Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, and XXXXXXXX XXXX XXXX XXXX , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account at CREDIT CONTROL SERVICE opened on XXXX XXXX under the account number XXXX, This accounts have resulted in several fraudulent hard inquiries, collections, and charge offs also late payments appearing on my consumer FICO credit report. I do not recognize the aforementioned account collection, hard inquiry nor charge off as reported on my credit report, the aforementioned account, collection,, charge off and hard inquiry appearing on my customer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account, collection, charge offs and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ID THEFT REPORT number here XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, charge-offs and hard inquiries are the result of identity theft and fraud, Also accordance to 15 USC. 1666 B and 15 USC. 6801 ( a ) ( b ) accounts that belong to me and not to me I have received late payments on my credit reports without mail being delivered to my address or email informing me that my account is past due or late, I also didnt give the reporting agency permission to furnish my accounts Im asking for these late payments be removed within 4 days or immediately. This is a form of communication by reporting to my credit report I ask that all communication stop, I also filed a police report and contacted the creditors and they asked for me to reach out to the reporting agency to immediately delete these fraudulent accounts.

In accordance to 15 USC. 6801 ( a ) ( b ) my personal information has not been protected, Ive received threats that my personal information, social security number will be used fraudulently, and have been used fraudulently I have not been protected by anticipated threats nor have Ive been protected against unauthorized accounts/access on my credit reports by XXXX, XXXX nor XXXX. 


15 USC. 1681 ( e ) ( b ), 15 USC. 1681i 5, 15 USC 1681, FCRA 605B ( 15 U.S.C. 1681c-2 ), 15 USC 6801 ( a ) ( b ) 15 USC. 1666 B In accordance with the Fair Credit Reporting act. The List of accounts stated below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC. 1681. and also violated all these laws 15 USC . 1681 ( e ) ( b ), 15 USC. 1681i 5, 15 USC 1681, FCRA 605B ( 15 U.S.C. 1681c-2 ), 15 USC 6801 ( a ) ( b ) 15 USC. 1666 B CREDIT CONTROL SERVICE opened on XXXX XXXX under the account number XXXX, I noticed on my credit report, some things are incomplete and not accurate and this account was not opened by me. Also according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC. 1681 ( e ) ( b ).

Als accordance to 15 USC. 1666 B and 15 USC. 6801 ( a ) ( b ) accounts that belong to me and not to me I have received late payments on my credit reports without mail being delivered to my address or email informing me that my account is past due or late, I also didnt give the reporting agency permission to furnish my accounts Im asking for these late payments be removed within 4 days or immediately. In accordance to 15 USC. 6801 ( a ) ( b ) my personal information has not been protected, Ive received threats that my personal information, social security number will be used fraudulently, and have been used fraudulently I have not been protected by anticipated threats nor have Ive been protected against unauthorized accounts/access on my credit reports by XXXX, XXXX nor XXXX.

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