Consumer complaint received 2019-05-10
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In response to a denial of an extension of credit, this consumer checked with one or more consumer reporting agencies and discovered the following : 1. On or about XX/XX/XXXX, Credit Collection Services  ( hereinafter CCS ) began furnishing negative information about this consumer to one or more consumer reporting agencies. ( See attached Exhibit A ) 2. Upon information and belief, CCS is an admitted debt collector as defined in section 803 ( 6 ) of the Fair Debt Collection Practices Act ( FDCPA ) ( See attached Exhibit D ). As part of CCSs debt collection activities, CCS furnishes information to consumer reporting agencies. As such, CCS is a person or entity subject to regulation and liability under Section 623 of the Fair Credit Reporting Act ( FCRA ), which imposes a series of duties and prohibitions upon any person or entity that furnishes information to a consumer reporting agency. 
3. Section 623 ( a ) ( 7 ) of the FCRA requires that persons or entities such as CCS send to this consumer an initial disclosure announcing that CCS may report  information about this consumer to one or more consumer reporting agencies. Additionally, Section 623 ( a ) ( 7 ) of the FCRA requires that this disclosure be provided to this consumer in writing, prior to, or no later than thirty days after CCS furnishes the negative information about this consumer to a consumer reporting agency. 
4. In connection with the furnishing of negative information about this consumer to one or more consumer reporting agencies, CCS failed to disclose/notify this consumer in writing that it had furnished negative information to one or more consumer reporting agencies, a practice commonly referred to as debt parking.

5. Notice of the debt and that CCS is reporting it is of particular importance to this consumer, the deprivation of which has caused this consumers character, reputation, and/or credit to be unjustly damaged.

6. The acts and practices of CCS alleged within this complaint caused this consumer to send CCS an initial communication on XX/XX/XXXX via certified mail, return receipt requested. ( See attached Exhibits B & C ) 7. Notwithstanding the five ( 5 ) day Notice requirement imposed upon debt collectors such as CCS, in an effort to show good faith, this consumer extended CCS with a period of thirty ( 30 ) days to respond to this consumers initial communication. ( See attached Exhibit C ) 8. Upon information and belief, this consumers initial communication was accepted and received by CCS on or about XX/XX/XXXX. ( See attached Exhibit B ). 
9. Despite this consumers efforts to extend CCS with a reasonable amount of time to respond to this consumers initial communication with substantively admissible facts, it appears that CCS has refused and/or failed to respond to this consumers initial communication. 
10. As of the date of this complaint, CCS continues to willfully and maliciously furnish negative information about this consumer to one or more consumer reporting agencies. ( See attached Exhibit B ) In addition to the foregoing, this consumer does not have in her possession a bonafide record of any transactions executed between CCS and this consumer under the alleged account # ( XXXXXX ) reflected on this consumers report. Therefore, it is reasonable for this consumer to believe that CCS has falsely represented to one or more consumer reporting agencies that CCS holds an account belonging to this consumer. Furthermore, in the absence of such a record, it is also reasonable for this consumer to believe that CCS has used this consumers identifying information without authority to manufacture into existence the alleged account ( # XXXXXX ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation