Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX: Request for immediate removal of inaccurate information from my credit reportXXXXTo Whom It May ConcernXXXX am in receipt of my credit report and noticed an account claiming that I owe your company for a debt. The specific account in question is:XXXX Name: XXXX XXXX XXXX XXXXThe following account is listed incorrectly on my credit report. Please verify the method of reporting and provide a validation of this account or please remove this from my credit reportXXXX remove it from my credit report.XXXX  to the Federal Fair Debt Collection Practices Act, I have a right to have the alleged debt validated by you.XXXX  have to date, received no proof that I owe your company any debt and I am requesting that you forward to me full and proper documentation as evidence of this alleged debt. As per the FDCPA, it is a violation for any debt collector to pursue collection activity on an account without notifying the debtor in writing within XXXX  days after any communication. Additionally I am allowed XXXX  days to dispute the validity of the debt. If you are unable to provide me with proper proof then you must stop attempting to collect this alleged debtXXXX you continue to claim I owe a debt that you cannot confirm with proof then you will be in direct violation of the FDCPA. Additionally, any attempt on your part to report this alleged debt to my credit reports will be a violation of the Fair Credit Reporting ActXXXX forward your documentation to me upon receipt of this certified letter. Please note that proper documentation is not a print out or bill from you but rather actual proof of the debt's existence which should includeXXXXThe name and address of the original creditor.XXXX  detailed account of the alleged debt, including the amount owed and the nature of the debt specifically the services provided.XXXXVerification or a copy of any documents that demonstrate my agreement to pay this debt, specifically a contract bearing my signature.XXXX that your company is licensed to collect debts in my state.XXXX XXXX that your company has been assigned the right to collect this debt on behalf of the original creditor, including an agreement that states that I would be liable to pay someone other than the original creditor.\XXXX the last point, it is essential for you to demonstrate that you have the legal authority to collect this debt on behalf of the original creditor. I must be assured that I have given my explicit consent to allow your agency to pursue collections related to this debt. Without proper proof of assignment, your collection efforts may be in violation of the FDCPA.XXXX want to emphasize that until I receive the requested validation and documentation, I do not acknowledge any liability for this alleged debt. It is crucial for you to provide me with this information to avoid any further violations of the FDCPA.XXXX be advised that if you fail to provide the requested validation and proof of assignment within the prescribed time frame or if you cannot substantiate the accuracy of this debt, I will not hesitate to take the necessary actions to protect my rights and interests. I will lodge complaints with the Consumer Financial Protection Bureau (CFPB) and any other appropriate regulatory agencies to address your non-compliance with the FDCPA and to seek a resolution in this matter.\nFurthermore, I want to make it clear that if this inaccurate and unverified debt is not promptly removed from my credit report, I will have no choice but to take legal action against your company. I am prepared to pursue all available remedies under the law, including but not limited to filing a lawsuit for violations of the FDCPA and seeking damages for any harm done to my credit standing.XXXX sincerely hope that it does not come to this, and I trust that your company will act responsibly and in accordance with the law. I expect your prompt attention to this matter and request a response within XXXX  days from the date of receipt of this letter.XXXX  send all correspondence related to this matter to the address listed above.XXXXThank you for your understanding and cooperationXXXX XXXX XXXX XXXX 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