Consumer complaint received 2023-04-21
Company: Source Receivables Management LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
THE REPORTING OF ACCOUNT # XXXX IS INACCURATELY REPORTING ON MY CREDIT PROFILE FOR SEVERAL REASONS. 

1. ) THE ORIGINAL DEBTOR ( XXXX ) MADE AN ERROR IN REPORTING AN AMOUNT OWED OF {$370.00} FROM A PHONE THAT WAS RETURNED IN XXXX. 
IN XXXX I HAVE MADE SEVERAL DISPUTES WITH ALL THREE CREDIT BUREAUS AFTER BEING NOTIFIED OF THIS DEBT FROM THE INITIAL DEBT COLLECTION AGENCY BY THE NAME OF XXXX XXXX REFERENCE # XXXX I'VE ALSO DISPUTED THE VALIDITY OF THIS DEBT COLLECTION BY SENDING AN EMAIL AND CERTIFIED LETTER TO THE INITIAL COLLECTION AGENCY IN XX/XX/XXXX AND XX/XX/XXXX, XX/XX/XXXX WITH AN EMAILED CORRESPONDENCE FROM XXXX CUSTOMER SERVICE CONFIRMING A CREDIT RECEIPT WAS MADE ON MY ACCOUNT FOR {$370.00} RESPECTIVELY.. 

IN XX/XX/XXXX IVE AGAIN REPORTED THE INACCURACIES OF THE DEBT TO ALL THREE CREDIT BUREAS, ONLY TO NOTICE AN UPDATE THAT THERE WAS A CHANGE IN THE REPORTING ( COMPANY NAME TYPE- CHANGE, NEW DEBT COLLECTION AGENCY ) BY THE NAME OF SOURCE MANAGEMENT NOW REPORTING ON MY CREDIT REPORT, WHICH IS NOT ONLY INACCURATE ONCE AGAIN AS THE PHONE WAS RETURNED AND A CREDIT WAS MADE BY XXXX, BUT WEIRD BECAUSE THIS COMPANY ( NEVER ) SENT ME A WRITTEN NOTICE IN XX/XX/XXXX AS INITIALLY SHOWING AND APPEARING IN THE REPORT PROFILE AS OF XX/XX/XXXX AS SUCH THE FIRST TIME APPREARING ON THE CREDIT PROFILE UNDER SUCH NAME. 

1006.6 VIOLATION IVE DISPUTED THE VALIDITY OF DEBT AND REQUESTED ( PROOF ) VERIFYING THE DEBT IE ANY SUPPORTING DOCUMENTATION THAT SUBSTANTIATES THE FACTS AFTER APPEARING ON MY CREDIT PROFILES FROM THE INTIAL COLLECTION AGENCY THAT REPORTED THE DEBT ( XXXX XXXX ) AND HAVE BEEN INFORMED BY ALL THREE CREDIT BUREAUS THAT THE INVESTIGATIONS CAME BACK AS ACCURATE.. STILL NO VERIFIABLE INFORMATION THAT SUPPORTS " SUCH ACCURACIES. 

IVE CONTACTED THE " MOST RECENT '' NEW COMPANY TODAY ( SOURCE MANAGEMENT ) FRIDAY XX/XX/XXXX AFTER RECEIVING THE LATEST UPDATE FROM MY DISPUTE STATUS FROM THE XXXX, XXXX AND XXXX TO GATHER MORE INFORMATION ABOUT THIS COMPANY AND TO INVESTIGATE WHY THEY ARE REPORTING AS A NEW COMPANY ON MY PROFILE. I ASKED THEM ( SOURCE MANAGEMENT ) ON A " RECORDED LINE '' IF XXXX XXXX SOLD THIS DEBT TO THEM, SEVERAL AGENTS INFORMED ME THEY DONT " BUY " DEBT AND THAT THEY SUPPOSEDLY SENT ME A LETTER ON XX/XX/XXXX INFORMING ME OF SUCH DEBT, ( VIOLATION OF TIMELINE TO GIVE NOTICE ) OF NEW COLLECTION VIOLATION 1006.34 SOURCE MANAGEMENT FAILED TO SEND THE NOTICE OF THE DEBT PRIOR TO REPORTING TO THE CREDIT BUREAUS ON XX/XX/XXXX TO PROVIDE ME TIME TO DISPUTE OR VALIDATE THE DEBT. THIS AGENCY ( SOURCE MANAGEMENT ) SIMPLY REPORTED ILLEGALLY WITHOUT GIVING PROPER NOTICE. THAT IS A VIOLATION!! 

