Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Disputed the debt via XXXX to debtor ( CREDIT COLLECTION SERVICE ) Account number XXXX from Experian, I had disputed the entry on my Experian report, however CCS had not provide any proof that my account was in their office. 
They just indicated on the dispute results " updated '' and proceeded to close out the dispute. I never received confirmation or details how they had my account or any related account information about the debt from XXXX. 

The account in question was for the original debt owed to XXXX - Account Number : XXXX Service Address : XXXX XXXX XXXX XXXX XXXX XXXX which was from an old address where I had moved from in XXXX. I am not disputing the amount or this bill. As I paid XXXX directly to close out this account. The dispute is with the debt collection agency, ( CREDIT COLLECTION SERVICE ) this company was trying to collect on an account that had been paid directly to XXXX. When I trying to resolve and informing them it was paid, they could not provide proof that this account was in their office and this collection has affected my credit score. 

Since I had paid XXXX directly, which meant the account was not in their CCS office. When I did contact CCS in XXXX to question them about the update they again provided vague information which confirmed to me, the account was not or was never in their office, they did not provide me with details at all nor did they provide me with the amount owed. 

Since I had paid XXXX directly, which meant the account was not in their CCS office. When I did contact CCS in XXXX to question them about the update they again provided vague information which confirmed to me, the account was not or was never in their office, they did not provide me with details at all nor did they provide me with the amount owed. Also the amount on Experian was not the correct amount provided by XXXX. 

I have followed the dispute process, I contacted the original debtor XX/XX/2020, also contacted XXXX as well, where the records they have are accurate. I have disputed the debt in writing informing that debt settled directly with XXXX. I feel they were trying to collect on a debt already paid, hence the reason for dispute. To be clear, no proof by debtor CCS nor did they provide me with the original debtor 's account information ( XXXX ) was provided to me, none of the details such as my account number and amount owed, which is in violation of the debt collection business practices and dispute process to be followed by debt collection agencies. 

I contacted the agency in XX/XX/2020. This debt collection agency ( CREDIT COLLECTION SERVICE ) was unprofessional and uninformative to the consumer. I want this collection deleted from my records as the debt collector did not follow the proper process, even though I called and tried to resolve the issue directly with them as stated in the consumer debt process and I also tried to discuss directly with the agency where I felt there was inaccuracies. CCS was rude and vague and refused to work with me to resolve. I feel if they had the accurate information, they should be forth coming and provide the details to me as the consumer on the debt owed. The only information from them was indicated on XXXX it was resolved.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation