Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: IL

Complaint narrative:
Date : XX/XX/year> Subject : Formal Complaint Against XXXX XXXX XXXX  for Multiple FDCPA and FCRA Violations Priority : URGENT - Ongoing Daily Violations Requiring Immediate Intervention TO : Consumer Financial Protection Bureau RE : Systematic Violations by XXXX XXXX XXXX  - Failure to Comply with Debt Validation Requirements and Unlawful Credit Reporting XXXX SUMMARY I am filing this formal complaint against XXXX XXXX XXXX  for their blatant and ongoing violations of federal consumer protection laws. This debt collector has systematically violated the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX XXXX et seq. and the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX et seq. through their failure to provide required initial disclosures, complete disregard for debt validation requests, and continued reporting of unverified debt information to credit bureaus. 
After years of credit bureau failures to properly investigate disputes and remove inaccurate information, I am taking matters into my own hands through direct regulatory intervention. The broken system that allows debt XXXX and credit bureaus to operate with impunity ends here. 

CHRONOLOGICAL TIMELINE OF VIOLATIONS XX/XX/year> : XXXX XXXX XXXX  opened a collection account for an alleged XXXX  debt of {$560.00} WITHOUT ever providing the required initial written notice under FDCPA XXXX ( a ) ( XXXX XXXX XXXX XXXX a ) ). I was never contacted by mail or any other means regarding this alleged debt. 
XX/XX/year> : I discovered this collection account on my credit report with no prior knowledge or notification. Immediately upon discovery, I sent a comprehensive debt validation request to XXXX  XXXX  XXXX  demanding full validation documentation as required under FDCPA XXXX ( b ). 
XX/XX/year> - XX/XX/year> : XXXX XXXX XXXX  failed to respond to my validation request, violating FDCPA XXXX ( b ) which requires cessation of collection activities until proper validation is provided. 

XX/XX/year> : I sent a second debt validation request to XXXX  XXXX  XXXX, again demanding complete validation documentation. 
XX/XX/year> : XXXX XXXX XXXX  continues to ignore both validation requests while maintaining the unverified account on my credit reports, constituting ongoing daily violations accumulating substantial statutory damages. 

SPECIFIC LEGAL VIOLATIONS Fair Debt Collection Practices Act Violations : FDCPA XXXX ( a ) Violation ( XXXX XXXX XXXX ( a ) ) : Failure to provide required initial written notice within XXXX days of first communication. Statutory damages up to {$1000.00} per violation. 
FDCPA XXXX ( b ) Violation ( XXXX XXXX XXXX ( b ) ) : Complete disregard for debt validation requests sent on XX/XX/year> and XX/XX/year>. Continued collection activities without providing required validation documentation. 
FDCPA XXXX Violation ( XXXX XXXX XXXX ) : False, deceptive, and misleading representation of debt validity through continued credit reporting without verification. 
FDCPA XXXX Violation ( XXXX XXXX XXXX ) : Unfair practice of reporting unvalidated debt to credit bureaus, causing ongoing harm to credit profile. 

Fair Credit Reporting Act Violations : FCRA XXXX ( a ) ( XXXX ) Violation ( XXXX XXXX XXXX ( a ) ( XXXX ) ) : Furnishing inaccurate information to credit reporting agencies without reasonable procedures to ensure accuracy. 
FCRA XXXX ( a ) ( XXXX ) Violation ( XXXX XXXX XXXX ( a ) ( XXXX ) ) : Continued reporting after notification of disputed information through validation requests. 

Additional Federal Law Violations : Consumer Financial Protection Act : Engaging in unfair, deceptive, and abusive practices Electronic Fund Transfer Act : Potential unauthorized collection attempts Truth in Lending Act : Failure to provide required disclosures REQUIRED DEBT VALIDATION DOCUMENTATION Proper debt validation must include : Original signed contract or agreement with XXXX XXXX XXXX XXXX showing default Chain of custody documentation proving legal assignment of debt to XXXX XXXX of exact amount owed with itemized breakdown Proof of XXXX 's XXXX authority to collect this specific debt Documentation establishing the debt 's validity and enforceability XXXX XXXX XXXX has provided NONE of this required documentation despite XXXX formal validation requests. 
ONGOING DAILY VIOLATIONS AND ACCUMULATING DAMAGES Since XX/XX/year>, XXXX XXXX XXXX has been reporting unvalidated debt information to credit bureaus, constituting ongoing daily violations under both XXXX and FCRA. Each day this unverified account remains on my credit reports represents additional statutory violations with damages of : FDCPA : Up to {$1000.00} per violation FCRA : Actual damages plus potential punitive damages up to {$1000.00} per violation SYSTEMATIC PATTERN REQUIRING BROADER INVESTIGATION I demand the CFPB investigate whether XXXX XXXX XXXX  engages in systematic violations affecting other consumers. Their complete disregard for federal law suggests a pattern of non-compliance that warrants : Comprehensive audit of business practices Investigation into similar violations against other consumers Class action remedies for affected consumers Substantial regulatory sanctions and enforcement actions CREDIT BUREAU SYSTEM FAILURE I have not disputed this account directly with credit bureaus because they systematically verify collection accounts as accurate without conducting thorough investigations. Years of experience have proven that credit bureaus rubber-stamp debt collector claims, making direct regulatory intervention the only effective recourse for consumers facing institutional negligence.

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