Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: FL

Complaint narrative:
I am filing a complaint against Firstsource Advantage , LLC and XXXX XXXX XXXX XXXX XXXX regarding an alleged XXXX XXXXXXXX / XXXX XXXX Bank account ending in XXXX. 

On XXXX XXXX XXXX, I formally disputed the account and invoked binding arbitration under the cardholder agreement and the Federal Arbitration Act. I reaffirmed the arbitration election and statutory disputes on XXXX XXXX XXXX  ( sent via certified mail ) and on XXXX XXXX XXXX to both Firstsource and XXXX as successor/servicer. 

Despite these legally binding arbitration elections, both companies continued collection activity, continued transmitting documents, and continued furnishing information to credit reporting agencies, which violates : FDCPA 15 U.S.C. 1692g ( b ) ( continued collection after dispute ) FDCPA 15 U.S.C. 1692e ( 8 ) ( failure to mark account disputed ) FCRA 15 U.S.C. 1681s-2 ( a ) ( 3 ) ( failure to report disputed by consumer ) FCRA 15 U.S.C. 1681s-2 ( a ) / ( b ) ( furnishing unverified information ) FCCPA 559.72 Federal Arbitration Act 9 U.S.C. 1 et seq. 

On XXXX XXXX XXXX, Firstsource mailed me internal statements, a cardholder agreement, and an identity-theft affidavit. This was improper and misleading, as I never claimed fraud or identity theft. My dispute was statutory and arbitration-based, yet they misclassified it in order to avoid acknowledging the arbitration requirement. 

This misclassification, along with continued document transmissions, constitutes continued collection activity outside of arbitration, in violation of the XXXX and the agreement they are bound by as agents or successors of XXXX XXXX XXXX 

Both Firstsource and XXXX have ignored : 1. My arbitration elections 2. My dispute letters 3. Requests for validation 4. My certified notices 5. Requests for cessation of collection activity 6. My request that the account be marked disputed by consumer arbitration elected I have provided both companies with a Final Enforcement Notice and a Settlement Agreement and Release, and I have informed them that I will file AAA arbitration ( my fee capped at {$200.00} ) naming both companies as co-respondents ( their business fees {$1700.00} each ) and will file a Petition to Compel Arbitration in federal court if needed. 

I am asking CFPB to intervene because both companies : Misclassified my dispute Ignored my XXXX arbitration election Continued collection actions despite legal prohibition Failed to follow FCRA dispute-reporting obligations Failed to provide contract-level validation Ignored certified notices and deadlines Continued furnishing unverified information I am submitting all supporting documents, including the dispute letters, arbitration elections, fraud-packet response, certified mail receipts, and my pre-filed Verified Complaint for Damages and Injunctive Relief. 

I am seeking immediate regulatory review and correction.

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