Consumer complaint received 2025-08-03 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: TX

Complaint narrative:
Subject : XXXX for XXXX XXXX XXXX XXXX XXXX Credit Coll XXXX and XXXX XXXX XXXX in Violation of Federal Law To Whom It May Concern, This is a formal federal complaint against Credit Coll, the debt collection agency furnishing derogatory information to XXXX XXXX XXXX XXXX  under account # XXXX XXXX XXXX allegedly on behalf of XXXX XXXX XXXX. 
I am demanding an immediate investigation and intervention by the CFPB due to Credit Colls violations of multiple federal laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Gramm-Leach-Bliley Act ( GLBA ), and FACTA.

Violations Committed by Credit Coll FCRA 1681e ( b ) Credit Coll failed to ensure the information furnished was complete and accurate. 


FCRA 1681s-2 ( b ) Upon notice of dispute, Credit Coll failed to investigate or provide validation.

FCRA 1681b ( a ) No proof of a valid permissible purpose to obtain, use, or report my personal credit data. 


FDCPA 1692g ( b ) Failure to send proper debt validation or cease collection while the debt is in dispute.

FDCPA 1692e ( 8 ) Reporting credit information they knew or should have known was inaccurate. 


GLBA 6801 Mishandling and unauthorized sharing of private financial data, including my Social Security number, without consent.

FACTA No written authorization exists for Credit Coll to possess or report my private information. 



Details of Noncompliance and Abuse : Credit Coll is reporting contradictory information to all three bureaus ( XXXX  says open, XXXX say closed ). 


No proof of a contract or signed agreement has ever been provided to me. 


No chain of assignment or sale from XXXX XXXX exists or has been presented. 


I never received a debt validation notice as required by 15 USC 1692g.

They have continued reporting the alleged debt while refusing to validate it, a clear violation of federal law.

This reporting has caused measurable financial harm through denial of credit and increased lending rates.

I am requesting Immediate deletion of this account from all three credit reporting agencies ( XXXX XXXX XXXX XXXX  ) while this matter is under investigation. 


Full federal investigation and enforcement action into Credit Colls use of outdated, incomplete, and unverified data. 


Written confirmation from the CFPB that Credit Coll is being held accountable, and that this tradeline is removed until validation is legally proven. 


Application of civil fines and penalties per FCRA 1681n for willful noncompliance and FDCPA violations. 



Let this serve as official notice that I reserve the right to pursue further legal action if Credit Coll continues to report this item without full legal validation, proper notice, and proof of permissible purpose. 

This is not a request, it is a federal complaint supported by hard evidence of statutory violations. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX

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