Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
Here is how the letter would look if you're submitting it to the * * Consumer Financial Protection Bureau ( CFPB ) * *, asking them to intervene and appeal the continued reporting of a * * debt by Credit Collection Services * * that XXXX  has marked as " verified '' or " updated '' despite lacking proper validation : -- - * * XXXX XXXX * * XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX, Nj, XXXX XXXX XXXX XX/XX/XXXX * * Consumer Financial Protection Bureau * * XXXX XXXX XXXX XXXX, XXXX XXXX * * RE : Formal Complaint and Appeal Regarding Unverified Debt Reporting by Credit Collection Services and XXXX  * * * * Subject : * * Inaccurate Reporting Continued Reporting of Debt Despite Inadequate Verification Dear Sir/Madam, I am writing to formally * * appeal the continued reporting * * of an inaccurate and unverified debt listed by * * Credit Collection Services * * on my credit report with * * XXXX  * *. Although this debt was marked as * * verified or updated * *, the reporting is still inaccurate, incomplete, and unsupported by adequate documentation. 

As required under the * * Fair Credit Reporting Act ( FCRA ) * *, I dispute the accuracy and verification of this account and request immediate intervention from the CFPB to address the following concerns : # # # * * Key Issues : * * 1. * * Failure of Credit Collection Services to Properly Verify the Debt * * Despite being marked as * * verified * *, the debt reported by * * Credit Collection Services * * has not been substantiated with proper legal documentation, including : * A signed contract or agreement proving responsibility for the debt. 
* A clear breakdown of the amount claimed. 
* Evidence showing a proper chain of ownership if the debt was sold or transferred. 

2. * * Violation of FCRA 1681e ( b ) and 1681i * * * * XXXX  * * has failed to ensure that the information reported on my credit file is accurate, complete, and legally verified. Their verification of the debt does not meet the requirements set forth under * * FCRA 1681e ( b ) * * ( maximum possible accuracy ) and * * FCRA 1681i * * ( proper reinvestigation and correction of disputed information ). As such, this entry is in violation of consumer protection laws. 

3. * * Improper Reporting Despite Inadequate Documentation * * Merely marking the account as verified does not meet the standard of legal validation required under * * FCRA * * and * * FDCPA * *. The debt remains unverifiable, and the continued reporting of this unverified debt is damaging my credit score and financial standing. 

# # # * * Requested Action : * * I respectfully request the * * CFPBs intervention * * in the following ways : 1. * * Investigate * * the actions of * * Credit Collection Services * * and * * XXXX  * * in connection with the handling and reporting of this debt. 
2. * * Compel XXXX  to delete the account * * from my credit report unless * * Credit Collection Services * * can provide sufficient, legally admissible documentation proving the debts validity. 
3. * * Ensure compliance * * with federal credit reporting and debt collection laws, specifically * * FCRA 1681e ( b ) and 1681i * * and * * FDCPA * *. 

I trust that the CFPB will take appropriate steps to resolve this matter and protect my rights under federal law. Please advise me on the next steps and provide confirmation once this issue has been investigated. 

Thank you for your attention to this important matter. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX ] XXXX ( Last XXXX digits ) : XXXX

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