Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
The collector failed to provide verification as required under FDCPA 809 ( b ).

The credit bureaus violated FCRA 611 by failing to conduct a reasonable reinvestigation. 

To : Credit Collection Serv, XXXX XXXX XXXX XXXX, MA XXXX, ( XXXX ) XXXX and XXXX XXXX XXXX XXXX  Subject : Formal Dispute of Debt & Notice of Violations FDCPA 15U.S.C. 1692g ( b ), 1692e, 1692f, and FCRA 15U.S.C. 1681s 2 Dear Credit Collection Serv, XXXX XXXX and XXXX  I am formally disputing the alleged debt again that you, Credit Collection Serv have reported with date opened XX/XX/year> and/or are attempting to collect. And also disputing with XXXX XXXX XXXX XXXX who have failed to do diligent investigation. This dispute is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

FDCPA Violations 15U.S.C. 1692g ( a ) You failed to provide the required written validation notice within 5 days of your initial communication and are falsely reporting inaccurate information and fraudulently inserting an alleged unverified debt. 
15U.S.C. 1692g ( b ) After I disputed the debt, you did not cease collection activity until verification was provided. Reporting the alleged debt to a credit bureau is considered collection activity under established case law and CFPB guidance.

15U.S.C. 1692e False or misleading representation by reporting the debt as valid while unverified.

15U.S.C. 1692f Unfair practices, including damaging my credit with unverified and disputed information.

FCRA Violations 15U.S.C. 1681s 2 ( a ) Furnishing information you knew or should have known was inaccurate.

15U.S.C. 1681s 2 ( b ) Failure to conduct a reasonable investigation after receiving notice of dispute from the consumer reporting agencies.

Demand for Action Immediate removal/deletion of the unverified tradeline from all credit reporting agencies. 
Cessation of all collection activity until proper validation is provided.

Written verification of the alleged debt, including : I am requesting written verification of the following documents pursuant to the State of Nevada law. 

XXXX. Name, address, number and date of License for Credit Collection Serv to collect in the State of Nevada, XXXX XXXX. 
2. Name of Manager and Manager Certificate for Credit Collection Serv, XXXX XXXX, XXXX XXXX 3. Copy of Bond for Credit Collection Serv XXXX XXXX XXXX. If not required to hold a license, then, Credit Collection Serv, must have a Certificate of Registration as a Foreign Collection Agency and be bonded, XXXX XXXX XXXX. Copy of the original agreement with original creditor XXXX XXXX XXXX or contract with creditors name, address, full account number and terms of agreement signed wet by the consumer. 
XXXX. Copy of the last billing statement with original creditor, XXXX XXXX XXXX, the charge-off date, the last payment date, the transaction date, amount owed and first date of delinquency. 
7. Copy of the Bill of Sale or receipt dated from the original creditor XXXX XXXX XXXX that your company, Credit Collection Serv, purchased the alleged consumer debt. 
8. Copy of the Consent of Disclosure document of Confidential Personal Information i.e. Full name, middle, last, Full address, Full Social Security Number, Date of Birth with the consumer wet signature and date specifying privy personal confidential information that may be disclosed to Credit Collection Serv, the purpose of the disclosure and the identity of Credit Collection Serv to whom the disclosure may be made.

Please note that continued reporting or collection of this debt without proper validation is a willful violation of federal law, exposing the consumer, XXXX XXXX, to statutory damages ( FDCPA up to {$1000.00} per violation ), actual damages, and attorneys fees. 

If you do not correct these violations immediately of this notice, I will consider all legal remedies available, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my states Attorney General, and initiating a private cause of action.

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