Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Dear XXXX, I am writing to file a formal complaint about the actions of XXXX XXXX XXXX and a third-party collection agency XXXX XXXX XXXX and or Credit Collection Services, regarding an account under my name. The collection agency is misrepresenting itself as the original creditor and is incorrectly reporting this debt on my credit reports, which is negatively impacting my credit score. 

My name is XXXX XXXX, and my account number with XXXX XXXX XXXX is. My concern is that XXXX XXXX sold this account to a third-party collection agency, and the agency is now claiming to be the original creditor, which is inaccurate. This misrepresentation is damaging my credit and is causing me significant distress. 

Details of the Complaint : Sale of Debt to Collection Agency : I was informed that XXXX XXXX sold my account to XXXX XXXX XXXX and or Credit Collection Services on but I was never properly notified by either the utility company or the collection agency about this transfer. 
Misrepresentation by Collection Agency : The collection agency is now claiming to be the original creditor on my debt, which is not accurate. Despite my efforts to resolve this issue, they continue to report themselves as the original creditor to credit bureaus, which is misleading and confusing. I have contacted the collection agency on, and they have refused to correct their records or provide appropriate documentation verifying the debt transfer. 
Impact on My Credit : The collection agencys misrepresentation as the original creditor is negatively affecting my credit report. I have checked my credit reports with the three major credit bureaus ( XXXX, XXXX, and XXXX ), and this inaccurate reporting is lowering my credit score. This is causing undue harm to my financial well-being. 
Failure to Provide Proof of Debt : I have requested documentation from XXXX XXXX XXXX and or Credit Collection Services and XXXX XXXX showing the transfer of this debt, but to date, I have not received any substantiating documents or evidence that the debt was properly transferred, nor have I received any clear communication about the status of my account. 
Request for Resolution : I respectfully request that the Consumer Financial Protection Bureau assist in addressing the following : Correct Misrepresentation : I ask that be directed to stop claiming to be the original creditor and to accurately report XXXX XXXX as the original creditor of this debt. 

Correct Reporting to Credit Bureaus : I request that XXXX XXXX XXXX  and or Credit Collection Services and XXXX XXXX correct any inaccurate information being reported to the credit bureaus, and that any negative marks related to this debt be removed or corrected to reflect the accurate information. 

Proof of Debt and Transfer : I request that both parties provide me with clear documentation showing that the debt was transferred and that I am legally obligated to pay the amount claimed by the collection agency. 

I have included copies of relevant documents, including the collection agencys notices, my communication logs with the agency, and my credit report showing the inaccurate entries. 

I would appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue.

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