Consumer complaint received 2024-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am writing to file a formal complaint against CREDIT COLLECTION SERVICE for their violations of multiple consumer protection laws in the handling of my account. The actions taken by CREDIT COLLECTION SERVICE are in direct contravention of several regulations designed to protect consumers. The specific violations are as follows : 1. **Failure to Provide Validation Information** : CREDIT COLLECTION SERVICE has not provided the required validation information for the alleged debt as mandated by 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have placed a collection account on my consumer report.

2. **Violation of My Right to Dispute** : I have not been given a chance to dispute the account, which is a violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This provision mandates that consumers must be given the opportunity to dispute the validity of the debt before any adverse actions are taken.

3. **Use of Deceptive Practices** : The collection agency is violating my consumer rights by employing false, misleading, and deceptive means in their attempts to collect this debt. Such practices are in direct contravention of established consumer protection laws.

4. **Unauthorized Reporting to Consumer Reporting Agencies** : CREDIT COLLECTION SERVICE has no authority to furnish any account to consumer reporting agencies without providing all legally required disclosures. This constitutes a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ), which stipulate the requirements for accurate and lawful reporting of debts to consumer reporting agencies.

The actions of CREDIT COLLECTION SERVICE have caused me considerable distress and have negatively impacted my credit report and overall financial well-being. I request that the Consumer Financial Protection Bureau ( CFPB ) take the following actions : 1. **Investigate the Practices of CREDIT COLLECTION SERVICE** : Conduct a thorough investigation into the practices of CREDIT COLLECTION SERVICE to ensure compliance with all applicable consumer protection laws.

2. **Enforce Corrective Measures** : Require CREDIT COLLECTION SERVICE to remove the collection account from my consumer report until proper validation information is provided and I am given an opportunity to dispute the debt.

3. **Ensure Compliance with Disclosures and Dispute Rights** : Ensure that CREDIT COLLECTION SERVICE provides all required disclosures and adheres to the right of consumers to dispute alleged debts.

4. **Prevent Future Violations** : Implement measures to prevent future violations of consumer protection laws by CREDIT COLLECTION SERVICE and other collection agencies.

I appreciate your prompt attention to this matter and look forward to your response. Thank you for your assistance in protecting consumer rights.

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