Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
As I am exercising my right under 15 U.S.C. 1692g, please provide the following documentation to validate this debt : 1. The name and address of the original creditor.

2. A complete itemized breakdown of the debt, including the original balance, interest, fees, and any other charges.

3. A copy of the original signed contract or agreement bearing my signature.

4. Proof that your agency has the legal right to collect on this debt, including : The chain of custody of the debt ( from the original creditor to your agency ), Purchase agreement or assignment documents, Any agreements granting you the authority to collect or report this debt.

5. Proof that this debt is within the statute of limitations, including the date of the last payment or date of charge-off.

6. Proof of licensing and authorization to collect debt in my state ( Florida ), including your debt collector license number and registered name. 
7. Any judgment obtained, with court name, docket number, and judgment date.

8. Proof of my authorization for you to report this debt to any credit reporting agency.

This is a formal request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ).

Please provide the following documentation : 1. Full name and address of the original creditor.

2. Detailed account statements from inception showing itemized charges, payments, fees, and interest.

3. A copy of the original contract or service agreement with my signature.

4. Chain of custody of the debt, including assignment/sale documents from XXXX XXXX to your agency.

5. Proof of legal authority to collect in the State of Florida : Collection license number Proof of bonding Registered business name 6. Date of last payment or activity and proof of the statute of limitations not having expired. 
7. Proof I consented to any credit bureau reporting.

8. If a judgment has been obtained, provide : Court name Docket number Judgment date You are currently furnishing this account to one or more credit bureaus. If you can not fully validate this debt, you must cease all reporting activities immediately. 

Under 15 U.S.C. 1692c ( c ), all future contact is to be made in writing only. You have 30 days from receipt of this letter to respond. Failure to comply may result in complaints to the CFPB, FTC, and the Florida Attorney General. 


In addition, per FCRA 623, you are required to ensure that any information reported to the credit bureaus is 100 % accurate and verifiable.

Without proper validation, you are not authorized to continue reporting this account to any credit bureau. Therefore, I am requesting that you immediately remove this account from all credit reporting agencies. 

If you fail to do so, I will be forced to file complaints with the Florida Attorney General, and the Federal Trade Commission ( FTC ) for inaccurate and unlawful credit reporting.

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