Date Received: 2017-10-14T00:00:00
Product: Other debt
Issue: Attempts to collect debt not owed
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: I have a debt showing up on my credit report that is not mine. I disputed this debt with the three major credit reporting bureaus on XX/XX/XXXX and they were not able to validate. On XX/XX/XXXX, I sent a certified letter to Credit Collection Services asking them to validate this debt and they sent me a final bill. I do not owe this debt and would like to have it removed from credit file from all of the major report agencies.
Company: CCS Financial Services, Inc.
State/Zip: GA 300XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 2702053
The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.
Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.
In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.