Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Managers, Inc.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX collections Unverified reports The statements made by XXXX to the XXXX had no validity behind it and are simply considering unverified and a further dispute is needed! XXXX Claim of Valid reporting. XXXX is still reporting an active balance of {$19000.00} to XXXX, which contradicts their statement to the XXXX and violates the FCRA upon explicitly stating the account was " placed with a third-party collection agency '' ( XXXX ). Failure to Validate : The third party ( XXXX XXXX ) was served a validation request RCW 19.16.250 and was signed for on XX/XX/2026 via Certified Mail and has failed to provide any proof of the debt or the insurance premiums totaling {$27000.00} Demand for Correction : Request that the XXXX compel XXXX to report a {$0.00} balance and that XXXXXXXX XXXX unverified entry be removed entirely for failure to validate under RCW 19.16.250 They have also reported a updated balance illegally leading to a direct violation of 15 U.S.C. 1692g Timeline Check XX/XX/XXXX : XXXX signs for the letter. XX/XX/XXXX : XXXX " updates '' the balance ( Illegal while unverified ). XX/XX/XXXX : The 30-day validation window officially expires. XX/XX/XXXX : Still no response ( Violation confirmed _______________________________________ From : XXXX XXXX XXXX XXXX XXXX Sent : Thursday, XX/XX/2026 XXXX XXXX To : XXXX <XXXX> Subject : XXXX XXXX Closure Letter to XXXX Good afternoon , XXXX XXXX XXXX XXXX XXXX has received the response from XXXX XXXX XXXX regarding the filed complaint. Please see the attached response ( s ). Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We can't give legal or financial advice and we do not endorse or recommend any person, product or institution. The information contained in this electronic message may be privileged and confidential information intended only for the use of the individuals or entity named above. If you have received this communication in error, please notify the sender immediately and delete any and all copies of the electronic message. Thank you. _______________________________________ Further actions taken. I submitted my dispute with XXXX that was initially denied due to XXXX claiming it was accurate and legal. Then XXXX failed to provide the proof needed to back it up. I then submitted the violation with the proof of receipts for the RCW 19.16.250 request via Certified Mail. They ignored this information and did not file a accurate dispute and just took XXXX word for it again. They still have not provided proof of these contradictions and have submitted confirmation to XXXX but then deliberately ignoring the RCW 19.16.250 request after signing for it on XX/XX/2026. Among this failure to abide by the fair credit laws they also are double reporting seperate debts for the same account and both are claiming accuracy. In the dfi letter they state their reports are legal and standing even though they stated in that same letter that they transferred it to XXXX XXXX while not removing the active balance that is causing a double report on my credit file further denying me of approval for any apt and leaving me homeless and in extreme hardship..

Company response to consumer: Closed with explanation