Consumer complaint received 2022-06-07
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My name is XXXX XXXX and Credit Collection Services is trying to collect alleged debt from me and place a collection on my credit. Report dated XX/XX/XXXX although they never send letters to accurate address XXXX XXXX XXXX address XXXX, Florida XXXX XXXX XXXX  states I owe on policy - XXXX in the amount of {$1400.00} Then they say 2 months later {$750.00} but nobody At both companies ccs or progressive sent any written information to validate the new debt. 

I have not lived at the old addresses since XXXX however they claim to send letter there and also lied that they email in which I have no email correspondence no phone call. This debt is not mines but I was not even given a chance before they reported it to the credit bureau. 

I have all my XXXX policies who was my insurer at the time and XXXX  should not have billed be as I had canceled with them as I had XXXX and I only wanted a quote from progressive not a policy! 

Ccs did not do their due diligent and I request they remove the collection now as they did not validate this debt with me the consumer. 



without any type of debt validation. I never received any documentation validating this alleged debt. 

**Attached is the letter too. I need this account removed now because it's 100 % inaccurate. File # : XXXX I am filling this complaint against credit collection services which has illegally reported a derogatory account on all 3 credit bureaus I have never opened an account with this company nor have I received any debt validation from them regarding this debt this has caused undue stress and has hurt my credit worthiness and chances of obtaining a mortgage please correct this miss information I have included these billing adjustments please delete this debt from your records and off all 3 credit bureaus within the 30 day allotted time frame as this debt is no longer valid any continuation in the collection of this debt will be considered harassment. 

Credit Collection Services has violated my rights under:15 U.S.C. **** 602 A : States i have the right to privacy 15 U.S.C. **** Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instruction.Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. Credit Collection Services is in violation of 15 U.S.C ****. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. Credit Collection Services is in violation of 15 **********. ( B ) ( 2 ). Any Debt collector communicating with any person other than the consumer for the purpose of acquiring location about the consumer shall not state such consumer owes any debt Credit Collection Services is in violation of 15 **********. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. Credit Collection Services is in violation of 15 U.S.C ****. ( D ) ( 2 ). The us of obscene or profane language or language the natural consequence of which is to abuse the hearer or rea

Company response to consumer: Closed with explanation