CCS Credit Collection Services Could Care Less About the FTC & ID THEFT, They WILL Continue to Verify with Credit Bureaus Without Proving VALIDATION Newton Massachusetts
2/2005 I learned of an account on my credit report that I had no prior knowledge of. I called and spoke with a gentleman and his supervisor and learned that it was with an auto insurance company I did not have service with. They gave me the policy number and I contacted the insurance carrier and learned that it was for a vehicle that I never owned.
I called CCS back and informed them of such and that this account was due to ID Theft as it was not mine and then requested that they validate this account.
Due to no response I sent them a letter CMRRR 04/2005 disputing the account. However, CCS has no regards to the consumer rights. More than a year late they have verified the information with the Credit Bureau multiple times, without ever validating the account with the consumer AND neglected to ever mark the account as "Consumer Disputes".
In my opinion this company is the lowest of lows as they feel they are actually able to violate a consumer's rights each and everyday, just because they feel like.
They will not change their ways until someone takes them to federal court and show the world the total disregard they have to the rules and regulations that they are mandated to obey.
Kristina
Kenai, Alaska
U.S.A.
5 Updates & Rebuttals
Kristina
Kenai,Alaska,
U.S.A.
CCS Remains Lower Than Life and Refuses to Abide by FTC's Rules
#6Author of original report
Sun, March 05, 2006
Tony,
Thank you for taking the time to respond to this wrong that CCS continues to take towards me. I have sent them numerous letters disputing the debt and requesting validation, and they have done nothing. They have not even sent me the mini-Miranda within the 5 days after I called them. In fact outside of their information on my credit report have never received anything regarding this account.
My problem is that although they are aware I dispute the account, they have made no effort to validate, although they have verified with the credit bureau numerous times even though they are aware this is a fraud account. I have reached a dead end because as long as they verify it seems that I am unable to get this fraud account removed.
They have even neglected to note that the account is in dispute. The number of violations I have been the victim of is astronomical and if need be I will file in a federal court and sue for the violations they willingly committed since they are completely aware that it is a fraud.
I will give your letter a last will attempt prior to heading to the courthouse, as they are violating my consumer rights each and everyday and should be made to pay for their actions.
Kristina
Kenai,Alaska,
U.S.A.
CCS Remains Lower Than Life and Refuses to Abide by FTC's Rules
#6Author of original report
Sun, March 05, 2006
Tony,
Thank you for taking the time to respond to this wrong that CCS continues to take towards me. I have sent them numerous letters disputing the debt and requesting validation, and they have done nothing. They have not even sent me the mini-Miranda within the 5 days after I called them. In fact outside of their information on my credit report have never received anything regarding this account.
My problem is that although they are aware I dispute the account, they have made no effort to validate, although they have verified with the credit bureau numerous times even though they are aware this is a fraud account. I have reached a dead end because as long as they verify it seems that I am unable to get this fraud account removed.
They have even neglected to note that the account is in dispute. The number of violations I have been the victim of is astronomical and if need be I will file in a federal court and sue for the violations they willingly committed since they are completely aware that it is a fraud.
I will give your letter a last will attempt prior to heading to the courthouse, as they are violating my consumer rights each and everyday and should be made to pay for their actions.
Kristina
Kenai,Alaska,
U.S.A.
CCS Remains Lower Than Life and Refuses to Abide by FTC's Rules
#6Author of original report
Sun, March 05, 2006
Tony,
Thank you for taking the time to respond to this wrong that CCS continues to take towards me. I have sent them numerous letters disputing the debt and requesting validation, and they have done nothing. They have not even sent me the mini-Miranda within the 5 days after I called them. In fact outside of their information on my credit report have never received anything regarding this account.
My problem is that although they are aware I dispute the account, they have made no effort to validate, although they have verified with the credit bureau numerous times even though they are aware this is a fraud account. I have reached a dead end because as long as they verify it seems that I am unable to get this fraud account removed.
They have even neglected to note that the account is in dispute. The number of violations I have been the victim of is astronomical and if need be I will file in a federal court and sue for the violations they willingly committed since they are completely aware that it is a fraud.
I will give your letter a last will attempt prior to heading to the courthouse, as they are violating my consumer rights each and everyday and should be made to pay for their actions.
Kristina
Kenai,Alaska,
U.S.A.
CCS Remains Lower Than Life and Refuses to Abide by FTC's Rules
#6Author of original report
Sun, March 05, 2006
Tony,
Thank you for taking the time to respond to this wrong that CCS continues to take towards me. I have sent them numerous letters disputing the debt and requesting validation, and they have done nothing. They have not even sent me the mini-Miranda within the 5 days after I called them. In fact outside of their information on my credit report have never received anything regarding this account.
My problem is that although they are aware I dispute the account, they have made no effort to validate, although they have verified with the credit bureau numerous times even though they are aware this is a fraud account. I have reached a dead end because as long as they verify it seems that I am unable to get this fraud account removed.
They have even neglected to note that the account is in dispute. The number of violations I have been the victim of is astronomical and if need be I will file in a federal court and sue for the violations they willingly committed since they are completely aware that it is a fraud.
I will give your letter a last will attempt prior to heading to the courthouse, as they are violating my consumer rights each and everyday and should be made to pay for their actions.
Tony
Bakersfield,California,
U.S.A.
Try this letter
#6Consumer Suggestion
Sat, March 04, 2006
Kristina:
This kind of behavior is endemic with collection agencies and they damage people's lives with a total lack of concern for anything except money. Don't even mess with them. Here is a form letter you can use that will stop them in their tracks.
Getting this bogus data off your credit reports is a bit tricky and the CRA's don't give a rap for you or your problems, they only care about the money they receive from their clients who put the data on your credit report.
The CRA's do not make money REMOVING information. But you can force them to verify the debt, and when they can't, they have to remove the information that is on your report. If CCS, after no response to this form letter, still verifies the debt, they are in violation of a number of state and federal laws and you can prosecute them. So keep copies of all correspondence to and from the collection agency and the credit bureaus. Here is the form letter to use:
Via: U.S Postal Service, Certified Mail #
To: CCS Credit Collection Services
2 Wells Ave
Newton Massachusetts 02469
DATE
And all and sundry whom these presents do or may concern:
Re: Original Creditor's name
Account Number:
Purported Balance $
This written communication is my response to your written communication, dated , attempting to collect a debt.
This written communication also gives NOTICE to CCS Credit Collection Services that the purported Debtor does not take issue with the amount of the above referenced purported debt; rather, the purported debtor asserts that the above referenced purported debt is not valid.
This written communication shall not be construed in any way to be a refusal to pay the above referenced purported debt or any portion thereof; but rather, pursuant to the Fair Debt Collection Practices Act (the act), 15 U.S.C ? 1601 and 1692 et. Seq., this written communication is noticing CCS Credit Collection Services that:
a) the entire amount of referenced purported debt is disputed, and
b) this is a request for validation of the above referenced purported debt.
Further, the herein above request for validation of the above referenced purported debt is not a request for a copy of any invoice, statement, bill, agreement, alleged agreement, contract, or alleged contract; nor is it a request for a copy of any notification or assignment, negotiation, or transfer of rights; nor is it a request for a copy of any other un-verified document or presentment referencing said purported debt. The request for validation of the above referenced purported debt is a request for bona fide verification of the above referenced purported debt.
Pursuant to law, said verification validating said purported debt must be in the form of a duly sworn or affirmed affidavit, oath, or deposition, by the real party of interest, verifying the lawful existence of a bona fide debt. Absent said verification, pursuant to the Act, effective immediately upon receipt of this Notice, CCS Credit Collection Services will cease all collection efforts against the purported debtor.
CCS Credit Collection Services is also:
a) barred from reporting any derogatory credit information to any credit reporting agency regarding the above said disputed purported debt;
b) prohibited from contacting the purported debtor through the mail, by telephone, in person, at the purported Debtor's home or at the purported Debtor's place of employment;
c) prohibited from contacting any other third party in regard to the above referenced purported debt until the said referenced purported debt is verified as indicated above and the said verification is sent to the purported debtor.
Note: The Fair Debt Collection Practices Act at 15 USC ? 1692 et seq., states in relevant part that: ?A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt? which includes ?the false representation of the character, or legal status of any debt? and ?the threat to take any action that cannot be legally taken?--all of which are violations of Law. Wherefore, the herein referenced CCS Credit Collection Services and/or assignee(s) is/are prohibited from filing any lawsuit, notice of lien, or levy, or any legal action against the purported debtor until said purported debt is verified as indicated above.
