Consumer complaint received 2024-08-18
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC (PA)

SOURCE RECEIVABLES M XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Re : Dispute of Debt Dear SOURCE RECEIVABLES M, I am writing to formally dispute all debts that you allege. Under the Fair Debt Collection Practices Act ( FDCPA ) and relevant regulations, you are required to validate the debt and provide specific information to support your claims. To date, I have not received proper notice or any evidence that would substantiate the debt in question. 
Please be advised that I am revoking all rights to communicate with me via email, text messages, or phone calls. From this point forward, all correspondence must be conducted through written letters. Any further attempts to contact me via other means will be considered a violation of my rights under the FDCPA. 
To resolve this matter, I request the following : Assignment of Debt : Provide documentation proving the assignment of this debt to your agency. If you can not provide this, you have no legal right to pursue this debt.

Proof of Notification : Debt collectors are required to provide written notice of a debt within five days of obtaining the account. I did not receive any such notice, and therefore, you had no legal right to report this debt to any consumer reporting agency. Please furnish a certified receipt with my signature as proof that you provided proper notification.

Method of Validation : Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), you are required to disclose the method used to validate this debt. Please provide the steps and processes used, including all correspondence, communications, and documentation related to the validation, along with the names, phone numbers, email addresses, and physical addresses of all parties involved.

Purchase Agreement : Provide a copy of the purchase agreement between your agency and the original creditor that transferred this alleged debt to you.

Debt Validation : Under 12 CFR 1006.34 ( b ) ( 5 ), you have failed to provide the necessary validation information. Without proper validation, you have no authority to furnish any account information to a consumer reporting agency.

Proof of Licensing and Bonding : Furnish proof that your agency is licensed and bonded to collect debts in my state, as required by law.

Additionally, please note that under 12 CFR 1006.34 ( d ) and 15 USC 1692g, any collection activity or reporting to consumer credit bureaus without providing the required disclosures and documentation is a violation of federal law. You are in clear violation of these regulations, and I demand that you immediately cease all collection activities and remove any reported information from my credit report until this matter is properly resolved. 
If you believe that you have complied with the law, I request that you provide all the documentation and evidence requested above within the next 30 days. Failure to do so will leave me no choice but to take further legal action to protect my rights. 
Please consider this letter as my formal request for all necessary documentation and evidence in accordance with the Fair Debt Collection Practices Act and other applicable laws. 
Thank you for your immediate attention to this matter.