Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: NC

Complaint narrative:
To Whom it XXXX concern at Source Receivables Management. This is in response to complaint ID : XXXX. In your last reply to me, you stated the following : Neither the FDCPA nor the FCRA requires us to provide a copy of a signed contract or the original application in order to validate the account. '' VALIDATION if from you ( the collector ). However, VERIFICATION if from me. According to the FDCPA " this is a letter you send to the debt collector to dispute the debt or request more information to verify its legitimacy. '' I XXXX Include specific requests for information, such as : " The original contract or bill showing the debt, XXXX on how the amount was calculated, and XXXX of the collector 's right to collect the debt. '' I am requesting all of the aforementioned information. According to the FDCPA, " If the collector fails to provide the requested verification, it can be used to challenge the debt, potentially leading to its removal from your credit report. '' Therefore I am requesting a reinvestigation according to 15 U.S. Code 1681i : ( a ) Reinvestigations of disputed information ( XXXX ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( XXXX ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the XXXX period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ). ( XXXX ) Consideration of consumer information In conducting any reinvestigation under paragraph ( XXXX ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( XXXX ) ( A ) with respect to such disputed information. ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I am demanding that you delete this tradeline/debt/account from my consumer/credit report. If you choose to ignore the federal laws presented in this dispute letter I will be forced to deal with you using other methods : 1681n. Civil liability for willful noncompliance, and 1681o. Civil liability for negligent noncompliance.

Company response to consumer: Closed with explanation