Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX Last XXXX of XXXX : XXXX  Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : SOURCE RECEIVABLES M [ Insert Mailing Address for the Collector ] Subject : Debt Validation & Cease Collection Demand Alleged Account / {$880.00} Balance Account Opened : XX/XX/XXXXXXXX  Last Reported : XX/XX/XXXXXXXX  CERTIFIED MAIL RETURN RECEIPT REQUESTED To Whom It May Concern : This letter serves as a formal demand for full validation of the alleged debt you claim I owe, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

I dispute this debt in its entirety and demand strict proof that you have the legal right to collect and report it. Until you provide full validation, you must immediately cease all collection activity and reporting to credit bureaus. 

You are required to provide the following within thirty ( 30 ) days of receiving this letter : 1. A sworn, notarized affidavit signed by a person with direct, first-hand knowledge of the account, certifying under penalty of perjury that the alleged balance of {$880.00} is accurate and owed.

2. A copy of the original signed contract or application bearing my signature, or authenticated electronic signature logs and metadata if digital.

3. An itemized accounting showing all transactions, payments, fees, and interest used to calculate the balance.

4. The original creditors full name, address, and account number, plus copies of the original statements.

5. A complete chain of assignment or ownership, including all bills of sale, assignment agreements, or transfer documents proving you have legal ownership and authority to collect.

6. Proof that you are licensed and bonded to collect in the State of Georgia, including your license number and issuing authority.

7. Confirmation whether a Form 1099-C or similar tax document was ever filed or issued for this debt.

8. Evidence showing that the statute of limitations for collection or litigation has not expired.

9. If you claim a judgment exists, provide a certified copy including the case number, court name, and date entered. 



LEGAL NOTICE & CEASE COLLECTION ORDER While validation is pending, you are legally prohibited from any collection activity, including phone calls, texts, emails, or credit reporting. You must immediately : Mark any credit reporting as Disputed with all bureaus.

Cease all attempts to collect or contact me, my employer, or any third party. 
Ensure any documentation you provide is signed under penalty of perjury by an authorized officer.

Failure to comply or validate this debt within 30 days will result in : Immediate complaints filed with the CFPB, FTC, and Georgia Attorney General. 
Potential civil action seeking statutory, actual, and punitive damages under the FDCPA and FCRA, plus attorneys fees. 

You are further instructed to preserve all evidence and communications related to this alleged account, including internal notes, call logs, and records. Destruction or alteration of evidence will constitute spoliation and be treated as an intentional violation of law.

If you are unable to validate this account, you must : 1. Cease all collection activity, and 2. Delete all related tradelines from XXXX, XXXX, and XXXX  immediately. 

Mail your full response and documentation via Certified Mail Return Receipt Requested to my address above. 

Sincerely, /s/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation