Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am filing this complaint regarding unlawful debt collection activity, failure to validate a debt, and inaccurate credit reporting by Credit Collection Services. 

Debt Was Sold I Do Not Owe XXXX XXXX I understand that the alleged debt referenced by Credit Collection Services was sold by XXXX XXXX XXXX. Because the debt was sold, I do not owe XXXX XXXX XXXX any balance. Once a debt is sold, the consumers obligation to the original creditor ends, and the original creditor may no longer claim that the debt is owed to them. 

Any attempt to imply that I currently owe XXXX XXXX XXXX after the sale of the debt is legally inaccurate and misleading. 

No Knowledge of Credit Collection Services / No Proof of Authority I do not know Credit Collection Services, I have no contractual relationship with them, and I have never agreed to do business with them. 

Under federal law, if a third-party collection agency attempts to collect a debt, they must prove : That a valid debt exists That the debt is owed to the current owner, and That the collection agency has legal authority to collect the debt I timely requested debt validation. Credit Collection Services failed to provide documentation proving : ownership of the debt, or a valid assignment or agency relationship with the current creditor Instead, they sent additional paperwork that does not establish liability or authority. Generic account summaries and balance statements do not constitute proper validation under federal law. 

Violations of Federal Law Credit Collection Services actions violate the following laws : 15 U.S.C. 1692g ( b ) ( FDCPA ) A debt collector must cease collection until proper validation is provided.

15 U.S.C. 1692e ( 2 ) ( A ) ( FDCPA ) Prohibits misrepresenting the legal status of a debt, including implying a consumer owes the original creditor after a debt has been sold.

15 U.S.C. 1681s-2 ( b ) ( FCRA ) Requires furnishers to conduct a reasonable investigation and report accurate information when a debt is disputed.

15 U.S.C. 1681e ( b ) ( FCRA ) Requires reasonable procedures to assure maximum possible accuracy of information reported to consumer reporting agencies. 

Reporting or attempting to collect a debt without proving ownership or authority results in inaccurate credit reporting and unlawful collection activity. 

Harm to Consumer Because Credit Collection Services failed to validate the debt and continues to imply I owe the original creditor : I am being subjected to collection activity without legal proof My credit report is being negatively impacted by unverified information I have spent time and effort disputing a debt that has not been proven This conduct undermines the accuracy of my credit report and violates my consumer rights. 

Due to Credit Collection Services failure to validate the alleged debt, misrepresentation of legal status after the debt was sold, and continued collection activity without lawful authority, I am requesting that this matter be reviewed for monetary compensation or other relief, as permitted under 15 U.S.C. 1692k, 1681n, and 1681o.

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