Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> Credit Collection Services Account XXXX XXXX Attn : Compliance Department RE : NOTICE OF DISPUTE, DEMAND FOR DEBT VALIDATION, CEASE AND DESIST, AND CREDIT REPORTING DISPUTE To Whom It May Concern : I am writing regarding the account you claim I owe. This letter serves as my formal notice that I dispute the validity, accuracy, and completeness of the alleged debt in its entirety. Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), I demand that you provide competent evidence that I have a legal obligation to pay this alleged debt. Until such validation is provided, you must cease all collection activity. Specifically, I request the following : The name and address of the original creditor. A complete accounting of the alleged debt, including principal, interest, fees, and charges. Copies of any contract, agreement, application, or instrument bearing my signature. Documentation showing that your company has legal authority to collect this debt. Documentation proving the chain of assignment or ownership of the account. The date of first delinquency and payment history. Verification that the debt amount reported to consumer reporting agencies is accurate. Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), I dispute any information that your company has furnished or is furnishing to any consumer reporting agency. If you have reported this account to any credit bureau, I demand that you conduct a reasonable investigation and provide documentary evidence supporting every reported data field. If you can not provide the requested documentation, you must immediately : Cease all collection efforts ; Delete any tradeline associated with this account from all consumer reporting agencies ; Notify any credit bureau to which you have furnished information that the account is disputed ; and Correct or remove any inaccurate, incomplete, misleading, or unverifiable information. Furthermore, pursuant to my rights under the FDCPA, I demand that you cease and desist from all telephone communication with me. All future correspondence must be in writing and sent to the address listed above. Be advised that continued collection activity without proper validation, reporting information known to be inaccurate, or failure to mark the account as disputed may constitute violations of federal law, including but not limited to the FDCPA and FCRA. I reserve all rights to document and pursue any available remedies for noncompliance. This letter is not a refusal to pay, nor is it an acknowledgment of liability. It is a notice that your claim is disputed and validation is required before any further collection activity may lawfully continue. Please provide the requested documentation within thirty ( 30 ) days of receipt of this letter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX of SS # XXXX

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