Consumer complaint received 2024-10-27
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc. (FL)

Notice of Dispute and Cease and Desist Alleged Debt Account Number : XXXX Alleged Amount Due : {$1500.00} To The CFPB AND CREDIT COLLECTION SERVICES, I am formally disputing the validity of the alleged debt referenced above and hereby issue a permanent cease and desist regarding any and all forms of communication under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c. Effective immediately, I prohibit Credit Collection Services, and any of its representatives, from contacting me regarding this alleged debt in any manner except as required by law. 
Dispute of Alleged Debt I dispute the existence, accuracy, and validity of this alleged debt with the original creditor, XXXX XXXX XXXX XXXX, as communicated by Credit Collection Services. This debt is to be considered disputed, and I demand verification and substantiation of the amount claimed. 
Cease and Desist : Prohibition of Direct or Indirect Communication I hereby request that Credit Collection Services cease any and all forms of communication with me directly, indirectly, or through any consumer reporting agency. If a consumer has sent a written cease-and-desist letter to a debt collector, the collector must stop direct communication with the consumer including any and all secondary reporting agencies. Reporting or attempting to report information regarding this alleged debt to my consumer credit file constitutes an act of communication and, if done without my consent, will be a violation of my rights under 15 USC 1692c.

Reporting to Credit Bureaus as " Communication '' Credit Reporting and FDCPA : Reporting a debt to a credit bureau is be considered a form of " communication '' under the FDCPA, as it conveys information about the consumer 's debt to a third party. 
Cease-and-Desist Requests : If a consumer has sent a valid written cease-and-desist letter to a debt collector, the collector must stop direct communication with the consumer. However, reporting information to credit bureaus is DEEMED as a form of indirect communication. 
Legal Consequences and Potential Fines for Non-Compliance Please be advised that violations of the FDCPA, including unauthorized communication, carry statutory penalties of up to {$1000.00} per infraction. Any attempt to engage in unauthorized communication, including reporting to consumer credit agencies, may be subject to these penalties. Continued violations will be documented and pursued to the fullest extent under federal law, including seeking statutory damages for each infraction. 
Notice to Comply If this matter remains on my credit report, or if any attempt is made to contact me about this debt in violation of this request, I will seek all available remedies under the law to protect my rights and hold Credit Collection Services accountable. 
Thank you for your prompt attention to this matter. Kindly acknowledge receipt of this letter within XXXX business days and cease all further actions related to this matter.