Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
To Whom It May Concern : I am filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX I recently discovered that they placed a debt on my credit report, but I have never heard of this company and have never had any direct dealings with them. 

Key Issues : XXXX XXXX XXXX is reporting a collection account to the credit bureaus without my knowledge or consent. 

I have never received any notice, communication, or debt validation from this company. 

I can not confirm whether this debt belongs to me, and they have not provided any proof that they legally own or were assigned this alleged account.

Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), debt collectors must provide the name of the original creditor and full validation upon request.

Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ), furnishers must ensure that information they report is accurate and verifiable. XXXX XXXX XXXX has failed to do so. 

Requested Resolution : Require XXXX XXXX XXXX to provide full validation of this alleged debt, including the original creditors name, complete account records, and proof of assignment. 

If they can not validate, require immediate removal of this tradeline from all consumer credit reporting agencies ( XXXX, XXXX, and XXXX  ). 

Prohibit XXXX XXXX XXXX from continuing to report or collect on this alleged account without proper validation. 

Investigate their practices for compliance with federal law. 

This alleged account is harming my credit and preventing me from rebuilding financially. Since I have never heard of XXXX XXXX XXXX, I respectfully request immediate CFPB intervention. 

Submit this through consumerfinance.gov/complaint. The CFPB will forward it to XXXX XXXX XXXX, and they must respond in writing within 15 days. 

Do you want me to also make you a short quick-hit version ( just 34 sentences ) for the CFPB form XXXX box so you dont have to paste the long one? That way youll have both ready. 

You said : CREDIT COLLECTION SERV make one for them XXXX said : Heres a CFPB complaint draft for Credit Collection Services ( CCS ) in the same style as the others : CFPB Complaint Draft Credit Collection Services Subject : Unverified Debt Reporting by Credit Collection Services No Prior Knowledge of This Company To Whom It May Concern : I am filing a complaint against Credit Collection Services ( CCS ). I recently discovered that they placed a debt on my credit report, but I have never heard of this company and have never had any direct dealings with them.

Key Issues : Credit Collection Services is reporting a collection account on my credit report without my knowledge or consent. 

I have never received any notice, communication, or debt validation from CCS.

I can not confirm whether this debt is even mine, and CCS has not provided any proof of assignment or ownership.

Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), collectors are required to provide the name of the original creditor and validation of the debt upon request.

Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ), furnishers must ensure that all information reported to credit bureaus is accurate, complete, and verifiable. 
Requested Resolution : Require Credit Collection Services to provide full validation of this alleged debt, including the name of the original creditor, supporting account records, and proof of legal assignment.

If CCS can not validate the debt, require the immediate deletion of this tradeline from all credit reporting agencies ( XXXX, XXXX, and XXXX  ). 

Prohibit CCS from reporting or attempting to collect on this account unless proper validation is provided. 

Investigate their reporting and collection practices for compliance with federal consumer protection laws. 

This account is damaging my credit and financial stability. Since I have never heard of Credit Collection Services and can not confirm this debt is legitimate, I respectfully request immediate CFPB intervention.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation