Consumer complaint received 2022-12-02
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is a dispute to show that CCS COLLECTIONS and XXXX XXXX are not creditors and should not be listed on my consumer credit report. 

Using as an example XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX- XX/XX/XXXX XXXX XXXX. 

And it says : To the limited extent to which it is set forth in the declaration the transaction before us is similar to that in the XXXX case. There the insured was offered a plan under which the annual premium could be paid in ten installments with a down payment of ten percent plus a flat monthly service charge. If an installment were not paid when due, the sole remedy available to the insurer was cancellation of the policy. Indeed, in the event of cancellation for any reason, the insurer could make no claim for any premium earned for coverage already provided but not paid for by the insured. The court concluded that the insurer was not a creditor of the insured, that the transaction was not a consumer credit transaction and was not subject to the Truth-in-Lending Act. XXXX v. XXXX XXXX. XXXX, It also states : the Federal Reserve Board have consistently taken the position that insurance premium financing plans " in which the customer is not obligated to make remaining payments but may elect to cancel at any time by simply not paying an installment when due, would not create the creditor-debtor relationship required before a transaction becomes subject to [ the disclosure requirements of ] Regulation Z. '' XXXX XXXX of XX/XX/XXXX Now as per the following U.S. Codes : 1 ) 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( I ) report containing information solely as to transactions or experiences between the XXXX XXXX and XXXX XXXXmaking the report. 

2 ) 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person ( And no one there has been authorized in writing to do so. ) With that being said you have five business days to remove any and all traces of this from all 3 agencies if not done in 5 business days I will meet with my attorney to discuss further action. 

Also with the fact CCS COLLECTIONS, has a negative remark on my credit report via XXXX stating that I owe an alleged debt for {$1000.00}. The Original Creditor was XXXX XXXX. I have no contract with CCS COLLECTIONS. They have submitted a negative credit report. Which is a violation of 15 USC 1692d ( 1 ). Amongst other violations committed. I do not owe them anything I do not know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating False representation. All caps name, stating consumer owes debt 15 USC 1692b ( 2 ). They are in Communication without prior consent violation of 15 USC 1692c ( a ). They are using false, deceptive or misleading representations in violation of 15 USC 1692e. The communication between CCS COLLECTIONS and XXXX XXXX about me is in direct violation of my privacy per the Privacy Act of XXXX

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