Consumer complaint received 2025-10-24 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX To : Credit Collection Services XXXX CREDIT COLL ) XXXX XXXX XXXX XXXX XXXX MA XXXX Re : Formal Demand for Validation and Removal of Alleged Debt Account # XXXX Amount : XXXX To Whom It May Concern, This letter serves as a formal dispute and demand for validation of the alleged debt listed above, which you are reporting as a collection account. I do not acknowledge this debt, and I am requesting proof that you have the legal right to collect or report it. 

This request is made under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. You are not permitted to assume this debt is valid until you have provided the proper documentation listed below. 

You Must Provide the Following : The original signed contract or agreement between myself and the original creditor showing I am legally obligated for this debt. 

A complete chain of assignment or title, including all transfers or sales of the account from the original creditor to your agency. Each must include names, dates, and signatures. 

Proof of ownership or assignment showing that Credit Collection Services legally owns this account and has the authority to collect on it. 

A complete and itemized accounting from the original creditor explaining how the balance of {$210.00} was calculated, including all transactions, fees, and adjustments. 

The name, address, and contact information of the original creditor, along with the date the account was opened and charged off. 

Copies of all communications or billing statements allegedly sent to me, with proof of delivery. 

Proof of your license and authorization to collect debts in the State of Georgia, including license number and bonding information.

Legal Notice : A billing statement or account printout does not constitute proper validation under the FDCPA. Providing such documents will be considered a willful violation of 15 U.S.C. 1692g ( b ), which requires that collection activity must cease until proper verification is obtained and mailed to the consumer. 

If you can not provide verifiable proof of authorization, you must immediately : Delete this collection account from all credit reporting agencies. 

Cease all collection activity related to this alleged debt. 

Confirm in writing that this account has been permanently removed from your system. 

Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Georgia Attorney Generals Office. I will also pursue civil remedies for violations under 15 U.S.C. 1681n, 1681o, and 1692k.

This is not a request for an explanation or a summary it is a demand for complete, verifiable proof. If you can not produce the required documentation within 30 days, you are legally obligated to delete this account and cease reporting it to any credit bureau. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

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