Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding XXXX collection accounts appearing on my XXXX credit file. Both furnishers Credit Collection Services is reporting information that is inaccurate, incomplete, and unverifiable, which is a violation of FCRA 602A, 607 ( b ), and 611.

This is not a duplicate complaint. The furnisher did not provide any of the required documentation including the 1099-C, charge-off records, proof of ownership, or verification of the alleged balance and XXXX did not perform an adequate reinvestigation. These issues remain unresolved and are being raised here for the first time.

Additional Concerns About Furnisher Conduct : This is not a duplicate complaint. In reviewing this company, I discovered that the furnisher has an extensive pattern of deceptive or improper conduct. There are approximately XXXX complaints filed against this business, and they hold a XXXX rating below XXXX out of XXXX stars, which indicates ongoing consumer issues and potential non-compliance with federal law. 
In addition, the furnisher engaged in improper third-party disclosure by contacting my home and disclosing information about the alleged account to my cousin, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). Third-party disclosure is strictly prohibited unless the disclosure is for location information only and does not include any mention of a debt. This furnisher failed to follow these rules. 
The combination of : * their high number of consumer complaints, * poor public rating, * refusal to provide verification documents ( including the 1099-C and charge-off records ), * inconsistent reporting across credit bureaus, and * unlawful third-party disclosure raises serious concerns about the accuracy, legitimacy, and compliance of their operations. 
Because of these issues, I will also be filing complaints with the Federal Trade Commission ( FTC ) and the XXXX XXXX XXXX ( XXXX ) to ensure the conduct of this furnisher is fully reviewed. However, I am requesting the CFPBs assistance specifically regarding the credit reporting violations, failure to verify the account, missing documentation, and the consumer harm caused by inaccurate reporting. 
I am not admitting liability for any alleged debt ; I am disputing the reporting, the lack of verification, the third-party disclosure, and the furnishers pattern of non-compliance. 

I have NOT admitted ownership of the alleged debts. I am disputing the accuracy and validity of the information being furnished, and the furnishers have failed to provide the documentation required to verify the reporting. 
The account in question ( as shown on my XXXX report dated XX/XX/year> ) is : 1. Credit Collection Services XXXX XXXX XXXX XXXX XXXX MA XXXX * Balance shown : {$750.00} * Status : Collection / Charge-Off * Issue : Reporting appears inaccurate and unverifiable Additional Details of the Problem : The furnisher has failed to provide the following required documentation and verification, despite multiple requests : * A complete account-level accounting * A full payment history * Proof of debt ownership or assignment * Required notices under the Fair Credit Reporting Act * Verification of the alleged balance * Documentation showing how the account was verified * A Form 1099-C, even though the account is being reported as a charge-off * Charge-off documentation or accounting breakdown * Documentation identifying the original creditor * Any records demonstrating that the information furnished to the credit bureaus is accurate and complete In addition, the account is being reported inconsistently across different credit bureaus, with conflicting status information such as Collection/Charge-Off, variations in balances, and discrepancies in dates. 
This inconsistent reporting is inaccurate and misleading, and violates the FCRA requirement for maximum possible accuracy. 
Because the furnisher did not provide proper documentation, did not verify the information, and is reporting contradictory information across credit bureaus, this account is unverified, inaccurate, and incomplete, and should not continue to appear on my credit report. 
Because they can not validate their reporting, the accounts appear to be unverified, incomplete, and misleading under the Fair Credit Reporting Act. 
Additionally, both accounts show inconsistencies in dates and balances, and each reports a charge-off/collection status without the required supporting documentation. This violates the FCRA requirement for maximum possible accuracy ( FCRA 607 ( b ) ).

I am NOT acknowledging liability for either account. I am disputing the credit reporting, not the alleged debt.

Requested Remedy : I request the CFPBs assistance to require the furnishers and XXXX to : 1. Conduct a full investigation into each account 2. Provide complete verification, including : * Proof of debt ownership * Account-level documentation * A full payment history * Validation of all reported balances 3. Delete the accounts entirely from my XXXX report if the furnishers can not provide full verification 4. Ensure that the furnishers stop reporting unverified or inaccurate information 5. Provide written confirmation of the investigation results and any corrections or deletions made Because the furnishers have not provided the documentation required under FCRA to verify the information, I believe these accounts should be removed if they can not be validated. 
I certify this information is accurate to the best of my knowledge.

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