|
11489984
|
2025-01-12
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Amsher Collection Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2025-01-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-12
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
This collection agency is attempting to collect a fraudulent debt. XXXX XXXX has sold this company a fraudulent debt with no proof substantiating the debt except a bill. No signed agreement, no previous account statements, no previous payments, no nothing substantiating the debt owed. Even more egregiously, the company keeps fraudulently claiming to have verified this debt when the credit reporting agencies investigate my credit reporting disputes but neither the collection agency nor the credit reporting agencies will provide me with the methods and/or evidence relied upon in investigating my disputes and substantiating the debt.
|
| Consumer Consent Provided |
Consent provided
|
|
|
11317190
|
2024-12-29
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Amsher Collection Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
I do not know
|
| Date Received |
2024-12-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-29
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
XXXX, XXXX M SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TODAYS DATE : XX/XX/XXXX AMSHER COLLECTION SERV XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious AMSHER COLLECTION SERV XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXXXXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX M SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
11547865
|
2025-01-15
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Amsher Collection Services, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-15
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10801183
|
2024-11-14
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Amsher Collection Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Telecommunications debt
|
| Date Received |
2024-11-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-14
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11249923
|
2024-12-21
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Amsher Collection Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Telecommunications debt
|
| Date Received |
2024-12-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-21
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I never had a debt with the company they claimed. I dont recognize or authorize this collection.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10937914
|
2024-11-26
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Amsher Collection Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Other debt
|
| Date Received |
2024-11-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-26
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I live in a subdivision that requires us to use a specific internet and cable service it is not XXXX proof of service has not been received address of service has not been received. We used dis more than 7 years ago but it was on autopay and that account was closed in good standing.
|
| Consumer Consent Provided |
Consent provided
|
|
|
11450585
|
2025-01-09
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Amsher Collection Services, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-09
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX under the account name XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
|
| Consumer Consent Provided |
Consent provided
|
|
|
11486936
|
2025-01-13
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Amsher Collection Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Telecommunications debt
|
| Date Received |
2025-01-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-13
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10988013
|
2024-12-01
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Amsher Collection Services, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-01
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11310778
|
2024-12-29
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Amsher Collection Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2024-12-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-29
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11202841
|
2024-12-18
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Amsher Collection Services, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-18
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX Dear XXXX XXXX XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or purchase agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.
Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
|
| Consumer Consent Provided |
Consent provided
|
|
|
11284861
|
2024-12-27
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Amsher Collection Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Telecommunications debt
|
| Date Received |
2024-12-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-27
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
Debt collector is pusuing a debt that over XXXX years. the adress they provide is when i was in college in XXXX their unable to provide any iformation as far as my SS security number or account number. In addition, they mention the debt if from XXXX which is the telephone company ive been with for over XXXX years and still currently with XXXX. I contacted XXXX and assure that this debt is not from them which I already knew. if I HAD A BALANCE WITH XXXX I THINK THEY WOULD MENTION IT TO ME AND NOT A DEBT COLLECTOR THIS IS A SCAM. the debt collector company is XXXX XXXX XXXX FOR {$190.00} AND IT WAS OPEN XX/XX/year>XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
11192884
|
2024-12-17
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Amsher Collection Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
I do not know
|
| Date Received |
2024-12-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-17
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11256694
|
2024-12-24
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Amsher Collection Services, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-27
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11250928
|
2024-12-24
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Amsher Collection Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
I do not know
|
| Date Received |
2024-12-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-24
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11237021
|
2024-12-20
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Amsher Collection Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Telecommunications debt
|
| Date Received |
2024-12-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-20
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11230770
|
2024-12-20
|
Getting a credit card
|
Credit card
|
|
| Issue |
Getting a credit card
|
| Timely |
Yes
|
| Company |
Amsher Collection Services, Inc.
|
| Product |
Credit card
|
| Sub Issue |
Card opened without my consent or knowledge
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2024-12-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-20
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
Ive been a victim of IDENTITY THEFT, my Identity has been compromised, in the event several accounts were opened in my name ruining my credibility as a consumer and damaging my reputation.
