Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
Subject : URGENT : 4-Day Identity Theft Block Request, Debt Validation Demand, and Obsolete Information Removal To Whom It May Concern, I am writing to formally dispute several closed, charged-off, and written-off accounts on my credit report that resulted from identity theft and corporate data breaches. My accounts were taken over and by hackers and data breach open these account, incur these debts, or authorize anyone else to do so which crashed my accounts and credit. Blocking me access to any accounts or services along I have submitted proof of ransomware and data breach.Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, a credit bureau must block the reporting of identity theft information within 4 business days of receiving an identity theft report and the appropriate documentation. I have enclosed my official Identity Theft Report and proof of identity to trigger this mandatory requirement.Please immediately block and temporarily remove the following fraudulent accounts and information while this investigation is pending : Creditor Name : CREDIT COLLECTION SERVICE | Account Number : XXXX Applicable Federal Laws Regarding Closed, Charged-Off, and Breach-Related Accounts : Reporting Lifespan of Charged-Off Accounts : Under 15 U.S.C. 1681c ( a ) ( 4 ), consumer reporting agencies are strictly prohibited from making a consumer report containing accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. Because these accounts stem from unvalidated identity theft and third-party data breaches, any attempt to permanently anchor or report these obsolete charge-offs on my credit profile directly violates federal law.Data Breach Liability : Under the Gramm-Leach-Bliley Act ( GLBA ) Safeguards Rule ( 16 CFR Part 314 ) and state-specific data breach notification laws, financial institutions failed to safeguard my Personally Identifiable Information ( PII ). This negligence allowed identity thieves to open and exploit these accounts. I can not be held liable for debts stemming from a compromised security infrastructure.Closed, Charged-Off, and Written-Off Accounts : Under the FCRA 15 U.S.C. 1681s-2, data furnishers are strictly prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Charging off or writing off a debt does not validate its accuracy. If an account was opened fraudulently, reporting it as a " charge-off '' or " written-off '' status perpetuates a severe financial injury based on a legal nullity.Identity Theft Furnisher Obligations : Pursuant to FCRA 15 U.S.C. 1681s-2 ( a ) ( 6 ), once a consumer provides an identity theft report to a furnisher, that furnisher is legally blocked from continuing to report the fraudulent information to any credit bureau.These items must remain blocked and removed from my credit profile until full verification is achieved. To legally validate these items and unblock them, you must provide verifiable proof of liability, including : Original Contract of Debt : The initial signed agreement showing I authorized the account.True Bill : Itemized billing statements showing the origin of the alleged balance.Transfer Assignment Agreement : Legal documentation proving the chain of title and transfer of ownership.Flow Agreement : Documentation governing the sale and transfer of the data between entities.If these items can not be fully validated with the documentation requested above within the statutory timeframe, the temporary blocks must be made permanent, and the accounts must be deleted from my file forever.

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