Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
The account CREDIT COLLECTION SERV ( XXXX ) is incorrectly listed on my credit report as CollectionOrChargeOff, with dates XXXX and XXXX. This mistake is stopping my financing applications. 
As per 15 U.S.C. 1681m, I am requesting the immediate deletion of this account and proof of the {$630.00}.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards ; according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

I am requesting full validation of this debt, including, but not limited to : A copy of the original signed credit card agreement bearing my signature ; A complete itemized accounting of all charges, payments, interest, and fees claimed ; Proof that your agency is legally authorized to collect this specific debt ; and Verification from the original creditor confirming that this alleged account has not been paid, settled, or otherwise discharged.

Until you provide the above documentation, you are in violation of the FDCPA if you continue any form of collection activity including calls, letters, or credit reporting. You are also in violation of the FCRA if you continue to furnish or verify this unvalidated information to any credit reporting agency.

You are hereby placed on notice to immediately cease and desist from all collection activities and communications unless and until you provide proper, complete validation as required by law.

If you are unable to provide full validation within seven ( 7 ) calendar days from receipt of this letter, you are required to : Delete all references to this account from XXXX XXXX XXXX XXXX  ; and Cease all contact with me regarding this matter, as continued collection efforts without validation constitute willful noncompliance under 15 U.S.C. 1681n and 1692k.

If you fail to comply, I will pursue all legal remedies available, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I will also consider a civil action for violations of the FDCPA and FCRA, including statutory damages, actual damages, attorneys fees, and punitive damages as permitted by law.

I am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action.

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