Consumer complaint received 2022-08-04
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I sent ( 2 ) Letters in XX/XX/2022 and XX/XX/2022 to Alleged Debt Collection Company " CREDIT COLLECTION SERVICE '' who is reporting fraudulent & unvalidated information. 
" CREDIT COLLECTION SERVICE '' are allegedly stating I have alleged debt of {$190.00} but I never contracted to do business with them ; The Alleged Debt Collection Company " CREDIT COLLECTION SERVICE '' provided insufficient validation that did not follow my request. 
" CREDIT COLLECTION SERVICE '' had ( 15 ) days to provide the correct request to validate the debt which they did not ; It has been more than ( 45 ) days ; I requested the following from Alleged Debt Collection Company " CREDIT COLLECTION SERVICE '' as I was never notified of this alleged debt collection. 
I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. I am requiring the following exactly as instructed : An explanation of what this alleged account balance is for. 
A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation that shows I agreed to pay this debt with my signature ; documentation shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft which you will be reported for such. 
The Agreement that grants you authority to collect on this alleged debt. 
A copy of your state license, including license number that give you rights to collect in my state. 
The purchase agreement Any Executive Officer to Swear under penalty of perjury you were present during the alleged debt Alleged Debt Collection Company " CREDIT COLLECTION SERVICE '' has to understand reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 
Alleged Debt Collection Company " CREDIT COLLECTION SERVICE '' have committed the following FDCPA Violations as they are sending deceptive forms making false belief that I owe them anything. 15 USC 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile and furnish any form knowing that such form would be used to create 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. I am not participating in the collection of this alleged debt. Stop contacting me about this or any other matter you have. Cease and Desist ASAP and delete this account from these Credit Reporting Agencies ( XXXX and XXXX ) except to provide me with accurate validation of this debt by US mail only not the same insufficient document you already sent. 
I have also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), CA State Attorney General and The Better Business Bureau to have confirmation of proof. You have another ( 15 ) days from the date of this letter to respond with all items requested and I demand these items to be removed immediately from Credit Reporting Agencies XXXX XXXX ) and 3rd parties or I will seek Monetary compensation damages for all the violations you already committed. 
I do not know this Alleged Debt Collection Company " CREDIT COLLECTION SERVICE '' and never signed any contract with them. 
The Alleged Debt Collection Company " CREDIT COLLECTION SERVICE '' illegally received my personal information without my permission.

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