Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am submitting this complaint because several accounts on my XXXX  credit report are being inaccurately reported. The accounts listed under XXXX XXXX XXXX XXXX, Credit Collection Services, and XXXX XXXX XXXX contain false, misleading, and/or unverifiable information. 

XXXX. XXXX XXXX XXXX XXXX - {$1100.00}. This company is inaccurately reporting a collection account for {$1100.00} on my credit report. I have never received proper validation or documentation of this alleged debt, and the company has not provided proof that they have the legal right to collect or report this account. The balance, payment history, and dates being reported are inconsistent and do not match any records of mine. I am requesting that the Consumer Financial Protection Bureau assist in investigating this matter and require XXXX XXXX XXXX XXXX to provide complete validation of the account, including a signed contract and chain of assignment. If they can not verify this debt with accurate documentation, I request that it be deleted from my credit report immediately, and all negative reporting be removed. 

XXXX CREDIT COLLECTION SERV- {$1100.00}. I am submitting this complaint because Credit Collection Services is reporting a collection account for {$1100.00} on my credit report. I have not received any verification or written notice that validates this alleged debt. The company has failed to provide proof of ownership, assignment, or a signed agreement to confirm that this account is legitimate. The reporting contains errors in the balance, dates, and payment status that do not accurately reflect my credit history. I am requesting that the Consumer Financial Protection Bureau investigate this matter and compel Credit Collection Services to produce complete validation. If the account can not be verified with proper documentation, I request its immediate deletion and the removal of all related negative information from my credit report. 

XXXX. XXXX XXXX XXXX {$21000.00} I am filing this complaint because XXXX XXXX XXXX is reporting inaccurate information about an auto loan with a charged-off balance of {$21000.00} on my credit report. The account shows a repossession and charge-off status that does not align with the actual terms or history of the loan. I have requested validation and a full accounting of this alleged balance, but the company has failed to provide clear documentation or records verifying the accuracy of the reporting. The payment history and amount listed are inconsistent with my records and appear to be incorrectly reported. I am requesting that the Consumer Financial Protection Bureau investigate this account and require XXXX XXXX XXXX to validate the debt in full. If they can not provide complete and accurate proof, I ask that this account be deleted from my credit report and all negative information removed.

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