Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Firstsource Business Process Services, LLC
State: FL

Complaint narrative:
The companys response does not resolve the core compliance issues raised in my complaint. Firstsource Advantage acknowledges that it was collecting on the XXXX XXXX XXXXXXXX account and that it sent an email on XX/XX/XXXX. My ceaseanddesist request was received before it was processed on XX/XX/XXXX, meaning the XX/XX/XXXX communication occurred after they were on notice. Under FDCPA 805 ( c ), collectors must cease communication upon notice, and neither Firstsource nor XXXX XXXX XXXX has demonstrated compliance. Firstsource also failed to address my allegation that earlier communications lacked the mandatory timebarred debt disclosure required under Regulation F ( 12 CFR 1006.26 ). Their response does not state when the disclosure was first provided, nor does it deny that earlier communications omitted it. Courts have consistently held that attempting to collect a timebarred debt without clear disclosure is misleading and violates the FDCPA. See : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) These cases establish that silence or ambiguity regarding timebarred status is deceptive as a matter of law. XXXX XXXX XXXX, as the creditor and furnisher, is jointly responsible for ensuring that its agents comply with federal law. A creditor can not avoid liability by outsourcing collection activity. Courts have held that furnishers and their agents share responsibility for ensuring accurate and nonmisleading information. See XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ). When a furnisher delegates collection activity, it remains responsible for ensuring that its agents comply with the FDCPA, FCRA, and Regulation F. Additionally, the CFPB has repeatedly stated that creditors may be liable for the actions of their thirdparty collectors when those actions result in misleading, inaccurate, or noncompliant communications. Firstsources attempt to shift responsibility to XXXX XXXX XXXXXXXX is inconsistent with federal law and regulatory guidance. Because Firstsource was acting as XXXX XXXX XXXX agent, both entities are jointly responsible for : ( 1 ) ensuring that all communications complied with FDCPA 805 ( c ) ; ( 2 ) ensuring that the required timebarred disclosure was provided in a timely and compliant manner; and ( 3 ) ensuring that no inaccurate, incomplete, or misleading information is being furnished regarding this account. The companys response is incomplete and does not address these jointliability issues. I request that the CFPB require both Firstsource and XXXX XXXX XXXXXXXX to provide : the date the timebarred disclosure was first provided ; documentation showing compliance with FDCPA 805 ( c ) after my ceaseanddesist notice ; and confirmation that no inaccurate or misleading information is being furnished regarding this account. -- -

Company response to consumer: Closed with explanation