Consumer complaint received 2024-10-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (IL)

XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX : Collections : CREDIT COLLECTION SERVICE Violations : XXXX I contacted XXXX XX/XX/XXXX regarding Unauthorized accounts, inaccurate and unverifiable information associated with my credit report ( unauthorized hard inquiries, collections and now violations ) XXXX didnt respond. I sent a reinvestigation letter on XX/XX/XXXX to the CFPB for investigation, XXXX didnt respond until XXXX XXXX. I sent all relevant information to XXXX on XX/XX/XXXX, This is a violation of my rights and privacy. 
Violation : XXXX never sent me a written notice of debt or proof of any agreement signed between myself and the institution Violation : XXXX never sent me any notice regarding information whos requesting the debt Violation : XXXX is reporting unverified information on my card report I would like this account deleted, and the previous unauthorized inquiries deleted as well. 
I am seeking monetary relief per violation or/and the immediate removal of all unverified information. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall. ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; content Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or theconsumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( b ) Disputed debts if the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, thedebt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}