Consumer complaint received 2025-11-18 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: NV

Complaint narrative:
My name is XXXX XXXX, and I am a confirmed victim of identity theft as documented in my official FTC Identity Theft Report ( # XXXX ) A fraudulent collection account from Credit Collection Services ( Account No. XXXX ) was added to my credit file without my knowledge, permission, authorization, or benefit. I did not incur this debt, nor do I have any relationship with the company or any associated service provider. This fraudulent item has caused severe financial and emotional harm including increased expenses, higher interest rates, credit denials, and emotional distress. 

Additionally, my personal information was used to create fraudulent activity involving XXXX XXXX, totaling {$190.00}, further demonstrating the identity theft. 
My credit file also reflects multiple unauthorized inquiries, including : XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> I did not apply for any credit or authorize any lender or dealership to access my consumer report during these dates. 

Despite notifying the credit bureaus, disputing the fraudulent item, and providing my FTC Identity Theft Report, the fraudulent collection and inquiries continue to appear on my file. This violates multiple federal protections under the Fair Credit Reporting Act ( FCRA ). 
These failures include : FCRA 605B ( 15 U.S.C. 1681c-2 ) The credit bureaus must block identity-theft-related information within 4 business days after receiving my FTC report. This was not done.

FCRA 611 ( 15 U.S.C. 1681i ) Failure to conduct a reasonable reinvestigation or provide documentation showing the item is factually accurate.

FCRA 623 ( 15 U.S.C. 1681s-2 ) The furnisher knowingly continued reporting fraudulent and inaccurate information after receiving notice of the identity theft.

FCRA 604 ( 15 U.S.C. 1681b ) The above inquiries occurred without permissible purpose, violating federal law.

Reinsertion Rules FCRA 611 ( a ) ( 5 ) ( B ) Any deleted identity-theft information can not be reinserted without certifying accuracy I request CFPB oversight to ensure compliance. 

This continued reporting is unlawful and is causing severe financial and personal harm. 

XXXX. What I Want the Companies to Do I request the following corrective actions : XXXX. Remove & Permanently Block the Fraudulent Collection Credit Collection Services Account No. XXXX XXXX. Delete All Unauthorized Inquiries XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX. Prevent Reinsertion Ensure the account and inquiries can not be reinserted without meeting FCRA reinsertion certification requirements. 

XXXX. Provide Full Verification Documents Require the furnisher to provide : Application or contract Signature or e-signature logs IP addresses Date and location of alleged transaction Service records Billing history Fraud investigation notes XXXX. Update & Correct My Credit Reports Send corrected results to all three credit bureaus : XXXX XXXX XXXX XXXX. Ensure XXXX Accuracy Compliance All reporting must match federal XXXX standards XXXX

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