Consumer complaint received 2023-03-21
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX CCS Collections XXXX XXXX XXXX XXXX, MA XXXX Re : SECOND NOTICE - Dispute of Collection Account ( XXXX ) - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to you for the second time to formally dispute the collection account referenced above, which is currently being reported on my credit report. I have reason to believe that CCS Collections, the agency that collected this debt, did not have the authority to collect debts in Illinois. Additionally, I have discovered that your agency is not registered with the Secretary of State of Illinois nor with the Illinois XXXX XXXX XXXX XXXX XXXX XXXX 

In compliance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Illinois Collection Agency Act, 225 ILCS 425/1 et seq., I request that you provide the following information : 1. Proof of your license to operate as a collection agency in Illinois.

2. A detailed account of the original debt, including the original creditor ( XXXX ), the date the debt was incurred, and the total amount of the debt. 
XXXX. Documentation proving that CCS Collections had the legal authority to collect on the aforementioned debt within Illinois. 

Your lack of response to my initial request, which included these demands, is a violation of the FDCPA, specifically 1692g ( b ), requiring you to cease collection activities until you provide the requested validation. 

Furthermore, I paid the original debt in full to CCS Collections for the XXXX account on XX/XX/XXXX. Despite my payment, your agency continues to report status updates to the collection as of today. This ongoing reporting may constitute a violation of the XXXX XXXX reporting guidelines, which are widely recognized as the industry standard for credit reporting compliance. 

Therefore, I demand that you immediately remove any negative information related to this account from my credit report and correct any XXXX XXXX compliance violations. 



If your agency has violated any provisions of the FDCPA, the Illinois Collection Agency Act, or XXXX XXXX reporting guidelines, I expect the deletion of the collection account from my credit report and a written confirmation of the omission to be sent to me within 15 days of the date of this letter. If you can not provide the requested information and confirm the deletion of the collection account from my credit report within the specified timeframe, I will take further action to protect my rights, including filing a complaint with the Illinois Attorney General, the Consumer Financial Protection Bureau ( CFPB ), the Illinois XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), and seeking legal representation. 

Please note that legal precedents are relevant to this matter : 1. Heintz v. Jenkins, 514 U.S. 291 ( 1995 ).

2. Henson v. Santander Consumer USA Inc., 137 S. Ct. 1718 ( 2017 ) ; 3. Jerman v. Carlisle, McNellie, Rini, Kramer & Ulrich LPA, 559 U.S. 573 ( 2010 ) ; 4. Spokeo , Inc. v. Robins, 136 S. Ct. 1540 ( 2016 ) ; 5. Miller v. McCalla, Raymer, Padrick, Cobb, Nichols, and Clark, L.L.C., 214 F.3d 872 ( 7th Cir. 2000 ). 

These cases address various aspects of debt collection practices and the FDCPA and may have implications for your conduct. Additionally, state regulations, such as the Illinois Collection Agency Act, may have precedents relevant to this dispute. 

I strongly advise you to review these legal precedents and ensure that your actions are in compliance with the FDCPA, the Illinois XXXX XXXX XXXX, and the XXXX XXXX reporting guidelines. If your agency continues to disregard the law and my rights as a consumer, I will not hesitate to take legal action. 

I expect the deletion of the collection account from my credit report, a correction of any XXXX XXXX compliance violations, and a written confirmation of these actions to be sent to me within the specified 15-day period. Failure to comply may result in further action on my part to protect my rights and seek appropriate remedies, including filing complaints with the Illinois Attorney General, the Consumer Financial Protection Bureau ( CFPB ), and the Illinois XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 












Thank you for your prompt attention to this matter.

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