Consumer complaint received 2026-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am filing this complaint against Credit Collection Services for multiple willful violations of federal consumer protection laws, and I am demanding immediate deletion of an account they are illegally attempting to collect and report. FDCPA Violation Failure to Provide Written Notice ( 15 USC 1692g / FDCPA 809 ( a ) ) : Credit Collection Services never mailed me the legally required validation notice within 5 days of their initial contact, which is a clear violation. The only notice they sent was via email, which I did not discover until recently. Under the FDCPA, a collector must mail a physical notice that includes : The amount of the debt The name of the original creditor My right to dispute the debt within 30 days My right to request validation of the debt I was never afforded that opportunity. This failure stripped me of my right to dispute the debt before further collection or credit reporting occurred. E-SIGN Act Violation ( 15 U.S. Code 7001 ) : I never gave affirmative consent or electronic signature permitting email-only notifications. The email Credit Collection Services sent does not satisfy the legal requirements for notice under the E-SIGN Act. A consumer must explicitly agree to receive notices electronically, and Credit Collection Services failed to comply. FCRA Violation Inaccurate Credit Reporting Before Validation ( 15 USC 1681s-2 ( a ) ) : Credit Collection Services furnished information to XXXX XXXX XXXX XXXX without first validating the debt or providing me notice. This is a direct violation of the FCRA, which requires furnishers to : Ensure maximum possible accuracy Investigate disputes properly Refrain from reporting unverified debts The tradeline in question appeared on my reports before I was ever notified and before any documentation was sent. XXXX XXXX Compliance Violation Improper Furnishing Protocol : The XXXX XXXX credit reporting standards ( which XXXXredit Collection Services is bound by as a data furnisher ) require specific handling of disputes, notice periods, and dispute codes ( XXXX XXXX ). They failed to report the dispute properly and furnished negative information without proper notice or dispute handling, violating XXXX XXXX guidelines. FDCPA Violation Misrepresentation and Deceptive Practices ( 15 USC 1692e ) : Credit Collection XXXX falsely represented that I had been properly notified and that the debt was valid. This deceptive behavior is expressly prohibited under FDCPA 1692e ( 10 ). Failure to Provide Validation or Documentation Upon Dispute : Even after I became aware of the reporting and disputed the debt, Credit Collection Services failed to provide any meaningful validation, such as : Proof of the original contract Chain of title Account statements or itemization Proof of assignment They instead responded with generic statements lacking legal sufficiency. This failure violates both the FDCPA and the FCRA 's verification requirements under 611. Credit Collection Services has 15 days from the receipt of this complaint to comply and delete the tradeline. If no resolution is achieved, I am fully prepared to : File suit in federal court under the FDCPA, FCRA, and E-SIGN Act Request statutory damages of up to {$1000.00} per violation, plus punitive damages Seek legal remedies for emotional distress, credit damage, and injunctive relief

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation