Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am filing this complaint against CREDIT COLLECTIONS for WILLFUL VIOLATIONS of the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and Georgia state licensing laws. EXHIBIT LIST ( Attached ) : Exhibit Description Exhibit A My XX/XX/XXXX dispute letter to XXXX XXXX ( Account # XXXX Progressive, {$960.00} ) Exhibit B Certified Mail Receipt showing mailing on XX/XX/XXXX On XX/XX/XXXX, I sent a formal written dispute via CERTIFIED MAIL RETURN RECEIPT REQUESTED to CREDIT COLLECTIONS regarding an alleged debt of {$960.00} from XXXX ( Account # XXXX ). My dispute letter explicitly stated : " THIS DEBT IS NOT MINE '' " I have no knowledge of this account '' " CEASE ALL COLLECTION ACTIVITY including credit reporting '' " DELETE this tradeline from XXXX XXXX XXXX XXXX '' NMLS Verification ( Exhibit C ) : XXXX XXXX holds NO LICENSE TO COLLECT DEBTS IN GEORGIA. I reside at XXXX XXXX XXXX XXXX XXXX, GA XXXX. XXXX validation period expired : XX/XX/XXXX ( 30 days from mailing ). Current status ( XX/XX/XXXX ) : XXXX XXXX has : FAILED to provide any validation of the alleged debt FAILED to delete the tradeline from my credit reports CONTINUED reporting to all three bureaus ( Exhibit D ) CRITICAL INCONSISTENCY : My credit reports show this SAME alleged debt with CONTRADICTORY INFORMATION : Bureau Balance Status Paid % EQUIFAX {$960.00} Unpaid 0 % EXPERIAN {$960.00} Collection 0 % TRANSUNION {$0.00} Paid Off 100 % THIS IS LEGALLY IMPOSSIBLE. A single debt can not simultaneously be : Unpaid AND Paid Off Owed AND not owed 0 % paid AND 100 % paid VIOLATION # XXXX : XXXX U.S.C. XXXX ( a ) FAILURE TO PROVIDE VALIDATION NOTICE XXXX XXXX failed to provide the written validation notice required within XXXX DAYS of their initial communication. I have never received any notice from them regarding this alleged debt. This is a PER XXXX VIOLATION of XXXX ( a ). VIOLATION # XXXX : XXXX XXXX. XXXX ( b ) CONTINUED COLLECTION WITHOUT VALIDATION After receiving my certified written dispute on [ DELIVERY DATE ], XXXX XXXX was required to CEASE ALL COLLECTION ACTIVITY until validation was provided. Instead, they CONTINUED REPORTING this disputed debt to all three credit bureaus. Legal Authority : Russell v. Absolute Collection Services , Inc., 763 F.3d 385 ( 4th Cir. 2014 ) Credit reporting during the validation period constitutes " collection activity '' prohibited by 1692g ( b ). VIOLATION # 3 : 15 U.S.C. 1692e ( 2 ) ( A ) FALSE REPRESENTATION OF CHARACTER/AMOUNT Reporting this debt with CONTRADICTORY BALANCES AND STATUSES across credit bureaus falsely represents the character and legal status of the alleged debt. A debt can not simultaneously be : {$960.00} owed AND {$0.00} owed Unpaid AND Paid Off 0 % paid AND 100 % paid VIOLATION # 4 : 15 U.S.C. 1692e ( 5 ) THREATENING ACTION THAT CAN NOT LEGALLY BE TAKEN By attempting to collect a debt in Georgia while holding NO LICENSE, CREDIT COLLECTIONS implicitly threatens legal action they can not take. An unlicensed entity has NO STANDING TO SUE in Georgia courts. Legal Authority : LeBlanc v. Unifund CCR Partners, 601 F.3d 1185 ( 11th Cir. 2010 ) Unlicensed collection is an unfair practice under 1692f. ( Note : 11th Circuit governs Georgia ) VIOLATION # 5 : 15 U.S.C. 1692e ( 8 ) FALSE CREDIT INFORMATION CREDIT COLLECTIONS is reporting this debt to all three credit bureaus WITHOUT NOTING IT IS DISPUTED, despite the " Account information disputed by consumer '' notation on my reports showing previous disputes. Legal Authority : Wood v. Security Credit Services , LLC, No. 23-2071 ( 7th Cir. Jan. 28, 2025 ) 1692e ( 8 ) imposes a NEGLIGENCE STANDARD : debt collectors must exercise reasonable care to avoid reporting false information. VIOLATION # 6 : 15 U.S.C. 1692e ( 10 ) DECEPTIVE MEANS Reporting this alleged debt with THREE DIFFERENT STATUSES across three credit bureaus is intentionally deceptive. This practice : Obscures the true nature of the debt Makes it impossible to determine the actual status Evades automated dispute processing systems Prevents accurate credit scoring VIOLATION # 7 : 15 U.S.C. 1692f UNFAIR OR UNCONSCIONABLE MEANS TWO INDEPENDENT BASES : UNLICENSED COLLECTION : Collecting in Georgia without a license is per se unfair under LeBlanc v. Unifund CCR Partners, 601 F.3d 1185 ( 11th Cir. 2010 ), which is binding precedent in Georgia. CONTRADICTORY REPORTING : Reporting contradictory balances and statuses for the same debt is inherently unfair and prejudicial to consumers. VIOLATION # 8 : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) DUTY TO PROVIDE ACCURATE INFORMATION As a furnisher, CREDIT COLLECTIONS must provide information that is accurate and complete. Reporting three different statuses for the same debt violates this duty. Legal Authority : Saunders v. Branch Banking & Trust Co., 526 F.3d 142 ( 4th Cir. 2008 ) Maximum possible accuracy is required. VIOLATION # 9 : 15 U.S.C. 1681s-2 ( b ) DUTY TO INVESTIGATE UPON NOTICE OF DISPUTE Upon receiving notice of my dispute, CREDIT COLLECTIONS was required to : Conduct a reasonable investigation Review all relevant information Report results to all credit bureaus Correct any inaccuracies Legal Authority : Roberts v. Carter-Young , Inc., No. 23-1911 ( 4th Cir. Mar. 14, 2025 ) The duty to investigate extends to LEGAL DISPUTES, including claims that a debt is " not mine '' or that the collector lacks standing. CREDIT COLLECTIONS conducted NO INVESTIGATION whatsoever. They simply ignored my dispute and continued reporting contradictory information across bureaus.

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