Debt collection -- False statements or representation -- Complaint #17933107
Complaint Overview
Complaint ID: 17933107
Company: Ccs Financial Services, INC.
Product: Debt collection
Sub-Product: I do not know
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Georgia
ZIP Code: 30058
Date Received: 2025-11-26T12:00:00-05:00
Date Sent to Company: 2025-11-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern : I am writing to notify you that I dispute the validity and ownership of the alleged debt you are reporting to the consumer reporting agencies. This letter constitutes a formal request for full validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and a dispute of inaccurate credit reporting under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i & 1681s-2. This alleged debt appears on my credit report, yet I have not received any prior written notice or sufficient information to determine whether this debt belongs to me. Accordingly, I request that you provide the following required documentation : Required Validation Documents Proof that you are legally authorized to collect this specific debt, including chain of title/assignment from the original creditor. A complete payment history, starting with the original creditor, showing how the amount you claim was calculated. A copy of the original signed contract or agreement bearing my signature. The name and address of the original creditor, as required by 15 U.S.C. 1692g ( a ). Proof of ownership or transfer of the debt to your agency. Itemized breakdown of the alleged balance ( principal, interest, fees ). A copy of any judgment, if applicable. Your license numbers and registered agent information in my state, showing you are legally permitted to collect here. Cease Reporting Until Validation Is Provided Per federal law, you must cease collection efforts and stop reporting this account to any credit bureau until proper validation is provided. If you can not validate this debt, you are required to : Immediately delete the account from all credit bureaus, and Notify me in writing that the account has been removed. Notice of FCRA Compliance Requirement If you verify or continue reporting inaccurate or unvalidated information to any consumer reporting agency, it will constitute : Willful noncompliance with FCRA 1681n Negligent noncompliance under FCRA 1681o I will not hesitate to escalate the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state Attorney General, and pursuing legal remedies if necessary. Response Requirement Under FDCPA, you must provide validation within 30 days of receiving this letter. Until you comply, all collection activity, including reporting and updating information with credit bureaus, must stop. Please send all responses to my address listed above. Thank you for your prompt attention.
Frequently Asked Questions
What is Complaint #17933107 about?
Complaint #17933107 was filed against Ccs Financial Services, INC. regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-11-26T12:00:00-05:00.
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.