Consumer complaint received 2025-10-27 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: MI

Complaint narrative:
This complaint concerns the unlawful re-reporting of an invalid XXXX debt by Source Receivables Management , following prior removal by XXXX XXXX XXXX , in violation of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ), Regulation F ( 12 C.F.R. 1006 ), and the Fair Credit Reporting Act ( FCRA ).

Background and Prior Dispute XXXX XXXX XXXX previously attempted to collect the alleged XXXX balance. The debt was disputed with both XXXX and XXXX as invalid. I submitted a formal debt-validation request under 15 U.S.C. 1692g, and no verification or documentation was ever produced.

After receiving my written dispute, XXXX deleted its collection tradeline from all three credit bureaus, acknowledging that the debt was unverified and uncollectible.

Reg F Pre-Furnishing and Validation Failures On XX/XX/2025, Source Receivables Management inserted a new collection tradeline for the same disputed XXXX account, claiming a balance of {$1500.00}, without any prior contact or validation notice.

Under Reg F 1006.30 ( a ), a debt collector may not furnish information to a consumer reporting agency unless they have either : Engaged in a live communication ( call or in-person ) with the consumer about the debt, or Sent a written or electronic notice about the debt and then waited a reasonable period ( CFPB safe harbor 14 days ) to ensure it was not returned undeliverable.

Source Receivables did neither before furnishing the account, violating the pre-furnishing rule.

Additionally, under FDCPA 809 and Reg F 1006.34, once a collector initiates contact, they must provide a validation notice within five days. No such notice was ever received within the statutory period.

egal Implications Reg F 1006.30 ( a ) ( b ) : Premature furnishing without prior communication or notice.

15 U.S.C. 1692g ( a ) : Failure to provide required validation notice.

15 U.S.C. 1692e ( 8 ) : Communicating credit information known to be disputed.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing information known or believed to be inaccurate.

Harm The false tradeline reappeared after deletion, lowering my credit score and undermining prior dispute efforts.

Lost credit opportunities and financial harm from an account never validated or owed.

Unlawful re-furnishing created confusion and reputational injury.

Company Conduct XXXX and XXXX had previously removed the item after failure to verify. Source Receivables later insertion, without validation or notice, represents a systemic Reg F violation and reckless disregard of consumer-protection law.

I request that the CFPB investigate Source Receivables Management, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX for violations of the FDCPA, Reg F , and FCRA, and require : Immediate deletion of the {$1500.00} XXXX tradeline from all credit bureaus ; Written validation and chain-of-assignment documentation confirming lawful basis ; Restitution for credit harm and costs ; and Implementation of Reg F-compliant furnishing controls and compliance reporting to the CFPB.

Company response to consumer: Closed with explanation