Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am holding XXXX, XXXX, AND XXXX accountable for violating the following code of the Fair Credit Reporting Act. 
15 U.S. CODE 1681B PERMISSIBLE PURPOSE OF CONSUMER REPORT They did not get my written permission, nor did I give authorization this a violation of the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX states that any agency can only get your report in response to a request by the head of the state or local child support enforcement agency ( or a state or local government official authorized by the head of such an agency 12CFR 1022.3 DEFINITIONS anything added to my/ your reporting without your consent can be considered identity theft. 
I wish to enforce 15 U.S.C 1681C block of information resulting from identity theft, I will provide the appropriate proof of my identity along with a copy of the FCT REPORT. 

And also, The Privacy act of 1974 ( 5 U.S CODE 552a ) XXXX AND XXXX are a consumer reporting agency and I am a consumer, I have the right to make sure is not shared which is back by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customer 's nonpublic personal information, " Furnisher of information to the credit agencies is a financial institution by definition under the title. 15 USC 1681 SEC 604 A SECTION 2 states that " In general subject to subsection ( C ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer of which it relates. " FURNISHER OF INFORMATION TO CREDT AGENCIES ) the financial institution and the reporting agencies, XXXX and XXXX do not have my consent to furnish this information and they do not have written consent. 
Also 1

2 CFR 106.7 state that A consumer may ex.

AS PER CFA AS FEDRALLY PROTECTED CONSMER I am now opting out of any and all Authorization I the consumer may have given you, written, implied, Verbal, non-verbal or otherwise are revoked per 15 U. S. C 6802. Which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer exercises that nondisclosure option. ( furnisher of information to credit agencies ). I was not informed of my rights to exercise my nondisclosure option.

15 U.S CODE 1681C ( a ) ( 5 ) state EXCEPT as Authorized under subsection ( b ) no consumer.

Reporting agencies may make any consumer report containing any of the following items of information, any other than adverse items of information, other than the record of conviction of crime which antedates the report by more than XXXX years. My accounts listed are adverse items they are reporting again without my permission. 



Reporting of transactions is against the law l. A collection is considering a certificate of indebtedness which is income and income can not be reported. 
according to the FCRA 15 U.S C 1681 SECTION 602 states there is a need to ensure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for consumer rights and privacy. 15 us code 1681e state Every consumer reporting agency shall maintain responsible procedures designed to avoid violation of 1681c of this title are XXXX, XXXX and XXXX are not maintaining reasonable procedures. I Update my account immediately by deleting any all-negative remarks. And accounts This for present past and future reports This securities fraud. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am holding XXXX, XXXX, AND XXXX accountable for violating the following code of the Fair Credit Reporting Act. 
15 U.S. CODE 1681B PERMISSIBLE PURPOSE OF CONSUMER REPORT They did not get my written permission, nor did I give authorization this a violation of the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX states that any agency can only get your report in response to a request by the head of the state or local child support enforcement agency ( or a state or local government official authorized by the head of such an agency 12CFR 1022.3 DEFINITIONS anything added to my/ your reporting without your consent can be considered identity theft. 
I wish to enforce 15 U.S.C 1681C block of information resulting from identity theft, I will provide the appropriate proof of my identity along with a copy of the FCT REPORT. 

And also, The Privacy act of 1974 ( 5 U.S CODE 552a ) XXXX AND XXXX are a consumer reporting agency and I am a consumer, I have the right to make sure is not shared which is back by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customer 's nonpublic personal information, " Furnisher of information to the credit agencies is a financial institution by definition under the title. XXXX USC 1681 SEC 604 A SECTION 2 states that " In general subject to subsection ( C ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer of which it relates. " FURNISHER OF INFORMATION TO CREDT AGENCIES ) the financial institution and the reporting agencies, XXXX and XXXX do not have my consent to furnish this information and they do not have written consent. 
Also 12 CFR 106.7 state that A consumer may ex.

AS PER CFA AS FEDRALLY PROTECTED CONSMER I am now opting out of any and all Authorization I the consumer may have given you, written, implied, Verbal, non-verbal or otherwise are revoked per 15 U. S. C 6802. Which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer exercises that nondisclosure option. ( furnisher of information to credit agencies ). I was not informed of my rights to exercise my nondisclosure option. 
15 U.S CODE 1681C ( a ) ( 5 ) state EXCEPT as Authorized under subsection ( b ) no consumer.

Reporting agencies may make any consumer report containing any of the following items of information, any other than adverse items of information, other than the record of conviction of crime which antedates the report by more than XXXX years. My accounts listed are adverse items they are reporting again without my permission. 



Reporting of transactions is against the law l. A collection is considering a certificate of indebtedness which is income and income can not be reported. 
according to the FCRA 15 U.S C 1681 SECTION 602 states there is a need to ensure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for consumer rights and privacy. 15 us code 1681e state Every consumer reporting agency shall maintain responsible procedures designed to avoid violation of 1681c of this title are XXXX, XXXX and XXXX are not maintaining reasonable procedures. I Update my account immediately by deleting any all-negative remarks. And accounts This for present past and future reports This securities fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief