Consumer complaint received 2025-07-03 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nWe are pleased to let you know that the results of the dispute you recently filed with XXXX  are\ncomplete. Here are a few things to know about the process:\nWere changes made to my credit report and what actions were taken?\nPlease see the following page(s) for more detailed information on your specific results.\nIf we were able to make changes to your credit report based on the information you provided, we have\ndone so. Otherwise, we contacted the company reporting the information to XXXX  for them to\ninvestigate your dispute.\nIn this situation:\nWe request that the reporting company verify the accuracy of the information you disputed; l\nWe provide them with any relevant information and supporting documentation you provided us l\nwith the dispute to consider as part of the investigation; and\nWe request that they send XXXX  a response to your dispute and update their records and l\nsystems, as necessary.\nIf your dispute involves a public record item, XXXX  contacts a third party vendor to obtain the most\nrecent status of the public record.\nHow do I know that all of this is happening?\nWhen the reporting company replies to us, they certify that they have followed XXXX\'s instructions and the law; considered all information and documentation\nprovided; and updated your information, as necessary.\nWhat should I do if I do not agree with the results of the investigation?\nYou have a few options:\nYou may add a statement of up to 100 words to your credit report. If you provide a consumer statement that contains medical information related to l\nPage XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nservices provided or medical procedures, then you expressly consent to including this information in every credit report we issue about you.\nYou may contact the company that reports the information to us and dispute it directly with them. If you would like written proof about your accounts l\n(such as the original agreement), please contact your creditors directly.\nYou may provide us additional information or documents (such as an identity theft report or a letter from the reporting company) about your dispute l\nto help us resolve it by visiting our website XXXXs. You may also mail your documents to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnYou may contact the Consumer Financial Protection Bureau or your State Attorney General\'s office about your issue or complaint against XXXX  or l\nthe company reporting the informationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nWhat else should I know?\nIf there has been a change to your credit report based on your dispute, or if you add a consumer statement, you may request that XXXX  send an updated\nreport to companies who received your credit report within the last two years for employment purposes, or within the last six months for any other purpose\n(the past 12 months for residents of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX residents).\nAlso, if you are interested, you may request a description of how the reinvestigation was conducted along with the business name, address and telephone\nnumber (if reasonably available) of the furnisher of your disputed information.\nFor frequently asked questions about your credit report and the dispute process, please visit XXXX  at XXXX.\nAs always, we thank you for contacting XXXX  and the results of your dispute are on the pages following this letter.\nHow should I read my dispute results?\nTo better assist you with understanding the results of your dispute, please review the information below:\nIf an item states l "Deleted", we have removed it from your credit report and taken steps so it does not reappear.\nIf an item states l "Verified as Reported", the reporting company has certifed it is reporting accurately.\nIf an item states l "Updated", we have updated one or more fields on the item based on information received from the reporting company.\nUpdated disputed account information only: The information you disputed has been updated.\nUpdated disputed account information. Additional account information was also updated: The information you disputed has been updated as well as\nother information on this item.\nDisputed information accurate. Updated account information unrelated to the dispute: The information you disputed has been verified as accurate,\nhowever, information unrelated to your dispute has been updated.\nConsumer\'s dispute not specific. Consumer Information verified. Account information updated: Information on your report has been updated.\nThe Results Of Our Reinvestigation\nCollection Agency Information (This section includes accounts that have been placed for collection with a collection agency.)\n>>> The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. XXXX XXXX XXXX The results are: WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED. ADDITIONAL INFORMATION HAS BEEN\nPROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED: *ADDITIONAL INFORMATION *CLIENT\nNAME *BALANCE DATE *STATUS DATE. If you have additional questions about this item please contact: CCS COLLEC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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