Consumer complaint received 2025-11-26 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: TX

Complaint narrative:
I am filing this complaint because an account from CREDIT COLL, specifically the account listed as XXXX, is being inaccurately reported on my credit file. I want to state clearly, directly, and without any uncertainty that I DO NOT own this account, I never opened this account, and I never authorized any transaction connected to this alleged debt. This account is not mine, and its reporting is entirely false, harmful, and in violation of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 

The CREDIT COLL account is showing as a collection/charge-off with a past-due balance of {$1000.00}. I have never received any bill, notice, statement, or communication relating to this alleged account, nor do I recognize the original creditor, the balance amount, the alleged dates of delinquency, or any detail associated with this reporting. 

Because this account is not mine, its presence on my credit report is both inaccurate and unlawful. The steps taken by the credit bureaus and the furnisher during my previous disputes did not result in proper verification or documentation. As a result, I am requesting the assistance of the Consumer Financial Protection Bureau to ensure compliance with federal law and to correct this serious inaccuracy. 

Below is a full explanation of what happened, the harm caused, and why I am requesting your intervention. 

1. The CREDIT COLL Account XXXX Is Not Mine At no time have I : opened an account with the original creditor tied to this collection authorized any third party to open an account in my name signed any agreement or contract for the alleged debt received any services or products from the supposed creditor received bills or collection notices acknowledged or validated the debt had communication with CREDIT COLL or any related party This account is completely unfamiliar to me. I have no relationshippast or presentwith CREDIT COLL or the original creditor they claim to represent. 

This means the account is : Inaccurate Unverified Unsubstantiated Not mine Reporting in error Causing major financial harm Under the FCRA, only accurate and verifiable information can be reported. This account fails both requirements. 

2. How This Likely Happened Identity Theft, File Mixing, or Furnisher Error Because I do not own this account, its presence on my credit file is likely the result of one or more of the following : A. Identity Theft Someone may have used my personal information without my knowledge or consent. CREDIT COLL has never provided any proof that identity verification took place at any stage of account origination.

B. Mixed or Merged Credit Files Credit bureaus sometimes combine the files of consumers with similar names, birth years, or former addresses. This can cause accounts belonging to other individuals to appear incorrectly on my file. 

C. Furnisher Error The original creditor or collection agency may have incorrectly reported this account under my identity due to : incorrect data entry outdated or unverified consumer information system synchronization errors incomplete or inaccurate account metadata D. Third-Party Data Transmission Errors If the account was sold, assigned, or transferred, errors could have occurred during data handoff between : the original creditor a collection agency data aggregators credit bureau intake systems Regardless of the reason, one fact is absolutely clear : This CREDIT COLL account is not mine and should never have been reported under my identity. 

3. I Disputed the Account, but No Documentation Was Provided After discovering the CREDIT COLL XXXX account on my credit report, I filed disputes with every credit bureau where the account appeared. In my disputes, I clearly stated : I do not own this account I have no knowledge of this debt I never authorized it It does not belong to me I request full validation and verification I request all documentation associated with the account However, instead of receiving proof or documentation, I only received generic responses from the credit bureaus stating : The account was verified as accurate. 

This statement was made without providing a single piece of evidence. 

No documentation was provided by CREDIT COLL or the credit bureaus supporting : my ownership the debts validity a signed contract an application proof of identity proof of service any consumer authorization Nothing was providedbecause no such documentation exists.

This is a clear violation of : FCRA 611 failure to conduct a reasonable reinvestigation FCRA 611 ( a ) ( 6 ) failure to provide Method of Verification FCRA 623 ( a ) ( 1 ) ( A ) duty to report accurate information FCRA 623 ( b ) duty to investigate disputed information The furnisher and the CRAs failed to meet their legal obligations. 

4. CREDIT COLL Failed to Validate This Alleged Debt For a furnisher like CREDIT COLL to lawfully report a debt, they must be able to produce : the original creditor name the original application or account agreement a signed contract ( if applicable ) detailed billing statements identity verification documentation itemization of charges chain of assignment records original account opening details consumer contact records fraud detection logs validation documentation under FDCPA 809 CREDIT COLL has produced none of these.