XXXX account opened using my information with out my knowledge nor consent with company XXXX the account has been sold to collection agency by the name of AMSHER COLLECTION SERV Original creditor XXXX Date opened XX/XX/2024 Account # XXXX Balance {$2900.00} This account is in result of identity theft and I have no recollection whatsoever of this loan This account is FRAUD AND DOES NOT BELONG TO ME
|
| Consumer Consent Provided |
Consent provided
|
|
|
11224362
|
2024-12-19
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Amsher Collection Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Other debt
|
| Date Received |
2024-12-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-19
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
Please see attached cease and desist letter that was sent to AMSHER COLLECTION SERVICE on XX/XX/year> for them to cease and desist as I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and demanded that they cease all communication with me regarding this matter, except as allowed by law. I also demanded that they cease and desist any and all collection activity under the law as well. As of date, AMSHER COLLECTION SERVICE continues to report this on my credit report in violation of applicable laws.
|
| Consumer Consent Provided |
Consent provided
|
|
|
11199290
|
2024-12-18
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Amsher Collection Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
I do not know
|
| Date Received |
2024-12-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-18
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11206151
|
2024-12-18
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Amsher Collection Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
I do not know
|
| Date Received |
2024-12-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-18
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that l owed the debt. This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together.
|
| Consumer Consent Provided |
Consent provided
|
|
|
11141174
|
2024-12-13
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Amsher Collection Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Telecommunications debt
|
| Date Received |
2024-12-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-13
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10576767
|
2024-10-25
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Amsher Collection Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Telecommunications debt
|
| Date Received |
2024-10-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-25
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10558132
|
2024-10-23
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Amsher Collection Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2024-10-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-23
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10556682
|
2024-10-23
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Amsher Collection Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2024-10-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-23
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I am writing regarding the alleged debt you are attempting to collect. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( b ), I dispute the validity of this debt in its entirety and request that you provide me with full validation of the same.
Please provide the following information : 1. Proof that I am responsible for the debt : Documents demonstrating that I owe this debt.
2. Details of the debt : A detailed explanation of the amount owed, including a breakdown of all charges and payments applied.
3. Name and address of the original creditor : If this debt has been sold or transferred, I need to know the name and address of the original creditor.
4. Proof of your authority to collect this debt : Documents showing that your agency has the legal authority to collect this debt on behalf of the original creditor.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10501974
|
2024-10-18
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Amsher Collection Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Telecommunications debt
|
| Date Received |
2024-10-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-18
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I had never used XXXX XXXX before, so not sure who had applied on my name and cost me {$310.00} charges from Collection agency. My credit score was lower down by over 100 points yesterday.
Some one used my personal information and open an account on my name, this is an Identity Theft.
Kindly help me to restore my Credit score as per my original settings.
Sincerely.
|
| Consumer Consent Provided |
Consent provided
|
|
|
11036549
|
2024-12-06
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Amsher Collection Services, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-06
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7543833
|
2023-09-13
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Amsher Collection Services, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-09-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-09-13
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681 section604 a section 2 " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies do not have my consent to furnish my information and they do not have my written consent.15 USC 6802 ( b ) ( c ) I do not consent and revoke any and all verbal, non-verbal, written, implied, all assumptions to disclose nonpublic personal information to a nonaffiliated third party " 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at anytime. '' I am opting out of your reporting services.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7635286
|
2023-10-03
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Amsher Collection Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Other debt
|
| Date Received |
2023-10-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-10-03
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
|
| Consumer Consent Provided |
Consent provided
|
|
|
11154370
|
2024-12-14
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Amsher Collection Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2024-12-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-14
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
SECOND ATTEMPT, EXERCISING CONSUMER RIGHTS OF12 CFR 1006.34 - Notice for validation of debts.
