Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Collections XXXX XXXX XXXX, XXXX XXXX XXXX, AL XXXX XX/XX/XXXX Verification of Debt Request Re : Acct # : XXXX Amount in dispute : {$2000.00} Dear Amsher Collections, I am writing regarding the debt you are attempting to collect. You contacted me via phone on XX/XX/XXXX. This letter is being sent pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( a ) and ( b ), which requires you to provide the following information : Details Regarding the Debt and the Creditor Within five days of the initial communication with a consumer regarding the collection of any debt, a debt collector must, unless the required information was included in the initial communication or the debt has already been paid, provide the consumer with a written notice that includes : - The total amount of the debt. 
- The name of the current creditor to whom the debt is owed. 
- A statement that unless the consumer disputes the validity of the debt, or any part of it, within 30 days of receiving the notice, the debt will be considered valid by the debt collector. 
- A statement that if the consumer sends written notice disputing the debt, or any portion of it, within 30 days, the debt collector will secure verification of the debt or obtain a copy of a Page 1 of 3 judgment against the consumer and will send that documentation to the consumer by mail.

- A statement that if the consumer submits a written request within the 30-day period, the debt collector will provide the name and address of the original creditor, if it is different from the current creditor.

Details Concerning the Amount and Age of the Debt You are required to provide a full accounting of the debt you claim I owe within 30 days of receiving this letter. This documentation must include, but is not limited to : - A complete and signed copy of the contract that forms the basis of the alleged debt.

- An itemized statement detailing the specific charges and amounts that make up the alleged debt.

- A clear explanation and documentation showing how the disputed amount was calculated.

- Copies of any documents, ledgers, spreadsheets, or similar records that demonstrate I agreed to pay the amount you are claiming.

- The full name and identity of the original creditor.

- A detailed identification and description of any third-party charges included in the disputed amount, along with a complete itemized list of those costs.

- An affidavit confirming that the Statute of Limitations on this account has not expired.

Details Regarding Your Legal Authority to Collect This Debt - Confirmation of the existence of a valid debt collection license in the consumers state. If no license is held, provide a justification. If licensed, include the issuance date, the name listed on the license, the license number, and the contact information of the issuing agency.

- Indicate whether the communication originates from outside the consumers state, and whether a valid debt collection license exists for that jurisdiction, including the license number and the contact details of the issuing authority.

Page 2 of 3 I further dispute the validity of this debt and assert all rights provided under the Fair Debt Collection Practices Act and any other applicable state laws.

I request that all collection activities be suspended and that clear and convincing evidence be provided demonstrating my legal obligation to pay the alleged amount to your agency and/or the original creditor.

Please note : If any invalidated or inaccurate information has been reported to the three major Credit Bureaus ( Equifax, Experian, or TransUnion ), such reporting may constitute fraud and credit defamation under applicable Federal and State laws. Therefore, if any such negative mark appears on my credit reports from you or any third party you represent, I hereby demand its removal during the pendency of this dispute.

Please respond to this request within 30 days from the date of this letter. A written response is necessary to allow for an informed decision regarding the alleged debt. In addition to the information requested above, provide written notice if a reduced amount will be accepted in satisfaction of the claimed debt. 
Sincerely, ________________________ XXXX XXXX XX/XX/XXXX Date Page 3 of 3 Debt Validation Letter : Instructions for Use Your personalized Debt Validation Letter is ready. Follow these steps to correctly use the document and protect your rights.

Review Your Personal and Creditor Information Check that the letter includes the correct details before you send it. Confirm the following are included : Your name and contact details Name of the debt collector or agency The account number or reference number ( if available ) The amount in dispute The name of the original creditor ( if known ) If any of this information is missing or incorrect, update the letter before you sign and send it.

Send the Letter Using a Trackable Method You must send the letter in writing. Phone calls are not enough to invoke your rights.

Use a method that provides proof of delivery, such as : Priority Mail with tracking Certified Mail with return receipt Courier with delivery confirmation Sending it by a traceable method helps you prove that the collector received it. Once the delivery is confirmed, the 30-day response period mandated by the Fair Debt Collection Practices Act begins.

Wait for the Collectors Response Debt collectors are legally required to stop collection activity until they send a written verification of the debt.

This should include the name and address of the original creditor, and a confirmation of the amount owed.

They must respond within 30 days of receiving your letter. Do not make any payments or agreements before they reply.

1/2 Debt Validation Letter : Instructions for Use Keep All Documentation Save copies of everything you send and receive. This includes : The signed and dated Debt Validation Letter Proof of mailing and delivery Any correspondence from the debt collector Notes on phone calls, if any Keep these documents for your personal records. They can be useful if the dispute escalates.

Related Documents Depending on your situation, you may also find these documents useful : Promissory Note Pay For Delete Letter LawDistrict provides these documents with simple guidance based on your local jurisdictions legal standards.

Please note that the information provided above is not intended as legal advice. We are not a law firm and can not provide legal advice or representation. The instructions provided are for general informational purposes only. If you have any doubts or concerns about the use or validity of the Debt Validation Letter, we strongly recommend seeking the guidance of a licensed attorney who can provide legal advice tailored to your specific circumstances and jurisdiction.

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