Consumer complaint received 2024-11-05 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: CA

Complaint narrative:
Subject : Dispute of Unauthorized Access and Disclosure of Personal Information Dear Authorities, I am writing to dispute the inclusion of a collection account from XXXX XXXX on my credit report, as I believe my personal information was obtained without my consent and in violation of applicable laws. I demand an investigation into this unauthorized access and disclosure of my personal data.

Account Information : Account NumberXXXX Creditor 's Name : XXXX XXXX Service Address : XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Phone : XXXX License Number : Reported Balance : {$700.00} Date Open : XX/XX/XXXX Date Reported : XX/XX/XXXX Dispute Reason : It has come to my attention that XXXX XXXX XXXX accessed and used my personal information without my authorization, potentially violating the following laws and regulations : Relevant Statutes and Legal Basis for Dispute 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681b - Under this section, consumer reporting agencies and other entities can only access a consumer 's credit report or personal information for permissible purposes and with legally valid authorization. I did not authorize XXXX XXXX XXXX to access my information, nor did I have any prior relationship with them that would validate such access under the FCRA.

2. Gramm-Leach-Bliley Act ( GLBA ) - 15 U.S.C. 6801-6809 - This act requires companies to protect the privacy of consumer information and prohibits the unauthorized sharing of this information with third parties. I believe that my information may have been improperly disclosed to XXXX XXXX XXXX in violation of GLBA protections.

3. State Privacy Laws- Depending on your state, privacy laws may impose additional restrictions on how companies can access and use personal information. If you are in a state with strong consumer protection or privacy statutes ( e.g., California 's Consumer Privacy Act ), this is also relevant to your complaint.

4. Penalties for Unauthorized Access - Violations of the FCRA and GLBA, as well as certain state privacy laws, can result in criminal and civil penalties. Unauthorized access and disclosure of my information without proper authorization may subject the disclosing entity and XXXX XXXX XXXX to these penalties. 

Request for Action and Criminal Charges : I formally request that : - XXXX XXXX XXXX be investigated for unauthorized access and use of my information.

- Criminal charges be pursued, if applicable, against the party that improperly shared my information with XXXX XXXX XXXX XXXX XXXX XXXX XXXX itself for accessing my information without my explicit authorization.

Please consider this letter as a formal dispute and request for removal of the XXXX XXXX XXXX account from my credit report. Additionally, I expect to be informed of the steps being taken to investigate and correct this serious violation.

Thank you for your prompt attention to this matter. Please provide written confirmation of receipt of this dispute, and a timeline for your response and investigation into this incident. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

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