Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
b'After obtaining my credit report, I noticed that it shows late payments on the above account with your company. It specifically states that I was XXXX XXXX XXXX XXXX XXXX This has damaged my credit score and extremely troubling.\n\nI am sure you aware and understand that it is required by law that your company must take proper care in ensuring the accuracy of this information with my account; adhering to this of the utmost.\n\nthey are required to send my statements or bills to my correct address, take care to respond to my change of address requests and accurately record my payments in a timely fashion.\nAlso, make sure late fees are accessed properly.\nIn this regard, I hereby request the following steps to remedy this situation.\n\nTo ensure compliance with all provisions of the Fair Credit Billing Act, please send me a notarized statement attesting that you have complied with this act regarding my account.\nIm requiring written evidence for all the payment you claim that I was late according to my obligations with your company.\n\nName of Creditor/Collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCOMPLAINT DETAILS: The listed ALLEGATION of ICHARGE OFF is NOT currently reporting COMPLIANTLY due to one or more of the following reasons: The claim(s) are DEFICIENT of VERIFIABLE PHYSICAL PROOF of adequately and lawfully acquired PERMISSIBLE PURPOSE from the EXACTLY DENTIFIED ME or from any entity PROVEN to have the AUTHORITY to grant such PERMISSIBLE PURPOSE, OR THE ACCUSATION is UNTRUE, INCORRECT,INCOMPLETE, UNTIMELY, NOT PROVEN MINE, NOT PROVEN of MY RESPONSIBILITY , or elsewise DEFICIENT of Metro 2 compliance in LAWFUL REPORTING. That said, it is CLEAR you have NO OPTIONS other than the COMPLETE and IMMEDIATE ANNULMENT by full DELETION/REMOVAL of any and all such physically UNCERTIFICATED information, regardless if true or not. PROOF OF COMPLIANCE is NOT a VOLUNTARY mandate but rather a REQUISITE for you or ANY ENTITY to RETAIN much less REPORT. Return to federally required compliance and accurate reporting TODAY, even RIGHT NOW!\n\nCREDITOR alleging INQUIRY: Name of Creditor/Collector \nDATE of the ALLEGED INQUIRY Enter Date\nCOMPLAINT DETAILS: The listed ALLEGATION of INQUIRY is NOT currently reporting COMPLIANTLY due to one or more of the following reasons: The claim(s) are DEFICIENT of VERIFIABLE PHYSICAL PROOF of adequately and lawfully acquired PERMISSIBLE PURPOSE from the EXACTLY DENTIFIED ME or from any entity PROVEN to have the AUTHORITY to grant such PERMISSIBLE PURPOSE, OR THE ACCUSATION is UNTRUE, INCORRECT,INCOMPLETE, UNTIMELY, NOT PROVEN MINE, NOT PROVEN of MY RESPONSIBILITY , or elsewise DEFICIENT of Metro 2 compliance in LAWFUL REPORTING. That said, it is CLEAR you have NO OPTIONS other than the COMPLETE and IMMEDIATE ANNULMENT by full DELETION/REMOVAL of any and all such physically UNCERTIFICATED information, regardless if true or not. PROOF OF COMPLIANCE is NOT a VOLUNTARY mandate but rather a REQUISITE for you or ANY ENTITY to RETAIN much less REPORT. Return to federally required compliance and accurate reporting TODAY, even RIGHT NOW!\n\nCREDITOR alleging INQUIRY: Name of Creditor/Collector \nDATE of the ALLEGED INQUIRY Enter Date\nCOMPLAINT DETAILS: The listed ALLEGATION of INQUIRY is NOT currently reporting COMPLIANTLY due to one or more of the following reasons: The claim(s) are DEFICIENT of VERIFIABLE PHYSICAL PROOF of adequately and lawfully acquired PERMISSIBLE PURPOSE from the EXACTLY DENTIFIED ME or from any entity PROVEN to have the AUTHORITY to grant such PERMISSIBLE PURPOSE, OR THE ACCUSATION is UNTRUE, INCORRECT,INCOMPLETE, UNTIMELY, NOT PROVEN MINE, NOT PROVEN of MY RESPONSIBILITY , or elsewise DEFICIENT of Metro 2 compliance in LAWFUL REPORTING. That said, it is CLEAR you have NO OPTIONS other than the COMPLETE and IMMEDIATE ANNULMENT by full DELETION/REMOVAL of any and all such physically UNCERTIFICATED information, regardless if true or not. PROOF OF COMPLIANCE is NOT a VOLUNTARY mandate but rather a REQUISITE for you or ANY ENTITY to RETAIN much less REPORT. Return to federally required compliance and accurate reporting TODAY, even RIGHT NOW!\n\nIm seeking written evidence of timely billing and the posting of all payments I made on this account, regardless to whether you claim they were late from the time this account was opened to this present date.\n\nIf you are not able to provide me this evidence that I am legally entitled to have in writing, I affirm that you please delete all negative references of these late payments entries by your company on all CRA as they were submitted e.g. XXXX XXXX XXXX XXXX and any others.\n\nIf I have not received this itemized documentation within the period prescribed by law, I will expect to receive written notification that you have deleted all late entries that Ive disputed off my credit report.\n\nIm thanking you in advance for attending to my requests promptly.\n\nTo verify my Identity and my address, I am enclosing copies of identifying documents.\n\nPLEASE REMOVE ANY COLLECTION, LATE PAYMENT,INQUIRIES,  CLOSED ACCOUNTS FROM MY REPORT. ATTACHED IS A REPORT OF ALL NEGATIVE ITEMS AND FTC REPORT\n\n today exists that can certifiably ignore its mandated obligations to report compliantly and to 100% truth, correctness, completeness, timeliness, and documented irrefutable proof of ownership and responsibility of any allegations of adverse aspects to an account or of a derogatory account in and of itself. Per the metro 2 data formatted standards of legal reporting of consumer accounts and profile history and per the Fair Credit reporting act, namely section 609 a1A, it is in CLARITY that you are MANDATED to retain COMPLIANCE at all times, particularly upon notification by an infringed consumer that you are deficient of your requisites to report adequately and a challenge (or dispute) is lodged versus any data information previously NOT proven PHYSICALLY to be affirmed valid or is UNABLE to be demonstrated as true, accurate, complete, timely, and otherwise fully compliant to laws upon a documented declaration of concern by the consumer. I demand, as is MY RIGHTS to do so and as is your REQUIREMENT to satisfy, for you to ANNUL by deletion or removal any and all allegations DEFICIENT of PHYSICAL EVIDENCE OF COMPLIANCE to reporting laws much less verified and valid. If you are unwilling or UNABLE to do so in a federally defined TIMELY manner you MUST rectify your infractions by RETURNING TO or retaining federal reporting COMPLIANCE TODAY, even RIGHT NOW. As such, I DEMAND that you CERTIFICATE the verification and validity of the yet physically proven compliant and likely illegally reporting accusational claims or ANNUL TODAY by complete and non-injurious or prejudicial DELETION TODAY, even right NOW as REQUIRED per metro 2 data formatted reporting compliance regulation standards to which YOU ARE OBLIGATED to obey without hesitation. Ignorance of your duties, willfully or not, is grounds for any consumer injured to gain potential monetary rectifying remedies via civil litigations. I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below, and I have included proof of my social security and current address to avoid any delays in your response time.\n\nSincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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