Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
Credit Reporting Agencies ( XXXX XXXX XXXX ) Violation of Fair Credit Reporting Act ( FCRA ) : I am filing a formal complaint against all three major credit reporting agencies for violating multiple provisions of the Fair Credit Reporting Act ( FCRA ), particularly : XXXX XXXX. XXXX ( a ) Failure to conduct a reasonable reinvestigation XXXX XXXX. XXXX ( a ) ( XXXX ) Failure to notify consumer of investigation results within XXXX ( XXXX ) business days XXXX XXXX. XXXX ( b ) Failure to maintain maximum possible accuracy of information I submitted written disputes regarding inaccurate and/or outdated information on my credit reports, including accounts in collection and/or charged-off status. Despite my certified mail delivery, the bureaus failed to : Notify me in writing within XXXX business days as required by XXXX ( a ) ( XXXX ) ; Provide documentation of their reinvestigation procedure or results ; Conduct a reasonable investigation under XXXX ( a ) ( XXXX ) ( A ) instead relying on automated systems such as e-OSCAR, which courts have deemed insufficient to meet the reasonable investigation standard ( XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX XXXX. 1997 ) ) ; Cease reporting unverifiable or unvalidated data within the XXXX statutory window, in violation of XXXX ( a ) ( XXXX ) ( A ). 

The reinvestigations appeared to be rubber-stamped verified without any evidence, and no documentation from the data furnishers ( such as XXXX or Amsher ) was ever presented to me. 

PART XXXX : Amsher Collection Services ( Debt Collector ) Violation of Fair Debt Collection Practices Act ( FDCPA ) : I submitted a written request for validation of debt under XXXX XXXX. XXXX ( b ) following initial communication from Amsher regarding an alleged account. Amsher failed to : Provide proper validation, including original signed agreements, full accounting, and assignment of debt ; Cease collection efforts after receiving my dispute letter ( violation of XXXX ( b ) ) ; Respond appropriately to my Cease-and-Desist request issued under XXXX ( c ) collection calls and mail continued after my certified notice ; Provide required initial disclosures as mandated under XXXX ( a ) ; Disclose proper notification of rights or arbitration clauses, nor did they provide proof of ownership of the debt ( no contract, no assignment agreement ). 

Furthermore, Amsher accessed and reported to consumer reporting agencies without permissible purpose under XXXX XXXX. XXXX, particularly after being advised I do not acknowledge the debt. 

Their actions also constituted harassment and deceptive practices under : XXXX Engaging in conduct to harass, oppress, or abuse ; XXXX Use of false, deceptive, or misleading representations regarding the nature or legal status of the debt ; XXXX Unfair and unconscionable collection means, such as failure to cease collection activity despite lacking verification. 

PART XXXX : XXXX XXXX XXXX ( Original Creditor ) Violation of Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX is reporting a charged-off account that I disputed directly. Upon my dispute under XXXX ( a ) and XXXX ( b ), XXXX failed to : Conduct a reasonable investigation ; Provide documentation or records validating the charge-off and any amounts claimed ; Update the tradeline to reflect the Account in Dispute status ( XXXX ( a ) ( XXXX ) ) ; Cease furnishing inaccurate data to XXXX despite being notified through multiple disputes via certified mail. 

XXXX is also in violation of XXXX by continuing to pull my credit after I revoked authorization and instructed them to cease such access. 

They have not provided a proper accounting, charge-off methodology, or proof of internal investigation procedures. 

They also failed to notify me of the right to arbitration or dispute escalation, which may constitute a breach of contract and failure to meet consumer notice obligations under both FCRA and potentially Regulation Z under TILA ( Truth in Lending Act ). 

Requested Relief : Immediate deletion or correction of all disputed accounts and inaccurate information reported by XXXX XXXX XXXX Amsher Collection Services, and XXXX XXXX XXXX. 

A written explanation of the procedures used by all parties to investigate my disputes. 

Monetary and statutory damages to be assessed as permitted under : XXXX U.S.C. XXXX and XXXX ( FCRA ) XXXX XXXX. XXXX ( FDCPA ) Full copies of the XXXX ( Automated Credit Dispute Verification ) forms exchanged during my disputes. 

Administrative enforcement or referral for systemic violations by Amsher and CRA automation ( XXXX ) misuse. 

Supporting Evidence ( Available Upon Request ) : Copies of all dispute letters and cease communications ( certified mail receipts attached ) Credit reports showing inaccurate or unchanged data Timeline log of all contact from Amsher and XXXX Screenshots of CFPB/FTC complaints ( if any ) already filed Closing Statement : The credit ecosystem is built upon trust and compliance. All three respondents in this complaint have failed their legal duty to act in good faith and in compliance with federal law. I respectfully request the CFPB take appropriate enforcement action and ensure I am granted the legal protections afforded to me as a consumer.

Company response to consumer: Closed with explanation