CCS Financial Services, Inc.

To Whom It May Concern : I am writing in response to your communication regarding the alleged debt listed above. I dispute this debt and request full validation and verification under the Fair Debt Collection Practices Act. This letter is not an admission that I owe this debt, nor is it a promise to pay. Please provide documentation proving that I am legally responsible for this debt and that your company has the legal authority to collect it. Please provide the following : The name and address of the original creditor. The full account number associated with the alleged debt. The amount of the original debt and a complete breakdown of the current balance, including interest, fees, charges, or collection costs. A copy of the original signed agreement or contract showing my responsibility for the debt. Documentation showing that your company owns the debt or has been assigned authority to collect it. The date of last payment or activity on the account.…

I am disputing a collection account being reported by Credit Collection Services ( CCS ) on behalf of XXXX XXXX in the amount of {$750.00}. I submitted written disputes and requests for validation on XX/XX/year>, and again on XX/XX/year>. In those letters, I requested documentation establishing the identity of the original creditor, an itemized accounting of the amount claimed, documentation showing I am legally responsible for the debt, and proof that CCS has authority to collect and report the account. Despite my repeated written disputes, CCS has continued furnishing this account to consumer reporting agencies. The account remains on my credit reports and continues to damage my credit profile. Under the Fair Credit Reporting Act ( FCRA ), information furnished to consumer reporting agencies must be accurate and complete. Pursuant to 15 U.S.C.…

My XXXX auto insurance policy expired on XX/XX/year>. Before the policy expired, I called XXXX and informed them that I would not be renewing my policy. I specifically told them that I did not want continuous coverage and that my policy should end on XX/XX/year>. My premium had already been paid in full for the policy period. After my policy ended, I was surprised to receive a collection notice from Credit Collection Services ( CCS ) for {$45.00}. I was never provided with an explanation or an itemized statement showing why I owed this amount.

Disputed Amount : {$890.00} Original Creditor : XXXX XXXX XXXX Description of Incident : I am filing a formal complaint against XXXX XXXX XXXX and any associated collection agencies regarding an unverified, un-justified, and predatory collection balance of {$890.00}. The balance stems from an unverified contract that was formally disputed due to identity theft and forgery. On XX/XX/year>, I executed and submitted a formal, notarized fraud affidavit proving that the original contract signature was a forgery. Following the submission of this affidavit, it was explicitly agreed that the contract would be canceled and the account closed. Despite this legally binding acknowledgement and the cancellation of the account, XXXX has continued to maintain a balance of {$890.00} and has routed this unverified debt to collections. They are actively pursuing collection efforts and threatening my credit profiles without any legal justification or valid contract supporting the debt.…

CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

I am submitting this complaint because * * Credit Collection Services * * continues to report a collection account on my consumer credit reports that I believe is inaccurate, incomplete, misleading, and has not been properly verified as required by the Fair Credit Reporting Act ( FCRA ). I exercised my rights under the FCRA by disputing this account with the consumer reporting agencies and requesting that a reasonable reinvestigation be conducted. Despite my dispute, Credit Collection Services continues to report the account without providing competent documentary evidence establishing that the information is accurate or that it has the legal authority to collect and report the alleged debt. Rather than providing the documentation I requested, I received only generalized responses indicating that the account had been " verified '' or would continue to be reported.…

I am filing this CFPB complaint against Credit Collection Services regarding account number XXXX. This account is listed in my FTC Identity Theft Report, report number XXXX. I did not open, authorize, or agree to be responsible for this account, and I have no knowledge of the alleged debt. This account is being disputed as identity theft. I recently discovered unauthorized negative collection accounts on my consumer credit report, including this Credit Collection Services account, and these accounts have damaged my financial standing. I am demanding that Credit Collection Services immediately conduct a reasonable investigation and stop reporting or collecting on this account unless it can prove that I personally authorized the debt. Credit Collection Services must provide the original signed contract, application, complete billing history, chain of assignment, proof of ownership, validation records, and all documents used to verify my identity.…

Credit Collection Services sent me an unsolicited text message on XX/XX/year>, from number XXXX, attaching a PDF ( XXXX ) that contained my personal and alleged debt information. The text did not warn that the PDF included sensitive personal information, provided no confidentiality protections, and was sent without my prior consent or verification that it was my phone number. Coworkers saw the message and/or PDF on my phone, resulting in unauthorized third-party disclosure of the alleged debt. This violates FDCPA rules on third-party communications and Regulation F requirements for electronic debt collection messages. I never told them they could contact me by text.

