Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit collections XXXX XXXX XXXX XXXX, MA XXXX To Whom This May Concern.

This communication is being sent in response to notices from your company and more importantly, due to erroneous reporting to the Credit bureaus, the highly negative impact on my personal credit report.

Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), that your claim is disputed, and validation is requested.

Please provide me with the following : What is the money you say I owe?

Explain and show me how you calculated what you say I owe.

Provide me with copies of any papers that show I agreed to pay what you say I owe.

Provide a verification or copy of any judgement if applicable.

Identify the original creditor.

Proof the Statute of Limitations has not expired on this account.

Show me that you are licensed to collect in my state.

Provide me with your license numbers and Registered Agent or Agent of Service. 

At this time, I will also inform you that your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, XXXX  ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate to bring legal action against you for the following : Violation of Fair Credit Reporting Act.

Violation of the Fair Debt Collection Practices Act.

Defamation of Character.

If your offices can provide proper documentation as requested in the following declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.

Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated; or verifying an account as accurate, when in fact there is no provided proof that it is inaccurate.

If your company fails to respond to this request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy if such deletion to any ( all of the 3 major credit reporting bureaus XXXX, XXXX, XXXX  ) request shall be sent to me immediately.

I would like to request, in writing, that no telephone contact be made by your company in my home or place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment, and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter, by USPS.

It would be advisable that you ensure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. 

Best Regards, XXXX XXXX

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