Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11223432
Complaint Overview
Complaint ID: 11223432
Company: Ccs Financial Services, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Difficulty submitting a dispute or getting information about a dispute over the phone
State: Texas
ZIP Code: 761XX
Date Received: 2024-12-19T12:00:00-05:00
Date Sent to Company: 2024-12-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
CREDIT CONTROL SERVICE is reporting two collection accounts on my credit report, but I never received correspondence from the original creditor notifying me of an alleged debt being sold to a third party. Additionally, CREDIT CONTROL SERVICE is not authorized to transact business in the state of Texas, as their registration has been forfeited due to inactivity. This raises serious concerns about the legality of the companys acquisition and reporting of these accounts. I am requesting the immediate removal of both XXXX and XXXX my credit report. The original creditor could not verify this information, and CREDIT CONTROL SERVICE has failed to provide the following : 1. A copy of their state license, including the license number authorizing them to collect in Texas. 2. The purchase agreement for the alleged debt. 3. Documentation showing my agreement to pay this debt with my signature. 4. Authorization permitting the company to access and report my personal information. Your unauthorized use of my Social Security number constitutes identity theft, and I will report this violation accordingly. I have attached my findings for reference, and I demand the immediate removal of these accounts to avoid further legal repercussions.
Frequently Asked Questions
What is Complaint #11223432 about?
Complaint #11223432 was filed against Ccs Financial Services, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2024-12-19T12:00:00-05:00.
How did Ccs Financial Services, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Ccs Financial Services, INC.?
Yes, visit the Ccs Financial Services, INC. company profile at readthecomplaint.com/company/ccs-financial-services-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.