Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
XX/XX/XXXX sent via 1 ) email 2 ) Self service website 3 ) US mail Credit collection Services. 
XXXX XXXX XXXX XXXX, MA XXXX. 
To whom it may concern. 
On XX/XX/XXXX, I received your letter dated XX/XX/XXXX. [ Exhibit A ] I understand that you are acting on behalf of XXXX XXXX XXXX in your attempts to collect an alleged debt of {$1700.00}, with a reference number of XXXX. 
The alleged debt that you have recorded and subsequently now filed with the credit bureaus Credit file which I will take up later in this letter, is in reference to a home located at XXXX XXXX XXXX. XXXX XXXX. XXXX, CT XXXX with the creditor account number of XXXX. 
1. I do not own XXXX XXXX XXXX. XXXX XXXX. 
2. I have never rented XXXX XXXX XXXX. XXXX XXXX nor used electricity service at this address. 
3. The creditor. XXXX XXXX XXXX has been informed multiple times that I am not the person responsible for this bill. 
4. On XX/XX/XXXX, I sent back via the US Postal Service my response to your letter dated XX/XX/XXXX. In my response, I checked the box that said I want you to send me the name and the address of the original creditor. You did not do as I had asked. 
5. On your own correspondence, dated XX/XX/XXXX. XXXX, you say, and I quote If you write to us by XX/XX/XXXX, we must stop collection on any amount you dispute until we send you the information that shows you owe the debt. You did not do this. 
6. The website that you reference on your XX/XX/XXXX letter is a unsecured version, meaning rather than having XXXX XXXX XXXX it just has http which makes your website suspicious or unsafe. Why do you use outdated technology? 
7. As identified in the supporting attached documents, you have now contacted the three credit bureaus and placed this debt of {$1700.00} on my credit rating which has caused it to plummet XXXX points. This was an illegal act on your part as you did not respond to my request to supply the information verifying, I was the debtor. You state in your XX/XX/XXXX, XXXX letter and I quote this notice will serve as a credit reporting alert that adverse credit information is scheduled to be reported to one or more of the three major credit bureaus. In fact, which had already happened on XX/XX/XXXX. The point being before I even received this written correspondence, advising me of that fact, you had already reported this to the credit agencies. The operative word is scheduled to be reported when in fact you meant that you had already done it, even though the letter hadn't been yet received! This is a clear indication that as a collection agency, you are not following the rules and the regulations as outlined by the Federal Credit Reporting Act. Hence, I am filing a complaint against XXXX and XXXX of Illinois. With an address of XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX as well as Credit and collection services. XXXX XXXX XXXX XXXX, XXXX, XXXX. You're in violation on the federal. 
Collection Regulations. 
8. Today, XX/XX/XXXXXXXX XXXX XXXX XXXX. I have uploaded this document to your unsecured website. And I will also mail this letter. 
9. My request at this point is for you to respond to this letter after reading it and reviewing all the supporting documentation proving that I am not the debtor. 
10. I am also requesting in this letter to you that you immediately contact XXXX XXXX XXXX XXXX  to remove the collection pursuit and file a document to this effect with each agency so my credit is not damaged any further than it has already been by your carelessness. 
11. I am also requesting in this letter to you that you write me a letter of apology. And that you connect with the XXXX XXXX department to inform them of your mistake. 
12. If I do not hear back from you in 30 days, which would be XX/XX/XXXX, I will pursue legal action against you and XXXX. 
Regretfully yours. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Attachments included proving XXXX XXXX is NOT the debtor.

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