Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Source Receivables Management LLC
State: MD

Complaint narrative:
I closed my account with XXXX on XXXX after nearly
15 years of service with this company. I switched to another
carrier that offered better pricing for my large family with
multiple lines of service. I made my final payment to XXXX on XXXX. 
Months later, I receive a bill from XXXX for XXXX. I also, almost simultaneously, receive a letter from a collection agency, Source Receivables Management. 
I contacted XXXX on XXXX and spoke with agent XXXX. I asked for a detailed
breakdown of what the charges were that XXXX was stating I owed. He said he could not give me that information nor could he mail me an itemized bill. I also inquired as to confirmation of my account being referred to a collection agency and he told me he
could not confirm that information for me either. I asked to have this investigated and to notate the account that I was disputing any charges unless and until they could be verified and that information could be provided to me. He stated I would receive a response within 10 days. I never received a response. I then receive a denial letter for credit from a bank stating that it was due to a collections account on my credit report. I review my credit report and see a collections account for XXXX from Source Receivables Management. I dispute this with XXXX  immediately on XXXX. I then contact the collection agency, who also could not verify the details of the amount I was
being billed. I spoke with XXXX  who told me she had no information and that I needed to call XXXX because that is where the account originated.  She stated all she could see is that the account was for an XXXX XXXX.  I informed her that that was confirmation that the charges were in error because I never purchased an XXXX XXXX from XXXX. I asked to escalate to a Supervisor and she told me she spoke with her supervisor and he said to tell me to "pay the balance". I informed her that the law requires a collection agency to validate a debt prior to reporting to a credit bureau and if they could not do that, they are in violation of the law. She then told me there was nothing she could do for me.  I informed her that I would be filing a complaint with CFPB and the XXXX.  

I called XXXX  back again on XXXX  for a final attempt to resolve with the originator of the issue and spoke with XXXX  who attempted to help me but was ultimately unable to see the details of the charges as well. I told him it was unreasonable to expect someone to simply pay such a large balance without being able to verify what it is for.  He agreed. I also informed him that I am locked out of my XXXX online account, so I am unable to see any charges, payments, bills, etc. in order to demonstrate that the account was paid in full.  Without this information, I as the consumer am at a disadvantage. He referred me to the collection agency, who I explained had referred me back to XXXX as the originator of the account. I am stuck in the middle of two businesses that cannot validate these charges and I want this account removed from my credit report immediately.

Company response to consumer: Closed with explanation