Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XX/XX/XXXX credit collection services ] XXXX XXXX XXXX XXXX, MA XXXX Formal Complaint Regarding Unlawful Debt Collection Practices and Identity Theft To Whom It XXXX Concern, I am writing to formally notify your agency of my concerns regarding your attempts to collect an alleged debt that XXXX be connected to identity theft. Your actions raise serious legal concerns under both federal and state laws, including the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and related consumer protection statutes. 
Notification of Identity Theft This alleged debt appears to be the result of fraudulent activity. I have filed an identity theft report to address this matter. Enclosed, you will find a copy of the report, which I submitted to XXXX, XXXX, XXXX and the CFPB XXXX of XXXX matter was resolved XXXX of XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681m, I am exercising my right to dispute this debt and demand that you cease all collection activities immediately until a thorough investigation is completed. 
Alleged Violations by Your Agency Your agency has engaged in conduct that appears to violate applicable laws, including but not limited to : [ Violation Example XXXX ] : [ E.g., " Contacting me repeatedly despite being notified of a dispute regarding the alleged debt. '' ] [ Violation Example XXXX ] : [ E.g., " Failing to provide validation of the debt within XXXX days of initial contact, as required by FDCPA Section 809 ( a ). '' ] [ Violation Example XXXX ] : [ E.g., " Reporting the alleged debt to credit reporting agencies despite knowledge of a resolved dispute, contrary to FCRA Section 623 ( a ) ( XXXX ). '' ] I have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) to ensure your actions are reviewed for compliance with applicable laws. If the matter is not resolved promptly, I will also consider filing complaints with my state Attorney Generals Office and pursuing legal action if necessary. 
XXXX Actions Requested To resolve this matter, I request that you : credit collection agency Cease all collection activities regarding the alleged debt. 
Investigate the validity of the debt, considering the enclosed identity theft report. 
Provide written confirmation that the debt has been removed from your records and any reporting agencies. 
Ensure compliance with FCRA and FDCPA in all future communications and actions. 
Preservation of Evidence Please retain all records, communications, and documentation related to this matter. These XXXX be required for regulatory investigations or legal proceedings. 
I expect a written response within [ reasonable time, e.g., 15 days ] of receipt of this letter. Failure to comply with these requests will leave me with no option but to pursue further legal and regulatory remedies. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report number XXXX All supporting documentation, will be attached along FTC report numbers

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief