Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8410520
Complaint Overview
Complaint ID: 8410520
Company: Ccs Financial Services, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Georgia
ZIP Code: 30052
Date Received: 2024-02-23T12:00:00-05:00
Date Sent to Company: 2024-02-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Credit Collection Services Account # XXXX I am writing to bring to your attention a serious matter related to my consumer rights, which, I believe, your company has breached. The particular rights in question pertain to the validation and reporting of debt, as governed by the fair debt collection practices act ( FDCPA ) and the fair credit reporting act ( FCRA ). In this context, I had previously asked for a verification of a debt that is purportedly owed by me. I attach herewith the related correspondences as evidence of my request. However, your organization has continued to fail in providing me with the necessary validation, a contravention of the FDCPA. In addition, despite the ongoing dispute, you have continued reporting this contested debt to the credit bureaus, an action that infringes on the FCRA and inflicts harm to my reputation. In order to reconcile these issues, I once again implore you to adhere to the FDCPA by providing me with the following information : 1. Evidence of your legal entitlement to collect the alleged debt. 2. A detailed account statement delineating the claimed balance, inclusive of all charges, interest, and penalties. 3. The contract bearing my explicit signature, thereby establishing my liability towards the debt. 4. Please note that the legal concept of estoppel by silence ; implies that your failure to respond, despite the obligation to do so, indicates your concurrence with my stance that this debt is invalid. I shall resort to invoking this principle in my defense, if necessary. I expect to receive the requested information within 15 business days from the receipt of this letter. If you persist in neglecting my request for debt verification, I reserve my right to initiate legal proceedings against your company for the breach of my consumer rights as stipulated in the FDCPA and the FCRA. I may also consider seeking damages, should the situation warrant such action. Thank you for your immediate attention to this matter.
Frequently Asked Questions
What is Complaint #8410520 about?
Complaint #8410520 was filed against Ccs Financial Services, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2024-02-23T12:00:00-05:00.
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 (Credit reporting or other personal consumer reports) 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.