Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
CFPB, See the below information. This document will be sent via certified mail and notarized when I get off work tomorrow at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

Dear XXXX XXXX XXXX, I sent you an electronic dispute requesting that you remove inaccurate/complete items from my credit report. But I am very disappointed to discover that the disputed information still exists on my report. 
I demand a formal description of the procedure adopted by you to verify this claim. I would also like to know the names of the businesses, the addresses, and phone numbers of all the entities/people who were contacted during the verification process. Under the Fair Credit Reporting Act, I have the right to be informed about all these details. 
I request that you comply with the law and furnish me with all the required information that I am seeking, within a period of XXXX business days or remove this from this notice. Additionally, I have filed a CFPB complaint # PENDING that will be associated with this notice as well, Then I will be following up with FTC to submit a complaint against XXXX ; XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX and The CCS  Companies ( Data Furnisher ). 
I have also filed a XXXX  complaint with The CCS Companies and will proceed with reporting fraud to the FTC for false and inaccurate reporting. I do not have an agreement or contact with The CCS Companies and per 15 U.S. Code 6802, 18 U.S. Code 1028, 15 U.S. Code 1681 q, 15 U.S. Code 1681b, 15 U.S. Code 1681e, 15 U.S. Code 1681v and 15 U.S. Code 1681n. I am excited to receive the fully detailed processed which XXXX utilized to furnish this information or I will assume willful noncompliance from XXXX XXXX XXXX XXXX to provide substantial information per XXXX. I will at this point go into EXTREME details to quantify this, and it will include : full detailed audit of website usability, user options per the law for disputes, accessibility based on up/down time and packet loss, mal-intended website both mobile XXXX, XXXX designed for confusion, lack of support from employees and associated managers with supporting recorded evidence. It is criminal liability for willful and knowing violation. Speaking of, my account has been confirmed breached after the XXXX XXXX XXXX of federal regulation in XXXX for misuse of customer information and XXXX from a ransom. I have not filed for civil restitution for that data breach to allow the consumer reporting agencies to address my concerns. I have accepted multiple loans to grow my business and I am realizing the damages from the illegal data furnishing happening right in front of my eyes which is still within statute accrued from high interest vehicle loans and access to affordable credit. XXXX defines this as a form of identity theft unless there is a specific contact with my written consent. Considering XXXX XXXX XXXX has already had the FTC and the CFPB exuberate my points listed here you continue you fail to identify mistakes that are clear. 
So finally, I am submitting my request to expedite the verification procedure and look forward to hearing from you. I will be attaching this document to the CFPB case file and sending them a certified copy also. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX # # # # # # Reporting Agency : The CCS Companies Dispute Confirmation Number : UNAVAILABLE due to website capability.

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