Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
I am submitting this complaint to formally dispute and challenge the continued reporting and collection activity associated with an account furnished by Credit Collection. This account does not belong to me and is the result of identity theft. I did not open, authorize, apply for, sign for, or benefit from any account with Credit Collection, nor did I enter into any agreement that would create a legal obligation between myself and this company. 

I first became aware of the Credit Collection account after reviewing my consumer credit reports and noticing a collection tradeline reporting a past-due balance under Credit Collections name . I did not recognize this account, the alleged balance, or the origin of the debt. Because I have never had a contractual relationship with Credit Collection or the alleged original creditor, I immediately suspected that this account was the result of identity theft or fraudulent activity. 

Upon discovering this unauthorized account, I took prompt and reasonable steps to protect myself and address the situation. I filed an Identity Theft Report with the Federal Trade Commission ( FTC ), documenting that this account was opened fraudulently and without my knowledge or consent. Filing an FTC Identity Theft Report is a formal declaration under federal law that the account does not belong to me and that I am a victim of identity theft. 

In addition to filing the FTC report, I disputed the Credit Collection account with the consumer reporting agencies. In my disputes, I clearly stated that I do not own the account, that the account was opened fraudulently, and that I am not legally responsible for any alleged balance. I requested that Credit Collection provide lawful proof that I authorized the account, including a signed contract, application, billing statements showing my participation, or any documentation demonstrating that I agreed to the debt. 

Despite these actions, the Credit Collection tradeline has continued to appear on my credit report as a collection account. Continued reporting of this account has caused ongoing harm to my credit profile and financial standing. The presence of a collection account negatively impacts my creditworthiness, can affect my ability to obtain credit, housing, employment, and insurance, and creates stress and uncertainty as a victim of identity theft. 

Credit Collection has not provided independent or substantive proof that I opened or authorized this account. Simply asserting that a balance exists or relying on internal records or information received from another party does not establish that the account belongs to me. When an account is disputed as identity theft and an FTC Identity Theft Report has been filed, the burden is on the furnisher to verify that the account was legitimately opened and authorized by the consumer. To date, that burden has not been met. 

The continued reporting of this account is inaccurate and misleading. I am not the account holder, I did not incur the debt, and I have no legal obligation to Credit Collection. Reporting the account as a valid collection account falsely associates me with a debt that does not belong to me. This is especially concerning because victims of identity theft should not be required to repeatedly defend themselves against debts they did not create. 

I have acted in good faith throughout this process. I promptly reviewed my credit reports, identified the fraudulent account, filed the appropriate federal identity theft documentation, and disputed the account through the proper channels. I have cooperated fully and have taken all reasonable steps expected of a consumer in this situation. At this point, the continued presence of the Credit Collection account reflects a failure to correct inaccurate information rather than any inaction on my part. 

This matter is particularly troubling because collection accounts carry significant negative weight on a consumers credit report. The inaccurate reporting of a collection account can have long-lasting consequences that extend well beyond the balance allegedly owed. As a victim of identity theft, I should not be penalized for fraudulent activity committed by another party. 

I am also concerned that XXXX XXXX continued reporting XXXX rely on administrative handling rather than factual resolution. Closing a dispute or marking an account as verified without establishing lawful authorization does not convert fraudulent information into accurate information. If Credit Collection can not demonstrate that I opened or authorized this account, it should not continue to be reported or collected. 

I want to be clear that this complaint is not about dissatisfaction with customer service or a disagreement over billing. This complaint is about ownership of the account itself. I do not own this account. I never did. Any reporting, collection activity, or verification suggesting otherwise is incorrect. 

Because this account was opened fraudulently, it should not be sold, transferred, reassigned, or pursued by any third party. Any such actions would further propagate inaccurate information and compound the harm caused by the original identity theft. Credit Collection should ensure that its internal records clearly reflect that I am not the responsible party and that the account is associated with identity theft. 

I am submitting this complaint so that Credit Collection and the Consumer Financial Protection Bureau can review the facts, recognize that this account does not belong to me, and ensure that my consumer credit reports reflect accurate information only. Victims of identity theft rely on accurate reporting and timely correction to restore their financial standing and protect themselves from further harm. 

In summary, the key facts are as follows : I do not own or recognize the Credit Collection account. 

I did not authorize, apply for, or benefit from the account. 

I filed an FTC Identity Theft Report documenting that the account is fraudulent. 

I disputed the account with the credit reporting agencies. 

Credit Collection has not provided lawful proof that I am the account holder. 

The account continues to be reported inaccurately as a collection account. 

Continued reporting causes ongoing harm to me as a consumer and identity theft victim. 

This complaint is submitted to request accountability, correction of inaccurate reporting, and appropriate handling of an identity theftrelated account. I respectfully request that Credit Collection review this matter thoroughly and take corrective action consistent with federal consumer protection laws and identity theft safeguards.

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