Debt collection -- False statements or representation -- Complaint #17929129
Complaint Overview
Complaint ID: 17929129
Company: Ccs Financial Services, INC.
Product: Debt collection
Sub-Product: I do not know
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Florida
ZIP Code: 34769
Date Received: 2025-11-26T12:00:00-05:00
Date Sent to Company: 2025-11-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
CFPB COMPLAINT CREDIT COLLECTION SERVICES ( XXXX ) {$63.00} I am filing this formal complaint because a collection agency has placed an account on my credit reports that does not belong to me, and I have never had any obligation, contract, agreement, or relationship with this collector. Their actions are damaging my credibility, harming my financial reputation, and violating multiple federal laws under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). This collection agency is reporting false, inaccurate, incomplete, and entirely unverifiable information on my XXXX XXXX XXXX XXXX reports without my consent, without a permissible purpose, and without providing a single piece of real evidence proving I owe this alleged debt. This is outrageous, negligent, and unlawful under federal regulations. Under FCRA 15 U.S.C. 1681e ( b ), furnishers and credit bureaus must ensure maximum possible accuracy, yet this collector is reporting unverified information that has no contractual basis and no supporting documentation. Under FCRA 15 U.S.C. 1681b, no entity may obtain or furnish my personal information without written authorization, which I have never provided. Under FDCPA 15 U.S.C. 1692g, a debt collector must produce real validation an original contract with my wet-ink signature, a full itemized payment ledger, chain of title, assignment agreements, and any insurance claim records. This collector has provided none of these required documents. Their refusal or inability to validate the debt, combined with their continued reporting, constitutes willful noncompliance, reckless disregard for federal law, and an attempt to collect a debt that is not legally connected to me. For these reasons, I am requesting immediate CFPB intervention. LEGAL VIOLATIONS FCRA 15 U.S.C. 1681e ( b ) : Credit bureaus must maintain maximum possible accuracy. FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : A reasonable investigation requires competent evidence. FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Unverifiable accounts must be deleted. FDCPA 15 U.S.C. 1692g : CCS failed to provide : Original signed contract Payment history Insurance claim documentation Full chain of title Assignment agreements FCRA 15 U.S.C. 1681b : I never gave written consent for CCS to obtain or furnish my information. REQUEST FOR ACTION I request the CFPB : 1. Investigate CCS 2. Require validation 3. Order deletion if they can not validate MY INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX Phone : XXXX Email : XXXX XXXX
Frequently Asked Questions
What is Complaint #17929129 about?
Complaint #17929129 was filed against Ccs Financial Services, INC. regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-11-26T12:00:00-05:00.
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 (Debt collection) 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.