Consumer complaint received 2025-03-17 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: NV

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX Subject : Final Demand Immediate Removal of Unverified Debt Due to Legal Violations To Whom It May Concern, This letter serves as your final notice regarding the alleged debt associated with account. Your agencys failure to provide legally required documentation to validate this debt, continued collection attempts, and unlawful credit reporting constitute blatant violations of federal law under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and constitutional due process protections. 

I formally requested debt validation on XX/XX/XXXX, as required under 15 U.S.C. 1692g of the FDCPA. Despite the 30-day legal timeframe, your agency has failed to provide a single piece of substantiating evidence proving that I legally owe this debt. Additionally, you have continued to report this unverified debt to credit bureaus, violating FCRA 15 U.S.C. 1681s-2 ( b ). Your deliberate non-compliance is now a legal matter, and I demand immediate corrective action. 

Violations and Legal Precedents Against Your Agency 1. Failure to Validate Debt FDCPA Violation ( 15 U.S.C. 1692g ( b ) ) Legal Requirement : Under the FDCPA, a debt collector must cease collection efforts until it provides the requested validation.

Your Violation : You have neither validated the debt nor ceased collection activity, making your continued efforts illegal.

2. Reporting False and Unverified Debt FCRA Violation ( 15 U.S.C. 1681s-2 ( b ) ) Legal Requirement : Debt collectors must ensure accuracy before reporting an account to credit bureaus. 

Your Violation : You have reported an unvalidated debt to XXXX, XXXX, and XXXX, knowingly violating my consumer rights. 


3. Violation of Due Process Rights Constitutional Violation

( 5th & 14th Amendments ) Legal Requirement : Consumers have a constitutional right to challenge claims made against them and to receive due process before adverse actions are taken. Your Violation : You have refused to provide any proof of the alleged debt
while continuing to damage my credit and harass me with collection attempts, violating my right to due process.

4. Relevant Court Precedents Supporting Debt Removal Your conduct aligns with multiple cases where courts have ruled in favor of consumers : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) Failure to provide original creditor documentation invalidates a debt. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ) Attempting to collect without validation violates the FDCPA. 

XXXX XXXX XXXX, XXXX, XXXX & XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Reporting an unverified debt to credit bureaus is a deceptive practice. 


5. Prior Legal Actions Against Debt Collectors for Similar Violations Though I have not yet found a public record of a lawsuit against Credit Collection Services ( CCS ) for these specific violations, debt collection agencies have faced severe penalties for similar actions : Portfolio Recovery Associates Settlement Paid {$5.00} million in penalties for attempting to collect unvalidated debts.

FTC Crackdown on Debt Collectors Many collection agencies have been permanently banned for violations of FDCPA and FCRA.

Your agencys actions mirror the same violations that have resulted in severe legal consequences for other collectors. If you do not comply with my demands, I will take immediate legal action against you.

Final Demands Immediate Action Required Due to your agencys clear and willful violations, I demand the following without exception : 1. Immediate and permanent removal of this debt from all credit bureaus ( XXXX, XXXX, and XXXX ). 


2. Written confirmation that this account has been removed within 15 days.

3. Immediate cessation of all collection activities related to this alleged debt, including phone calls, letters, and credit reporting.

Failure to Comply Will Result in Severe Legal Action If you fail to take corrective action, I will pursue the following without hesitation : File a lawsuit against your agency under the FDCPA and FCRA, seeking : Statutory damages of up to {$1000.00} per violation Actual damages, punitive damages, and attorneys fees Full legal costs associated with defending my rights File formal complaints with the CFPB, FTC, and my State Attorney General, urging immediate investigation into your illegal practices. 

Submit direct disputes to the credit bureaus, citing your non-compliance and demanding immediate deletion of this debt. 
This is your final and absolute notice. Failure to comply will result in swift and aggressive legal action. 

There will be no further warnings. 

Sincerely, XXXX XXXX XXXX XXXX

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