Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
I am submitting this complaint against all three nationwide credit reporting agencies XXXX, XXXX, and XXXX  regarding their failure to maintain the accuracy and integrity of my credit reports. 
Background : I have no relationship with Source Receivables Management and do not owe the alleged debt they are attempting to collect. A different collection agency previously reported this same alleged debt. I filed disputes and a complaint, and after investigation, the debt was determined to be invalid and was removed from my credit reports. 
Despite this, in late XX/XX/year>, Source Receivables Management re-reported the same alleged debt to all three credit bureaus, causing it to reappear on my credit files. 
Concerns : Failure to Vet Furnisher Information : All three bureaus accepted Source Receivables Managements reporting without verifying whether this was a duplicate or re-aged version of the same debt that had already been removed. The bureaus failed to compare their own historical records or block the reintroduction of a previously disputed item. 
Failure to Uphold FCRA Obligations : Under the Fair Credit Reporting Act ( FCRA ) 607 and 611, credit bureaus are required to maintain maximum possible accuracy in consumer reports and to reasonably investigate disputes. Allowing the same alleged debt to reappear under a different collectors name, without proper vetting, violates these obligations.

Consumer Harm : As a result of the bureaus failure, my credit scores dropped across all three reports ( XXXX  : XXXX, XXXX  : XXXX, XXXX  : XXXX ). I received multiple negative alerts showing that Source Receivables Management flagged the account as Unpaid ( D ) and reported it as being in collections between XXXX XXXX XXXX. This has caused measurable damage to my financial reputation, negatively impacted my ability to access credit, and created unnecessary stress. 
Requested Action : I respectfully request that the CFPB : Investigate XXXX, XXXX, and XXXX  for their failure to properly vet and block this re-reported debt. 
Require the bureaus to delete the account reported by Source Receivables Management unless they can provide verifiable proof that it represents a new and valid obligation tied to me. 
Require the bureaus to implement stronger internal controls to prevent previously disputed and deleted accounts from reappearing under new furnishers. 
Require the bureaus to provide me with written confirmation that this disputed account has been deleted and will not be reinserted without certified validation. 
Supporting Evidence : I am attaching the following documentation in support of this complaint : Credit monitoring alerts from XXXX and XX/XX/year> showing the new collection account and resulting score decreases. 
Screenshots of my current credit scores with XXXX, XXXX, and XXXX. 
Notifications showing Source Receivables Management reported the account as Unpaid ( D ) and in Collections. 
Confirmation of my prior dispute where this same alleged debt was previously removed. 
The failure of XXXX, XXXX, and XXXX  to properly safeguard against repeat and inaccurate reporting has directly harmed me, and I request the CFPBs intervention to correct this issue and prevent further damage.

Company response to consumer: Closed with explanation