Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC
State: PA

Complaint narrative:
I am submitting this complaint against Source Receivables Management regarding their attempts to collect an alleged debt that I believe has not been properly validated in accordance with federal law. This matter is especially concerning because this alleged debt was previously removed from my records, yet it has reappeared under a different company name. This raises serious concerns about the accuracy, integrity, and legality of the reporting and collection of this debt, as well as potential violations involving the resale or reassignment of disputed or invalidated debt. Source Receivables Management has contacted me in an effort to collect on a debt that appears to have been sold or transferred from another creditor. However, they have failed to provide adequate documentation demonstrating their legal right to collect this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, a debt collector is required to provide proper validation of a debt upon request. This includes, but is not limited to : The amount of the debt The name of the original creditor Additionally, when a debt has been sold or assigned, the collector must be able to demonstrate a clear chain of title from the original creditor to themselves. This typically includes a purchase agreement or assignment documentation showing that the specific debt in question was included in the transfer. Despite my request for validation, I have never received any purchase agreement or documentation showing that this alleged debt was sold, assigned, or legally transferred to Source Receivables Management. They have failed to provide : A copy of the original contract or agreement bearing my signature A complete chain of assignment or ownership of the debt Any purchase or sale agreement proving they legally own or were assigned this specific debt Additionally, I have requested documentation from the original creditor regarding any tax treatment of this alleged debt, including whether it was written off or reported as canceled debt ( such as issuance of a Form 1099-C ). To date, I have not received any tax write-off documentation or confirmation from the original creditor. Furthermore, the reappearance of a previously removed debt under a different company may also raise concerns under the Fair Credit Reporting Act ( FCRA ), including obligations to ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) and to properly investigate disputed information ( 15 U.S.C. 1681i ). Their failure to provide this information, combined with the re-reporting of a previously removed account, raises serious concerns about the legitimacy of the debt and their authority to collect it. Additionally, continued collection efforts without proper validation may constitute violations of the FDCPA, including but not limited to : 15 U.S.C. 1692e : False, deceptive, or misleading representations 15 U.S.C. 1692f : Unfair or unconscionable means to collect a debt I respectfully request that the Consumer Financial Protection Bureau investigate this matter and require Source Receivables Management to : 1. Provide full and proper validation of the alleged debt, including a complete chain of title and purchase agreement 2. Provide documentation from the original creditor regarding any tax write-off or cancellation of the debt ( including any Form 1099-C, if applicable ) 3. Cease all collection efforts until such validation is provided 4. Investigate the reappearance of this debt under a different company 5. Ensure compliance with all applicable federal laws and regulations If they are unable to provide the required documentation, I request that this account be deemed invalid, permanently removed, and that all collection efforts cease immediately. Thank you for your attention to this matter

Company response to consumer: Closed with explanation