Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLLECTION SERVICES has been contacted via written mail and phone on numerous occasions to address a significant error in their account management and credit reporting. This company was mailed a certified letter the week of XX/XX/XXXX and has not responded appropriately which is immediately grounds for deletion and remedy for falsely reporting. Below I will provide all information in relation to this account as a means of transparency to expedite the remedy that is required at this point in time. 

CCS was contacted in late XXXX of this year when I was doing a personal audit of my credit reports from the 3 major bureaus : XXXX, XXXX and XXXX. During this time I discovered multiple incorrect and false/misleading items on my reports of which I educated myself on the laws and rights that protect me from fraud. This is the only account listed in collections on all 3 of my credit reports and I can firmly verify the account is not mine. When I received a letter in the mail from CREDIT COLLECTION SERVICES dated XX/XX/XXXX, the only document ( s ) in the envelope included a document labeled final bill with my name on it from XXXX in the amount of {$370.00}, and a letter directly from CREDIT COLLECTION SERVICES stating the CREDITOR as XXXX XXXX XXXXXXXX XXXX account number, amount of debt of {$380.00}, ccs number and a summary stating : enclosed please find a copy of the document ( s ) that substantiate this debt ( see attachments ). The date listed is XX/XX/XXXX which is before the certified letter listed above was sent. When I contacted XXXX via phone on or around XX/XX/XXXX, they firmly stated that I have no debt with them. When opened a new policy with XXXX in XXXXXXXX XXXX XXXX they required me to pay a past due balance of which at the time deemed likely to be this said debt listed on my credit report. I paid the balance because XXXX would not allow me to open a policy until that was taken care of. When I noticed after I paid this balance that this did not come off my credit report I contacted CCS to politely get clarification on what the problem is. They requested I send proof of payment to XXXX which I did via their instruction : XXXX XXXX # XXXX Pin # XXXX. They then claimed that this was a different balance owed through XXXX. I have never signed a contract with CCS, do not have any agreement with them or obligations whatsoever, and never authorized XXXX to share my personal information. When contacting both companies, neither company could give any proof of any contract or debt to be owed and this is a clear indication of fraud. I have since filed an FTC report for the identity theft related to this matter as well. Again XXXX confirmed I have no debts with them and I know for a fact I have never even heard of CCS until I noticed it on my credit report. 

In my attachment you will see the information had being requested which substantiate any potential debt and verify whose it is. As you can see in the attachment the document sent by CCS is simply a bill and proves nothing other than CCS illegally in possession of my personal information. 

1. Validation of the debt ( the actual accounting of said debt ) 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ; Uniform Commerical Codes, Federal Fair Credit Reporting Act, and Georgia State Statues for Lawful Purposes. ) 3.A copy of the contract signed by both parties and therefore binding both parties. 
4.Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. 
5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under The Money Laundering Regulations 2007 and what actions he or she has taken in relation to this account.

This has negatively impacted my credit report for years and affected by ability to obtain credit ultimately affected my physical, mental and emotional well being. XXXX is also clearly not conducting the " reasonable investigation '' seemingly required by law. I am certain the CFPB will hold these parties responsible for this negligence. 

In the attachments I have provided images of the documents sent by CCS dated XX/XX/XXXX, copies of XXXX and XXXX dispute results ( relevance inquiry explained below ), copy of the FTC report filed today against CCS, and letter send to CCS CFO. 

Please note the XXXX credit dispute results exemplifies the lack of investigation into this false and misleading report information and the XXXX credit dispute results exemplifies yet another inconsistency between involved parties on this account. Specifically you can see on CCS account : Balance : {$380.00} Date Updated : XX/XX/XXXX Payment Received : XX/XX/XXXX ( {$370.00} ) Last Payment Made : XX/XX/XXXX Original Amount : {$370.00} Original Creditor XXXX XXXX ( Insurance ) Past Due : XXXX XXXX XXXX XX/XX/XXXX was the original date that I was required to pay past due balance in order to open new XXXX Account. It says last payment made on collections account was XX/XX/XXXX in the amount of {$370.00}. Which would be close to the amount of {$370.00} that CCS claims is the amount of the final bill sent to me in a clearly lazy attempt to substantiate the potential debt. If there was a payment received for the entire original amount ( the cents don't match either which is grounds for removal ) why is there showing a {$380.00} balance to CCS on my credit reports. 

In conclusion, there is no debt and the non-existent debt does not belong to me. Please expeditiously help in resolving this matter. Thank you for your assistance.

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