Consumer complaint received 2024-12-19 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX  XXXX XX/XX/2024 Consumer Financial Protection Bureau ( CFPB ) Subject : Dispute Against Credit Collection Services Regarding Credit Report Entry Dear CFPB , I am writing to formally dispute an account that Credit Collection Services ( CCS ) has placed on my credit report. After reviewing the situation in detail, I have identified several violations of the Fair Credit Reporting Act ( FCRA ) by CCS. Below, I outline these violations and provide additional requests to ensure compliance with federal laws and my rights as a consumer.

# # # Violations of FCRA 1. **12 CFR 1006.34 ( b ) ( 5 ) : ** CCS failed to provide complete and accurate information regarding the debt, including itemization to demonstrate the validity of the amount claimed.

2. **12 CFR 1006.34 ( c ) ( 4 ) ( i ) : ** CCS did not include the specific details regarding the itemization date, which is required to substantiate the debt in their communications with me.

3. **12 CFR 1006.34 ( d ) : ** CCS did not adhere to the requirement of sending clear and conspicuous validation notices that provide all required details about the debt and my rights as a consumer.

4. **15 USC 1681s-2 ( a ) ( 7 ) ( A ) : ** CCS has not notified me of their responsibilities to correct or remove inaccurate or unverifiable information reported to consumer reporting agencies.

These violations indicate a lack of compliance with federal regulations governing debt collection practices and credit reporting.

# # # Request for Documentation and Proof To address this matter appropriately, I am requesting the following : 1. **Purchase Agreement : ** Provide the complete purchase agreement or other documentation that demonstrates the legal transfer of the debt from the original creditor to CCS . This is necessary to validate that CCS has the authority to collect on this account.

2. **Validation of Licensing and Bonding : ** Submit documentation proving that CCS is licensed and bonded to collect debts in my state of residence. This is essential to verify your legal ability to operate as a collection agency in this jurisdiction.

3. **Validation of Debt : ** Supply a detailed validation of the debt, including a breakdown of the original amount, any fees or interest added, and a detailed explanation of the itemization date as required under 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

# # # Communication Instructions In accordance with my rights under the FCRA and FDCPA, I formally request that CCS refrains from contacting me through email, text messages, or phone calls. All future correspondence regarding this matter should be in writing and sent via mail to the address provided above. Any attempts to contact me through other means will be considered a further violation of my rights.

# # # Request for Immediate Action Given the numerous violations and the impact on my credit report, I request : - A complete investigation into CCSs practices concerning this account.

- Immediate removal of the collection account from my credit report if CCS can not provide the requested documentation and validation.

- A formal response from CCS addressing the violations outlined above and confirmation that they will comply with all applicable laws moving forward.

I trust that the CFPB will give this matter the attention it deserves. Should you require any additional information, I am happy to provide it upon written request. 

Sincerely, XXXX XXXX

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