Consumer complaint received 2023-12-20
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  [ Re : Complaint against XXXX, Account Number : Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Amsher, a debt collection agency, for violations of the Consumer Financial Protection Act ( XXXX ), Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other relevant regulations. The unauthorized reporting of transaction history to XXXX, XXXX, and XXXX by Amsher is a blatant violation of federal laws and regulations. 

I believe Amsher has violated the following provisions : XXXX. XXXX XXXX XXXX - Privacy of XXXX XXXX XXXX : ** Amsher has failed to comply with the privacy provisions outlined in XXXX CFR XXXX by reporting transaction history without proper authorization. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Preservation of Consumers Claims and Defenses : ** Amsher has failed to adhere to the regulations regarding the preservation of consumers ' claims and defenses by reporting inaccurate and unauthorized transaction history. 
3. **15 USC 6801 and 15 USC 6802 - Privacy of Consumer Financial Information : ** Amsher 's unauthorized reporting of transaction history violates the provisions of the Gramm-Leach-Bliley Act, specifically 15 USC 6801 and 15 USC 6802. 

4. **15 USC 1681 - Fair Credit Reporting Act ( FCRA ) : ** Amsher 's actions violate the FCRA by reporting inaccurate and unauthorized information to credit reporting agencies, including XXXX XXXX XXXX, and XXXX XXXX 

XXXX. **The Privacy Act of 1974 : ** Amsher 's unauthorized reporting of transaction history also raises concerns under The Privacy Act of 1974, as it involves the disclosure of personal information without proper authorization. 

XXXX. XXXX XXXX XXXX : ** Amsher 's actions are inconsistent with the principles of the Consumer Protection Act, as it engages in unfair and deceptive practices by reporting unauthorized transaction history. 

7. **Fair Debt Collection Practices Act ( FDCPA ) : ** Amsher 's unauthorized reporting of transaction history violates the FDCPA, specifically by engaging in misleading and deceptive practices. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate enforcement actions against Amsher. Additionally, I seek relief in the form of a correction to my credit report, removal of the unauthorized information, and any other remedies available under the law. 

Enclosed with this letter are supporting documents, including evidence of unauthorized reporting and any correspondence with Amsher regarding this matter. I appreciate your prompt attention to this complaint and look forward to a resolution that upholds consumer rights and protections. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation