Consumer complaint received 2026-07-16 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: IN

Complaint narrative:
I am submitting this complaint regarding the continued reporting of an inaccurate and unverified collection account by Credit Collection Services ( CCS ), allegedly related to XXXX, despite my written dispute submitted on XX/XX/XXXX. The furnisher has continued reporting this account without correcting significant inaccuracies or providing documentation demonstrating that a reasonable investigation was conducted as required under the Fair Credit Reporting Act ( " FCRA '' ). Account Information Furnisher : Credit Collection Services ( CCS ) Account Number : XXXX Original Creditor : XXXX Reported Balance : {$67.00} Date Opened : XX/XX/XXXX On XX/XX/XXXX, I disputed the accuracy and completeness of this collection account and specifically requested that the furnisher investigate the discrepancies being reported. Despite receiving notice of my dispute, Credit Collection Services has continued reporting the account with conflicting and incomplete information across the nationwide consumer reporting agencies. The reporting contains several material inconsistencies, including but not limited to : The Last Activity Date differs between the credit bureaus : Equifax : XX/XX/XXXX Experian : XX/XX/XXXX No Date of Last Payment is reported, preventing verification of the account 's payment history and reporting timeline. The account is reported inconsistently across the nationwide consumer reporting agencies, demonstrating that the information furnished lacks uniformity and raises concerns regarding its accuracy. Despite my prior dispute, the furnisher has continued reporting the account without correcting these discrepancies or providing any documentary evidence supporting the information being furnished. These inconsistencies raise serious concerns regarding whether Credit Collection Services conducted the reasonable investigation required by federal law before continuing to furnish this information. I believe Credit Collection Services has failed to comply with its obligations under the Fair Credit Reporting Act, including but not limited to : 15 U.S.C. 1681s-2 ( a ) : Duty to furnish accurate and complete information. 15 U.S.C. 1681s-2 ( b ) : Duty to conduct a reasonable investigation after receiving notice of a dispute. 15 U.S.C. 1681e ( b ) : Requirement that consumer reporting agencies maintain reasonable procedures to assure maximum possible accuracy. 15 U.S.C. 1681i : Requirement that disputed information be reasonably reinvestigated. Additionally, because this matter involves a debt collector, I request that the CFPB review whether Credit Collection Services has complied with its obligations under the Fair Debt Collection Practices Act ( FDCPA ), including : 15 U.S.C. 1692e, prohibiting false, deceptive, or misleading representations in connection with the collection of a debt. 15 U.S.C. 1692f, prohibiting unfair or unconscionable means to collect or attempt to collect a debt. Accordingly, I respectfully request that the CFPB require Credit Collection Services to provide complete documentary evidence supporting the continued reporting of this collection account, including but not limited to : A complete payment history from the original creditor through placement for collection. Documentation establishing the Date of Last Payment. Documentation establishing the Date of First Delinquency ( DOFD ). A complete itemization explaining how the current balance of {$67.00} was calculated. The original agreement or other documentation bearing my signature establishing contractual liability. Documentation demonstrating Credit Collection Services ' legal authority to collect this account, including any assignment or placement agreement from XXXX. Documentation establishing the chain of authority from the original creditor to Credit Collection Services. Copies of all documents, electronic records, account notes, and information relied upon during the investigation of my dispute dated XX/XX/XXXX. Identification of every individual, database, and third-party source used to verify this account. Copies of all Automated Consumer Dispute Verification ( ACDV ), Automated Universal Dataform ( AUD ), or equivalent dispute verification records exchanged with XXXX, XXXX, and XXXX. Copies of all documentation furnished to the consumer reporting agencies in support of continued verification of this account.

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