Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am filing this complaint against Credit Collection Services ( CCS ) for inaccurate, unverifiable, and misleading reporting on my credit reports with XXXX, XXXX, and XXXX in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

I initially disputed this account with all three credit bureaus in XX/XX/XXXX, and they responded stating that CCS verified the account as accurate without providing the Method of Verification ( MOV ) or legally required validation of the debt. This is my first direct dispute with CCS, and I am demanding immediate and full validation of this debt before any further collection or reporting activity. 

Violations & Discrepancies : Failure to Provide Legally Required Debt Validation ( FDCPA 1692g & FCRA 609 ( a ) ( 1 ) ) CCS has not provided sufficient validation proving that this debt is legally owed. Under FDCPA 1692g, debt collectors must provide validation upon request, including : The name and address of both the original and current creditor.

Verification of the exact amount being collected, including a signed contract. 
A breakdown of all fees, interest, and charges added. 
Proof that CCS has legal authority to collect this debt.

Inconsistent Reporting Across Credit Bureaus ( FCRA 607 ( b ), 623 ( a ) ( 5 ) ) XXXX  lists a full payment history, while XXXX and XXXX do not report any history. 
XXXX : Reports Last Activity as XX/XX/XXXX and account as XXXX. 
XXXX : Reports Last Activity as XX/XX/XXXX and account as XXXX. 
XXXX : Reports Last Activity as XX/XX/XXXX and account as Closed. 
These conflicting dates, statuses, and missing payment histories make the account inaccurate and unverifiable, which contradicts and invalidates the credit bureaus ' claims that the account was verified as accurate. 
Failure to Mark Debt as Disputed ( FCRA 623 ( a ) ( 3 ) ) After my disputes with the credit bureaus, CCS failed to mark this account as disputed.

Debt collectors are required to notify the credit bureaus that the debt is disputedfailure to do so is a violation of the FCRA and FDCPA.

Securitization & Chain of Ownership Issues ( FCRA 609, FDCPA 807 ( 2 ) ( A ) ) CCS has not provided proof of legal ownership or assignment of this debt.

Under FCRA 609, I am entitled to a full chain of assignment from the original creditor to CCS, including : Documentation of all assignments showing transfer of the debt.

Proof that the original creditor securitized the debt.

Evidence that the debt was legally transferred back for collection.

Without this, CCS has no legal standing to collect or report this debt.

Furnishing Misleading & Incomplete Information ( FDCPA 807 ( 10 ) ) XXXX  lists a complete payment history, but XXXX and XXXX do not report any history. 
The account is listed as both " Open '' and " Closed '' across different bureaus. 
If CCS can not ensure complete and consistent information, this account must be removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief