Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AR

Complaint narrative:
I am writing to formally dispute the inaccurate credit reporting regarding the Credit Collection Serv account listed under Account : XXXX. 

Past Due Amount : {$550.00} reported as past due Disputed Issues : The reported past due amount of {$550.00} needs to be verified against my records with XXXX XXXX. Please confirm whether this amount is accurate. 

The account is marked as in collection, and I wish to dispute this status and explore resolution options. 

The payment history shows no payments recorded since XXXX. I have made payments to this account that are not reflected in the credit report. I request verification that all payments have been accurately recorded by the collection agency. 



I am filing this dispute with the Consumer Financial Protection Bureau ( CFPB ) under the Credit Reporting category, in accordance with 15 USC 1681i ( Fair Credit Reporting Act ), which mandates that all information reported to credit reporting agencies be accurate, and that they must investigate any disputes thoroughly. 



Under 15 USC 1681s-2, furnishers of information, such as Credit Collection Serv , are required to report accurate and complete information. If there are any errors in the reported amounts, payment history, or collection status, I request immediate correction and an update of my credit report to reflect the true and accurate information. 



Furthermore, under 15 USC 1681c, credit reporting entities are obligated to only report accurate and complete information, and I request that this issue be investigated and resolved in accordance with these requirements. 


XXXX XXXX XXXX account listed under Account : XXXX. 

Past Due Amount : {$380.00} reported as past due Disputed Issues : The reported past due amount of {$380.00} needs to be verified against my records for XXXX XXXX. Please confirm whether this amount is accurate. 

The account is marked as in collection, and I would like to dispute this status and explore options for settling or resolving this account. 

Ensure that any payments I made toward this account are properly reflected and recorded. The payment history needs to be accurate and complete. 



I am filing this dispute with the Consumer Financial Protection Bureau ( CFPB ) under the Credit Reporting category, in accordance with 15 USC 1681i ( Fair Credit Reporting Act ), which mandates that all information reported to credit reporting agencies be accurate, and that they must investigate any disputes thoroughly.

Under 15 USC 1681s-2, furnishers of information, such as XXXX XXXX XXXX , are required to report accurate and complete information. If there are any errors in the reported amounts, payment history, or collection status, I request immediate correction and an update of my credit report to reflect the true and accurate information. 



Additionally, under 15 USC 1681c, credit reporting entities are obligated to only report accurate and complete information, and I request that this issue be investigated and resolved in accordance with these requirements.

Thank you for your prompt attention to this matter. Should you need any additional information, feel free to contact me. I appreciate your cooperation in ensuring my credit information is accurately reported.

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