Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am submitting this formal complaint regarding a fraudulent account that appears on my credit report as a direct result of identity theft. Despite filing an Identity Theft Report with the Federal Trade Commission and notifying the furnisher and credit reporting agencies, the account has not been properly blocked or removed as required by federal law. 
The fraudulent account details are as follows : Creditor/Furnisher : XXXX XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$240.00} Credit Bureau XXXX XXXX ) Reporting : [ XXXX  / XXXX  XXXX XXXX  XXXX This account was not opened, authorized, or used by me. I have enclosed my FTC Identity Theft Report and supporting documentation. 
Under the Fair Credit Reporting Act ( FCRA ), Section XXXX ( XXXX U.S.C. XXXX ), once a consumer submits a valid Identity Theft Report, consumer reporting agencies and furnishers are required to block reporting of information that resulted from identity theft and XXXX not re-report that information unless strict statutory conditions are met. Those conditions have not been satisfied here. 
Despite having actual notice of identity theft, the furnisher and/or credit reporting agencies failed to comply with their statutory duties, constituting willful and negligent violations of the FCRA. 
Courts have consistently held that furnishers and credit reporting agencies must conduct reasonable investigations and promptly correct or remove identity-theft accounts : XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Furnishers violate the FCRA when they fail to reasonably investigate disputes involving identity theft. 
XXXX v. XXXX XXXX Bank, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) A furnishers investigation must be reasonable, not merely superficial. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Credit reporting agencies must conduct a meaningful investigation when a consumer disputes fraudulent accounts. 
Additionally, the Federal Trade Commissions Identity Theft Survey Report documents the significant financial and credit harm suffered by victims when fraudulent accounts are not promptly removed, underscoring the importance of strict compliance with FCRA XXXX. 
I am requesting that the CFPB : Investigate the furnishers and credit reporting agencies failure to comply with FCRA XXXX. 
Require immediate blocking and permanent deletion of the fraudulent account. 
Require written confirmation that the account will not be re-reported or sold. 
Ensure cessation of all collection activity related to this fraudulent account. 
Take any appropriate enforcement or supervisory action for willful noncompliance. 
This failure to block and remove known fraudulent information has caused ongoing harm to my credit profile, emotional distress, and financial hardship. 
Thank you for your attention to this matter. I respectfully request CFPB assistance in enforcing my rights under federal law.

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