To whom it may concern : I am responding to the letter you sent dated about a debt you are trying to collect. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act 15 USC 1692 ( g ). This claim is being disputed and a debt validation is requested. I also have reason to believe that you are in violation of 15 USC 1692e. False or misleading representations as defined ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section.After
the case with XXXX XXXX XXXX , the Consumer Federal Protection Bureaus ( CFPB ) took action against XXXX XXXX XXXX XXXX their illegal debt collection and credit reporting practices. XXXX XXXX XXXX attempted to collect on disputed debts using unlawful collection letters and misrepresentation. The CFPB stated that XXXX XXXX XXXX attempted to collect debt that was NOT substantiated after consumers disputed the validity of the debt conducted an investigation and found that XXXX sent collection letters to consumers who DISPUTED the validity or accuracy of their purported debts, even though XXXX had NOT obtained substantiation for the debts. As a debt collection, the CFPB states you are required to have a reasonable basis for assertion that a consumer owes the purported debt if a dispute is submitted. As a result, the CFPB required XXXX XXXX XXXX to pay redress to affected consumer and pay a {$1.00} XXXX penalty to the CFPBs victim relief fund.
The CFPB outlined a list of requests we, as consumer, can ask for when we are seeking proper validation of debt to ensure you are ethically seeking debt legally. I have requested a proper validation of debt for the past 2-3 months YET you have not provided me with the substantiated information the CFPB outlines and you continue to have this alleged account reported on my consumer report? A PROPER validation of debt address EACH item of validation that I am requesting. You can find each request listed below.
The account in question is listed below : AMSHER COLLECTION SERV - XXXX - 12 CFR 1006.34 - Notice for validation of debts. - Please remove this account. You are in direct violation of the FCRA for reporting this account on my credit profile without conduting a proper investigation. Per 15 US Code 1681n - Civil liability for willful noncompliance, as a consumer I have sustained grave damages as a result of your negligence. As a result, I have grounds to sue you for these damages up to {$1000.00}.
Please provide me with a proper validation of debt. If you can not provide me with the documentations I am request, please request to have this account permanently remove from my credit report and the debt permanently discharge.
I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. You contacted me by mail, on and identified the alleged debt as being the original creditor. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.
Complete payment history, the requirement of which has been established by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please provide verification by line item ( with explanation of each item such as when the purchase took place, how much the alleged items was, were the goods/services received, what were the goods/services received, etc. ) for the entire amount you say I owe obtained directly from the Original Creditor.
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.
The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim I owe.
Proof of photo identification ( i.e., drivers license, state identification card, or other government issued identification card ) that was presented to you at the time of incurring this alleged debt.
Letter of sale or assignment from the original creditor to your company ( Agreement with your client that grants you the authority to collect on this alleged debt. Please show me proof that this debt was actually sold to you. ) The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was.
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated.
In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
Tell me when the creditor claims this debt became due and when it became delinquent.
Identify the date of the last payment made on this account.
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt.
I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state?
If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
( Enclosed is a copy of the list of your licenses. I found this document on the XXXX database. I dont see VIRGINIAon this list. How are you legally attempting to collect this alleged debt, in a state that youre not licensed in, that you havent properly validated after numerous request- yet still reporting to the credit bureaus which further affects my credit profile and credit score? This sounds to me like Aggravated Identity Theft, per 18 US Code 1028A Aggravated Identity Theft ) If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In hindsight, your agency willing took on this debt willingly that you have not properly validated with me as a LAW ABIDING consumer. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us. If a proper validation is not provided, you can not recover this debt to try and collect from me per volenti no fit injuria.
PROVIDE ME WITH THE FOLLOWING AS WELL : 1. FULL DISCLOSURE I WAS NOT TOLD THAT YOU WERE ACTUALLY CREATING THE CREDIT WITH MY WET INK SIGNATURE 2. EQUAL CONSIDERATION THEY BROUGHT NOTHING OF VALUE TO THE TABLE AND HAS NOTHING TO LOSE 3. LAWFUL TERMS AND CONDITIONS BECAUSE YOURS WERE BASED ON FRAUD 4. THE WET INK SIGNATURES OF BOTH PARTIES I AM WRITING TO INFORM YOU THAT IM NOT IN DISPUTE WITH ANYTHING BUT I DEMAND THE FOLLOWING LISTED ABOVE BE PROVIDED IN ORDER FOR ME TO BE ABLE TO MAKE PAYMENT.
PLEASE PROVIDE ME WITH PROPER DEBT VALIDATION BASED ON MY REQUESTS IN THE COMPLAINT ABOVE. I AM ASKING FOR A WET SIGNATURE BINDING MYSELF AND YOUR BUSINESS AS WELL AS A CONTRACT THAT I SIGNED AGREEING TO ANY TERMS AND CONDITIONS YOUR COMPANY HAS SET. IF YOU CAN NOT PROVIDE THIS INFORMATION, PLEASE REMOVE THIS ACCOUNT FROM MY CONSUMER REPORT. PLEASE NOTE THAT I AM A LITIGIOUS CONSUMER AND AS A LAW ABIDING CITIZEN I WILL EXERCISE THAT RIGHT. THANK YOU FOR UNDERSTANDING.
PLEASE RESPOND BACK WITHIN 10 DAYS OF THIS CERTIFIED LETTER.
IF YOU DO NOT RESPOND I WILL CONSIDER THE DEBT TO BE FULLY DISCHARGED AND I WILL NEED IT IN WRITING SINCE YOU DID NOT RESPOND BY THE STATED ABOVE TERMS TO PROVIDE THE NECCESSARY EVIDENCE OF A LAWFUL DEBT WITHIN THE REASONABLE PERIOD OF TIME PROVIDE, I WILL CONSIDER THE DEBT IS FULLY DISCHARDED.
WITHOUT PREJUDICE XXXX UCC1-308 CC : ATTORNEY GENERAL OF THE STATE OF FLORIDA XXXX XXXX CC : ATTORNEY GENERAL OF THE STATE OF SOUTH CAROLINA XXXX XXXX CC : ATTORNEY GENERAL OF THE STATE OF NORTH CAROLINA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : CONSUMER FEDERAL PROTECTION BUREAU CC : FEDERAL TRADE COMMISSION
|
| Consumer Consent Provided |
Consent provided
|
|
|
11024288
|
2024-12-04
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Amsher Collection Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Telecommunications debt
|
| Date Received |
2024-12-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-04
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
Subject : Formal Legal Demand for Immediate Deletion of Fraudulent Account, Investigation Into AmSher Collections, and Compensation for Statutory Damages Dear CFPB, This formal complaint is submitted on behalf of my client, who has endured repeated violations of federal and state consumer protection laws by AmSher Collections, exacerbated by the CFPBs failure to enforce their rights. Despite 11 prior disputes, including Complaint ID XXXX the CFPB has failed to address clear evidence of fraud and AmShers systemic abuses.
Under 15 U.S.C. 1681n, my client is entitled to {$1000.00} in statutory damages for the CFPBs failure to properly investigate and enforce their rights. The CFPBs inaction has allowed AmSher to continue reporting false information, causing significant financial harm to my client.
Key Issues 1. False and Contradictory Claims In their response to Complaint ID XXXX, AmSher claimed : " XXXX XXXX does not need to have a contract with AmSher. She does, however, have a binding contract with XXXX XXXX, and they have assigned the account to our office for collection. '' This statement is legally incorrect. Under the FDCPA ( 15 U.S.C. 1692g ( b ) ), AmSher is required to provide proper validation of the debt upon request, including : A signed legal instrument or contract bearing my clients wet signature, as required under Florida law for a legally binding agreement.
Evidence proving that my client authorized the account.
To date, AmSher has failed to provide any such documentation. Their claim that billing statements suffice as validation is incorrect under federal law, which explicitly prohibits unverified claims from being treated as evidence.
2. Misrepresentation About Fraud Responsibility AmSher further stated : " If XXXX XXXX XXXX feels the account may have been activated fraudulently, the consumer will need to fill out the Charter ID Theft Form. '' This assertion violates consumer protection laws by unlawfully shifting the burden of proof onto my client. Under the FCRA ( 15 U.S.C. 1681i ( a ) ), it is the duty of the data furnisherin this case, AmSherto investigate disputes and validate the accuracy of the information they report. My client is under no legal obligation to contact XXXX XXXX XXXX department, especially when AmSher has failed to provide sufficient validation of the debt.
3. Fraudulent Use of My Clients Credit Report AmSher has engaged in fraudulent use of my clients credit report by reporting inaccurate and contradictory information : Creditor Name : My clients credit report lists T-Mobile as the original creditor for {$460.00}, but AmSher claims the debt is with Charter Communications for {$76.00}.
Account Status : The account is falsely reported as open on my clients credit report, despite being in collections. This misrepresentation violates the FCRA ( 15 U.S.C. 1681e ( b ) ), which mandates accurate reporting of consumer data.
Account Timeline : AmSher references billing from XXXX 2021, while my clients credit report lists the account as opened on XX/XX/XXXX, XXXXa physical impossibility.
4. False Claim Regarding the XXXX AmSher stated : " We have forwarded the last billing statements for the months of XXXX XXXX, to validate the remaining amount owed, to the XXXX site. '' This is demonstrably false. A search of the BBB database reveals no listing for XXXX Collections, nor any validation materials available. This misrepresentation further demonstrates AmShers lack of transparency and intent to mislead both my client and regulatory agencies.
Legal Violations Federal Violations FDCPA ( 15 U.S.C. 1692g ( b ) ) : Failure to provide sufficient validation of the debt upon request.
FDCPA ( 15 U.S.C. 1692e ) : False representation of the creditor, timeline, and account details.
FCRA ( 15 U.S.C. 1681e ( b ) ) : Reporting false and unverifiable information to credit bureaus.
FCRA ( 15 U.S.C. 1681i ( a ) ) : Failure to investigate disputes and validate reported information.
FCRA ( 15 U.S.C. 1681n ) : Willful misrepresentation of information on a consumer report.
Florida State Violations Identity Theft ( 817.568, Florida Statutes ) : Fraudulent use of my clients personal information constitutes a felony under Florida law.
Fraudulent Practices ( 817.03, Florida Statutes ) : Falsifying account information to collect a debt is criminal fraud.
XXXX XXXX XXXX XXXX XXXX. ) : Misleading claims and failure to validate the debt violate Floridas consumer protection laws.
Accountability of the CFPB Under 15 U.S.C. 1681n, the CFPB is liable for statutory damages of {$1000.00} due to its failure to properly investigate and enforce my clients rights. This lack of action has allowed AmSher to continue their harmful practices, causing ongoing harm to my client.
How AmShers Practices Have Harmed My Client Denial of Credit : My client has been repeatedly denied credit, including the inability to secure a mortgage, due solely to this fraudulent account.
Emotional Distress : The ongoing stress and frustration caused by disputing this matter for over a year have significantly impacted my clients well-being.
Damage to Creditworthiness : The continued prese
nce of this fraudulent account negatively impacts my clients credit score and financial reputation.
Demands for Immediate Action My client demands the following actions, to be completed within XXXX hours : Permanent Deletion of the Fraudulent Account AmSher must immediately delete this account from all three credit reporting agencies ( XXXX, XXXX, and XXXX ).
Cessation of All Collection Activities AmSher must cease all collection efforts tied to this account.
Compensation for Damages My client is entitled to {$1000.00} in statutory damages under 15 U.S.C. 1681n, due to both AmShers violations and the CFPBs failure to act effectively on prior complaints.
Formal Investigation of AmSher The CFPB must investigate AmShers systemic violations, including their failure to provide validation, false reporting, and fraudulent claims regarding the BBB and contract validation.
Final Warning Before Filing With The Courts If these demands are not met within 72 hours, my client will : Pursue legal action under FDCPA, FCRA, and Florida state law.
Seek daily damages for every day this fraudulent account remains on their report.
Escalate this case to federal oversight agencies to ensure accountability for systemic violations.
Conclusion The CFPBs inaction, coupled with AmShers continued violations, constitutes a severe breach of my clients consumer rights. Immediate intervention is required to resolve this matter and prevent further harm.
My client expects full compliance within the stated timeframe.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6757678
|
2023-03-27
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Amsher Collection Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Other debt
|
| Date Received |
2023-03-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-27
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
