Consumer complaint received 2023-03-13
Company: Source Receivables Management LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Source Receivable Management claim I owe an alleged debt to XXXX account # XXXX in the amount of XXXX reference # XXXX I am responding to your response that you made on XXXX to my statement that I wrote to you on XXXX I notice you keep referring back to XXXX  Terms and Conditions XXXX no longer has anything to do with this account as they express this to me over the phone. XXXX express to me they sold the account to Source Receivable Mangement but in your response on XXXX to my complaint against you on the CFPB portal on XXXX you said XXXX hired you and Source Receivable Mangement does not purchase or own any debt. You perjured yourself with a false statement on an alleged debt that you have know first had knowledge of only hearsay. You sent me a stack of unauthenticated bill statements that is not sufficient evidence of me owing this alleged debt, you said you couldn't provide me with a contract from XXXX , I wasn't asking for a contract from XXXX I was asking for a contract between XXXX XXXX Authorize Agent and Source Receivable Management or original agreement between you and XXXX with all the terms and conditions since you're the one furnishing this alleged debt to the credit reporting agencies trying to force payment. Which a contract is a covenant or agreement between two or more parties with lawful consideration, what consideration did you give me, what loss did you take. I also asked for the account ledger, a certified copy of your license including a license required to practice debt collection in the State of New Jersey, proof that the alleged debt has not already been satisfied by any means available including but not limited to, tax write-off, an insurance claim, or selling the purported debt to a third-party collector. Source Receivable Mangement created an account on behalf of me without my consent, yes you do need my consent pursuant to 15 USC 1692b which says without the prior consent of the consumer given directly or indirectly to the debt collector or the express permission of a count of competent jurisdiction, meaning you have to have my consent to furnish my information without my consent it is a violation. You are in violation of 18 USC 1028a Aggravated Identity Theft, I don't know you I have never done business with you for you to have my information. You are in violation of XXXX XXXX XXXX ( a ) Furnishing certain deceptive forms under the false belief that you were collecting this alleged debt on behalf of XXXX as if they were participating in the collection of or in an attempt to collect on this alleged debt, you furnished this information to the credit reporting agencies under the false belief XXXX were trying to collect on this alleged debt when they were not so participant. You are in violation of 15 USC 1692d Harassment or Abuse : you furnished negative information about me with the credit reporting agencies that is harm to my reputation and defamation of character, that is also advertisement for sale to coerce payment on this alleged debt. You have not supplied me with the documents I asked you for. Therefore, this is a formal notice to cease any further communications regarding this account immediately this includes but not limited to telephone calls, emails, social media, or any credit reporting agencies. Any further contact by your company except a communication confirming your acknowledgment of this notice is a violation of the FDCPA. If you do not remove this information from the credit reporting agencies, I will bring civil liability against you pursuant to 15 USC 1692k for violation of my consumer rights and defamation of character each violation is a XXXX.

Company response to consumer: Closed with explanation