They have provided no evidence whatsoever to support their claim that I owe this alleged debt.

Because they can not validate the account, they can not legally report the account.

5. The Credit Bureaus Used e-Oscar Automated Verification Instead of True Investigation When I disputed the account, the credit bureaus likely forwarded the dispute through XXXX a computerized system that often reduces disputes to a two-digit code and sends a simplified electronic form to the furnisher. 

This means : no human reviewed my dispute no documentation was provided no contract was reviewed no identity verification was performed the dispute did not receive a lawful reinvestigation Automated verification is not a substitute for a real, meaningful investigation as required under the FCRA.

If CREDIT COLL simply clicked a button saying verified, the credit bureaus treated that as confirmation, even though it provides zero actual evidence.

6. This Inaccurate Account Is Causing Serious and Ongoing Harm Because CREDIT COLL account XXXX is reported as derogatory, it is harming multiple aspects of my financial life : Lowering my credit score Increasing my interest rates Damaging my creditworthiness Affecting approval chances for credit Impacting housing opportunities Influencing rental decisions Increasing insurance premiums Limiting employment opportunities that require background checks All of this harm is occurring because of an account I do not own. 

This is the exact type of damage the Fair Credit Reporting Act was created to prevent. 

7. CREDIT COLL Does Not Have Legal Standing to Report This Account To furnish information to credit bureaus, an entity must have : A valid consumer account Evidence of account ownership Proper identity verification records Legal authority to report Accurate and complete documentation CREDIT COLL has provided none of the above. 

Without validation, they lack the legal standing to furnish this data. 

Their reporting is therefore : improper negligent harmful misleading unlawful 8. No Chain of Custody or Assignment Documentation Exists If CREDIT COLL is not the original creditor, they must provide documentation showing : chain of title purchase agreements bill of sale assignment records transfer documentation electronic transmission logs Because this account is not mine, CREDIT COLL has been unable to provide any of these documents. 

Without chain of assignment, the alleged account is not legally enforceable or reportable. 

9. The FCRA Requires Deletion of Unverified or Inaccurate Information Federal law requires that any information that : can not be verified is inaccurate is incomplete belongs to someone else is the result of identity theft is the result of file mixing can not be substantiated must be removed. 

CREDIT COLL XXXX meets all of these conditions. 

Thus, under FCRA 611 and 623, the account must be deleted.

10. Why CFPB Assistance Is Needed CREDIT COLL has not validated the account.

The credit bureaus have not properly investigated the dispute.

No documentation has been provided. 
The account remains falsely reported. 
The situation is causing ongoing damage. 

Only CFPB oversight can compel : lawful investigation documentation validation removal of inaccurate information restoration of consumer rights This is why I am requesting the CFPBs intervention. 

11. Summary of What Happened To summarize : A CREDIT COLL account XXXX appeared on my credit report. 

I do not own this account. 

I never opened this account. 

I never authorized this account. 

I never received bills or notices for this debt. 

I disputed it with all bureaus. 

No documentation was provided in response. 

The bureaus used automated verification instead of a proper reinvestigation. 

CREDIT COLL failed to validate or prove ownership. 

The account is inaccurate and unverified. 

The account is harming my credit and financial opportunities. 

This violates federal law. 

I am requesting CFPB intervention to correct this serious inaccuracy. 

This account does not belong to me and should not appear on my credit report. 

Conclusion The CREDIT COLL account XXXX is inaccurate, unverified, and not connected to me in any way. No documentation has been produced to justify its reporting. It remains on my credit file despite disputes, causing ongoing harm. 

I am requesting that the CFPB ensure : a full reinvestigation production of all validation documents correction of all errors permanent deletion of the account compliance with FCRA and FDCPA restoration of my accurate credit profile This is what happened, and this is why I am filing this complaint.

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