Consumer complaint received 2025-04-19 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: GA

Complaint narrative:
RE : Dispute of Alleged Debt and Formal Demand for Validation under FDCPA & FCRA Request for Immediate Deletion To Whom It May Concern, This letter serves as formal notice that I am disputing the validity and legality of the alleged collection account you have reported on my credit report. I am demanding full debt validation pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), as well as the requirements of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ).

I. DEMAND FOR FULL VALIDATION OF DEBT You are hereby required to produce the following documents as evidence that this alleged debt is accurate, legally collectible, and that you are authorized to report and collect such debt in my jurisdiction : The original signed contract or application bearing my wet-ink signature. 

Chain of assignment, sale, or securitization from the original creditor to your agency, including all intermediary transfers, and proof of lawful ownership of the debt. 

A copy of the original billing statements and a full itemization of all charges claimed. 

A copy of the contract or agreement granting your agency legal authority to collect debts in my state of residence. 

Proof that you are licensed and bonded to collect in the state of [ Insert Your State ]. 

Copies of any correspondence allegedly sent to me, as well as date-stamped notices regarding this debt. 

You are further advised that failure to provide the above constitutes non-compliance with 15 U.S.C. 1692g ( b ), which prohibits further collection efforts or credit reporting of disputed debts without sufficient verification.

II. VIOLATION OF CONSUMER PROTECTION LAWS If you are reporting this account to any consumer reporting agency, such action may constitute a violation of the FCRA under 15 U.S.C. 1681e ( b ), which requires data furnishers to maintain maximum possible accuracy of reported information. Reporting unverifiable or disputed information without full validation is actionable under this statute and considered a willful violation under 15 U.S.C. 1681n and 1681o.

Moreover, under 15 U.S.C. 1692c ( a ), you are prohibited from engaging in communication with a consumer at unusual or inconvenient times or places, and you must cease collection activities until the debt has been properly validated as required by law.

III. DEMAND FOR REMOVAL Until and unless you fully comply with the demands for validation and documentation listed above, you are hereby directed to : Cease all collection activity immediately, including phone calls, letters, and any third-party reporting. 

Delete the account from all consumer reporting agencies to which you have reported it. 

Provide me with written confirmation that this account has been removed from my credit reports with XXXX XXXX and XXXX 

Failure to comply within 15 calendar days of receipt of this notice will be construed as your inability or refusal to validate the debt, and I will take further action, including formal complaints to the CFPB, FTC, State Attorney General, and potential civil litigation for violations of my federally protected consumer rights.

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