Consumer complaint received 2021-05-19
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a third party collection agency who appears to have bought my personal information, I have never heard of them nor done business with them. I sent them a dispute letter I wrote myself as follows : Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX To whom it may concern : I am in receipt of your communication of an alleged debt owed sent to myself, The Consumer dated XX/XX/2021 You are in violation of multiple laws by contacting me as I have not only never heard of your company, I have never done business with you so there is no way I could owe you ANY debt. I will state the laws below, and submit a copy of this dispute/complaint to the Consumer Financial Protection Bureau to be used, should you wish to challenge federal law. 

I have given you no permission to contact me, or report this alleged debt listing private information unlawfully to XXXX  or XXXX Use of my information without my prior written consent is by definition identity theft, defamation of my character and a violation of my right to privacy. 

Under 15 U.S.C. 1681b Permissible Purpose of Consumer Reports ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

Under 15 U.S.C. 1681 Congressional Findings and Statement of Purpose ( a ) Accuracy and Fairness of Credit Reporting The XXXX makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for a consumers right to privacy. 

Under 15 U.S.C 1691a Definitions ; Rules of Construction ( d ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. 
( e ) The Term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit. 

Under 15 U.S.C. 1692c Communication in Connection with Debt Collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection of the collection of any debt- Under 15 U.S.C. 1692d Harassment or Abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with a debt without limiting the general application of the foregoing, the following conduct is a violation of this section ; ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader I am demanding you cease and desist all collection attempts, delete/not resell my private information any further, and permanently delete this account from ALL consumer reporting agencies you have sold it to if the agency has not done so already. Your statement made that This is an attempt to collect a debt and any information obtained will be used to do so in your letter is embarrassing, threatens the use of my information without my consent, and is obscene language to me. Thank you for your prompt response to this matter. A copy of these laws are included with this dispute letter for your review.

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