Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX [ Todays Date ] To : XXXX  | XXXX XXXX XXXX  XXXX : Source Receivables Management XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX FORMAL DISPUTE & DEMAND FOR IMMEDIATE DELETION OF UNVERIFIED COLLECTION ACCOUNT SOURCE RECEIVABLES MNGMN Account # : XXXX Violations of FCRA 1681e ( b ), 1681i, FDCPA 809, SHAM Act, and Breach Liability To Whom It May Concern, This letter serves as a formal dispute and immediate demand for deletion of the above-referenced collection account reported by Source Receivables Management and tied to XXXX XXXX XXXX for the amount of {$290.00}. 

Unverifiable, Unproven, and Fraudulent Reporting This collection account is : Unverified : No contract or itemized statement has been provided linking me to this alleged debt. 

Unproven : No legally binding agreement or proof of assignment has been shown. 

Fraudulently reported : I never consented to this reporting or business relationship with this agency. 

LEGAL VIOLATIONS IDENTIFIED FCRA 1681e ( b ) Accuracy Obligation You must ensure maximum possible accuracy. This debt has no verified contractual basis, and its continued reporting violates federal law.

FCRA 1681i Duty to Reinvestigate Under this statute, you are required to delete unverifiable information within 30 days of dispute. If you can not furnish proof of ownership and liability, you must delete.

FDCPA 809 ( a ) Validation of Debt The Fair Debt Collection Practices Act mandates that a debt collector must cease collection and provide proper validation upon request, including a signed contract and full accounting. To date, this has not occurred. 

SHAM Act False and Misleading Reporting You are in breach of the SHAM Act by continuing to report a collection without authenticating origin, ownership, or consumer consent. 

DATA BREACH LIABILITY IDENTITY COMPROMISE RISK Given the well-documented data breaches by all three CRAs, it is reasonable to conclude that my personal data XXXX have been misused or fraudulently used to create this false collection account. 

XXXX XXXX XXXX ) : XXXX SSNs, XXXX, and full files compromised Experian ( XXXX ) : Data exposure involving XXXX accounts XXXX  ( XXXX ) : Personal data exposed to unauthorized actors These breaches severely undermine the credibility of any new collections, especially those involving T-Mobile, whose users were explicitly affected. This account may very well be the result of synthetic fraud or ID theft.

EMOTIONAL & FINANCIAL HARDSHIP This account is causing : Repeated denial of credit Reputational damage Increased insurance premiums and loan rates Severe emotional distress and mental anguish You are hereby notified that your failure to correct this is causing tangible, documentable harm, for which I may seek damages under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ).

DEMAND FOR IMMEDIATE ACTION You are now legally obligated to : Immediately delete this unverifiable collection account from all credit bureaus Cease and desist all reporting of this fraudulent and baseless debt Provide me with written confirmation of deletion within 15 days of receipt If you do not fully comply, I will file complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The State Attorney General 's Office And pursue legal remedies for every day this false information remains on my reports. 

FINAL WARNING No signed contract = no lawful reporting. 
No validation = FDCPA violation. 
No accuracy = FCRA violation. 
Continued reporting = legal exposure and financial liability. 

This is your final notice before escalation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation