Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
I filed a complaint to the cfpb on XX/XX/XXXX under XXXX XXXXXXXX and this company has refused to respond in the time frame legally given. They have not provided any verification of this debit after multiple disputes has been filed and they are continuing to report each month and this affecting me and my credit worthiness. Failure to respond will result in a lawsuit for damages caused by the in accurate reporting of this collection. This is the original message sent : On XX/XX/XXXX I wrote all 3 credit bureaus a certified letter requesting that Credit Collections validate the debit on my credit files. They are saying this is a debit from XXXX. I requested validation of the debit showing that this was in fact my debit but never received any documentation, only an update from the credit bureaus saying it was validated. The account number that was provided on my credit file is XXXX in the amount of {$220.00}. The credit bureaus said the accounts were verified but never provided how they verified the account with the documentation that I requested in my letter to them within 30 days. I received no correspondence from Credit Collections regarding the debit validation that was sent. I am asking that this debit be completely removed if you are not able to validate the with the information I requested. How are you able to validate the account but not provide me with the documents I requested? This was my request : Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Thank you, XXXX XXXX The company responded on XXXX with this message : COMPANY 'S INTERIM RESPONSE Our office is in receipt of the complaint filed by the consumer. Please be advised that we are investigating the consumers concerns and we will respond as soon as possible. Thank you This company still has this case open and has failed to provide any verification as I have never had services with this company. I am now demanding this be removed from all 3 credit bureaus immediately or I will pursue litigation against them.

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