Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
I am a verified victim of identity theft, supported by my official FTC Identity Theft Report, Report Number XXXX. 
A fraudulent collection account from Credit Collection Services ( Account XXXX. XXXX ) was added to my credit report without my knowledge, authorization, or benefit. I did not open, approve, agree to, or receive any service related to this account, and it has caused significant emotional distress, financial harm, credit denials, and damage to my reputation. 

The identity theft incident also involved fraudulent activity with XXXX XXXX, totaling {$68.00}, which further confirms that my personal information was compromised. Additionally, an unauthorized inquiry from XXXX XXXX dated XX/XX/year> appeared on my credit file without permissible purpose. 

Incorrect personal information and an unrelated address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX were also added to my consumer profile even though I have never resided at this address. My legitimate and only address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, as stated in my FTC report. 

I immediately notified the credit bureaus, disputed the fraudulent items, and provided my FTC Identity Theft Report along with supporting documents. Despite this, the bureaus and the furnisher failed to properly block, investigate, or remove the fraudulent account as required by law. 

This activity violates several federal consumer protection laws, including : FCRA 605B ( 15 U.S.C. 1681c-2 ) Failure to block identity-theft-related information within 4 business days of receiving my FTC Identity Theft Report.

FCRA 611 ( 15 U.S.C. 1681i ) Failure to conduct a reasonable reinvestigation and failure to provide proper verification for disputed information. 

FCRA 623 ( 15 U.S.C. 1681s-2 ) The furnisher continued reporting information they were notified was fraudulent and inaccurate.

FCRA 604 ( 15 U.S.C. 1681b ) Unauthorized inquiry by XXXX XXXX  no permissible purpose. 

Reinsertion Violations ( FCRA 611 ( a ) ( 5 ) ( B ) ) If the bureaus reinsert, maintain, or update any previously deleted fraudulent data without certifying its accuracy, that violates statutory reinsertion protections. 

The continued reporting of fraudulent information is causing ongoing credit harm, financial loss, stress, and impediments to obtaining housing, transportation, and financial products. 

I am requesting full and immediate removal of all fraudulent data. 

I request the following actions : XXXX. Remove and permanently block the fraudulent Credit Collection Services account ( Account XXXX. XXXX ) under FCRA 605B. 

XXXX. Remove the fraudulent XXXX XXXX  inquiry dated XX/XX/year>, which had no permissible purpose. 

XXXX. Remove all incorrect addresses including XXXX XXXXXXXX XXXX  which does not belong to me. 

XXXX. Update my report to reflect ONLY my correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

XXXX. Prevent reinsertion and document compliance with FCRA reinsertion rules. 

XXXX. Provide me with all documentation used to verify the fraudulent collection including : Full itemized billing logs Contract or signature IP logs Date of alleged service Original creditor documentation Any fraud claim investigation notes XXXX. Send corrected results to all credit bureaus XXXX XXXX XXXX

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