I assume the referrence photo is in an en-face position, because if it's in another way I can't be of help.
If it's an en-face photo, then:
1) You can try CrazyTalk 8. It's a Reallusion software which turns 2D photos into 3D heads. However, the photo must be meeting some criterias to be used with CT. Watch some tutorials on youtube and, if you like it, download the trial and give it a try.
2) You can use an overlay program (google and download one), to make the photo transparent, and position it exactly on the head of a CC standard character. From there, using the photo as reference, you can manually edit all the face parts (nose, eyes etc), to match with the photo.
Sorry I can't be of more help, but these are the only two ways I know of.
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Phoenix