Consumer complaint received 2024-07-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (LA)

Upon reviewing my credit report a few months ago, I identified a collection account from CCS Collections, which I had no prior knowledge of. I was never informed of the addition of this collection account to my credit report, which alleges that I owe {$470.00}. This came as a shock since I do not recall any such debt. Consequently, I initiated disputes with all three major credit bureaus, requesting verification of this debt and all pertinent legal documentation, as mandated by Louisiana state and federal law. 

Timeline of Actions and Non-Compliance : XX/XX/year> : I submitted my initial dispute to the credit bureaus, requesting : Verification of the debt. 
Provision of all legal documentation supporting the debt claim. 
Proof of the original creditor and evidence that CCS Collections has the legal authority to collect this debt. 
My request was based on my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. Despite the statutory requirements, I did not receive any of the requested documents. 
XX/XX/year> : I mailed a second dispute reiterating my initial request. I explicitly stated : I previously disputed this account stating : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it, or delete this account. I do not agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 
Under the FCRA, credit bureaus are required to verify disputed information within 30 days. The FDCPA mandates that debt collectors provide verification of the debt upon request. Yet, CCS Collections failed to comply, violating 15 U.S.C. 1692g and 15 U.S.C. 1681i. 
XX/XX/year> : I sent a third dispute, asserting my disagreement with the amount owed and the accounts open date. I requested : Please provide the last billing statement from the original creditor showing the amount due and the date it was due, or delete this account. 
Again, CCS Collections did not provide the requested documentation. This failure to respond violates my rights under both the FCRA and the FDCPA. Additionally, this lack of response may constitute a violation of XXXX Unfair Trade Practices and Consumer Protection Law ( LUTPA ), La. R.S. 51:1401 et seq., which prohibits unfair or deceptive practices in the conduct of any trade or commerce.

Legal Violations : 1. Fair Credit Reporting Act ( FCRA ) : Failure to provide documentation supporting the debt claim within the 30-day period for dispute resolution ( 15 U.S.C. 1681i ).

Failure to ensure accuracy and completeness of the information reported ( 15 U.S.C. 1681e ).

2. Fair Debt Collection Practices Act ( FDCPA ) : Failure to validate the debt upon request ( 15 U.S.C. 1692g ).

Engaging in false, deceptive, or misleading representation in connection with the collection of the debt ( 15 U.S.C. 1692e ).

3. Louisiana Unfair Trade Practices and Consumer Protection Law ( LUTPA ) : Engaging in unfair or deceptive acts or practices in the conduct of commerce ( La. R.S. 51:1405 ).

Despite my repeated efforts to resolve this matter and obtain the required documentation, CCS Collections has consistently failed to comply with the aforementioned legal requirements. Therefore, I request that this account be deleted from my credit report immediately.