Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX Re : Dispute of Inaccurate Information on Credit Report Account Number : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX Furnisher : XXXX XXXX XXXX XXXX : [ Your SSN ] Date of Birth : [ XXXX ] Subject : Formal Dispute Under FCRA, FDCPA, and XXXX XXXX XXXX Demand for Permanent Deletion and Compensation Dear TransUnion XXXX Experian, and Equifax, XXXX am writing to formally dispute the inaccurate and unverifiable information reported by XXXX XXXX XXXX ( Original Creditor : XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX ) on my credit reports, as required under 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1681s-2 ( b ). The reported data violates the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), XXXXXXXX XXXX  guidelines, and the Office of the Comptroller of the Currency ( OCC ) regulations. I demand the immediate investigation, correction, and permanent deletion of this account from all credit files, along with compensation for damages caused by the inaccurate reporting, pursuant to 15 U.S.C. 1681n and 1681o. 
Identified Inaccuracies and Violations XXXX. Inaccurate Date of First Delinquency ( DOFD ) : Issue : The Date of First Delinquency ( DOFD ) is not consistently or accurately reported across the three bureaus. XXXX  reports no DOFD, while XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, which is inconsistent with the account status and payment history. 
Violation : This violates 15 U.S.C. 1681c, which mandates accurate reporting of delinquency dates to ensure proper obsolescence periods. XXXX XXXX guidelines ( XXXX XXXX Date of First Delinquency ) require furnishers to report a valid DOFD when an account is placed for collection or charged off. Failure to report or reporting an inaccurate XXXX misleads consumers and creditors. 
Case Law : In XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court held that inaccurate reporting of delinquency dates violates FCRAs requirement for reasonable procedures to ensure accuracy under 15 U.S.C. 1681e ( b ).

2. Inconsistent Account Status and Reporting Dates : Issue : XXXX  reports a Last Reported date of XX/XX/XXXX, while XXXX  and XXXX report XX/XX/XXXX. Additionally, the Date Last Active and Date of Last Payment are either missing or inconsistent, with XXXX  reporting XX/XX/XXXX, for Date Last Active and no payment date, while XXXX XXXX XXXX report XX/XX/XXXX, and XX/XX/XXXX, respectively. 
Violation : XXXX XXXX standards ( XXXX XXXX Account XXXX ) require accurate and consistent status codes ( e.g., XXXX for charged-off accounts or XXXX for collection accounts ). Inconsistent or missing dates violate 15 U.S.C. 1681e ( b ), which mandates reasonable procedures to ensure maximum possible accuracy. Missing or inaccurate Date of Last Payment ( XXXX XXXX Field XXXX ) and Date Last Active ( Field XXXX ) further violate FCRAs accuracy requirements. 
Case Law : In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court emphasized that furnishers must maintain accurate records to comply with FCRA. 
XXXX. Failure to Verify Debt or Conduct Reasonable Investigation : Issue : XXXX has not provided verifiable documentation to substantiate the debt, such as a signed contract, payment history, or proof of assignment from T-Mobile. The account lacks a complete two-year payment history, with missing or blank entries for multiple months across all bureaus.

Violation : Under 15 U.S.C. 1681s-2 ( b ), furnishers are required to conduct a reasonable investigation, review all dispute-related information, and delete unverifiable information. Failure to provide a complete payment history violates XXXX XXXX guidelines ( XXXX XXXX XXXX XXXX XXXX ). Additionally, under 15 U.S.C. 1692g of the FDCPA, debt collectors must validate debts upon consumer request. 
XXXX XXXX : In XXXX v. XXXX XXXX. Bank, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court ruled that furnishers must conduct meaningful investigations, not merely rely on internal records. 
XXXX. Misleading Comments and Derogatory Reporting : Issue : XXXX comment, Subject has not satisfied debt, is misleading and lacks substantiation, as no payment history or documentation supports this claim. The derogatory status Collection/Chargeoff is inconsistently reported across bureaus, with no clear evidence of charge-off or collection activity. 
Violation : This violates 15 U.S.C. 1681e ( b ) and XXXX XXXX guidelines ( XXXX XXXX Special Comment ), which require accurate and non-misleading comments. Misleading statements also violate 15 U.S.C. 1692e of the FDCPA, prohibiting false or deceptive representations in debt collection. 
XXXX XXXX : In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), the court held that misleading reporting of account status constitutes an FCRA violation. 
XXXX. Potential Wire Fraud via XXXX XXXX : Issue : AMSHERs transmission of inaccurate or unverifiable data through the e-OSCAR system to credit bureaus constitutes the electronic communication of false information for financial gain.

Violation : This may violate 18 U.S.C. 1343 ( Wire Fraud ), which prohibits transmitting false or fraudulent information by wire for the purpose of executing a scheme to defraud. The e-OSCAR system, as an electronic platform, falls under this statute when used to perpetuate inaccurate credit reporting. 
Case Law : In United States v. XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court upheld wire fraud convictions for electronic transmission of false financial data. 
XXXX. Non-Compliance with XXXX XXXX Role Reporting : Issue : The account does not accurately reflect AMSHERs role as a debt collector or T-Mobiles role as the original creditor in compliance with XXXX XXXX XXXX ( Field XXXX Creditor Classification ). 
Violation : Under 15 U.S.C. 1681e ( b ), furnishers must accurately report their role to avoid consumer confusion. XXXX XXXX requires clear identification of the furnishers role ( e.g., C for collection agency ).

Requested Actions Pursuant to 15 U.S.C. 1681i ( a ), I demand the following : 1. Immediate Investigation : Conduct a thorough investigation of the AMSHER Collection account ( Account # XXXX XXXX XXXX XXXX XXXX XXXX, including a review of all documentation provided by AMSHER and XXXX. 
XXXX. Permanent Deletion : Delete the account from my credit files across all three bureaus due to unverifiable and inaccurate information, as required under 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( E ). 
XXXX. Correct XXXX XXXX Compliance : Ensure all fields ( XXXX, Account Status, Payment History, etc. ) comply with XXXX XXXX guidelines. 
XXXX. Cease Reporting : Instruct AMSHER to cease reporting this account until all inaccuracies are corrected, per 15 U.S.C. 1681s-2 ( b ). 
XXXX. Compensation for Damages : Provide compensation for statutory and actual damages under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ), including emotional distress, financial harm, and costs incurred due to inaccurate reporting.

6. Written Response : Provide a detailed written response within 30 days, as required by 15 U.S.C. 1681i ( a ) ( 6 ), including the results of the investigation and any corrective actions taken.

Reservation of Rights I reserve all rights under UCC 1-308, without prejudice, and do not waive any protections under federal or state law. Failure to comply with this dispute within the statutory timeframe will result in further legal action, including but not limited to complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potential litigation for FCRA and FDCPA violations. XX/XX/XXXX Subject : Cease and Desist All Communication Account # [ Account Number, if known ] Dear [ Creditor/Debt Collector Name ], Under the authority of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ), I demand that you immediately cease all communication with me, including but not limited to phone calls, emails, text messages, letters, and credit reporting activities, regarding the alleged account referenced above. 
Your failure to properly verify the alleged debt, as required by FCRA 1681i and FDCPA 1692g, constitutes harassment and non-compliance with federal law. Pursuant to FDCPA 1692c ( c ), I hereby revoke any prior consent for communication. Any further contact or reporting of unverified information to credit reporting agencies violates FCRA 1681s-2 ( b ) and will be considered willful non-compliance, subjecting you to liability under FCRA 1681n and FDCPA 1692k.

This letter serves as a formal dispute under the FCRA and an Automated Credit Dispute Verification ( ACDV ) request. You are required to : Cease all communication with me in any form.

Remove any unverified or inaccurate information from my credit reports with all credit reporting agencies XXXX XXXX XXXX XXXX ).

Provide proof of verification compliant with FCRA 1681i ( a ) ( 2 ) if you claim the debt is valid.

Failure to comply within 30 days will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as potential legal action for statutory damages. 
This notice is sent in good faith and is OCRA-compliant ( Online Credit Repair Act principles ) to ensure fair and lawful treatment. Govern yourself accordingly. 
Sincerely,

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