Product: Debt collection

XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing desiring to file a formal complaint against AmSher Collection Services for engaging in abusive, deceptive, and unfair debt collection practices in violation of federal regulations. I am requesting your immediate investigation into their conduct. 

AmSher Collection Services Reporting On XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Account Type : Collection Original Balance : {$220.00} Balance Updated : XX/XX/XXXX Status : Collection account {$88.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Specific Violations : I WOULD LIKE TO SAY : AmSher Collection Services has violated the following regulations : 12 CFR 1006.34 ( b ) ( 5 ) - Communication Practices ( Harassment or Abuse ) : My cell phone has been called and texted. I should not be subjected to actions that constitute harassment or abuse, excessive phone calls, calls at unusual hours or illegitimate threats. My cell cell phone should not be called repeatedly, often multiple times per day, if I request to not be called. I am requesting that AmSher Collection DO NOT CONTACT ME IN ANY WAY NOR AT ANYTIME. 


12 CFR 1006.34 ( c ) ( 4 ) ( i ) - False, Misleading, or Deceptive Representations ( Failure to Disclose ) : I do not want to be called by any AmSher Collection representative failing to disclose that they are a debt collector or misrepresenting the amount owed. Please do not call or text my phone giving me false or misleading information.

12 CFR 1006.34 ( d ) - Unfair or Unconscionable Acts or Practices : unfair or unconscionable acts or practices by AmSher. To call and demand payment of an amount not owed, attempting to collect on a debt that IS NOT MINE is unconscionable.

AmSher Collection Services is attempting to collect on a debt that I believe is not valid. If I have requested verification of the debt and they have failed to provide adequate documentation, how would I know its mine? I NEVER SIGNED UP FOR ANY SERVICE IN WHICH I AGREED TO PAY FOR. If I had, produce the document proving I agreed to accept and pay for any service. If you can't, leave me alone. THIS IS NOT MY DEBT... Please do not continue to demand payment for a debt that is not mine, which I consider an unfair and unconscionable act... 

15 U.S.C. 1681s-2 ( b ) ( 7 ) ( A ) - Duties of Furnishers of Information ( Failure to Investigate Disputes ) : I have tried to resolve this debt and dispute it countless times... This is not my debt. I dont believe that AmSher Collections has conducted a reasonable investigation. Yet, if you refuse to investigate, why would they continue to report inaccurate information to credit reporting agencies?

Requested Action : I request that the CFPB : Investigate AmSher Collection Services ' practices. 
Take appropriate enforcement action to ensure they comply with federal regulations. 
Require AmSher Collection Services to cease all collection activity on this disputed debt until they can provide proper validation.

Require AmSher Collection services to REMOVE THIS COLLECTION OFF MY CREDIT REPORT. Do not allow them to report inaccurate information to credit reporting agencies. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX