Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Formal Complaint & Declaration of Violation of Consumer Rights Complainant : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX, Florida XXXX Email : XXXX Phone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX Last 4 of SSN : XXXX Respondent ( s ) : XXXX XXXX XXXX Credit Collection Services ( Multiple Accounts Listed ) Credit Reporting Agencies Involved : XXXX, XXXX, XXXX  I. SUMMARY OF COMPLAINT This filing constitutes a lawful and factual declaration of multiple violations under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), as well as an infringement upon constitutional privacy rights protected under the Fourth Amendment of the United States Constitution the right of the people to be secure in their papers, effects, and communications. 

The complainant asserts that debt collection entities and credit reporting agencies have : Reported and/or communicated consumer data without prior express written consent. 

Engaged in unauthorized communications in violation of 15 U.S.C. 1692c ( a ). 

Failed to produce validation of any alleged debt prior to collection activity. 

Interfered with the complainants right to financial privacy and personal security through unlawful furnishing and dissemination of information. 

II. FACTUAL ALLEGATIONS 1. Lack of Consent to Communicate or Collect Notice, it is a fact that the affiant did not give prior consent to any debt collector to communicate, nor did any court provide permission authorizing communication for debt collection purposes. 
Accordingly, any attempt to communicate with the consumer constitutes a direct violation of 15 U.S.C. 1692c ( a ).

2. Unlawful Conveyance of Private Consumer Information Notice, it is a fact that pursuant to 15 U.S.C. 1692a ( 2 ), communication means the conveying of information regarding a debt directly or indirectly through any medium including mail, phone, text, publication, or electronic transmission.

The respondents have transmitted and furnished information to third parties ( credit bureaus ) without authorization, thereby violating federal consumer privacy protections.

3. Right to Privacy and Data Integrity Notice, it is a fact that the complainant, as a consumer, is entitled to privacy in all communications and data reporting pursuant to 15 U.S.C. 1692 ( a ). 
The unauthorized publication of personal and financial information constitutes an invasion of privacy and a breach of constitutional protections guaranteeing individuals the right to be secure in their papers and effects. 

XXXX. ACCOUNT REFERENCES Creditor / Collector XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Credit Collection Services XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Collection Services XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IV. REQUESTED ACTIONS The complainant hereby requests that the CFPB : Initiate a full investigation into the actions of the above-named entities for noncompliance with the FDCPA and FCRA. 

Order immediate deletion of any unlawfully reported or unverifiable accounts. 

Require written certification from each respondent verifying cessation of unauthorized communications and confirmation that no further data will be furnished without consumer consent. 

Impose civil and administrative penalties for continued violations, should these entities fail to comply with federal law. 

V. CONCLUSION The actions of these debt collectors and credit bureaus constitute unlawful interference with the consumers federally protected rights. 
All rights are hereby reserved. No portion of this document shall be construed as consent to contract or further communication except as required by law for redress and remedy. 

Respectfully submitted, XXXX XXXX XXXX XXXX Affiant and Consumer Date : XX/XX/XXXX Consumer Rights Reserved U.C.C. 1-308 / U.C.C. 1-103

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