Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
To Whom It May Concern, This letter serves as my formal dispute and demand for validation of the above-referenced account pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.

I am disputing this alleged debt in its entirety. 

Although your company responded to a complaint submitted through the Consumer Financial Protection Bureau ( CFPB ), no proper validation of this alleged debt has ever been provided to me as required by federal law. A CFPB response does not substitute for lawful debt validation.

FORMAL DEMAND FOR VALIDATION Pursuant to 15 U.S.C. 1692g ( a ) ( b ), you are required to provide competent evidence that : 1. I am the party legally obligated to pay the alleged debt 2. The original cre
ditors name and address 3. The full account history, including : Date of account opening Date of default Date the debt was charged off Complete itemization of the balance 4. A copy of the original signed contract or agreement bearing my signature 5. Proof of your legal authority to collect, including : Assignment, purchase agreement, or chain of title 6. Proof of compliance with state licensing requirements, if applicable 7. Proof the debt is within the statute of limitations Until these items are provided, the debt remains disputed and all collection activity must cease.

NOTICE OF CREDIT REPORTING DISPUTE If your company has furnished, is furnishing, or intends to furnish information regarding this account to Experian, Equifax, or TransUnion, you are hereby notified that : This account is formally disputed Any continued reporting without full investigation and verification violates : FCRA 623 ( a ) ( 1 ) ( A ) reporting inaccurate information FCRA 623 ( a ) ( 3 ) failure to mark the account as disputed FCRA 623 ( b ) failure to conduct a reasonable investigation Verified as accurate without documentary proof does not meet the FCRAs standard for a reasonable investigation ( see Johnson v. MBNA, Cushman v. Trans Union ).

DEMAND FOR ACTION Accordingly, you must do one of the following within 30 days of receipt of this letter : 1. Provide full and complete validation as outlined above ; OR 2. Cease collection efforts and delete any credit reporting related to this account.

Failure to comply will be documented as willful non-compliance, subjecting your company to liability under : FDCPA 813 statutory damages, actual damages, and attorneys fees FCRA 616 & 617 civil liability for willful or negligent non-compliance PRESERVATION OF RIGHTS Nothing in this letter shall be construed as an acknowledgment of liability or responsibility for this alleged debt. I reserve all rights, including the right to pursue private civil action and further regulatory complaints. 

This communication is made in good faith to resolve this matter lawfully.

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