XXXX and the CFPB once the account is permanently deleted from all reporting systems.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief