Debt collection -- False statements or representation -- Complaint #20354969
Complaint Overview
Complaint ID: 20354969
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: Pennsylvania
ZIP Code: 19082
Date Received: 2026-03-17T12:00:00-05:00
Date Sent to Company: 2026-03-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
RE : Formal Dispute of Inaccurate Credit Information Under 15 U.S.C. 1681 Dear XXXX Dispute Department, I am writing to formally dispute inaccurate and unverifiable information appearing on my XXXX credit report, in accordance with my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), ( 15 U.S.C. 6802/ 15 U.S.C . 6801 ). After reviewing my XXXX credit file, I have identified the following accounts that are being reported incorrectly and/or without proper verification. I am requesting that XXXX investigate these matters and remove any information that can not be verified as accurate, complete, and legally reportable. Disputed Accounts : Credit Collection Services- Date Reported : XX/XX/year> | Balance : {$410.00} These accounts appear to be inaccurate, duplicated, and/or unverified. I am requesting that XXXX conduct a reasonable investigation as required by law and provide competent verification of each account, including but not limited to : -Provide verification for each account -The original creditors name and address -The date of alleged delinquency -Proof that I am legally obligated for the debt -Documentation bearing my signature or other proof that I am legally obligated for these debts -Proof that the reporting furnisher has the legal right to collect and report this debt If the above information can not be verified with the appropriate documentation, I request that these accounts be deleted immediately from my credit report. Please note that reporting unverifiable or inaccurate information constitutes a violation of the FDCPA and Fair Credit Reporting Act. If these matters are not resolved within the statutory 30-day investigation period, I reserve all rights to pursue further remedies available to me under federal law. If you are unable to verify these accounts as required by the Fair Credit Reporting Act, I request that they be deleted from my credit file and that I be provided with an updated copy of my credit report reflecting these changes. Please send written confirmation of the results of your investigation to the address listed above. Thank you for your prompt attention to this matter.
Frequently Asked Questions
What is Complaint #20354969 about?
Complaint #20354969 was filed against Ccs Financial Services, INC. regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2026-03-17T12:00:00-05:00.
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.