Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I have disputed with XXXX XXXX XXXX XXXX and all came back verified. I have asked for proof and none has been provided. I also mail a letter to the address listed for the collection to ask for this to be removed because it was paid before the got it. I received the letter back unable to forwarded. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Dispute of Inaccurate Credit Reporting Under FCRA & FDCPA Re : Credit Collections | Original Creditor : XXXX XXXX XXXX XXXX  | Individual Account I am writing to formally dispute the reporting of an account listed on my credit report under the name CREDIT COLLECTIONS with the original creditor being XXXX XXXX XXXX XXXX The following details appear on my credit report : Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  : Utilities Original Amount Owed : {$130.00} Balance Owed : {$0.00} Date of Last Payment : XX/XX/XXXX Status Date : XX/XX/XXXX Date Assigned : XX/XX/XXXX Date Reported : XX/XX/XXXX Account Status : Paid Account Owner : Individual Account Agency : Credit Collections Agency Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Agency Phone : XXXX There is no valid account number provided with this entry, and I was unable to reach the collection agency at the contact number listed to verify or resolve this matter prior to its appearance on my credit report. Additionally, this debt was paid in full on XX/XX/XXXX, well before the report date of XX/XX/XXXX, and should not have been listed as a collection entry to begin with. 



Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. I am requesting that this item be deleted from my credit report immediately, as it violates : FCRA 1681s-2 ( a ) ( XXXX ) ( A ) : Furnishers of information must not report information that they know or have reasonable cause to believe is inaccurate. 

FCRA 1681s-2 ( a ) ( 1 ) ( B ) : If an account is paid and resolved before it was reported, the information must be accurate and complete.

FCRA 1681i : Upon notice of a dispute, the credit bureau must investigate and correct or delete inaccurate or unverifiable information. 



Furthermore, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) provides me the right to dispute the validity of a debt and request verification. However, due to the lack of accessible communication with Credit Collections, I was denied this opportunity. 



I respectfully request the deletion of this paid collection account from my credit report, given the debt was satisfied prior to reporting, no valid account number is provided, and I was not given a fair opportunity to validate or contest the entry before it negatively impacted my credit. 



Please conduct an investigation and notify me of the outcome within 30 days as required under the FCRA. If this item can not be verified, it must be deleted from my credit file. 



Sincerely, XXXX XXXX

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