Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
Dear Credit Collection Services, My name is XXXX XXXX, a federally protected consumer. This is my second time writing to you to formally dispute the following collection account below that appears on my credit report. My first time writing you was on XX/XX/XXXX with regard to this account. 

You are in clear violation of 18 U.S Code 1028, for extortion, theft by deception, securities fraud, and mail fraud, as well as, 15 U.S Code 1692 ( d ) ( 4 ) for coercing me into making a payment and debt parking. Please delete the following account from my consumer report. I do not know of your company. I did not enter into any contracts with your company. I did not enter into a business relationship with your company at any point and time. I did not authorize this account : 1. ) Credit Collection Services Account Type : Collection Account Original Balance : XXXX Date Opened : XX/XX/XXXX Furthermore, the information you are reporting on my consumer report are inconsistent, incorrect information across bureaus and it is apparent that the account does not belong to me, and belongs to someone else. I request that this account be investigated and removed from my credit report. 

You will need to provide me with a trilateral contract with my signature within 4 business days in receipt of this letter. Pe

r 15 U.S Code 1681 ( a ) ( 4 ) you have a responsibility to ensure fairness, impartiality, and consumers respect to privacy. My personal information has been shared and sold to you, a third party entity which is a clear violation of 15. U.S Code 6802. You are further reporting on Equifax that you are a debt buyer. So this account must belong to you or someone else.

Your company is also reporting late payments and that this account is past due and that you are a collection agency reporting on my consumer credit report which are unauthorized transactions and are negatively impacting my consumer report. This is a clear violation of 15 U.S Code 1666b, which states, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late payment for any purpose unless they sent the information in section 1637b 21 days prior to the due date of payment. Please provide proof that your company provided such information to me. I am stating, " I never recieved such documents. '' I request that you verify the accuracy of the debt and the requested items in the debt validation letter attached in this complaint. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and provide evidence that supports the validity of this account on my report while respecting my right to privacy. This means that you need to delete the following account from my consumer credit report until you are able to verify this account belongs to me. This account needs to be removed from my credit report entirely and permanently for the reporting of inaccurate, incorrect, and inconsistent information to all credit bureaus and debt parking.

My request to block is not being made in error and nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. Please provide me with written confirmation of your findings and the actions taken regarding this dispute via email provided in the letters and comply with the ceast and desist and debt validation. 

Thank you.

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