Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Unauthorized Reporting by Credit Coll XXXX XXXX XXXX XXXX Reported to : XXXX  and XXXX  Account # : XXXXXXXX XXXX Balance : {$100.00} Original Creditor : The XXXX XXXX XXXX XXXX : Illegal Reporting, Data Sharing, and Failure to Validate Debt in Violation of Federal Law Statement of the Problem : I am filing a formal complaint against Credit Coll, a third-party collection entity that is furnishing derogatory information about me to XXXX  and XXXX  on XXXX of XXXX XXXX Insurance Company for an alleged debt of {$100.00}. 
This tradeline was reported on : XX/XX/year> ( XXXX  ) XX/XX/year> ( XXXX  ) Despite this, I have received no prior notice, no communication, and no debt validation as required by law. 


There has been no evidence presented that I owe this debt. No signed contract, billing statements, or itemized charges have been provided. This collection account has been added to my credit profile without my authorization, consent, or verification of any kind, and my personally identifiable information ( PII ), including my Social Security Number, appears to have been accessed and used without a legally valid purpose under federal law.

Violations of Federal Law Include : 15 U.S.C. 1692g ( FDCPA ) Failure to provide validation of the debt after placement for collection 15 U.S.C. 1681b ( a ) ( FCRA ) No proof of permissible purpose for accessing and reporting my consumer data 15 U.S.C. 1681e ( b ) ( FCRA ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681s-2 Prohibits the furnishing of information known to be inaccurate or unverifiable Gramm-Leach-Bliley Act ( GLBA ) Failure to protect consumer financial information from unauthorized use or disclosure FACTA ( Fair and Accurate Credit Transactions Act ) Improper access and handling of sensitive consumer data Requested Action Immediately remove this account from all credit reporting agencies ( XXXX  and XXXX  ) during the investigation process , per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), which mandates prompt removal of unverifiable data.

Require Credit Coll to provide : A copy of the original signed agreement between myself and The XXXX XXXX XXXX The purchase agreement or assignment documentation that authorizes Credit Coll to collect or report on this account A full itemized statement of the debt including charges, dates of service, and any correspondence A written explanation detailing how they obtained my personal information, including my SSN, and under what legal justification If Credit Coll can not produce this information, they must cease and desist all collection activities and permanently remove the account from all consumer reporting agencies. 



Until full validation and legal proof of the alleged debt is presented, this account must be considered in dispute and unverified, and as such, its reporting is both harmful and unlawful. 
I am requesting that the Consumer Financial Protection Bureau investigate this matter fully, and hold Credit Coll accountable for any violations under federal consumer protection laws.

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