Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Credit Collection Services ( CCS ) is reporting a {$92.00} collection ( original creditor XXXX XXXX XXXX, opened XX/XX/XXXX ) on my XXXX XXXX XXXX XXXX files. I have received no itemization showing how the {$92.00} figure was calculated from any specific XXXX policy, nor any documentation that this premium debt was validly placed with or assigned to CCS. I have received no validation of this debt. This is not a " not mine '' dispute. It is a demand that the amount, ownership, and basis of this reported debt be documented or the tradeline deleted. I demand the following XXXX items under FDCPA Section 1692g ( b ) : 1. The assignment or placement authorization from XXXX XXXX XXXX to Credit Collection Services for this account. XXXX. An itemized accounting showing how the {$92.00} figure was computed from a specific XXXX policy ( policy number, premium charges, dates ). XXXX. The date of first delinquency on the original XXXX account. XXXX. The date of last bona fide payment. XXXX. Proof of Credit Collection Services ' licensure to collect in the State of XXXX Statutes : FDCPA Section 809 ( b ) / 1692g ( b ) ( collection must cease until validation is provided ), FDCPA Section 807 / 1692e ( false or misleading representation ), FCRA Section 623 ( a ) ( 5 ) and 623 ( b ) ( 1 ) ( 15 U.S.C. 1681s-2, accurate furnishing and reasonable investigation ), FCRA Section 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ), XXXX XXXX. XXXX ( FCCPA ), XXXX XXXX. XXXX ( FDUTPA ). Under binding XXXX Circuit precedent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the furnisher 's 1681s-2 ( b ) reasonable-investigation duty applies to the objectively and readily verifiable facts here : whether a valid placement exists and how the {$92.00} was computed. Publication to third parties : This inaccurate information has been or will be published to every third party that pulls my consumer file in the ordinary course of underwriting. I am presently in the credit pre-qualification stage ; the continued presence of this unvalidated {$92.00} collection materially increases the probability of denial and worse terms. Any such denial will be documented and added to the actual-damages record. This satisfies the XXXX XXXX injury predicate and pre-empts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Damages : The unvalidated {$92.00} has materially depressed my credit standing and the terms available to me, constituting continuing actual damages within FCRA Section 616/617 for as long as it remains. Cost-benefit note : this is a {$92.00} balance. Producing full itemization and chain-of-placement documentation for a {$92.00} insurance debt will cost more in compliance time than deletion. Deletion now ends the dispute. Feedback-option preservation : If this complaint is closed as " verified, '' " validated, '' or any procedural deflection without addressing the XXXX items demanded above, I will treat the closure itself as a 1692g ( b ) and 623 ( b ) violation and immediately file a follow-up complaint. Anti-deflection clause : A response that fails to provide items XXXX through XXXX will be treated as a non-response and will result in ( a ) a follow-up CFPB complaint citing the non-response as a separate violation, ( b ) a XXXX Attorney General XXXX complaint citing these federal violations as XXXX XXXX XXXX XXXX predicates, and ( c ) a XXXX XXXX XXXX XXXX XXXX complaint regarding Credit Collection Services ' state collection licensure under XXXX XXXX. XXXX. The federal and state pressure on this matter will not abate until validation is provided in writing or the tradeline is deleted.

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