Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone : XXXX XXXX : XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, XXXX XXXX Subject : Formal Complaint Against XXXX XXXX XXXX XXXX for Violations of the FCRA, FDCPA, and HIPAA Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against the three major consumer reporting XXXXXXXX XXXX XXXX XXXXXXXX failing to comply with federal laws under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and potentially the Health Insurance Portability and Accountability Act ( XXXX ). 

Despite my efforts to resolve these matters directly, my credit reports continue to contain inaccurate, unverifiable, incomplete, or obsolete information. These violations are materially affecting my creditworthiness, access to financial services, and my rights as a consumer. 

VIOLATION SUMMARY XXXX. XXXX XXXX XXXX Account # : XXXX Violation ( s ) : FCRA 611 ( a ) ( 1 ) ( A ) : Fails to provide verifiable documentation of ownership and status.

FCRA 623 ( a ) ( 5 ) : Missing accurate Date of First Delinquency.

Discrepancy : Reported only by TransUnion and Experian with no payment history ; missing from Equifax. 
XXXX. XXXX XXXX XXXX XXXX Ambulance Account # : XXXX Violation ( s ) : FCRA 611 ( a ) : Inaccurate and unverifiable reporting.

FDCPA 809 ( b ) : Failure to validate debt upon request.

HIPAA : Potential unauthorized sharing of medical data without proper release or verification.

Discrepancy : Medical account reported derogatory without proof or consent. 
XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX Violation ( s ) : FCRA 607 ( b ) : Reporting obligation to ensure maximum accuracy.

FCRA 611 ( a ) : No verifiable supporting documentation.

FDCPA 809 ( b ) : No response or validation.

Discrepancy : Only appears on TransUnion, with no trace on Experian or Equifax. 
MY ACTIONS On XX/XX/XXXX, I submitted certified dispute letters to each bureau requesting deletion of the above accounts under the FCRAs 30-day reinvestigation requirement ( FCRA 611 ).

These letters included legal citations and proof of discrepancies. 
I have not received any substantive evidence or response validating these items. 
REQUEST FOR CFPB ASSISTANCE I am respectfully requesting that the CFPB : Investigate the failure oXXXX XXXX XXXX XXXX XXXX to comply with the FCRA, FDCPA, and HIPAA. 
Enforce deletion of all unverifiable or incomplete items per federal law. 
Hold accountable the reporting agencies and furnishers for maintaining and reporting unverified or outdated information. 
This ongoing situation is causing material harm to my financial well-being. I appreciate the CFPBs role in protecting consumer rights and thank you for your support in resolving this matter. 

Sincerely, XXXX XXXX XXXX

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