Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
I sent this letter to Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX XXXX On XX/XX/year>, and never got a response back. Requested a validation that I ever had business or signed any contracts with them. Fraud account on my credit which is bringing it down.

Subject : Debt Validation Request for Account XXXX To Whom It May Concern, Be advised that this is not a refusal to pay but a formal request for validation of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( b ). I am disputing your claim and request that you provide verification and validation of the debt in question.

This is NOT a request for verification or proof of my mailing address, but a request for FULL VALIDATION of the alleged debt. I respectfully request that your office provide me with competent evidence that I have a legal obligation to pay this debt. 
Required Validation Documents : To properly validate this debt, please provide the following : 1. that legally obligates me to pay this debt.

Proof of Agreement A copy of any original signed agreement or contract 2. Account Information A full accounting of the debt, including a detailed breakdown of the principal, interest, fees, and any other charges added.

3. Proof of Ownership Documentation showing that Credit Collection Services has the legal right to collect this debt, including a copy of any assignment or purchase agreement.

4. Creditor Information The name and address of the original creditor, along with proof that the debt is still valid and owed by me. 
I also request, in writing, that no telephone contact be made to my home or place of employment as per my rights under FDCPA, 15 USC 1692c Sec. 805 ( c ). Any phone communication, including automated calls or third-party disclosures, will be considered harassment, and I will pursue legal remedies if necessary. All future correspondence must be in writing and sent to the address listed in this letter.

Additionally, I remind you of your legal obligations under the following statutes : 1. 15 USC 6802 Governs the sharing of my nonpublic personal information.

Any unauthorized disclosure of my information would be a violation of my rights.

2. 15 USC 1681b Limits permissible access to my credit report. If this account was added to my report without a permissible purpose, it constitutes a violation of the Fair Credit Reporting Act ( FCRA ).

3. 18 USC 1028A Addresses aggravated identity theft. If this account was fraudulently opened in my name, it may constitute a federal offense.

Furthermore, I have never signed any agreement or contract indicating that I am obligated to pay this debt. If you have such documentation, I demand that you provide it as part of your validation. 
If your office has reported this alleged debt to any of the three major credit bureaus ( XXXX, XXXX, or XXXX ) and is unable to provide proper validation, such reporting may be considered inaccurate or misleading. As such, I request immediate removal of any inaccurate information related to this account. 
Next Steps & Compliance to this account. 
If you can not validate this debt within 30 days, I request that all collection activity cease and that you notify the credit bureaus to delete any negative reporting related If you continue collection attempts without proper validation, I will explore legal remedies for violations of the FDCPA, FCRA, and other applicable laws. 
I appreciate your prompt attention to this matter and look forward to your written response. 

They never sent validation and so I need this deleted from my account.

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