Product: Debt collection

URGENT FEDERAL VIOLATION REPORT Subject : Dual Violations by Amsher Collection Services and Credit Bureaus Reporting Unvalidated, Time-Barred, and Undisputable Debt Consumer Name : XXXX Issue Summary : I am filing this formal complaint against : 1. Amsher Collection Services XXXX. XXXX XXXX XXXX ( Original Creditor ) 3XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) for the reporting, verification, and continued presence of a debt that is : Unvalidated Undisputable due to dispute-blocking system abuse Lacking critical legal data ( no last payment, no first delinquency ) Reported with resolved dispute status without resolution Resulting in direct harm to my creditworthiness Account Details : Debt Collector : Amsher Collection Services Original Creditor : XXXXXXXX XXXX XXXX Account Owner : Individual Account Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Balance Owed : {$360.00} Original Amount Owed : {$360.00} Date of First Delinquency : Not Provided ( Violation ) Date of Last Payment : Not Provided ( Violation ) Account Status : Unpaid Status Comment : Account Previously In Dispute Now Resolved By Data Furnisher Agency Address : XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX Phone : XXXX Violations and Legal Grounds : 1. Failure to Provide Required Account Information Violation of 15 U.S.C. 1681g & 1681c Credit bureaus and furnishers must report complete and accurate details, including date of last payment and date of first delinquency. The omission of these dates makes this entry unverifiable and legally non-compliant.

The date of first delinquency is mandatory to determine reporting timelines under 1681c ( a ).

2. False Indication of Dispute Resolution Without Evidence Violation of 15 U.S.C. 1681i ( a ) ( 1 ) & 1681i ( 7 ) The phrase Account Previously In Dispute Now Resolved By Data Furnisher implies that a reinvestigation took place, yet no method of reinvestigation has been disclosed, and no documents proving resolution were provided, as required by 1681i ( 7 ). 

XXXX. Dispute Blocking / Dispute Not Available Abuse Violation of FCRA 1681i ( a ) ( 3 ) I was denied the right to file a dispute through XXXX and XXXX  systems. Blocking the dispute function or auto-marking a dispute frivolous without explanation is a federal violation.

4. Lack of Debt Validation by Amsher Violation of FDCPA 15 U.S.C. 1692g ( b ), 1692e, and 1692f Upon written request, Amsher failed to validate this debt by : Not providing a copy of the original agreement Not detailing charges and activity Not proving ownership or collection rights Continuing to report or collect on an unvalidated debt is illegal and actionable under federal law. 

5. Statutory Reporting Window Unclear / Potential Time-Barred Debt Violation of FCRA 1681c ( a ) ( 4 ) & 1681s-2 ( b ) If the original delinquency occurred prior to 2018, this debt may already be past the 7-year limit. Without a disclosed first delinquency date, this can not be verified which is grounds for immediate deletion. 



Pattern of Abuse ( Across Multiple Agencies ) : This case is not isolated. I also have a parallel unresolved matter with XXXX. XXXX XXXX XXXX that has been in dispute since XXXX for an account assigned in XXXX. Both accounts are being : Reported without validation Reported beyond legal time limits Marked as resolved without disclosure Used to suppress dispute rights This is a systemic violation and constitutes gross negligence at minimum, and potential willful noncompliance under 1681n, which carries financial penalties.

Relief Sought : 1. Immediate deletion of this debt from all three credit bureaus 2. A formal investigation into Amsher Collection Services and XXXX XXXX XXXX XXXX. A written explanation from all bureaus regarding the method of reinvestigation ( as per 1681i ( 7 ) ) 4. Clarification on why the dispute option is disabled 5. A civil penalty enforcement review by the CFPB and possible referral to the FTC Additional Damages Incurred : Due to these violations, I am currently preparing legal action and seeking : {$1000.00} per violation under 1681n and 1692k Damages for emotional distress and credit denials Total claims exceeding {$100000.00} across both disputes Final Statement : I have no verified record of owing XXXX XXXX XXXX. I was never notified of this debt before its reporting, was denied the right to dispute it, and have received XXXX evidence or supporting documentation. The deliberate lack of transparency and legal compliance forces me to involve the CFPB at this time and pursue all legal remedies if not immediately addressed. 



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