Consumer complaint received 2025-09-07 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: MO

Complaint narrative:
Re : Account Number XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor : Progressive Insurance To Whom It May Concern, I am formally disputing the above-referenced account in its entirety. I hereby demand both Debt Validation and Debt Verification, along with disclosure of the Method of Validation and Method of Verification you used to report and verify this account with the credit reporting agencies. 

Debt Validation Demands ( FDCPA 15 U.S.C. 1692g ( b ) ) Provide : A copy of the original XXXX XXXX policy or agreement bearing my signature. 


A complete itemized statement of all alleged charges, premiums, and payments. 


Documentation proving your legal right to collect on behalf of or in place of XXXX XXXX. 


A copy of any debt notices you are required to provide under 12 CFR 1006.34.

Proof of compliance with the No Parking Rule ( 12 CFR 1006 ) if this account was reported to credit bureaus prior to notice.

Debt Verification Demands ( FCRA 15 U.S.C. 1681i ) Provide : The name, address, and telephone number of the party you contacted to verify this debt.

The documents, account records, or evidence reviewed during verification. 


The exact date the verification was performed. 


Copies of any communications between you and the consumer reporting agencies ( CRAs ) regarding this account. 


An explanation of how you determined the information furnished to Experian, Equifax, and TransUnion was accurate ( 15 U.S.C. 1681e ( b ) ).

Method of Validation & Method of Verification Disclose the specific method of validation used before reporting this account to the CRAs. 


Disclose the exact method of verification used when responding to a CRA dispute, including identification of the person or entity contacted and the records reviewed. 



Legal Basis & Rights 12 CFR 1006 No Parking Rule : Debts may not be reported without prior notice.

12 CFR 1006.34 Notice for Validation of Debts : Validation information must be provided.

15 U.S.C. 1692c ( c ) Ceasing Communication : You must honor any written cease-communication request.

15 U.S.C. 1681e ( b ) Accuracy of Report : CRAs and furnishers must ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Treatment of Inaccurate Information : Inaccurate information must be deleted or corrected after investigation. 



Formal Demands Provide all documentation requested above for both validation and verification. 


Suspend reporting of this account until validation and verification are complete. 


If you can not provide full validation and verification, delete this account from all credit bureau reports immediately. 


Failure to comply will result in complaints filed with the CFPB, FTC, and the XXXX  XXXX  XXXX XXXX, along with consideration of civil litigation for violations of the FDCPA and FCRA. 
This letter is sent in good faith, with no waiver of my rights under applicable law. 
Respectfully, XXXX XXXX

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