Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
To Whom It May Concern : I am writing in response to your attempts to collect the above-referenced alleged debt and any related negative information you are furnishing to consumer reporting agencies ( credit bureaus ).

This letter serves as the following : 1. A formal dispute of the alleged debt and of the accuracy and completeness of any related tradeline ( s ) you are reporting about me ; 2. A request for full validation of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ; 3. A written cease-and-desist notice under 15 U.S.C. 1692c ( c ), instructing you to stop further communication with me except as specifically allowed by law.

1. Dispute of the debt and the credit reporting I dispute the validity, amount, and legal enforceability of this alleged debt and the accuracy of any information you have furnished to any consumer reporting agency regarding this account. 

Under the Fair Credit Reporting Act ( FCRA ), any information you furnish to a credit bureau must be accurate, and you may not furnish information you know or have reasonable cause to believe is inaccurate. 

You are hereby notified that : I dispute this alleged debt in its entirety ; and I dispute the accuracy and completeness of any negative tradeline you have reported concerning this account. 

Accordingly, you must immediately mark this account as disputed in any and all reports you furnish to any consumer reporting agency, as required of furnishers under the FCRA. 

If, after a reasonable investigation, you can not substantiate the accuracy and completeness of the information you are reporting, you are required to cease reporting and request deletion of the tradeline ( s ) from all consumer reporting agencies to which you have furnished it.

2. Request for full validation of the alleged debt Pursuant to 15 U.S.C. 1692g, I request that you provide complete validation of this debt in writing. At a minimum, this should include : 1. The name and address of the original creditor ; 2. An itemized accounting of the amount you claim is owed, including principal, interest, fees, and any other charg
es, with dates and basis for each ; 3. A copy of any written agreement or contract bearing my signature that allegedly creates the obligation you are trying to collect ; 4. A copy of any judgment, if you are claiming the debt has been reduced to judgment ; 5. Documentation showing you have the legal right to collect on this alleged debt, including chain of title/assignment from the original creditor to you ; 6. A complete payment history and explanation of how you calculated the current balance. 

Until you provide proper validation as required by law : You must cease all collection efforts ; and You must not sell, transfer, or assign the alleged debt to any other party. 

If you are unable to produce the requested documentation demonstrating that this debt is valid, enforceable, and actually owed by me, you must : 1. Cease all collection activity regarding this matter ; and 2. Request deletion of any negative information related to this alleged debt from all consumer reporting agencies to which you have reported.

3. Cease & desist notice under 15 U.S.C. 1692c ( c ) Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing that they refuse to pay a debt or that they wish the debt collector to cease further communication, the debt collector must cease such communication except in narrow circumstances ( such as to advise that collection efforts are being terminated or that specific legal remedies will be invoked ). 

Therefore, effective immediately, you are instructed to : Cease all telephone calls, text messages, emails, and other direct contact with me ; and Communicate with me only in writing by U.S. mail at the address listed at the top of this letter, and only if such communication falls within the limited exceptions allowed by 1692c ( c ).

Any further communication with me that does not fall within those narrow statutory exceptions will be considered a willful violation of the FDCPA.

4. Demand for deletion of any inaccurate or unverifiable credit reporting If your investigation or your inability to validate the alleged debt shows that : The account does not belong to me, The amount is incorrect, The account is time-barred by the statute of limitations, or You can not obtain sufficient documentation to prove the debt is valid and legally enforceable, then you must : 1. Immediately stop furnishing the disputed information to any consumer reporting agency ; and 2. Formally request deletion of the tradeline ( s ) from every consumer reporting agency to which the information was furnished, consistent with your obligations as a furnisher under 15 U.S.C. 1681s-2.

Please send me written confirmation of : The results of your investigation, The specific documents you relied upon to validate the alleged debt ( if any ), and Any requests you have made to consumer reporting agencies to delete or correct the tradeline ( s ).

5. Reservation of rights Nothing in this letter should be construed as : An admission that I owe this debt, An admission of liability of any kind, or A waiver of any of my rights and remedies, whether legal or equitable. 

If you fail to comply with the FDCPA, the FCRA, or any other applicable federal or state law, I will consider pursuing all available remedies, including : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General ; and Consulting with an attorney about bringing a civil action for statutory damages, actual damages, court costs, and attorneys fees as allowed by law. 

Sincerely,

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation