Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
CFPB COMPLAINT SUMMARY Consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX Email : XXXX Phone : ( XXXX ) XXXX Company Complained About : Credit Collection Services ( CCS ) XXXX XXXX XXXX, XXXX, MA XXXX Original Creditor : XXXX XXXX XXXX XXXX Type of Issue : Debt collection / Credit reporting / Unlawful data usage XXXX. Summary of XXXX Credit Collection Services ( CCS ) is reporting a XXXX XXXX XXXX collection account that I fully dispute and demand validation for. Despite sending a formal Debt Validation, Forensic Audit, and Deletion Demand dated XX/XX/year>, the company has not provided any proof of a legitimate debt, contract, or assignment. 

CCS has continued to report the account to XXXX, XXXX, and XXXX  without verification, in violation of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ), 1692e, 1692f ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( b ) ). 

This companys actions have caused harm to my credit and resulted in a denial of credit offers through XXXX. 

XXXX. Specific Violations and Concerns a. Failure to Validate Debt : CCS did not produce any signed contract, billing statement, or proof that I owe any debt to XXXX XXXX  or that CCS has legal authority to collect. 

b. Unauthorized Data Use and Privacy Breach : I requested disclosure of how my personal identifiers ( including my Social Security number ) were obtained and shared, since there is no verified contract authorizing XXXX XXXX or CCS to store or transfer that data. Under XXXX XXXX. XXXX ( Privacy Act ) and XXXX XXXX. XXXX ( XXXX XXXX ), such handling of PII without consent is unlawful. 

c. Failure to Correct or Delete False Information : Under 15 U.S.C. 1681s-2 ( b ), CCS was required to notify all credit bureaus of my dispute and delete unverifiable data. They have not done so, and the tradeline remains visible on my XXXX  report. 

d. Omission of Required Disclosures : CCS has refused to disclose whether the alleged account has been insured, securitized, or otherwise monetizedinformation necessary to confirm whether the account has been satisfied through insurance, bond, or revenue proceeds as requested. 

XXXX. Supporting Legal and Evidentiary Context My Michigan UCC Financing Statement No. XXXX ( filed XX/XX/year> ) lawfully perfects a security interest in all personal identifiers, financial instruments, and contracts under MCL 440.9203, 440.9308, and 440.9310. Any unauthorized access, monetization, or reporting of that collateral constitutes conversion, fiduciary breach, and discrimination under 15 U.S.C. 1691a and MCL 37.2302 ( b ). 

I have formally placed CCS on notice of these obligations and requested full accounting, insurance disclosure, and deletion of any unverified tradeline. No response has been received. 

XXXX. Requested CFPB Action I request that the CFPB investigate and require Credit Collection Services to : Cease all collection and reporting activity until full validation is produced. 

Provide all documentation proving contractual authority, ownership, and lawful handling of my identifiers. 

Disclose all insurance, securitization, or monetization instruments connected to this account. 

Instruct all credit bureaus to delete the XXXX XXXX collection account immediately. 

Provide written confirmation of compliance and remedial measures. 

XXXX. Attachments Provided Debt Validation, Forensic Audit, and Deletion Demand ( dated XX/XX/year> ) XXXX  Report XXXX XXXX Mutual / CCS ( XX/XX/year> ) Michigan UCC Financing Statement No. XXXX

Company response to consumer: Closed with explanation