Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I am writing to file a formal complaint regarding the actions of CREDIT COLLECTION SERVICE in relation to an alleged debt they claim I owe. Despite numerous requests, CREDIT COLLECTION SERVICE has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have proceeded to place a collection entry on my consumer report.

Furthermore, I have not been afforded the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). It is evident that CREDIT COLLECTION SERVICE are violating my consumer rights by employing false, misleading, and deceptive means in their collection practices.

The collection agency has no authority to furnish any account to consumer reporting agencies without providing all disclosures required by law. Their actions are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

I dispute owing all debts to CREDIT COLLECTION SERVICE and demand that they cease all communication with me via email, text, or phone calls, as I am exercising my rights to revoke these forms of communication under the Fair Debt Collection Practices Act ( FDCPA ). 

Additionally, I request that CREDIT COLLECTION SERVICE provide : XXXX. Debt validation, including detailed information regarding the alleged debt, the original creditor, the original account number, and any documentation supporting their claim. 

XXXX. The purchase agreement between CREDIT COLLECTION SERVICE and XXXX XXXX XXXX XXXX XXXX to establish the validity of their claim. Provide a copy of my signature in personal agreement that allows CREDIT COLLECTION SERVICE to purchase this account and begin to report the debt to my personal consumer report. As well, I am requesting this contract between XXXX XXXX XXXX XXXX XXXX  and CREDIT COLLECTION SERVICE, because it will state CREDIT COLLECTION SERVICE purchased this debt with the knowledge of this account not being 100 % accurate, as well without my consent to purchase, and last but not least this negative item is noit following the 5 bullet points of compliance that are in place by the XXXX, which threatens the integrity of validity of this being reported on my personal consumer report. 

XXXX. Furnish proof of licensing and bonding to operate as a debt collector in the state of Illinois. 

XXXX. A copy of certified mail receipt. I am unaware of this debt ; I did not properly have an opportunity to dispute this information. If in fact, if CREDIT COLLECTION SERVICE believes they have provided proper notification please provide a copy of certified mail receipt. I am requesting you provide the receipt because the date of mail will be 5-7 days prior to the item being reported. Not only will my signature be present on the agreement but it will support that CREDIT COLLECTION SERVICES took proper procedures giving me the opportunity to properly address this item being reported on my personal consumer report. If you can not provide this information, please remove this item from my credit report.

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