Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Subject : Formal Dispute Under 15 U.S.C. 1681 Lack of Written Consent To Whom It May Concern, I am writing to formally dispute certain items that appear on my consumer credit report maintained by your agency. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report under specific permissible purposes and generally only with the written consent of the consumer, particularly in cases involving credit or insurance. 

Upon reviewing my credit file, I noticed that my information has been accessed or reported by entities to which I have never given written authorization or consent to furnish, access, or obtain my consumer report. 

Details of Disputed Entries : [ List the names of the companies and accounts or inquiries in question, with dates if available. ] I am requesting that you : Provide proof of written authorization for the furnishing or obtaining of my consumer report by the listed entities. 

Immediately remove any information or inquiries from my credit file that were obtained or furnished without my written consent, in violation of 15 U.S.C. 1681b.

Send me a corrected copy of my credit report once this investigation is completed.

Under FCRA regulations, you are required to complete your investigation within 30 days of receipt of this letter. Please include the name, address, and phone number of any furnisher of information you contact regarding this dispute. 

If you are unable to verify that written consent was provided, I expect the unverified information to be deleted from my credit report as required by law. 

I have enclosed a copy of my government-issued ID and a recent utility bill to verify my identity. 

Thank you for your prompt attention to this matter. 

Sincerely, [ Your Full Name ] [ Signature if mailing ] Enclosures : Copy of government-issued ID Proof of address ( e.g., utility bill ) Copy of credit report with disputed items highlighted ( optional ) Notes : Send via certified mail with return receipt to have proof of delivery. 

You can repeat this process for each credit bureau XXXX XXXX XXXX XXXX XXXX 

If the inquiry or furnishing was not tied to a credit application or permissible purpose under the law, the bureau must investigate and remove it if they cant validate it. 

Would you like help tailoring this letter to a specific bureau or dispute item? 

You said : XXXX funding XXXX said : Thank you. Here 's a customized dispute letter specifically addressing XXXX XXXX, asserting your rights under 15 U.S.C. 1681 and stating that you never gave written consent for them to obtain or furnish your credit information. 

[ Your Full Name ] [ XXXX XXXX Address ] [ City, XXXX, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] [ Credit Bureau XXXX ] [ Credit Bureau XXXX ] [ City, XXXX, ZIP Code ] Subject : Formal Dispute Under XXXX U.S.C. XXXX Unauthorized Reporting/Inquiry by XXXX Funding To Whom It XXXX Concern, I am writing to dispute information appearing on my credit report related to XXXX Funding, which I believe to be inaccurate and unlawfully furnished. I have not at any time provided written consent to XXXX Funding to access, furnish, or report any information related to my consumer file, as required under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b. 

Disputed Entry : Company Name : XXXX Funding Account Number : [ Insert if known or leave blank ] Date of Entry/Inquiry : [ Insert if known or leave blank ] Under 15 U.S.C. 1681b, consumer reporting agencies may only furnish consumer reports under certain circumstances, and written consent is required in many of those casesespecially when it relates to credit or collections. I have no record of any such consent or agreement with XXXX XXXX. 

My Requests : Please provide documented proof of my written authorization allowing XXXX XXXX to access or furnish information to your credit bureau. 

If such proof can not be provided, I formally request the immediate deletion of this entry from my credit report in accordance with your obligations under the FCRA. 

Upon completion of your investigation, please provide me with an updated copy of my credit report reflecting any changes made. 

Please consider this letter a formal dispute under 15 U.S.C. 1681i, which requires you to investigate disputed items within 30 days of receipt. If XXXX XXXX can not verify the legitimacy of the entry, it must be removed from my report. 

Attached are copies of my identification and proof of address for verification purposes. 

Thank you for your cooperation and prompt attention to this matter.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation