Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: PA

Complaint narrative:
* * Complaint Against : * * Source Receivables Management , LLC ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX ; XXXX * * Subject : * * Coordinated Failure to Validate Debt, Inadequate Investigations, and Continued Reporting of Unverified Information I am filing this complaint against Source Receivables Management, XXXX XXXX, XXXX, XXXX, and XXXX due to their collective failure to properly validate an alleged debt, conduct reasonable investigations, and ensure accurate credit reporting. * * Summary of Issue * * I disputed an alleged XXXXL account and requested proper validation. In response : * Source Receivables Management provided only a generic letter and a poor-quality photocopy of an alleged account statement * The credit reporting agenciesXXXX XXXX, and XXXX continued to report the account as verified or accurate * XXXX XXXX has not provided any competent evidence demonstrating that I am legally obligated for this debt Despite this, the account continues to be treated as verified and accurately reported across multiple credit reporting agencies. * * Failure of Source Receivables Management ( FDCPA Violations ) * * Source Receivables Management failed to provide meaningful validation of the alleged debt as required under the Fair Debt Collection Practices Act. They did not provide : * A signed agreement or application * A complete account history * Proof of assignment or legal authority to collect * Documentation establishing that I owe the debt Providing a single, unclear account statement does not constitute proper validation. If they have continued collection activity or furnished information to credit reporting agencies without proper validation, this constitutes a violation of federal law. * * Failures of XXXX, XXXX, and XXXX ( FCRA Violations ) * * The credit reporting agencies have failed to conduct reasonable investigations as required under the Fair Credit Reporting Act. Specifically, they have : * Relied on unsupported responses from the furnisher * Failed to provide a proper method of verification * Continued reporting disputed information without adequate substantiation At least one bureau admitted that account fields were modified during the investigation. This raises serious concerns regarding the accuracy and prior verification of the account. If information required modification, it demonstrates that the data was not previously verified. Under the law, unverifiable or inaccurate information must be deletednot adjusted without proper substantiation. * * Failure of XXXX XXXX ( FCRA Furnisher Violations ) * * XXXX XXXX, as the furnisher of this account, has failed to provide documentation supporting the validity and accuracy of the alleged debt. They have not provided : * A signed agreement or application * A complete and accurate account history * Documentation supporting the reported balance and payment history If XXXX XXXX verified this account to the credit reporting agencies without such documentation, they failed to conduct a proper investigation and may have furnished inaccurate or unverified information. * * Contradictions Between All Parties * * This matter presents clear contradictions : * The debt collector failed to validate the debt * The credit reporting agencies continue to report the account as verified * The furnisher has not produced documentation supporting the account These positions can not all be true simultaneously. This strongly indicates that the account is being reported without proper verification and that the investigation process across all parties is fundamentally flawed. * * Requested Resolution * * I am requesting the following : 1. Require all parties to provide full and competent documentation supporting this account, including : * A signed agreement * Complete account history * Proof of legal obligation and authority to collect 2. Require each credit reporting agency to provide a complete and legally compliant method of verification 3. If proper verification can not be provided by all parties, require : * Immediate deletion of the account from XXXX, XXXX, and XXXX * Cessation of all collection activity by Source Receivables Management XXXX. Ensure that any reporting of this account is either fully substantiated or permanently removed * * Final Statement * * The continued reporting of this account without proper validation and verification reflects a breakdown in compliance with federal consumer protection laws. Consumers are entitled to accurate reporting and meaningful validationnot unsupported conclusions and incomplete documentation. I am requesting immediate intervention to ensure compliance and resolution.

Company response to consumer: Closed with explanation