Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
AFFIDAVIT OF TRUTH Regarding Inaccurate, Unverified, and Unauthorized Collection Account State of South Carolina Credit Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX following statements are true and correct to the best of my personal knowledge : reside at XXXXXXXX XXXX XXXX XXXX XXXXXXXX, South Carolina XXXX XXXX. I am the consumer identified on the credit reports issued in my name and the XXXX in this matter. 2. This Affidavit is made based upon my personal knowledge and my review of my consumer credit reports. 3. A collection account is being reported on my consumer credit file by Credit Collection under account number XXXX XXXX. I affirm that I did not authorize, consent to, or knowingly enter into any contractual agreement with the above-named entity that would permit the reporting, furnishing, or dissemination of my personal consumer information. 5. The reporting party has failed to provide competent evidence of a lawful claim, including but not limited to : The original signed contract or purchase agreement bearing my signature Proof of assignment and change of ownership, including the complete chain of title A bill of sale identifying this specific account A complete accounting history showing how the alleged balance was calculated Proof of lawful authority to collect and report this account 6. Any alleged transfer or sale of this account has not been substantiated with admissible documentation establishing ownership, standing, or the right to report. 7. The furnishing and disclosure of my nonpublic personal information without my written consent is a violation of the Gramm-Leach-Bliley Act, including but not limited to : 15 U.S.C. 6802 ( b ), which restricts disclosure of nonpublic personal information to nonaffiliated third parties without proper notice, consent, and lawful exception. 8. The continued reporting of this account constitutes inaccurate, incomplete, and misleading information in violation of the Fair Credit Reporting Act, including but not limited to : 15 U.S.C. 1681 ( a ) ( 1 ) Requirement of maximum possible accuracy 15 U.S.C. 1681b Permissible purpose 15 U.S.C. 1681c2 Block of information resulting from identity theft ( if applicable ) 15 U.S.C. 1681s-2 ( a ) & ( b ) Duties of furnishers to investigate and report accurately 9. Despite proper notice and opportunity to cure, the reporting party has failed to provide verification or correct the inaccuracies as required by federal law. 10. I declare that the continued reporting of this collection account has caused financial harm, credit damage, emotional distress, and loss of credit opportunities. 11. This Affidavit serves as a formal sworn statement of truth and demand for the immediate deletion of the above-referenced collection account from all consumer reporting agencies. 12. Any party who continues to report or disseminate this account without lawful verification and authority after receipt of this Affidavit does so willfully and negligently, subjecting themselves to civil liability under federal law. I declare under penalty of perjury that the foregoing is tru

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