I am submitting this complaint against Credit Collection Services regarding a collection account they are reporting for XXXX. The account being reported is listed as account number XXXX, with a reported balance of {$86.00} and a date opened of XX/XX/year>. This debt has already been paid directly to XXXX, the original creditor. Attached is proof of payment from XXXX showing that a payment was applied to the auto policy. The payment confirmation number is XXXX, the payment amount was {$86.00}, and the payment date was XX/XX/year>. The receipt confirms the payment was applied to the XXXX auto policy. Despite this payment, Credit Collection Services continues reporting this account as a collection with a balance on my credit report. This reporting is inaccurate and misleading because the debt has already been satisfied.…

To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount.…

XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

3. CREDIT CONTROL SERVIC Account No. XXXX Reported XX/XX/year>2026 Balance {$1600.00} I dispute this collection account in full. I have not received proper validation of this alleged debt, and I am requesting full verification of the debt 's accuracy, the chain of title/assignment, and the underlying original creditor agreement. 15 U.S.C. 1692g ( FDCPA ) The collector must provide validation of the debt, including the amount, the name of the original creditor, and confirmation the debt is owed by me. 15 U.S.C. 1681s-2 ( b ) Upon receiving notice of dispute from a CRA, the furnisher must conduct its own investigation and report results back to the CRA. 15 U.S.C. 1681i If unverifiable, the item must be deleted.

I am filing this complaint regarding the collection activities and credit reporting conducted by Credit Collection Services concerning an alleged account. My concern is not simply whether a debt exists. Rather, my concern is whether Credit Collection Services has the legal authority to collect this account and furnish information concerning it to consumer reporting agencies. Despite reporting this alleged account and attempting to collect it, Credit Collection Services has not demonstrated its legal standing or authority to do so. Accordingly, I request that Credit Collection Services provide documentation establishing the basis for its collection and reporting activities, including : * The complete chain of title identifying every entity that has owned this alleged account. * The complete chain of assignments reflecting every transfer of rights from the original creditor to the current owner.…

Credit Collection Services ( CCS Reference # XXXX ) is attempting to collect a fraudulent debt stemming from a gross breach of contract by XXXX XXXX XXXX. XXXX failed to dispatch police during a break-in and compromised my domestic safety by leaking account access to my stalker. CCS sent me a highly suspicious text message demanding I download a PDF file, which mimics phishing scam tactics. I am demanding a total closure of this collection file.

I am filing this complaint against CREDIT COLLECTION SERVICES, located at XXXX XXXX XXXX, XXXX, MA, XXXX, for multiple willful violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This company is currently reporting an alleged debt of {$66.00} originally owed to XXXX XXXX XXXX XXXX, Account No. XXXX XXXX, on my consumer credit reports with XXXX, XXXX, and/or XXXX. This account is inaccurate, unverified, and/or past the applicable statute of limitations. On XX/XX/year>, I sent a written Cease and Desist and Debt Validation letter demanding that this company : ( 1 ) cease all collection activity ; ( 2 ) provide full written validation of the alleged debt; and ( 3 ) immediately remove this account from my consumer credit reports. As of today, the company has VIOLATION 3 FAILURE TO VALIDATE ( FDCPA 15 U.S.C.…

I am filing this complaint against Credit Collection Services regarding an alleged XXXX XXXX debt with an account number ending in XXXX and an alleged balance of {$270.00} that is currently reporting on my XXXX credit report only. It does not appear on my XXXX or XXXX reports. On XX/XX/year> I sent Credit Collection Services a certified letter requesting verification of this debt and offering to pay the balance in full in exchange for deletion of the tradeline. Credit Collection Services responded on XX/XX/year> stating they did not have enough specific information to identify my account. On XX/XX/year> I sent a second certified letter to Credit Collection Services providing my full name, current address, the original creditor name XXXX XXXX, the account number ending in XXXX exactly as it appears on my XXXX credit report, the alleged balance of {$270.00}, and a printed copy of the XXXX credit report page showing this account as reported by Credit Collection Services.…

I am submitting this complaint to request immediate assistance with inaccurate and harmful credit reporting by Credit Control Services regarding an alleged collection account connected to XXXX XXXX. This collection account is currently appearing on my credit report and is negatively affecting my ability to qualify for a home loan and purchase a house. I dispute this collection account in its entirety. I did not open an account with Credit Control Services, I did not do business with Credit Control Services, and I do not have a contractual relationship with this collection agency. If Credit Control Services claims it has authority to collect or report this alleged debt, I request that it provide complete validation and documentation proving its legal right to collect and report the account, including the original creditor records, itemized balance, dates of service, assignment or purchase agreement, and any signed agreement or contract bearing my authorization.…

To Whom It May Concern, I am writing to formally dispute the validity of the aforementioned account currently reporting on my consumer credit files. This account is the result of a severe corporate underwriting and billing error made by XXXX, and I am demanding an immediate retroactive " Void from Inception '' and a full debt recall from all credit XXXX am an XXXX XXXX XXXX in the United States XXXX XXXX XXXX From XX/XX/XXXX through XX/XX/XXXX, I was stationed and residing in XXXX, Kansas. I possess official military orders, housing contracts, and military paperwork that legally prove my continuous, physical domicile in Kansas during this entire timeframe.During the period in question, my spouse and I were living completely separate lives in XXXX different states, and we are currently going through a formal divorce. She was residing in XXXX, Massachusetts, to attend school. she contacted XXXX from XXXX to obtain an auto insurance quote for a vehicle.…

This account was out in my credit report. I returned equipment they were charging me for and asked for an updated payoff but never received it but the balance remains the same even after they received their equipment back.

XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - Disclosure of investigation consumer report ; you are in violation.

I am disputing an inaccurate and fraudulent trade line being reported on my credit file by Credit Collection Services ( CCS ) under a partial account reference ending in asterisks. CCS is reporting a " Date Opened '' of XX/XX/XXXX for an alleged XXXX balance of {$110.00}. The original consumer account with XXXX was legally closed in XX/XX/XXXX. No account was ever opened, nor was any financial agreement entered into, with Credit Collection Services in XX/XX/XXXX. This timeline is mathematically impossible and constitutes illegal " re-aging '' of a debt to artificially deflate a credit score under the FCRA and FDCPA. Furthermore, the underlying balance is completely invalid. It was generated solely due to the negligence of XXXX 's customer service staff, who failed to properly process explicit consumer ACH cancellation instructions in XX/XX/XXXX when the policy was terminated.…

I am disputing an insurance debt that was referred to collections by XXXX XXXX XXXX. After leaving my employer in XX/XX/year>, my XXXX XXXX policy was changed from payroll deduction to direct monthly billing. Since that time, I have received inconsistent information regarding the amount allegedly owed and have not been provided a clear explanation of how the balance was calculated. The collection notice I received states a balance of {$400.00}. However, I have been quoted different amounts during communications regarding this account. Because of these inconsistencies, I dispute the accuracy of the balance and requested documentation showing all premiums charged, payments received, payroll deductions, credits, adjustments, and any other transactions used to calculate the amount claimed. On XX/XX/year>, I contacted XXXX XXXX regarding this matter.…

CCS failed to notify me regarding the debt in writing. They reporting a debt of XXXX XXXX. I have never signed a contract with them.

To Whom It May Concern : I am writing to formally dispute the collection account being reported by Credit Control , LLC on my credit report. I have no knowledge of this account and do not believe it belongs to me. Opened on XXXX XXXX in the amount of {$310.00}. I dispute this account in its entirety and requested a reasonable investigation into the accuracy of the information being reported. If Credit Control , LLC claims that I am responsible for this debt, I requested documentation demonstrating that the account is mine, including but not limited to : * A copy of the original signed contract or agreement bearing my signature; * Any application associated with the account; * Documentation establishing that I incurred the alleged debt; * Documentation showing that Credit Control , LLC has the legal authority to collect and report this debt.

On XX/XX/year>, at XXXX PM, I received a text message from a collection agency that reads as followed : " CREDIT COLLECTION SERVICES is a debt collector. We are trying to collect a debt that you owe to XXXX. We will use any information you give us to help collect the debt. Attached to this message is a .pdf file with important information. Telephone : ( XXXX ) XXXX. Self-service : www.ccspayment.com. Reference File # XXXX. To opt out, reply STOP. '' The message also included a pdf document attached that stated my full name, address, and amount of debt owed. The sender did not attempt to verify my identity in any way before releasing this information. On XX/XX/year> at XXXX AM I received another message reading : " This message is from CREDIT COLLECTION SERVICES ( a debt collector ) regarding XXXX. You can call ( XXXX ) XXXX or visit www.ccspayment.com to self-service. Reference File # XXXX. Thank you. To opt out, reply STOP.…

My personal information, including my email account credentials and other PII, was compromised in multiple data breaches. As a result, unauthorized accounts and lines of credit were opened without my knowledge, permission.

Collection agency name : Credit Collection Services Dear ( Debt Collector ), I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5.…

CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

I am filing this complaint against CREDIT CONTROL SERVIVES, located at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, for multiple willful violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This company is currently reporting an alleged debt of {$40.00} originally owed to XXXX XXXX XXXXXXXX XXXX XXXX Account No. XXXX XXXXXXXX, on my consumer credit reports with XXXX XXXX, and/or XXXX. This account is inaccurate, unverified, and/or past the applicable statute of limitations. On XX/XX/year>, I sent a written Cease and Desist and Debt Validation letter demanding that this company : ( 1 ) cease all collection activity ; ( 2 ) provide full written validation of the alleged debt; and ( 3 ) immediately remove this account from my consumer credit reports. As of today, the company has VIOLATION 3 FAILURE TO VALIDATE ( FDCPA 15 U.S.C.…

I have two derogatory remarks on my credit report that are fraudulent and I would like removed ASAP. These are not my accounts. The first one is from Credit Collections with an amount of {$180.00} and the other is from XXXX XXXX XXXX with an Amount of {$91.00}. Please remove these as these are fraudulent, not authorized by me and is negatively impacting my credit profile.