Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
Account # : XXXXXXXX XXXX XXXX XXXX XXXX Account Type : Collection Account Type - Detail : Collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$250.00} No. of Months ( terms ) : - High Credit : {$250.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Placed for collection Date Last Active : XX/XX/XXXX Date of Last Payment : - I am submitting this complaint against Credit Collection Services , a third-party debt collection agency, for violations of my consumer rights under federal law. I formally dispute owing any and all alleged debts claimed by this company. Violations : Failure to Provide Required Validation Information Credit Collection Services has failed to provide the required validation information as mandated under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have reported a collection account on my consumer credit report, which is improper and unlawful. Failure to Provide Opportunity to Dispute I have not been given a proper opportunity to dispute the alleged debt in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denies me my legal right to review and challenge the validity of the debt before it is reported. Use of False, Misleading, and Deceptive Practices The company is engaging in practices that constitute false, misleading, and deceptive representations, which is a violation of federal consumer protection laws governing debt collectors. Improper Furnishing of Information to Consumer Reporting Agencies Credit Collection Services has furnished information to consumer reporting agencies without providing all required disclosures. This is a violation of 12 CFR 1006.34 ( d ) and 15 U.S.C. 1681s-2 ( a ). They lack proper authority to report this account under these conditions. Requests for Relief : I am requesting the following actions : Immediate investigation into the conduct of Credit Collection Services Removal of any and all accounts reported by this company from my consumer reports unless and until they can fully comply with all legal requirements Full debt validation, including : Verification of the alleged debt The original creditors information A complete accounting of the amount claimed A copy of the purchase agreement or assignment documentation showing that Credit Collection Services has legal authority to collect on this alleged debt Proof that Credit Collection Services is licensed and bonded to collect debts in my state Cease Communication Request : Additionally, I hereby revoke all consent for Credit Collection Services to contact me via : Phone calls Text messages Email All future communication must be in writing only and sent via XXXX mail. This complaint is submitted in good faith, and I expect full compliance with all applicable federal laws. Failure to comply may result in further legal action.

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