Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
FORMAL REQUEST FOR DOCUMENTATION Re : Validation of Alleged Account To : Credit Collection Services ACCOUNT XXXX XXXX I. REQUEST FOR DOCUMENTATION Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and Uniform Commercial Code ( UCC ), I am formally requesting the following documentation to validate the alleged debt and establish legal ownership and standing to collect : Complete Chain of Title / Chain of Custody from the original creditor to Credit Collection Services, including all intermediate assignments.

Forward Flow Agreement or Receivables Purchase Agreement governing the sale or transfer of the account. 

Executed Contract of Assignment or Bill of Sale demonstrating that Credit Collection Services acquired full legal rights and title to enforce or collect on the account. 

Original Signed Credit Agreement and Full Account-Level Documentation substantiating the amount and terms of the alleged obligation. 

Service Agreement or Collection Authority Contract establishing the legal capacity under which Credit Collection Services is attempting to collect. 

II. LEGAL AUTHORITY This demand is supported by multiple federal and contractual authorities : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The court held that failure to produce the chain of title and governing purchase agreements constitutes insufficient validation under federal law. Merely providing a data printout is inadequate ; proof of assignment and ownership is mandatory. 

Uniform Commercial Code ( UCC ) 9-203 ( a ) & ( b ) A secured party or assignee can not claim an interest in an account or receivable unless there is ( 1 ) a valid contract of assignment, ( 2 ) value given, and ( 3 ) rights in the collateral.

UCC 9-210 ( a ) ( c ) Gives the debtor ( consumer ) the right to request an accounting and to demand documentation showing the assignment, ownership, and amount of the obligation.

Contract Law Principles Under general contract law, a party asserting rights under an agreement bears the burden of proving a valid transfer or assignment. Without producing the executed purchase agreement and corresponding schedules identifying the account, there is no admissible evidence of ownership or privity of contract.

III. NOTICE OF POTENTIAL VIOLATIONS If the above documentation is not produced through this CFPB process and Credit Collection Services continues to report this account or engage in collection activity, such actions will constitute : Willful violations of the FDCPA, 15 U.S.C. 1692e, 1692g ( b ) ; and Violations of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), for furnishing or verifying inaccurate information.

You are further directed to cease all collection efforts, cease communication, and cease reporting to any consumer reporting agency, as such reporting constitutes a medium of communication under the FDCPA. 

IV. FINAL NOTICE AND INTENT This serves as final notice. If Credit Collection Services fails to provide full documentation establishing legal ownership and authority to collect, I will pursue all available remedies, including federal litigation for breach of contract, violations of the FDCPA, FCRA, and UCC, and a claim for damages and injunctive relief.

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