Debt collection -- Written notification about debt -- Complaint #10518554
Complaint Overview
Complaint ID: 10518554
Company: Ccs Financial Services, INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Written notification about debt
Sub-Issue: Didn't receive notice of right to dispute
State: Ohio
ZIP Code: 43227
Date Received: 2024-10-20T12:00:00-05:00
Date Sent to Company: 2024-10-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Formal Complaint Improper Debt Verification and Illegal Reporting Dear CFPB Representative, I am writing to submit a formal complaint against Credit Collection Service for improperly reporting a debt on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). This company has failed to contact me or provide any proper validation of the alleged debt, as required by federal law. I do not believe that this debt is valid, nor have I had any prior dealings with Credit Collection Services. Furthermore, I suspect that this company illegally obtained my personal information and improperly used it to report inaccurate information to the credit bureaus. Under the FCRA, companies reporting debts must take the following steps : Provide written notice of the debt within five days of first contact. Offer me the opportunity to dispute the debt and request validation within 30 days. Upon dispute, supply proper documentation that validates the debt, including any original agreements or contracts with my signature. Credit Collection Services has failed to follow these legal requirements. They did not notify me, provide any form of communication, or supply proper documentation verifying this debt. Reporting unverified information is not only unethical but also illegal under the FCRA. I am demanding that XXXX XXXX XXXX remove this unverified and inaccurate debt from my credit report immediately. If this issue is not resolved within 14 days of receiving this letter, I will have no choice but to pursue legal action against the company for violations of my consumer rights. I request that the CFPB investigate this matter promptly to ensure compliance and protect my credit profile from further harm. I also ask that written confirmation be provided once this debt is removed. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #10518554 about?
Complaint #10518554 was filed against Ccs Financial Services, INC. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2024-10-20T12:00:00-05:00.
How did Ccs Financial Services, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Ccs Financial Services, INC.?
Yes, visit the Ccs Financial Services, INC. company profile at readthecomplaint.com/company/ccs-financial-services-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.