Consumer complaint received 2024-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
Reference : Credit Collection Service Account Number # XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT! 

I am sending this letter to you because of an alleged debt you are reporting on my consumer report. I am requesting validation of the debt according to 15 U.S.C. 1692g. I did pay this debt, but only because of the constant abusive, deceptive, and debt collection practices your office has subjected me to. However, pursuant to 15 U.S.C. 1692g ( c ) me paying this alleged debt and not requesting validation prior is not an admission of liability. Therefore I am requesting not only the validation, but that you remove the alleged debt from my consumer report, and compensate me for the mental anguish you have caused me. The debt is paid what reason under 15 U.S.C. 1681b permissible purpose does is show that you should continue to furnish this account even after it being paid?? 
I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF ALL DOCUMENTS LISTED UNDER REGULATION F 1006.18 ( e ) PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease and desist all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 U.S. Code 6802 ( a ) Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. 
you have 30 days to respond with a full debt validation according to 15 U.S.C. 1692g.

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