Debt collection -- Attempts to collect debt not owed -- Complaint #14137941
Complaint Overview
Complaint ID: 14137941
Company: Amsher Collection Services, INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: California
ZIP Code: 92626
Date Received: 2025-06-17T12:00:00-05:00
Date Sent to Company: 2025-06-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, ZIP XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : IMMEDIATE DEMAND FOR PERMANENT DELETION AND FULL DEBT VALIDATION Account No. XXXX ( Original Creditor : XXXXXXXX ) To Whom It XXXX Concern, I am putting you on formal notice that the above-referenced account you are furnishing to the credit reporting agencies is fraudulent and does not belong to me. I have no contractual obligation to XXXXXXXX for this account, and you have no legal basis to attempt collection or to report this account under my consumer credit file. Your actions constitute willful violations of multiple federal laws, including but not limited to : The Fair Credit Reporting Act ( XXXX XXXX. XXXX et seq. ), The Fair Debt Collection Practices Act ( XXXX XXXX. XXXX et seq. ), and The XXXX XXXX XXXX XXXX XXXX XXXX, which you are required to follow as a data furnisher to ensure maximum possible accuracy and integrity of consumer information. Reporting an account that is not mine and failing to obtain and verify proper documentation prior to furnishing such information is XXXX and unlawful. Additionally, continuing to report this invalid debt after receiving this dispute will be considered willful non-compliance, subjecting you to civil liability for actual XXXX, statutory XXXX, punitive XXXX, attorney fees, and costs under XXXX XXXX. XXXX, XXXX, and XXXX. You are hereby demanded to immediately : Permanently DELETE this account from all credit reporting agencies to which you have furnished it without delay. Cease and desist all collection activities and communications regarding this alleged debt until you provide full and complete validation, as required by XXXX XXXX. XXXX. Provide written proof of the original signed contract substantiating this alleged debt if you are unable to produce these documents within XXXX days, you must permanently remove all references to this account from my credit file and cease all collection efforts. Provide written confirmation within XXXX days from the date of this letter that you have complied with the above demands. Be advised : if you fail to fully comply, I will immediately file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I will also pursue all legal remedies available to me for your willful non-compliance and unlawful reporting. This is your final notice to comply with all applicable state and federal laws governing the accuracy and legality of debt collection and credit reporting practices. GOVERN YOURSELF ACCORDINGLY. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #14137941 about?
Complaint #14137941 was filed against Amsher Collection Services, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-06-17T12:00:00-05:00.
How did Amsher Collection Services, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Amsher Collection Services, INC.?
Yes, visit the Amsher Collection Services, INC. company profile at readthecomplaint.com/company/amsher-collection-services-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.