15 U.S.C ? 1692e (8) states: ?Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed? is a violation of 1692e.
Further, CCS Credit Collection Services' above referenced written communication, if valid, is an issue of public currency, and the purported debtor hereby requests, from the above referenced CCS Credit Collection Services, in accordance with the fundamental principals of American jurisprudence and law, the bona fide documentary evidence which established the lawful basis for said CCS Credit Collection Services' issue of public currency and claim for payment of the alleged debt liability referenced within CCS Credit Collection Services' said written communication, to wit:
1. Bona fide identification of the person(s) making the herein referenced request for payment, including a copy of said person's bona fide handwritten, legible and notarized signature, and the thumbprint, from either hand, of said person making the herein referenced request for payment;
2. The bona fide evidence of the said person(s) authority to make said herein referenced request for payment, if said person is making it for another;
3. Exhibition of the bona fide instrument; i.e., the bona fide commercial contract bearing the bona fide signature which supports the above referenced CCS Credit Collection Services' issue of a public currency collectable against the purported Debtor and/or against the purported debtor's assets; and
4. The positive law in support of CCS Credit Collection Services' herein referenced written communication attempting to collect a purported debt, which, operating publicly, established CCS Credit Collection Services' issue of a public currency collectable against the purported Debtor and/or against the purported Debtor's property.
The purported debtor can and will lawfully construe the herein referenced CCS Credit Collection Services' failure to comply with and satisfy the requirements of the Fair Debt Collection Practices Act and the above four requests within a reasonable time, thirty days (30 days), after CCS Credit Collection Services' receipt of this written communication, to be the herein referenced CCS Credit Collection Services' invalidation of the herein referenced CCS Credit Collection Services' herein referenced request for payment. Verification of the herein referenced purported debt and satisfaction of the above four specific requests must be in the form of a duly sworn or affirmed affidavit, oath or deposition.
Until the above referenced purported debt is verified pursuant to the act and said verifications sent to and received by the purported Debtor, each and every contact in violation of the act will constitute harassment and defamation of character and will subject CCS Credit Collection Services and any and all agents, in their private individual capacity, who take part in such harassment and defamation, to a liability for damages, as well as statutory damages, and a further liability for legal fees for each and every violation.
CCS Credit Collection Services tacitly agrees that:
CCS Credit Collection Services has a duty to prevent the above referenced account from resulting in any damage(s) to the purported Debtor, and the purported Debtor reserves the right to initiate a counterclaim or initiate a claim against the bond of surety of CCS Credit Collection Services and/or any principal, agent or assignee of CCS Credit Collection Services, whose act(s) or failure to act result in tort damages to the purported Debtor.
NOTICE: the purported Debtor's Surety of due process of law is guaranteed at 18 USC ? 1581, 242, 241, 4, and 15 USC ? 1692.
Please be guided accordingly,
??????????????__________________________
(Signature of purported debtor)
CREDITOR AND/OR DEBT COLLECTOR DISCLOSURE STATEMENT
Name of Debt Collector _______________________
Address of Debt Collector __________________________
Name of purported Debtor _______________
Address of purported Debtor ___________
Account Number(s) _________
Amount of purported debt: $ ____________ Date purported debt became payable: ____________
Was purported debt purchased from a previous creditor? YES NO Purchase amount: $_______
What are the terms of assignment for this account?: _____________________
(Respondent may attach a facsimile of any record relating to such terms)
List the specific products or services sold by the collector to the debtor & the dollar amount of each:
----------------------
Have any insurance claims been made by any creditor or assignee regarding this account?: YES NO
Have any tax write-offs been made by any creditor or assignee regarding this account?: YES NO
Has the purported balance of this account been used in any tax deduction claim?: YES NO
Have any charge-offs been made by any creditor or assignee regarding this account?: YES NO
Have any judgments been obtained by any creditor or assignee regarding this account?: YES NO
Upon CCS Credit Collection Services' failure or refusal to complete and return this statement, CCS Credit Collection Services tacitly agrees to waive all claims against the purported Debtor, and CCS Credit Collection Services agrees to pay the purported Debtor for all costs and attorney fees that may be incurred in defense of the collection effort.
Date: ___________
Legible Signature of authorized agent or representative
Printed Name of Signatory
___________________
Official Title of Signatory
CCS Credit Collection Services is directed to complete and return this Disclosure Statement along with all required information and documents herein requested. CCS Credit Collection Services' claim will not be considered if any portion of this form is not completed and returned with the required information and documents. The Fair Debt Collection Practices Act at 15 USC ? 1692 et seq., states in relevant part that: ?A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt? which includes ?the false representation of the character, or legal status of any debt? and ?the threat to take any action that cannot be legally taken?--all of which are violations of Law. If CCS Credit Collection Services does not respond as required by Law, CCS Credit Collection Services' claim will not be considered and CCS Credit Collection Services may be liable for damages for any continued collection efforts against the purported Debtor, or for any other injury related to any continued collection efforts against the purported Debtor.