Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Firstsource Business Process Services, LLC
State: WA

Complaint narrative:
I, XXXX XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Washington XXXX, submit this statement in response to communications and electronic payment solicitations made by Firstsource Advantage , LLC regarding an alleged consumer debt purportedly associated with XXXX  and presented with a claimed balance of approximately {$140.00}. This statement is made strictly for the purpose of requesting lawful verification and clarification. It does not constitute an acknowledgment, admission, or acceptance of liability for any debt, nor does it waive any rights or revive any statute of limitations. 

The alleged XXXX obligation is disputed in its entirety. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, and the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., I require competent, complete, and admissible evidence demonstrating that the alleged obligation exists and that Firstsource Advantage , LLC has the lawful right to collect it. This includes documentation bearing my name and signature or other legally binding evidence of assent evidencing the original XXXX agreement ; a complete and itemized accounting of the alleged balance from inception to present, including principal, fees, interest if any, credits, and payments ; the date of default ; and the date the account was placed for collection. 

I further require full proof of authority to collect, including the complete chain of assignment, placement, or transfer of collection rights from XXXX to Firstsource Advantage , LLC. Automated payment portals, settlement offers, payment plans, screenshots, or internal account summaries do not constitute lawful validation or verification. 

Because Firstsource Advantage , LLC is attempting to collect from a Washington State resident, it is required to demonstrate full compliance with Washington law. This includes proof that it was properly licensed and authorized to collect consumer debts in the State of Washington pursuant to RCW 19.16 at the time of initial contact and throughout the period of attempted collection. Such proof must include the Washington collection agency license number, the licensed business name, the issuing authority, and confirmation that the license was active when collection activity began. Absent valid licensure, any collection activity directed toward a Washington consumer is unlawful. 

If information regarding this alleged XXXX account has been furnished or is intended to be furnished to any consumer reporting agency, such reporting must comply with the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ) and 1681s-2 ( b ). Reporting or continuing to report unverified, incomplete, or disputed information constitutes a violation of federal law and may give rise to civil liability under 15 U.S.C. 1681n and 1681o.

Pending full and proper verification, all collection activity must cease as required by 15 U.S.C. 1692g ( b ). This includes, but is not limited to, payment demands, settlement solicitations, electronic payment links, payment plan offers, and credit reporting. Any continued collection activity without first providing the required verification may be documented as knowing and willful violations of federal and Washington State law. 

All communications regarding this matter must be made in writing only and directed to the address stated above. No authorization is given for telephone contact, electronic contact, automated payment prompts, or third-party communications. 

If Firstsource Advantage , LLC is unable to provide the documentation and proof described herein, it must cease all collection efforts and refrain from any reporting or further pursuit of the alleged account. Failure to comply may result in formal complaints to the Consumer Financial Protection Bureau, the Washington State Attorney General, and other appropriate regulatory authorities, and may serve as evidence in any future legal or administrative proceeding. 

This statement is made in good faith for the sole purpose of enforcing my rights under applicable law. No rights are waived.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation