Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
CEASE AND DESIST NOTICE OF DISPUTE, DEMAND FOR VALIDATION, AND NOTICE OF NON-CONSENT Consumer : XXXX XXXXAlleged Creditor : XXXX XXXX ServicesAlleged Collector : Source Receivables Management ( SRM ) Account Referenced : XXXXAmount Claimed : {$2200.00} NOTICE This communication constitutes formal notice that the above-referenced alleged debt is disputed in its entirety, and that all collection activity must immediately cease except as expressly permitted by law. 
This notice is issued pursuant to, but not limited to : * 15 U.S.C. 1692c ( c ) ( FDCPA Cease Communication ) * 15 U.S.C. 1692g ( FDCPA Validation of Debts ) * 15 U.S.C. 1692e & 1692f ( False, Deceptive, and Unfair Practices ) * 15 U.S.C. 1681 ( FCRA Inaccurate & Unverifiable Reporting ) * 15 U.S.C. 1601 et seq. ( TILA Material Disclosure Requirements ) * UCC 3-603 ( Tender of Payment / Discharge by Improper Transfer ) CEASE AND DESIST DEMAND You are hereby directed to cease all communication, including but not limited to SMS, telephone calls, automated messaging, and third-party contact, except to provide proper validation as required by law.

Any further communication outside lawful validation will be documented as knowing and willful non-compliance.

FORMAL DISPUTE AND GROUNDS 1. No Contractual Authority for Alleged ChargesThe original XXXX contract did not disclose, in any clear or conspicuous manner, any term authorizing : * coercion by way of property neglect, * punitive charges triggered by service degradation, or * post-contract extortionary billing practices. 
XXXX. Such omissions constitute material non-disclosure under TILA, rendering the alleged obligation unenforceable. 
XXXX. Improper Sale and Assignment of Alleged DebtThe alleged obligation was sold or assigned prior to any lawful determination of default.This constitutes improper negotiation and discharge issues under UCC 3-603, as no lawful tender, cure opportunity, or verified accounting was provided prior to transfer. 
XXXX. Failure to Establish Standing and AuthorityWhen requested, neither XXXX nor its agent disclosed : * corporate trustee structure, * securitization status, or * authority to enforce the alleged obligation. 
XXXX. As an entity operating within markets requiring SEC disclosures, refusal to identify the lawful party in interest constitutes lack of standing. 
XXXX. Third-Party Collection Without ValidationSRM has initiated collection activity without first providing debt validation, in violation of 15 U.S.C. 1692g ( a ).

DEMAND FOR VALIDATION ( REQUIRED ) Should you claim the right to continue any activity, you must provide all of the following : 1. A true and complete copy of the original signed contract 2. A full itemized accounting of the alleged balance 3. Proof of lawful assignment, including chain of title 4. Identification of the current creditor and trustee, if applicable 5. Evidence that the alleged obligation was not discharged, impaired, or rendered unenforceable prior to sale Absent this, all reporting and collection must permanently cease.

NOTICE OF LIABILITY Any continued collection activity, reporting, or contact after receipt of this notice, without proper validation, will constitute : * knowing FDCPA violations * FCRA reporting violations * evidence of bad-faith collection * grounds for regulatory and civil remedy All actions will be documented and preserved.

RESERVATION OF RIGHTS All rights are expressly reserved. No consent is given. No obligation is admitted. Silence shall not be construed as acquiescence.

UCC 1-308

Company response to consumer: Closed with explanation