Consumer complaint received 2022-07-25
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX CEASE and DESIST ORDER As of XX/XX/2022, Pursuant to 15 USC 6801-Protection of nonpublic personal information, I, XXXX XXXX XXXX XXXX A Federally Protected Consumer, did NOT Credit Collection Services or XXXX XXXX XXXX XXXX of Credit Collection Services, WRITTEN instructions on obtaining my nonpublic personal information such as my name, social security number, date of birth, etc., from XXXX XXXX XXXX XXXX. Pursuant to 15 U.S.C 6809 ( 4 ) ( A ), The term, nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any services performed for the consumer; or ( iii ) otherwise obtained by the financial institution. Which means that Credit Collection Services obtained my nonpublic personal identifiable financial information from XXXX XXXX XXXX XXXX without my WRITTEN lawful authority or consent. Pursuant to 18 U.S.C 1028A ( a ) ( 1 ) ( 2 ), WHOEVER, during and in relation to any felony violation enumerated in subsection ( c ), knowingly TRANSFERS, POSSESSES, or USES, WITHOUT LAWFUL AUTHORITY, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. I am aware that this is considered AGGRAVATED IDENTITY THEFT, transferring another persons information without that persons lawful consent. Pursuant to 15 U.S.C 1692c ( a ), I did not directly give Credit Collection Services or XXXX XXXX XXXX XXXX of Credit Collection Services lawful authority or consent to communicate with me, XXXX XXXX XXXX, in connection with the collection of any debt. I am aware that Credit Collection Services and XXXX XXXX XXXX XXXX of Credit Collection Services is in violation of the Fair Debt Collection Practices Act by damaging my credit due to furnishing my nonpublic personal information to Consumer Reporting Agencies. Pursuant to 15 U.S.C 6802, Credit Collection Services and XXXX XXXX XXXX XXXX of Credit Collection Services is XXXX XXXX XXXX the Gramm-Leach-Bliley Act by transferring my nonpublic personal information to Consumer Reporting Agencies which is a nonaffiliated third-party. Pursuant to 15 U.S.C 1692c ( b ) -Communication with a third party without prior consent of the consumer, Credit Collection Services may not communicate in connection with the collection of any debt with ANY person ( any individual person, as well as natural or legal entity ). I am aware that Consumer Reporting Agencies are legal entities ; Pursuant to 18 U.S.C 2510 ( 6 ). Pursuant to 15 USC 1692d Credit Collection Services has violated the Fair Debt Collection Practices Act by oppressing and abusing my financial reputation in connection with an alleged debt. Pursuant to 15 U.S.C 1692c ( c ), I hereby order and XXXX Credit Collection Services and XXXX XXXX XXXX XXXX of Credit Collection Services to REMOVE the Account from my Consumer Report, Cease and Desist communication with XXXX XXXX XXXX and my Consumer Report within 7 days of receipt. If Credit Collection Services, and XXXX XXXX XXXX XXXX of Credit Collection Services fails to comply with these specified remedies, Credit Collection Services and XXXX XXXX XXXX XXXX of Credit Collection Services shall be fined and is subject to pay for damages in the actual amount up to exceed {$1000.00} ( PER VIOLATION ) pursuant to 15 U.S.C 1692k ( a ) ( 1 ) ( 2 ) ( A ) ( 3 ) ( d ), I am aware that attempting to collect an extension of credit, and to punish any person for the nonrepayment of is a violation of Federal Law Pursuant to 18 U.S.C. 894 ( a ) ( 1 ) ( 2 ), Credit Collection Services and XXXX XXXX XXXX XXXX of Credit Collection Services shall be fined under title 18 or imprisoned or both for not more than 20 years or both!!! 
With Prejudice, XXXX XXXX XXXX, A Federally Protected Consumer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation