Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
I am filing this complaint regarding inaccurate, misleading, and unverified information reported on my credit profile by AmSher Collection Services. This reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The following issues warrant immediate attention and corrective action : 1. Violation of FCRAs Accuracy Requirements Under 15 U.S. Code 1681e ( b ) and 1681i ( a ) ( 5 ), credit reporting agencies and furnishers must ensure the accuracy of reported information. AmSher Collection Services has failed to validate and ensure the accuracy of this alleged debt. My formal debt validation request, sent via certified U.S. mail on XX/XX/XXXX, was delivered to AmSher on XX/XX/XXXX, as verified by USPS tracking. Despite the statutory obligation to respond within 30 days, I have received no response or documentation from AmSher. 

2. Unverified and Unrecognized Debt -I have no knowledge of this alleged debt, and my validation request explicitly demanded documentation, including the original contract or signed agreement proving my responsibility for this debt. To date, no such documentation has been provided. 
XXXX contacted the original creditor, XXXX XXXX who confirmed that this account is classified as a business account. Reporting it under my personal credit profile is both inaccurate and misleading. 
-The address associated with this account, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX, is one with which I have no connection. This inconsistency further demonstrates the inaccuracy of the reporting. 
-The account number reported is incomplete ( e.g.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), rendering the account unrecognizable and further reflecting incomplete and inaccurate reporting. 
FDCPA Violations 3. AmSher Collection Services has violated the following provisions : -15 U.S. Code 1692g : Failing to provide a timely response to my written request for debt validation within the required timeframe. 
-15 U.S. Code 1692d : Engaging in conduct that harms my reputation by reporting inaccurate and unverified information.

-15 U.S. Code 1692j : Using deceptive practices that create the false impression of debt validity without providing the requested proof.

Supporting Documentation : -Certified mail receipt and USPS tracking confirmation verifying delivery of my validation request on XX/XX/XXXX. 
-A copy of my original validation letter outlining the deficiencies in reporting and documentation. 
-3 Bureau report from XX/XX/XXXX highlighting some of the violations -3 Bureau report from XX/XX/XXXX highlighting some of the violations, including XXXX stating this resolved as of XX/XX/XXXX. I still have received no US mail communication on my dispute, per my debt validation request. 

Thank you for your immediate attention to this matter. Please confirm receipt of this complaint and provide updates on the corrective actions taken. 

Sincerely, XXXX XXXX

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