Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, DC XXXX Subject XXXX Request for Investigation of Inaccurate Credit Reporting Dear Sir/Madam, I am writing to formally request your assistance with a matter concerning inaccuracies in my credit reports. Specifically the collection accounts reporting as late/ open or missed payments. I have also discovered that there are many incorrect inquiries reported across all three major credit bureausEquifax, XXXX, and XXXXthat I did not authorize or request. Please delete these accounts from my credit report due to many errors and inaccuracies. 
According to the Fair Credit Reporting Act ( FCRA ) Section 1681 n and 15 U. S. Code 1692 c, I am entitled to have these inaccuracies investigated and corrected. This is an FCRA violation and the status is below XXXX reported inaccurate by the debt collectors. These accounts are negativity impacting my credit score and does not represent my true creditworthiness. Despite my attempts to resolve this issue directly with the credit bureaus, the inaccuracies remain unaddressed. The inquiries arent accurate listed 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 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 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 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 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 CREDIT COLLECTION SERVICES- XXXX XXXX XXXX XXXX  closed please remove. 

For your reference, I have attached copies of my credit reports. There are only XXXX legal authorizations that I legally gave to access and report to my credit listed below. As well as any relevant correspondence with the credit bureaus. However these accounts listed below with a GREEN check mark next to inquiry from my credit report that were legally authorized on my legal behalf are : XXXX. XXXX XXXX # XXXX - Reported XX/XX/XXXX. Which is paid in full/ closed. Shouldnt be on my credit. Please remove. But this account is accurate. 
XXXX XXXX- Reported XX/XX/XXXX. This account is accurate. 
XXXX. XXXX XXXX  Reported XX/XX/XXXX XXXX. XXXX XXXX Reported XX/XX/XXXX kindly request that the Consumer Financial Protection Bureau investigate these matters and facilitate their removal from my credit reports. 
Thank you for your attention to this matter. Please inform me of any additional information or documentation required to assist with this investigation. 

Sincerely, XXXX XXXX XXXX

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