Consumer complaint received 2019-05-14
Company: Amsher Collection Services, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Worst experience ever. I discontinued my XXXX business account almost 2 years ago. Never received a bill, a call, or any correspondence from XXXX and I currently have XXXX cell service. We moved and changed addresses in XXXX and still never received a bill or collection letter. My husband and I began the home buying process in XXXX and were told that I had an Amsher collection for XXXX sitting on my credit for {$160.00}. I was totally confused about the lack of communication from Amsher before placing it on my credit. On XX/XX/XXXX, I called the XXXX phone number on my credit report to be told that my account was with a law office and that I had to resolve the matter there before Amsher would speak to me about credit reporting. I called the law office, resolved the account with a Mastercard, and they told me it would take 3 business days before Amsher had the account to speak with me about the credit reporting because the law office could not do anything but take a payment and send me a debt resolution letter. I called Amsher back to inquire how the credit reporting would look once they got the account back and was rudely told that they would update it as " settled '' instead of " paid '' or delete it all together. I waited until the 5th business day, XXXX, to call Amsher to inquire about the credit reporting and was told a rep named XXXX to call the law office because my account was " closed ''. I called the law office and inquired about the situation and they said that they'd already notified Amsher of my account status and to call them back to inquire about credit reporting because the law office DID NOT have anything to do with the credit reporting. I called Amsher back and spoke with XXXX again who told me to again call the law office and speak with a Mr. XXXX because the account was closed and she didn't have any additional information. I called the law office AGAIN, and the rep XXXX said that the law office DOES NOT have anything to do with the credit reporting and that Amsher would have to be the one to update or remove the collection because they put it on. She told me to speak with a manager. By this time, I was frustrated and confused with the runaround. I called Amsher back and spoke with a XXXX who tried to send me back to the law office, but I told her that I'd just got off the phone with them and that the law office was strongly suggestive that I speak with a manager because they don't do anything about credit. XXXX put me on hold and then came back to say that I had to call the law office. When I told her again that I'd just spoken to the law office, a very rude manager, XXXX, got on the phone and rudely explained about their contract with the law office and that the law office would provide me with everything that I needed, including the credit reporting. I tried to get a word in but he interrupted me and then rudely hung up. I called Amsher back to speak with another manager over XXXX, and I could hear people in the background laughing and the rep became extremely rude when I asked to speak to a manager over XXXX. She stated that I'd already been spoken to and since I didn't want to speak with them before, she wasn't going to speak with me now and hung up. I ended up calling the law office who stated to complain higher and report Amsher 's refusal to assist to the credit bureau 's. Frustrated, I called XXXX who tried to help by calling Amsher. The rep at Amsher lied to the XXXX rep and said they have to send the law office a notification and wait for the law office which usually takes 5 days. The XXXX rep tried to ask more questions, was cut off, and told that I would have to call back on Friday to see if the law office was done. This has been the worst experience and the collection is still sitting on all 3 credit reports!

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