Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13834304
Complaint Overview
Complaint ID: 13834304
Company: Ccs Financial Services, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: North Carolina
ZIP Code: 27565
Date Received: 2025-06-01T12:00:00-05:00
Date Sent to Company: 2025-06-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally dispute the following derogatory accounts being reported to the credit bureaus ( XXXX XXXX XXXX XXXX ). These accounts are inaccurate and should be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i Requires reasonable reinvestigation of disputed items. 15 U.S.C. 1681e ( b ) Requires maximum possible accuracy of credit reporting. 15 U.S.C. 1681c Governs the reporting of outdated or unverifiable information. FCRA Section 605B Entitles identity theft victims to block fraudulent items. I am disputing the following accounts : XXXX. XXXX, XXXX {$64.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$220.00} Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX {$350.00} Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX {$390.00} Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX {$560.00} Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX {$570.00} Opened XX/XX/XXXX These debts are either : Not mine, Result from identity theft ( as my personal data was exposed in multiple data breaches ), or Have been sold or transferred without proper documentation or contract validation. I have filed an FTC Identity Theft Report, which documents my identity being compromised. Under Section 609 ( a ) ( 1 ) of the FCRA, I am requesting full validation of each of these accounts, including original signed contracts, billing history, and proof of ownership. If such evidence can not be provided, these items must be removed immediately under Section 611 ( a ) ( 5 ). These companies have likely acquired this information through unlawful or unverifiable means, and continued reporting constitutes a violation of my consumer rights.
Frequently Asked Questions
What is Complaint #13834304 about?
Complaint #13834304 was filed against Ccs Financial Services, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-06-01T12:00:00-05:00.
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.