Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint against Credit Control Service for multiple violations of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
Summary of Violations 1. Failure to Provide Debt Validation ( 12 CFR 1006.34 ( b ) ( 5 ) ) Credit Control Service has failed to provide validation information for an alleged debt they claim I owe. Despite this, they reported this account to consumer reporting agencies, thereby violating their obligations under federal law.

2. Denial of My Right to Dispute ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) I was not provided the opportunity to dispute this account, as required under federal law. The agency d
id not inform me of my right to dispute or provide adequate time to exercise this right.

3. Deceptive and Misleading Practices ( 12 CFR 1006.34 ( d ) ) Credit Control Service has engaged in deceptive and misleading practices by reporting inaccurate information to consumer reporting agencies without proper validation or required disclosures.

4. Unlawful Furnishing to Consumer Reporting Agencies ( 15 USC 1681-S 2 ( 7 ) ( A ) ) The collection agency has no authority to report this debt to consumer reporting agencies without fulfilling their legal obligations to disclose and va
lidate the debt. Their actions represent a clear violation of my rights under the FCRA.

Relief Requested I respectfully request the following actions : 1. Immediate investigation into Credit Control Services practices and their compliance with the FDCPA and FCRA. 2. Immediate removal of the disputed account from my credit report with all consumer reporting agencies.

3. Written confirmation that Credit Control Service ceases all reporting and collection activities related to this account until they comply with federal laws.

4. Assurance that Credit Control Service provides complete debt validation, including : o Proof that I am legally obligated to pay this debt.

o The purchase agreement between Credit Control Service and the original creditor.

o Proof that Credit Control Service is licensed and bonded to operate as a collection agency in my state.

Additionally, I want to revoke all forms of communication from Credit Control Service via phone, text, or email, as permitted under FDCPA [ 15 U.S.C. 1692c ]. Any future communication must be conducted in writing and sent to the address listed above.

Conclusion Credit Control Services actions have caused unnecessary harm to my creditworthiness and financial well-being. I urge the CFPB to ensure they investigate and respond to this matter within 14 days of receiving this complaint, as required by their legal obligations. Swift action is necessary to hold them accountable for their violations and to protect my consumer rights. 
Thank you for your attention to this matter. I look forward to your response regarding the resolution of this complaint. 
Sincerely, XXXX XXXX

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