Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
To Whom It May Concern, This is your final and non-negotiable demand for deletion of every single collection account youve fraudulently furnished to the credit bureaus under my name. Im not here to ask for deletion. Im letting you know your unlawful behavior has been caught, documented, and is being escalated. Your responses, your validation failures, and your broken audit trail have all been legally preserved. I am 50 steps ahead of youand this is your last chance to walk away before you get buried in full-scale legal consequences. Let me break it down. 1. You Furnished Without Ownership That Is Fraud You do not have the chain of title. You do not have a contract. You do not have a bill of sale that names me or my alleged account. You have no legal standing to furnish anything on my credit file. Saying we own the account means nothing. Without assignment proof, your reporting is illegal. Period. There is no gray area here. No debate. No internal records loophole. You furnished data you were never allowed to furnish. 2. You Report Without Proof Thats a Violation of FCRA 623 ( a ) ( 1 ) You have never had the required documentation before you reported this tradeline. Verification later doesnt save you. The law is clear : If you dont have proof when you report, youve violated federal law. This is not a disputethis is exposure. Youve been caught furnishing fake, unverified, and incomplete data in violation of FCRA, FDCPA, and GLBA. 3. You Failed Every Legal Obligation to Validate Let me be blunt : You have no signed contract, no original account records, no billing breakdown, and nothing admissible in court. That means this debt is not just uncollectibleits legally dead. 4. Youre Still Reporting After Refusal to Pay Thats Illegal I refuse to pay. This refusal was made clear. The moment I said that, your reporting became collection activity in violation of FDCPA 1692c ( c ). You are breaking federal law every day you keep that tradeline on my report. 5. You Never Sent Model Notice B-2 That Alone Kills Your Case Where is your timestamped Model Notice B-2? You didnt send one. You cant prove you did. That makes your entire tradeline void under FCRA 1681m ( a ) ( 7 ). 6. You Violated Federal Privacy Law ( GLBA 6802 ) You can not access or transmit my personal financial data without proving a permissible purpose. You have none. You are not the original creditor. You have no agreement with me. That means youve been illegally trafficking my data without authorization. Thats not just a violationits a federal privacy crime. 7. You Manipulated Dates and Balances Re-Aging Confirmed Your tradelines show balance inflation, inconsistent dates, and active re-aging to keep these accounts alive past their expiration. Thats a direct violation of FDCPA 1692f ( 1 ) and FCRA 1681c. 8. Your Documentation is Garbage Let me be clear : Internal documents = inadmissible Generic screenshots = worthless You can view this online = unlawful stall tactic None of this is validation. None of it holds up legally. Youve submitted zero legally sufficient evidence. And that alone demands deletion. Your furnishing of this data is unverified, unlawful, and constitutes willful noncompliance with federal law. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Gramm-Leach-Bliley Act ( GLBA ). Violations Committed by Each Collector : You Furnished Unverified Data ( FCRA 623 ( a ) ( 1 ) ( A ) ) You furnished data without documentary evidence or legal proof of assignment. Hinkle v. Midland ( 827 F.3d 1295 ) confirms that a collectors internal records do not meet the standard of verification. Federal courts have ruled this practice as a violation of 15 U.S.C. 1681s-2 ( b ). You Failed to Prove Ownership ( FDCPA 1692g ( b ) ) You did not provide a bill of sale, schedule A, signed contract, or a complete chain of assignment. Crawford v. LVNV ( 2014 ) and Ritter v. Cohen & Slamowitz support that failure to show assignment = no legal standing. You Rely on Inadmissible Records Collectors like you rely on redacted PDFs and generic ledgers, not original account-level documentation. Chaudhry v. Gallerizzo requires competent evidence. Youve provided none. You Are Reporting Without Permissible Purpose ( GLBA 6802 ( b ) ) You have no audit trail proving that you had the right to access or report my financial information. You Continue to Report After Refusal to Pay ( FDCPA 1692c ( c ) ) Credit reporting is collection activity. I have explicitly refused to pay. Continued furnishing is unlawful. You Are Re-Aging and Inflating Balances ( FCRA 1681c / FDCPA 1692f ( 1 ) ) You have manipulated reporting dates and inflated balances without providing interest schedules or itemized breakdowns. You Ignored My Dispute and Responded with a Stall Stating this is the first time we heard from you does not exempt you from your duty to investigate. 15 U.S.C. 1681s-2 ( b ) mandates a reasonable investigation anytime an account is disputed. You Failed to Provide Model Notice B-2 ( FCRA 1681m ( a ) ( 7 ) ) You never sent a timestamped adverse action notice as required, voiding your right to report this debt. You May Be Reporting a Canceled Debt ( 26 USC 6050P / IRS 1099-C ) If any portion of this debt was canceled or discharged, continued reporting is fraudulent. LEGAL CONCLUSION & STRIKE ORDER Per Hinkle v. Midland ( 11th Cir. 2016 ) and supporting federal rulings : Internal records are insufficient for verification Furnishers must conduct real investigations Lack of ownership or contract = illegal reporting FINAL DEMAND You are hereby ordered to DELETE all accounts associated with my name from XXXX XXXX, and XXXX  immediately. Your response will be reviewed for legal sufficiency. If deletion is not confirmed within 15 days, I will proceed with the following : Filing official complaints with the CFPB, FTC, and State Attorney General Issuing litigation under FCRA 1681n and FDCPA 1692k for statutory and punitive damages Public exposure of your tactics and inclusion in multi-party complaint actions This is your FINAL opportunity to correct your illegal furnishing. I am fully prepared to escalate. Sincerely, FINAL CONCLUSION : DELETE THIS IMMEDIATELY Your agency has now committed multiple violations, including : FCRA 623 ( a ) ( 1 ) ( A ) FDCPA 1692c ( c ), 1692e, 1692g ( b ) GLBA 6802 IRS Code 6050P ( if any cancellation occurred without 1099-C ) FCRA 1681s-2 ( b ) ( failure to reinvestigate ) FCRA 1681m ( a ) ( 7 ) ( failure to issue Model Notice B-2 ) FDCPA 1692f ( 1 ) ( unlawful amounts ) IMMEDIATE ACTION REQUIRED : DELETE THESE ACCOUNTS FROM ALL BUREAUS WITHIN 15 DAYS. If not, I will : File regulatory complaints with CFPB, FTC, IRS, and my State AG Escalate to civil litigation seeking damages for each violation Pursue discovery of your entire XXXX XXXX furnishing process and subpoena your audit trail This is your final warning. Youve already violated the law. Im not giving you an opportunity to investigate. Im documenting your misconduct and forcing deletion. Sincerely,

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