Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
Account : XXXX Alleged Original Creditor XXXX XXXX XXXX  {$0.00} balance I am filing this complaint against Credit Collection Services ( XXXX ) because they are reporting a collection account for XXXX  with a {$0.00} balance, but still reporting it as an active collection. This is not only misleadingit is illegal under the FCRA, FDCPA, and XXXX XXXX reporting standards. 
A {$0.00} balance collection has no permissible purpose to remain on my credit report because : The debt is not owed The debt is not collectible The debt is not outstanding The debt is not enforceable A collection agency reporting a {$0.00} balance as an open derogatory account is considered deceptive, misleading, and inaccurate, and XXXX knows this. This is a known tactic they use, and it violates multiple laws. 
XXXX Has a Long History of Illegal Practices I am fully aware that Credit Collection Services has been involved in multiple lawsuits for : Failing to validate debts Misrepresenting balances Reporting inaccurate information Continuing to report paid/settled/zero-balance accounts as active Violating FDCPA 807 False, misleading, deceptive reporting Violating FDCPA 808 Unfair collection practices Failing to properly investigate disputes under FDCPA 809 ( b ) FCRA violations for furnishing inaccurate information XXXX XXXX violations for failing to certify accuracy My experience matches the exact pattern XXXX  has been sued for. 
THIS COLLECTION IS REPORTING ILLEGALLY XXXX. Reporting a {$0.00} balance collection is inherently misleading Under FCRA 607 ( b ), the furnisher must maintain maximum possible accuracy. 
A {$0.00} balance is not an active debt, yet XXXX is reporting it like I still owe money. 
That is inaccurate by definition. 
XXXX. A {$0.00} balance collection violates XXXX XXXX XXXX XXXX standards require : Paid in full or closed NOT open collection NOT derogatory NOT with a status that implies money is owed XXXX is violating the XXXX XXXX Format Requirements ( XXXX  Industry Guidelines ). 
XXXX. FDCPA Violations Reporting a {$0.00} balance as collectible is illegal Under : FDCPA 807 ( 2 ) ( A ) misrepresentation of the amount owed FDCPA 807 ( 10 ) use of deceptive means FDCPA 808 unfair practices Furnishing a collection that has a {$0.00} balance as if it is an outstanding obligation is deceptive. 
XXXX. I Never Received ANY Written Notice of This Debt XXXX violated : FDCPA 809 ( a ) required written notice within XXXX  days FDCPA 809 ( b ) continued collection without validation They placed this on my report without providing XXXX document, XXXX notice, XXXX statement, nothing. 
Verification Was NEVER Provided When a consumer disputes a collection, federal law requires actual validation, including : Required Validation Under FDCPA 809 ( b ) : Original signed contract Proof XXXX  assigned or sold the account Itemized accounting Full payment history XXXX XXXX has legal right to collect Any documentation showing the remaining balance Since the balance is {$0.00}, XXXX can not legally validate a debt that no longer exists. 
I have not received ANY validation of any kind. 
FCRA XXXX XXXX is violating : FCRA 611 ( a ) failure to investigate FCRA 611 ( a ) ( 5 ) must DELETE unverified information FCRA 607 ( b ) furnishing inaccurate information FCRA 623 ( a ) ( 1 ) ( A ) reporting information they know is false

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