Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Subject : Formal Complaint Against Credit Collection Services Invalid Debt Collection and Reporting Practices** Dear CFPB Team, I am submitting a formal complaint against Credit Collection Services ( CCS ) for attempting to collect an invalid debt that does not belong to me. I have received multiple letters from CCS claiming that I owe a debt related to XXXX, but the debt is invalid, inconsistent, and unverified. Their actions raise serious concerns about compliance with the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

Summary of the Issue : Details of the Alleged Debt : CCS claims I owe {$2000.00} on an account with XXXX ( Account Number : XXXX ). 
A separate letter from CCS offers a " settlement '' of {$1000.00}, which significantly contradicts the original amount claimed. 
These discrepancies further question the accuracy and legitimacy of the debt. 
This Debt Does Not Belong to Me : I do not owe this debt, and CCS has not provided adequate proof that this debt is tied to me. 
There is no record of any agreement or obligation with XXXX that would justify this balance. 
Failure to Provide Debt Validation : Under the FDCPA ( 15 U.S. Code 1692g ), I have requested validation of the debt, including : A detailed breakdown of the charges that make up the alleged debt.

Proof of assignment or purchase of the debt by CCS. 
Documentation from the original creditor proving the debt is legitimate. 
CCS has not provided any of the required documentation to validate the debt. 
Potential Violation of FCRA : If this debt has been reported to credit bureaus, it violates the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ( b ) ), which requires that only accurate and verifiable information be reported.

Reporting unverified or inaccurate debts causes unnecessary harm to my credit profile and financial standing. 
Unfair Collection Practices : CCS has sent multiple letters claiming different amounts owed, which adds to the confusion and demonstrates a lack of accurate accounting.

Their tactics appear to be designed to pressure payment without proper validation, violating the FDCPA. 
Actions Requested : I am requesting that the CFPB investigate Credit Collection Services for the following : Verification of Debt Collection Practices : Determine whether CCS has violated the FDCPA by attempting to collect an unverified debt and failing to provide proper validation. 
Review of Reporting to Credit Bureaus : Ensure that any reporting of this debt to credit bureaus is immediately removed until the debt is fully validated.

Corrective Action : Require CCS to cease all collection activity on this alleged debt unless it can be properly validated. 
Impose penalties if CCS is found to have violated consumer protection laws. 
Supporting Documentation : I am prepared to provide the following supporting documentation upon request : Copies of the letters I received from Credit Collection Services with inconsistent and inflated balances. 
Correspondence disputing the debt and requesting validation. 
This situation has caused significant stress and raises serious concerns about predatory collection practices. I trust that the CFPB will take appropriate action to hold Credit Collection Services accountable and ensure compliance with federal regulations. 

Thank you for your time and attention. Please feel free to contact me if additional information is needed. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief