Consumer complaint received 2023-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
On XX/XX/22 I noticed that a collection account was furnished to XXXX, XXXX and XXXX without my consent or knowledge. CREDIT COLLECTION SERVICES reported an account # XXXX with a balance of {$250.00}. I have no agreement or contractual obligation and have no idea who this company is. My privacy has been violated and my reputation has been negatively affected due to the misconduct of this corporation. 

CREDIT COLLECTION SERVICES has been put on notice by consumer that they are in violation of the fair debt collection practices act 15 U.S.C. 1692c ( c ) and has responded that they will continue to furnish inaccurate information to the consumer reporting agencies. which means they are in fact violating the cease and desist by communicating with me indirectly through this specific medium. Debt collector is also in violation of 15 U.S.C. 1692f ( 1 ) clearly using unfair practices as my letter and their response serves as evidence that their is no form of agreement between the debt collector and myself the consumer. The debt collector is also in violation of 15 U.S.C. 1692g by collecting on a debt without providing the proper requirements so that I the consumer can review and decide wether the debt has any actual validity. Pursuant to 15 U.S.C. 1692k ( 2 ) ( A ) I will be seeking monetary compensations up to {$1000.00} per violation under the Fair Debt Collection Practices Act.

Furthermore the debt collector is openly admitting that he will continue to willfully ignore the law by reporting information to consumer reporting agencies known to be false and inaccurate, while also violating my right to privacy pursuant to 15 U.S.C. 1681a ( 4 ). Also violating 15 U.S.C. 1681 ( 2 ) ( A ) ( i ) under Exclusions there shall be no report furnished containing information about transactions or experiences between the consumer and the person furnishing the report. 15 U.S.C. 1681 ( 2 ) ( A ) ( iii ) also states that it must be clearly and conspicuously disclosed to the consumer the information you wish to furnish before furnishing it and the consumer shall be given an opportunity, before the information is communicated to direct that such information not be communicated among such persons. The debt collector furnished the information without clearly disclosing to me and without given me an opportunity to inform them that I did not agree or consent to such information being communicated.

CREDIT COLLECTION SERVICES has also violated the Fair Credit Reporting Act 15 U.S.C. 1681b ( a ) ( 2 ) as I the consumer have never gave this debt collector any written instruction or have never entered a consumer credit transaction with such debt collector giving them permissible purpose. I will also be demanding all remed
ies afforded to me by congress for violations under the Fair cREDIT reporting Act 15 U.S.C. 1681n ( 1 ) ( A ) for up to {$1000.00} for any actual damages caused by this debt collector as a result of their failure to comply.

This company has destroyed my reputation and caused me great pain and suffering while invading my Privacy. I demand you cease collections on this alleged debt and remove all adverse information from all consumer reporting agencies or face grave consequences. You have admitted that you never supplied proof under doctrine of estoppel by silence and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt nor any such debt in fact exists. 

Failure to comply will result in all collection efforts to be exhausted by the consumer through any applicable medium including litigation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation