Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: IN

Complaint narrative:
I am filing this complaint against Credit Collection Services for reporting a collection account that appears inaccurate, incomplete, and insufficiently verified under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Credit Collection Services is reporting a derogatory collection account allegedly connected to XXXX XXXX XXXX in the amount of {$190.00} on my consumer credit reports. Despite the serious negative impact this account has on my creditworthiness, the furnisher has failed to provide competent evidence establishing : A valid contractual obligation A complete accounting of the alleged balance The date and nature of the alleged delinquency Proof of legal authority to collect Documentation demonstrating that the information being furnished meets the FCRA standard of maximum possible accuracy The reporting is misleading and incomplete because the account lacks sufficient underlying documentation to substantiate liability or verify the accuracy of the balance being reported. Pursuant to 15 U.S.C. 1692g, a debt collector must provide proper validation of an alleged debt. I dispute this alleged obligation and request strict proof of the debt, including : Original signed agreement or insurance contract creating liability Full payment history and itemization of charges Documentation showing how the balance of {$190.00} was calculated Proof that Credit Collection Services has legal authority or assignment rights to collect Documentation identifying the date of first delinquency Furthermore, under 15 U.S.C. 1681e ( b ), furnishers and consumer reporting agencies must maintain reasonable procedures to assure maximum possible accuracy of consumer information. Reporting a derogatory collection account without competent documentary verification raises serious concerns regarding compliance with the FCRAs accuracy requirements. Automated or superficial verification procedures are insufficient where the consumer disputes the validity and completeness of the information being furnished. If the furnisher can not produce competent evidence verifying the alleged debt with complete accuracy, continued reporting may constitute negligent or willful noncompliance with the FCRA and unlawful collection activity under the FDCPA. I am requesting that the CFPB require Credit Collection Services and all consumer reporting agencies involved to : Conduct a reasonable investigation into this account ; Provide the complete method of verification used; Produce competent documentary evidence substantiating the debt ; Cease reporting unverifiable or misleading information ; and Delete the collection account from all consumer reporting agencies if full verification can not be produced. I also request preservation of all records, communications, investigative notes, and data relied upon in connection with the furnishing and verification of this account. This complaint concerns violations and potential violations of : 15 U.S.C. 1692g 15 U.S.C. 1692c 15 U.S.C. 1681e ( b ) Any other applicable provisions of the FDCPA and FCRA governing accuracy, investigation, and debt validation. I request a formal written response and supporting documentation from the furnisher.

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