Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Firstsource Business Process Services, LLC
State: SC

Complaint narrative:
I am filing a complaint regarding the conduct of FirstSource Advantage , LLC in attempting to collect an alleged debt connected to XXXX, XXXX. On XX/XX/year>, at XXXX XXXX I received the first communication from the debt collector regarding an alleged balance of approximately {$1200.00} related to a XXXX account. On XX/XX/year>, I request a Validation of this Debt. around XX/XX/year>, after the first contact, the collector sent what they described as a validation package. However, the documents provided did not constitute full validation of the alleged debt. The materials included a copy of a contract and a limited number of billing statements, but they did not explain how the balance of {$1200.00} was calculated, did not include a complete payment history, and did not provide clear proof of the collectors authority to collect the debt. Because the documentation appeared incomplete, I continued disputing the alleged debt. On XX/XX/year>, after additional contact from the collector, I sent another written communication again disputing the alleged debt and requesting proper validation and clarification of the balance being claimed. Despite the account remaining disputed and the validation being incomplete, the collector continued contacting me. On XX/XX/year>, I received additional collection communications, including calls, emails, and text messages attempting to contact me regarding the alleged debt. These communications also included attempts to enroll me in a payment plan. On XX/XX/year>, I received an email from the debt collector stating that I could pay less than the full balance to resolve the account. The email included a link inviting me to view a settlement offer related to the alleged balance of {$1200.00}. The alleged debt is connected to an ongoing dispute involving the underlying service account with XXXX. That dispute is currently part of an arbitration matter administered by the XXXX XXXX XXXX. The collector has been informed that the account is disputed, yet collection communications and settlement solicitations have continued. This communication appears to be an attempt to collect payment even though the debt had already been disputed multiple times and proper verification had not been provided. The continued collection activity includes repeated contact and settlement solicitations encouraging payment while the debt remains disputed and insufficiently verified. The alleged debt originates from a dispute involving services provided by the original creditor. That underlying dispute has not been resolved, yet the collector continues attempting to obtain payment on the account. These continued collection attempts have required me to spend time documenting communications and responding to collection efforts regarding a debt that remains disputed and insufficiently verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation