Consumer complaint received 2026-03-25 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: AZ

Complaint narrative:
Re : Formal Dispute Credit Collection Services ( on behalf of XXXX ) FCRA, FDCPA XXXX XXXX XXXX Violations Collection Agency : Credit Collection Services Original Creditor : XXXX To Whom It May Concern : I am formally disputing the above-referenced tradeline currently appearing on my consumer credit report. This account, reported by Credit Collection Services on behalf of XXXX, contains multiple inconsistencies, incomplete data, and clear violations of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX reporting standards, and the Fair Debt Collection Practices Act ( FDCPA ). After reviewing my reports across all three nationwide consumer reporting agencies, I have identified significant discrepancies that call into question the accuracy, integrity, and legal compliance of this account. 1. Inconsistent Account Classification Across Credit Bureaus ( FCRA Violation ) This account is being reported differently across consumer reporting agencies : - XXXX : Reported as a collection account with status unpaid - XXXX : Reported as an open account with comment placed for collection - XXXX : Reported as a collection account with recurring collection status An account can not simultaneously be classified as both an open account and a collection account. This is a fundamental contradiction and reflects a failure to comply with standardized reporting requirements under XXXX XXXX. This violates : - FCRA 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy - FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishing inaccurate or misleading information 2. Improper Continuous Reporting of Collection Status ( FCRA XXXX XXXX XXXX Violations ) XXXX is reporting this account as collection every single month from : - XX/XX/XXXX through XX/XX/XXXX - XX/XX/XXXX through XX/XX/XXXX XXXX XXXX XXXX guidelines, collection status is not intended to be reported as a new derogatory status each month in a way that suggests ongoing activity. This type of reporting : - Misrepresents the status of the account - Artificially prolongs the negative impact - Creates a misleading impression of repeated delinquency events This conduct violates : - FCRA 1681s-2 ( a ) ( 2 ) Duty to correct and update inaccurate information - FCRA 1681e ( b ) Maximum possible accuracy requirement -- - 3. Missing and Incomplete Payment History Data ( FCRA & Metro 2 Violations ) - XXXX : No payment history reported- XXXX : No payment history reported - XXXX : Reports a payment summary inconsistent with the other bureaus A collection account must be reported consistently and accurately. The absence of payment history on some reports while present on another demonstrates : - Incomplete and inconsistent furnishing of account data - Failure to comply with XXXX XXXX data field requirements This violates : - FCRA 1681e ( b ) Accuracy and completeness - FCRA 1681s-2 ( a ) ( 1 ) ( A ) Prohibition against inaccurate reporting 4. Contradictory Account Status and Comments ( FCRA Violation ) - XXXX reports the account as open while simultaneously stating placed for collection - XXXX reports status as unpaid - XXXX reports collection account with recurring derogatory entries These conflicting descriptions create confusion regarding : - The true status of the account - Whether the account is active, closed, or in collections This inconsistency is misleading and violates : - FCRA 1681e ( b ) Requirement for clear and accurate reporting 5. Failure to Properly Identify and Validate the Debt ( FDCPA Violations ) As a third-party debt collector, Credit Collection Services is required to comply with the FDCPA. The reporting lacks clear and consistent disclosure of : - The current creditor entitled to collect - Proper validation of the alleged debt - Clear ownership and assignment details This may constitute violations of : - FDCPA 1692g ( a ) Failure to provide proper validation and identification of the creditor - FDCPA 1692e ( 2 ) ( A ) False representation of the character, amount, or legal status of a debt - FDCPA 1692e ( 8 ) Communicating credit information known or that should be known to be false 6. Questionable Data Integrity and Furnisher Reliability The following contact information is listed for the furnisher : XXXX XXXX XXXX XXXX XXXX XXXX| ( XXXX ) XXXX I request verification that this entity is properly authorized to report this account and that all furnished data complies with XXXX XXXX standards. Any failure to verify further supports deletion. Demand for Resolution Due to the numerous inconsistencies and violations outlined above, I demand the following : 1. A reasonable reinvestigation pursuant to FCRA 1681i 2. Verification of this account using competent, documented evidence, not automated systems 3. Correction of all inaccurate, inconsistent, or incomplete data fields across all reporting segments 4. Immediate deletion of this tradeline if it can not be verified as fully accurate and compliant Notice of Intent to Escalate Failure to properly investigate and correct these violations will result in escalation, including : - Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) - Filing complaints with the Federal Trade Commission ( FTC ) - Pursuing legal remedies for willful noncompliance You are required to complete your investigation within 30 days of receipt of this dispute. Please provide written confirmation of your findings. Sincerely, XXXX XXXX XXXX

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