Consumer complaint received 2022-08-02
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
As a federally protected consumer I am identifying that Credit Collection Services ( Credit Collection Services ) was never given my permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. Credit Collection Services was notified within the 30 days of the initial collection communication dated XX/XX/2022, that this account was in dispute and that it needed to Cease and Deist communication, but Credit Collection Services continued to proceed with further action by contacting me again on XX/XX/2022, and XX/XX/2022, and on XX/XX/2022, then subsequently placed this alleged debt on my consumer profile with XXXX, XXXX, and XXXX. 
Not only has Credit Collection Services violated my consumer rights, but the reporting this alleged account to the credit reporting agencies, but XXXX, XXXX, and XXXX have broken the law by not performing the proper due diligence and verification of the alleged debt and allowing this item to be placed on my personal credit profile, while causing me harm to me and my reputation. Credit Collection Services, along with reporting agencies have violated 15 USC 1681 ( a ) ( 4 ) to ensure accuracy and fairness in reporting by reporting reporting erroneous information without first consulting with me the consumer. As none of these parties have any proof that the transaction referenced on your consumer report took place. 
I am noting that Credit Collection Services has committed multiple violation under the FCRA and the FDCPA by furnishing this alleged debt on my consumer report. These violations are as follows : 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) - report containing information solely as to transactions or experiences between the consumer and the person making the report. You were not party to this alleged transaction, thus was never authorized by me to report the alleged transaction. These alleged services were with XXXX XXXX. 

15 USC 6802 ( 1 ) - a financial institution may not disclose nonpublic personal information to a nonaffiliated third party. Credit Collection Services is nonaffiliated third party as it relates to this alleged transaction.

15 USC 1692f - unfair collections practices - ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. I have verified with alleged original creditor there was never a contract for these alleged services. Credit Collection Services was not provided with an agreement between me and the alleged creditor XXXX. There is no contract that exist for these services, nor does XXXX have any documentation that authorizes the release of any my personal information. An invoice is not a validation of debt.

15 USC 1692 j ( a ) - It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Again, you were not party to this alleged transaction, regardless of representing that you were retained by such alleged creditor. 

15 U.S.C. 1681c-2 ( c ) ( 1 ) ( c ) - provide consumer with any valid or actual documentation validating this account or obtaining proof validating that I had obtained possession of any goods, services, or money because of the alleged transaction.

15 USC 1692d ( 2 ) - The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Your representatives indicate all calls are recorded for monitoring and quality assurance purposes, and specifically on XXXX XXXX XXXX, at approximately XX/XX/XXXXthe Credit Collection Services rep was rude and forcefully told me this was my account, that this account was to be paid immediately before additional action would be taken. This rep refused to provide his name, nor employee, however this should be identifiable verified based on date, time and consumer reference account. 

I am requesting the Credit Collection Services remove this alleged account from my consumer report immediately. If no action is taken in apart by Credit Collection Services within 15 days of receiving this certified letter, I will proceed to I file litigation for actual damages caused and Credit Collection Services will be held criminally liable for aggravated identify theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Additionally, formal complaints are being filed at the time of this notice with CFPB, the Federal Trade Commission, and the Office of the Attorney General of Texas.

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