Consumer complaint received 2025-06-15 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: NC

Complaint narrative:
To : Amsher Collection Services XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Phone : ( XXXX ) XXXX Subject : Formal Dispute and Cease Reporting Demand Account Ending in XXXX To Whom It May Concern, I am writing to formally dispute the account reported by Amsher Collection Services , originally from Charter Communications LLC , in the amount of {$150.00} and reported on XX/XX/XXXX, as shown on my XXXX  credit report. 

This account is causing significant and unjust harm to my credit profile, making it difficult for me to obtain credit and preventing my family from securing stable housing. This reporting is not only inaccurate but was also initiated without my knowledge, consent, or legal validation, in direct violation of federal consumer protection laws. 



VIOLATIONS : 1. Failure to Notify or Validate the Debt ( FDCPA 15 U.S.C. 1692g ) : I was never notified of this debt in writing within five days of your first communication with me, as required by law. I did not receive a notice of my right to dispute the debt or request validation.

2. Lack of Proper Verification ( FCRA 15 U.S.C. 1681s-2 ) : The Fair Credit Reporting Act mandates that debt collectors must ensure the accuracy of information before furnishing it to a credit reporting agency. You failed to verify the legitimacy of this debt before reporting, and no evidence has been presented that proves I owe this balance.

3. Harmful and Unconsented Reporting : You reported this alleged debt without verifying its accuracy or establishing communication with me. This was done without my permission and is causing damage to my ability to provide for my family. Under 15 U.S.C. 1692e, it is unlawful to make false or misleading representations about a debt. 



LEGAL PRECEDENTS : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) : Reporting a debt without validation is a violation of the consumers rights under the FDCPA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Reinforced that strict compliance with debt collection statutes is required.

15 U.S.C. 1692e ( 8 ) : Prohibits the communication of credit information known or that should be known to be false, including failing to disclose that a debt is disputed. 



FORMAL REQUEST : I hereby request that you : XXXX. Immediately cease reporting this debt to all consumer credit reporting agencies. 
XXXX. Provide full documentation proving this debt, including a signed contract and a full payment history from the original creditor. 
XXXX. Remove this account from all consumer credit reports ( XXXX XXXX XXXX XXXX XXXX XXXXou are unable to provide valid proof within 15 days. 

Failure to comply will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential civil legal action for violations of the FDCPA and FCRA. 

I expect a written response within XXXX business days. 

Sincerely, XXXX XXXX

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