Product: Debt collection

To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX Subject : Formal Complaint Against CKS Prime Investments , LLC ________________________________________ Background and Complaint Summary I am filing this formal complaint to address serious concerns with the reporting practices of CKS Prime Investments , LLC ( CKS Prime ). A debt attributed to me, with an open balance of {$700.00}, is reported under this entity as placed for collection and marked disputed. Despite my good-faith efforts to seek validation and clarification, CKS Prime has failed to produce adequate documentation or substantiation to support the legitimacy of this debt.

CKS Prime has not provided : 1. A copy of the original agreement signed by me that establishes my liability for this debt.

2. A detailed and itemized statement of the debt, including the basis for any interest, fees, or charges assessed.

3. A clear and complete chain of title proving that CKS Prime has legal ownership and the authority to collect the alleged debt.

Their inaction and lack of transparency raise significant concerns regarding compliance with federal and state consumer protection laws.

________________________________________ Legal Framework and Apparent Violations CKS Primes failure to respond appropriately and substantiate this debt appears to be in violation of several key consumer protection laws, including but not limited to : Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( Debt Validation and Verification ) : This statute requires debt collectors to provide, upon request, sufficient validation of a debt, including a copy of the original signed agreement. CKS Prime has not fulfilled this obligation.

15 U.S.C. 1692e ( False or Misleading Representations ) : Reporting or attempting to collect a debt without adequate proof constitutes deceptive and misleading behavior.

Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ) : Credit furnishers are required to ensure that all reported debts are accurate, verifiable, and substantiated. The continued reporting of an unverified debt suggests a breach of this duty. 
15 U.S.C. 1681c ( Obsolete Information ) : This provision limits how long negative information, such as a debt in collections, may remain on a credit report. The absence of clarity regarding the Date of First Delinquency raises additional questions about compliance.

State-Specific Legal Violations ( Georgia ) Georgia Fair Business Practices Act ( FBPA ) : Prohibits unfair or deceptive acts or practices in consumer transactions, including the misrepresentation or lack of substantiation of debts.

________________________________________ Evidence of Procedural and Substantive Deficiencies Based on my review of the account reported by CKS Prime, I have identified the following procedural and substantive deficiencies : 1. Failure to Validate the Debt : CKS Prime has not provided legally required validation or documentation to establish my liability or the legitimacy of the debt. 2. Deficien
t XXXX XXXX Compliance : The reporting appears to lack adherence to XXXX XXXX credit reporting standards, further raising doubts about its accuracy. 
3. Ambiguity in Ownership and Authorization : No clear chain of title has been provided to demonstrate that CKS Prime has legal authority to collect or report this debt. 
________________________________________ Relief and Remedial Action Sought In light of these issues, I respectfully request that the CFPB : 1. Investigate CKS Prime Investments , LLC : Conduct a thorough review of their debt collection and reporting practices to determine compliance with federal and state laws.

2. Demand Full Validation of the Debt : Compel CKS Prime to produce the following : o A signed original agreement establishing my liability for the debt.

o A detailed account history of the debt.

o A comprehensive chain of title showing all transfers of ownership or assignment of the debt to CKS Prime. 
XXXX. Ensure Deletion of the Disputed Account : Require CKS Prime to remove the account from my credit reports if they fail to provide sufficient validation.

4. Impose Penalties for Non-Compliance : Enforce fines or other corrective actions if systemic violations are identified.

________________________________________ Conclusion The actions of CKS Prime Investments , LLC appear to undermine the integrity of credit reporting and debt collection practices, not only harming me but also potentially affecting other consumers. I urge the CFPB to investigate this matter and take appropriate action to ensure compliance and accountability. 
Thank you for your attention to this matter. I look forward to your response. 

Attachments : 1. ) Copy of my driver license 2. ) Copy of the trade line on my credit reports Sincerely, XXXX XXXX XXXX XXXX