Consumer complaint received 2025-04-09 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: MI

Complaint narrative:
Subject : Demand for Reinvestigation, Immediate Deletion of Inaccurate Accounts, and Cease & Desist To Whom It May Concern, This letter serves as a formal demand under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681 and all applicable state laws, requiring your agency to conduct a reinvestigation into the accuracy and completeness of the accounts listed.

{ dispute_item_and_explanation } I have identified potential errors, omissions, and unverifiable information, and I demand an immediate deletion of any and all inaccurate, incomplete, or unverifiable accounts per 15 U.S.C. 1681i ( a ) ( 5 ).

DEMAND FOR DOCUMENTATION Pursuant to federal law, I require the following within 30 days of receiving this notice : A copy of the original contract with my wet-ink signature, proving I entered into a legally binding agreement.

A full history of the alleged account, including all transactions, payments, and any modifications.

Proof of ownership of the alleged debt and the legal right to report it under 15 U.S.C. 1692g ( b ).

Proof that your agency is legally authorized to collect debt in my state, including a copy of your licensing or registration.

Proof that you have not violated the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by reporting or attempting to collect this debt without proper verification.

Failure to provide this documentation constitutes an admission that no valid debt exists, and as such, all negative reporting must be immediately deleted from my credit file.

CEASE AND DESIST DEMAND In accordance with 15 U.S.C. 1692c ( c ), I am demanding an immediate cease and desist of all communication regarding this matter. You are prohibited from contacting me via phone, email, mail, or any other method except to provide written confirmation of compliance with this request.

Furthermore, I demand that you return this account to the original creditor if you can not provide absolute proof of validity. Any further attempts to collect this debt without proper verification will be considered a willful violation of federal law and will result in immediate legal action.

LEGAL NOTICE If this matter is not resolved within 30 days, I will pursue all legal remedies available to me, including : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General.

Pursuing a lawsuit for violations of the FCRA and FDCPA, which may result in statutory fines of up to {$XXXX} per violation plus damages and legal fees under 15 U.S.C. 1681n and 15 U.S.C. XXXX. 
This letter serves as official notice. Any continued reporting of unverifiable information will be considered defamation of character, willful negligence, and a violation of my consumer rights. 

Failure to comply will not be tolerated. I expect an official written response, along with the requested documentation, within XXXX  days from the date of this letter.

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