Consumer complaint received 2025-07-11 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: UT

Complaint narrative:
Acct # XXXX Agency number XXXX, on XX/XX/XXXX I received a collection on my Credit report from XXXX XXXX stating I'm in collection from AMSHER Collection Services , Inc. whom I don't owe any money too nor signed a contract with either parties, I am disputing the alleged debt referenced above and demanding validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and notice of multiple violations of federal consumer protection laws. They placed this on my credit report without a proper investigation into this matter nor gave me 30 days to respond for this business to do a proper investigation to prove I'm the owner of this debt, I will be filing my complaint with the FTC as well. I request for a DEBT VALIDATION DEMAND I hereby demand that you provide complete validation of this alleged debt, including but not limited to : Proof that I owe this debt to you or the original creditor. The original signed contract or agreement creating this alleged debt. Proof of your authority to collect this debt. Documentation showing the chain of title if this debt was purchased or assigned. Verification that the amount claimed is accurate and within the statute of limitations. Don't send me a itemized bill I request proof of the contract with my signature. VIOLATIONS OF FEDERAL AND STATE LAW Utah State Law Violations : Unlicensed Debt Collection Activity You are attempting to collect debts in the State of Utah without proper licensing or authorization. While Utah repealed its Collection Agency Act in XX/XX/XXXX, if this debt was initially placed on credit reports or collection activity began prior to XX/XX/XXXX, you were required to be licensed under Utah Code 12-1-1 et seq. Operating without required state licensing constitutes unlawful debt collection activity and undermines your legal authority to collect this alleged debt.

Fair Debt Collection Practices Act ( FDCPA ) Violations : 1. Section 1692g ( a ) - Failure to Provide Validation Notice You have placed this alleged debt on my credit report without first providing the required written validation notice within five ( 5 ) days of your initial communication. This is a direct violation of 15 U.S.C. 1692g ( a ).

2. Section 1692e - False, Deceptive, or Misleading Representations You are attempting to collect a debt that I do not owe, which constitutes false and misleading representations under 15 U.S.C. 1692e.

3. Section 1692f - Unfair Practices Reporting an unvalidated debt to credit bureaus without proper notice constitutes unfair debt collection practices under 15 U.S.C. 1692f. Additionally, operating without proper state licensing ( if applicable to the timeframe of your collection activity ) further violates this section.

Fair Credit Reporting Act ( FCRA ) Violations : 1. Section 1681s-2 ( a ) ( 1 ) ( A ) - Furnishing Inaccurate Information You have furnished inaccurate information to credit reporting agencies without reasonable procedures to ensure accuracy, in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). 
CEASE AND DESIST CREDIT REPORTING Until you provide complete validation of this alleged debt, you must immediately : CEASE all credit reporting activities related to this account REMOVE all negative information related to this account from my credit reports PROVIDE written confirmation of removal to all credit reporting agencies, FAILURE TO VALIDATE THIS DEBT WITHIN 30 DAYS WILL CONSTITUTE ADMISSION THAT THIS DEBT IS INVALID AND MUST BE PERMANENTLY REMOVED FROM ALL CREDIT REPORTS. 
NOTICE OF INTENT TO PURSUE LEGAL REMEDIES Be advised that your violations of the FDCPA and FCRA may subject you to : Statutory damages up to {$1000.00} per violation under the FDCPA Actual damages for harm to my credit rating Attorney 's fees and costs Punitive damages where applicable I am maintaining detailed records of all violations and am prepared to pursue all available legal remedies if you fail to comply with federal law. 
COMMUNICATION RESTRICTIONS All future communications regarding this matter must be in writing and sent to the address listed above. Do not contact me by telephone, at my place of employment, or through any third parties. AMSHER has likely violated multiple FCRA laws : 1681s-2 ( a ) ( 1 ) ( A ) - Furnishing Inaccurate Information They reported a debt you don't owe without reasonable procedures to ensure accuracy This is the primary FCRA violation in your case 1681s-2 ( a ) ( 2 ) - Ongoing Accuracy Duties Failed to maintain reasonable procedures for accurate reporting This creates additional violations : FDCPA 1692f - Unlicensed collection is an unfair practice FDCPA 1692e - False representations about legal authority State consumer protection laws- Operating without required licenses Potential damages for these violations include up to {$1000.00} per FDCPA violation plus actual damages and attorney fees. I don't owe this debt and it's not mine nor do they have proof of this and I never had a phone with XXXX

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