Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Firstsource Business Process Services, LLC
State: PA

Complaint narrative:
-This is a company trying to collect debt on behalf of XXXX XXXX XXXX XXXX This was the first letter that was sent to them, then they contacted me again the same way 4 other times when I requested they stop contacting me. 

XXXX XXXX Sun, XX/XX/XXXX, XXXX ( 10 days ago ) Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Reference : XXXX Come see your repayment options Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX. XXXX  XXXX XXXX XXXX Sun, XX/XX/XXXX, XXXX ( 10 days ago ) to support XXXX To Whom It May Concern : This letter serves as a formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692c ( c ), and applicable Pennsylvania state law, that you immediately cease and desist all communication with me regarding any alleged debt. This includes, phone calls, text messages, emails, letters, or any other form of contact. Which you have already violated!! 

I am exercising my rights as a consumer under federal and Pennsylvania law to request that you cease and desist all attempts to contact me, including all digital and written forms of communication. Which you have violated again!! Your continued contact after receipt of this letter will be considered harassment and a direct violation of 15 U.S.C. 1692c ( c ) and may also constitute unfair or deceptive practices under the Pennsylvania Unfair Trade Practices and Consumer Protection Law ( UTPCPL ), 73 P.S. 201-1 et seq. 

Be advised that : Any further contact from your agency, aside from this one-time notice stating your intention to try and collect an alleged debt ( which you have done 2 times ) will be documented and reported. A complaint with the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), and the Pennsylvania Attorney Generals Office will be filed. If need be, I will pursue civil remedies for every violation you have made. 

Govern yourselves accordingly. 

Sincerely, -This is their second notification Firstsource Advantage LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX c/o XXXX XXXX XXXX, XXXX XXXX 

XX/XX/year> Sent via Certified Mail Return Receipt Request RE : Formal Debt Dispute and Cease & Desist Notification To Whom It May Concern : This letter serves as a formal dispute and cease and desist request pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. 

I am writing to notify you that I dispute the validity of any and all accounts your company claims I owe. I do not acknowledge any liability or responsibility for any such accounts. Additionally, you have failed to provide a proper validation notice as required under XXXX XXXX. XXXX ( a ) within XXXX ( XXXX ) days of initial communication. Therefore, any attempt to collect is unlawful. 

If your company is furnishing information about this alleged debt to any credit reporting agency, ( Which you have ) this may be a violation of 15 U.S.C. 1681s-2 ( a ) unless the debt has been verified and validated ( Which it has not ) If you can not validate the debt, you are required to immediately remove any tradelines from all consumer reporting agencies. ( Transunion, Equifax, Experian, etc. ) You are hereby ordered to cease all communication with me, except by written mail to the address you have on file. Failure to comply, or continued attempts to collect a disputed and unverified & unvalidated debt, will result in formal complaints to the CFPB, FTC, and legal action under 15 U.S.C. 1692k and 15 U.S.C. 1681n. 
This is your final notice. Govern yourselves accordingly, please. 

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation