Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am filing this formal complaint against XXXX ( XXXX ) and their authorized agent, Credit Collection Services ( CCS ), regarding account # XXXX. My dispute is based on a pattern of reporting failures that violate the Fair Credit Reporting Act ( FCRA ). 1. Gross Inconsistency and Data Integrity Failure : My credit report ( via CCS ) lists an " Original Balance '' of {$460.00}. However, I have a written statement from the XXXX Executive Office ( XXXX XXXX, Ref : XXXX ) confirming the account was actually written off at a total balance of {$810.00}. This nearly {$400.00} discrepancy is a fatal reporting error under the FCRA requirement for " maximum possible accuracy. '' Furthermore, if XXXX wrote off {$810.00} for tax purposes but is reporting {$460.00} to credit bureaus, there is a clear accounting inconsistency that makes the data inherently unreliable. 2. Contradictory Records ( Purged vs. Verifiable ) : XXXX has officially stated in writing that my account records have been " purged. '' Yet, they simultaneously provided a detailed summary of accounting as if the data were still verifiable. If the account is truly purged, XXXX lacks the original source documentation ( original invoices and contracts ) to legally verify the debt or the conflicting balances ( {$810.00} vs. {$460.00} ). 3. Irreparable Harm and Medical Urgency : This negligent reporting is the sole factor blocking a mortgage approval for a home I am purchasing to care for my son, who was recently on life support and is currently in intensive rehabilitation. The proximity of this home is a medical necessity. The damage caused by years of reporting impossible and inaccurate late marks can not be reversed by a simple status update ; the integrity of the entire trade line is compromised. 4. The " Courtesy Credit '' Misclassification : XXXX admitted the balance was originally inflated by over {$350.00} in equipment fees for items I had already returned. They labeled the removal of this charge as a " courtesy credit, '' but this was actually a necessary correction of a billing error for funds that were never owed. This pattern of faulty billing proves the historical reporting is unreliable. 5. Failure to Honor COVID-19 Waivers : XXXX previously stated a {$90.00} cancellation fee would be waived due to COVID-19 hardships while my home was in an approved mortgage forbearance. XXXX now admits this {$90.00} fee was included in the written-off balance, proving they failed to honor their own pandemic relief commitments and COVID-19 policy. 6. Illegal Reporting by Credit Collection Services ( CCS ) : The collection agency, CCS, is reporting an " Original Balance '' that does not match the creditor 's own write-off amount. A third-party collector can not report an " original '' amount that has been arbitrarily altered from the actual debt foundation.

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