Consumer complaint received 2019-03-06
Company: CCS Financial Services, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received an email from my credit monitoring service. It informed me that my credit score had dropped and that XXXX XXXX  ( XXXX XXXX XXXX ) had illegally posted a collection account I have never heard of nor had an account with this company. My report shows that it was opened on XX/XX/XXXX with a balance of {$110.00}. I have no know knowledge of this company nor this debt. I have never had an account with them. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. I have always understood that, if I receive a letter from a debt collector and do not respond within 30 days, they can automatically assume that the alleged debt is mine. Again, I have absolutely no knowledge of this account with them. I understand that, under the FDCPA guidelines for collection agencies, that, in order for me to go further with this account, I need ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED in BLUE ink from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of this alleged debt they say I owe. If I would have gotten anything in the mail from this company before they illegally reported to my credit report, I would have responded immediately within the 30 days by acknowledging that I have no knowledge of this debt with them and would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation affidavit, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can legally validate this debt. But again, I never received such a letter about this account ever in the mail. They have illegally posted and reported to my credit file file without adhering to the FDCPA laws. When I got the email on XX/XX/XXXX, I proceeded to contact them via phone number that was listed on the account ( XXXX ) to find out more about this alleged debt and illegal reporting. The automated line said my call would be transferred to a customer service agent to assist me, but I was continuously left on hold. There is no other contact information, but by phone. Im not sure if this a scam or someone is attempting to hack my credit file or not. What I do know is that this company has broken FCRA and FDCPA laws but reporting a false account to my credit report without informing me through mail, email, phone, etc. My credit score has dropped tremendously in the middle of purchasing a home. Please help me get his account removed immediately. I have spoken to a consumer protection attorney who is prepared to sue this company for punitive damages for illegal debt collection practice violation under the FCRA and FDCPA because of the damages to my credit and opportunity costs with the purchase of my home and business ventures that have to be delayed until this illegal account is removed. 
XXXX XXXX XXXX ( CCS ) XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX ACCOUNT # : XXXX

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