Consumer complaint received 2024-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to file a formal complaint against AMSHER COLLECTIONS regarding their unethical practices in handling a collection account associated with my consumer report. I believe that the actions of AMSHER COLLECTIONS are in direct violation of consumer protection laws as outlined under the Consumer Financial Protection Bureau ( CFPB ) regulations and the Fair Credit Reporting Act ( FCRA ). 

Despite repeated attempts to obtain validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), AMSHER COLLECTIONS has failed to provide any documentation supporting the legitimacy of the debt they are attempting to collect from me. This blatant disregard for the regulations not only violates my rights as a consumer but also undermines the integrity of the debt collection process.

Furthermore, I have not been given a fair opportunity to dispute the account, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). It is my fundamental right to challenge any inaccurate or incomplete information on my consumer report, and the failure of AMSHER COLLECTIONS to facilitate this process is a clear violation of consumer protection laws.

In addition to the lack of validation and dispute opportunities, AMSHER COLLECTIONS has resorted to false, misleading, and deceptive practices in their attempts to collect the debt. Such conduct is unacceptable and goes against the principles of fair debt collection outlined by regulatory authorities.

Moreover, AMSHER COLLECTIONS has furnished the account to consumer reporting agencies without providing the necessary disclosures required by law, as stipulated under 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). This action further demonstrates their disregard for legal obligations and consumer rights.

In light of the aforementioned violations, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against AMSHER COLLECTIONS. I request that AMSHER COLLECTIONS be held accountable for their actions and that all necessary measures be taken to rectify the damage caused to my consumer rights and credit report.

I have contacted each credit Bureau Agency of an identity breach.

they refuse to remove this debt. That does not belong to me.

I have enclosed proof of a breach.

The constant Calls while I am at work.

Has gone too far. every day.

Use of illegal tactics for payment.

I am requesting validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically under Section 809 ( b ), and to ensure compliance with the Fair Credit Reporting Act ( FCRA ). It is imperative that you provide the following information : 1. Verification or a copy of the original signed contract or agreement between myself and the original creditor, proving that I am legally obligated to pay the debt.

2. Documentation showing the exact amount of the debt, including any interest, fees, or other charges that may have accrued.

3. Proof that AMSHER COLLECTIONS is licensed to collect debts in my state.

Please be advised that failure to provide this information within the legally mandated time frame of 30 days will result in the debt being considered invalid. In such case, I will request that AMSHER COLLECTIONS removes the collection account from all credit reporting agencies to which it has been reported.

I expect a prompt response to this request within 30 days of the receipt of this letter. Additionally, any communication regarding this matter should be in writing and sent to the address listed at the top of this letter.

Thank you for your attention to this matter. I look forward to resolving this issue promptly and amicably.

Enclosed with this letter are copies of relevant documentation, including correspondence with AMSHER COLLECTIONS and any other pertinent information to support my claim. I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will take decisive action to address this issue. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX