Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Firstsource Business Process Services, LLC
State: NY

Complaint narrative:
Notice of Dispute and Demand for Validation Alleged Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Firstsource Advantage , LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Debt Collector License : XXXX Re : Notice of Dispute and Demand for Validation Alleged Account : XXXX Consumer : XXXX XXXX, also referenced as XXXX XXXX I. FORMAL DISPUTE OF ALLEGED DEBT Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., I hereby formally dispute the validity and enforceability of the alleged debt referenced above. As established in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ), and XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ), consumers are entitled to detailed validation and original documentation before any collection activity. Accordingly, all collection and credit reporting activities must immediately cease pending proper validation. 

II. DEMAND FOR ORIGINAL DOCUMENTS AND VALIDATION Under FDCPA, Truth in Lending Act ( TILA ), 12 CFR 1002, and applicable state law, I demand the following within thirty ( 30 ) days : Original Application and Note : The genuine, wet ink signed application and all governing contracts for the alleged account ( XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX ) ). 

Reprint of Bill of Exchange or Negotiable Instrument : A certified copy of each bill of exchange or negotiable instrument tied to the account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ). 

IRS Forms 1099-C and OID : All issued IRS Form 1099-C ( Cancellation of Debt ) and any OID ( Original Issue Discount ) forms, or a sworn statement that none were issued. Once a 1099-C is filed, further collection is prohibited ( XXXX v. XXXX, XXXXXXXX XXXX XXXX XXXX ) XXXX ( XXXX ) ; XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) ). 

Verified Purchase or Assignment Agreement : Full copies of any executed purchase or assignment agreements by which Firstsource Advantage, LLCor any third partyclaims rights to collect. No collector may claim rights without demonstrated legal assignment ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) ). 

Proof of Privity and Consideration : Documentation evidencing a valid, binding, and mutual agreement ( privity ) and consideration between myself and any collecting party. 

Full, Verified Accounting : Detailed, itemized statements showing all debits, credits, payments, and specific cash depositsspecifically referencing the {$200.00} deposit on record ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ). 

Sworn Affidavit : A notarized affidavit from a person with firsthand knowledge, affirming the original source, amount, and lawful assignment of the alleged debt ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) ). 

Debt Collection License : Proof of current state debt collection license for Firstsource Advantage , LLC ( License No. XXXX ), confirming all activity is lawful. 

XXXX. PROHIBITION OF DOUBLE RECOVERY AND COLLECTION AFTER DISCHARGE Per 26 U.S.C. 61 ( a ) ( 12 ), 108, and 6050P, any discharged or charged-off debt reported to the IRS by Form 1099-C can not be further collected. Attempts to collect after discharge are strictly prohibited as held in XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ), and violate both federal tax code and consumer law. 

IV. DEFICIENT PROOF AND CONSEQUENCES To date, neither XXXX XXXX XXXXXXXX XXXX nor Firstsource Advantage , LLC has provided : Original, wet ink signed instruments as required by XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) ; Verifiable, detailed accounting as per XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX. XXXX ) ; Legally sufficient assignment, privity, or sworn affidavit as required by the above authorities. 

Ongoing attempts to collect without valid proof constitute fraudulent misrepresentation, unjust enrichment, and actionable injury in law and equity ( XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) ). 

V. FORMAL DEMAND AND NOTICE By right, I hereby demand : Immediate suspension of all collection and credit reporting activity until lawful validation is provided as itemized above ; Delivery, within thirty ( 30 ) days, of the original wet ink contracts, instruments, assignment documents, accounting, tax forms, and affidavits requested ; Written confirmation of collection suspension and dispute status ; Removal of any derogatory credit reporting related to this alleged account pending lawful resolution. 

Failure to comply will result in complaints to state and federal regulators, and may subject you to statutory and actual damages under FDCPA, FCRA, and other applicable laws. 

All rights reserved. No waivers made. 

by : /sXXXX  XXXX Beneficiary XXXX XXXX XXXX XXXX

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