2 ) THE ORIGINAL DEBT FROM XXXX XXXX  WAS REPORTING FOR {$370.00} XXXX DISPUTE # XXXX XXXX XXXX, XX/XX/XXXX XXXX REPORT # XXXX. WHEN I DISPUTED THESE CLAIMS WITH BOTH THE AFOREMENTIONED COLLECTION AS WELL AS THE CREDIT BUREAUS IN CONSIDERATION TO THE EXACT " ACCURATE ' AMOUNT OF THE DEBT IN QUESTION FOR {$370.00}, ALL OF A SUDDEN A NEW COLLECTION AGENCY APPEARS ON MY REPORT ( SOURCE MANAGEMENT ) COLLECTING FOR XXXX WHICH IS THE ACCURATE AMOUNT BUT ISNT VALID NONETHELESS... IT DOESNT MATTER IF THE BALANCE WAS OFF BY A FEW CENTS!! THE BOTTOM LINE IS SOURCE MANAGEMENT IS IN VIOLATION OF THE LAWS BY REPORTING TO THE CREDIT BUREAS WITHOUT INFORMING ME WHO THEY WERE, WHY THEY ARE COLLECTING AND GIVING ME AMBLE TIME ( 30 DAYS ) TO RESPOND AND PLEAD MY CASE.. THEY WAITED UNTIL PROMPTED TO DO SO ( AFTER ) RECEIVING NOTIFICATION FROM THE CREDIT BUREAUS TO SEND ME CORRESPODENCE, WHICH I CANT VERIFY RECEIPT FOR EITHER WAY. I EVEN ASKED THEM TO SEND POSTAGE MARKED DATE RECEIPT INFORMATION PRIOR TO REPORTING XX/XX/XXXX " LETTER " AND THEY WERE RUDE AND DIVERTING THE QUESTION. AND IF THEY DID SENT THE CORRESPONDING LETTER ( PROMPTED BY MY DISPUTES FROM PRIOR COLLECTION AGENCY ) IT WAS STILL ( AFTER ) IT APPEARED ON MY CREDIT PROFILE DATED ( XX/XX/XXXX ). THE SUPPOSED LETTER ( XX/XX/XXXX ) AGAIN WHICH DEMONSTRATES A TRIGGER RESPONDS FROM MY DISPUTE!!! 

VIOLATION 1006.38, 1006.42 .WITH REFERENCE TO SECTION 609 OF THE FCRD ACT, I HAVE REQUESTED FURTHER INFORMATION ON THAT COLLECTION OF {$370.00} INCLUDING ANY ORIGINAL DOCUMENTS CONTAINING MY APPENDED SIGNATURE AND ANY OTHER RELATED INFORMATION THAT SUPPORTS THE VALIDITY OF THIS DEBT TO THE CREDIT BUREAUS SEVERAL TIMES!!! WITH THE ONLY RESPONDS BEING " THE INVESTIGATION IS COMPLETE AND REPORTING ACCURATE ''. LOL... WHICH APPEARS TO BE AN AUTO COMPUTED AI GENERATED TEMPLATED GENERIC RESPONDS SMH!!!

VIOLATION 1006.18 PLEASE REMOVE THESE INACCURIES FROM MY CREDIT PROFILES, XXXX, XXXX AND XXXX OR I WILL BE EXTENDING MY LEGAL RIGHTS TO THE FULLEST EXTENT OF THE LAWS AVAILABLE TO ME.

Company response to consumer: Closed with explanation