Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
Subject : Violation of 15 USC 1681B, 18 USC 1028A, and 18 USC 894 - Request for Violation Fines for Settlement Dear Sir/Madam, I am writing to address a serious matter concerning the violation of federal laws, specifically 15 USC 1681B , 18 USC 1028A , and 18 USC 894 , which I believe Credit Collection Services has been involved in.

Upon reviewing my recent credit report, I discovered unauthorized inquiries made by your company without my consent or knowledge. This action directly contravenes 15 USC 1681B, which explicitly states that consumer reporting agencies must obtain the consumer 's consent before accessing their credit information. As a responsible consumer, I have always been cautious about granting access to my credit information, and I have not authorized any inquiries from your company.

Furthermore, I have reason to suspect that Credit Collection Services may have engaged in identity theft or fraudulent activities, as outlined in 18 USC 1028A. This statute prohibits the knowing transfer, possession, or use of another person 's identification documents or information with the intent to commit, aid, or abet any unlawful activity. I demand a thorough investigation into this matter to ascertain the extent of any potential identity theft or fraudulent actions associated with my personal information.

Additionally, it has come to my attention that Credit Collection Services may have violated 18 USC 894, which pertains to extortionate credit transactions. This statute prohibits the use of extortionate means to collect or attempt to collect any extension of credit. If it is determined that your company has engaged in such practices, I expect appropriate action to be taken to rectify the situation.

In light of these violations, I hereby request that Credit Collection Services agrees to a settlement to cure the aforementioned violations. I propose that the settlement includes the payment of violation fines as prescribed by the relevant statutes. These fines will serve as a deterrent against future violations and compensate for the damages caused by the unauthorized inquiries, potential identity theft, and any extortionate credit transactions.

I kindly request that you provide me with a detailed explanation of the unauthorized inquiries made on my credit report, as well as any information regarding the source of these inquiries. Furthermore, I expect a prompt investigation into the potential identity theft or fraudulent activities associated with my personal information. I demand that you cease any and all collection activities until this matter is resolved and my rights are protected.

Please be advised that I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws, and I will not hesitate to take legal action if necessary. I expect your full cooperation in resolving this matter promptly.

I look forward to your immediate attention to this matter and a timely response within [ number of days, e.g., 30 days ] from the date of this letter. Failure to comply with my requests may result in further legal action. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

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