Consumer complaint received 2024-02-19 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:
To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. 
This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. 
I demand to see verifiable proof of original contract with my wet signature on it that you have on file for the account listed below. I require this clarification in order to address the billing error for the said accounts. 
Please provide me with the below mentioned items : *The amount you claim the respondent owes you *An explanation showing me how you have computed the amount. *Copies of any documents that prove I agreed to pay the alleged amount *The identity of the original creditor *Confirmation that the account has not crossed the statute of limitation ( SOL ) period *Evidence that you are a licensed debt collector *Evidence of your license numbers and your registered agent. *Chain of Title of ownership of the debt *Error & Omissions Insurance I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any or my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : Violation of the Fair Credit Reporting Act/ F.C.R.A Violation of the F.D.C.P.A. 
Defamation of character 18 USC 894 31 USC 3729-3733 18 USC 1028A Kindly be advised that any activities undertaken during the verification process that may be deemed harmful to any of my credit records will result in legal action. This encompasses the inclusion of inaccurate or unsubstantiated details on a credit report, or asserting the correctness of an amount without providing proof of its veracity. 
Once the necessary documentation is furnished by your organization, I will require a minimum of thirty ( 30 ) days to review it and will insist on receiving confirmation that any payments made must be in accordance with appropriate commercial guidelines 1 of 3 should the debt be found legitimate, as the U.S. Congress has established a proper mechanism for debt settlement through House Joint Resolution ( H.J.R. ) 192 of June 5, 1933 under United States Public Law 73-10 and Public Law 48 stat. 112. Failure on the part of your agency/company to respond to this validation request within 10 days of receiving my notice and affidavit will require the immediate removal and correction of the account information in your records. As per 15 USC 1692 ( i ), it is imperative to note that this statute prohibits debt collectors from pursuing legal actions without due process. Furthermore, I formally request that all communication from your agency/organization be conducted in writing and directed to the specified address in this correspondence. I hereby notify you that any attempts to make repetitive or automated calls to either myself or any third parties will be considered harassment and will result in legal recourse. Your cooperation in this matter is greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief