I received a negative mark on my credit report in XXXX of XXXX, I learned via XXXX ( a credit monitoring app ) that I had a Collections Report on my account. The only information provided was that the debt attempted to be collected is {$530.00} and that the Lender is " XXXX XXXX XXXX. '' At no point did anyone from Amsher Collections or XXXX XXXX reach out to me in regards to this debt prior. I sent a letter via certified mail with receipt on XX/XX/XXXX and have received the receipt back yet no response from Amsher Collections to explain why the charge exists, whether they have the authority or licensing to pursue such actions or any proof of this debt existing with XXXX XXXX. As I have not been a XXXX XXXX customer since XXXX, I am highly concerned about the truth of this debt as well as my credit score and social security number being at risk.