Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Firstsource Business Process Services, LLC
State: NY

Complaint narrative:
I am XXXX XXXX XXXX ( also represented as XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and related variations ). I have not authorized any third party to use, trade upon, securitize, or otherwise profit from these name ( s ) or related intellectual property interests.

It has come to my attention that the above-named entities have used, transferred, or otherwise handled accounts and data bearing my name, without my explicit consent, lawful contract, or fully disclosed consideration. No valid security agreement, meeting the requirements of 15 U.S.C. 1692 ( FDCPA ), 12 U.S.C. 1818 ( Federal Deposit Insurance Act ), or other relevant consumer and banking laws, exists bearing my wet ink signature.

Any unauthorized use, assignment, or creation of security interests or commercial instruments in my name, in any format, constitutes a breach of my common law, statutory, and intellectual property rights.

II. FORMAL DEMAND FOR COMPENSATION AND CESSATION I assert a claim of {$10000.00} per each unauthorized use, transfer, or assignment of the following protected names, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You're required to immediately provide evidence of valid authorization, including the original non-UCC security agreement or other lawful instrument bearing my wet ink signature, authorizing any and all uses, transfers, or security interests associated with my name.

If you can not produce such an agreement, all further use or handling of my name and associated account ( s ) must cease immediately. No negative reporting or further assignment may be made, and all files must be returned or removed from your systems.

Remedy in the amount of {$10000.00} per occurrence, by check or money order payable to XXXX XXXX XXXX, is demanded within thirty ( 30 ) days of this notice.

III. VIOLATION OF CONSUMER AND BANKING LAWS Your actions constitute violations of : The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 prohibiting misleading, deceptive, and unauthorized attempts to collect or use consumer data ; The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. requiring reporting parties to have verified, lawful authorization to use personal identifying information ; The Federal Deposit Insurance Act, 12 U.S.C. 1818 imposing obligations on federally regulated entities to maintain consumer trust and prevent unlawful assignments or transfers ; Copyright/Trademark Laws, 17 U.S.C. 101 et seq. ; 15 U.S.C. 1051 et seq. prohibiting the unauthorized commercial use of protected names and works ; Relevant Common Law Principles : See Marbury v. Madison, 5 U.S. ( 1 Cranch ) 137 ( 1803 ) ( establishing supremacy of law ) ; Ashwander v. Tennessee Valley Auth., 297 U.S. 288 ( 1936 ) ( restrictions against misuse of rights ).

IV. NOTICE OF REPORTING TO REGULATORS A copy of this demand and complaint will be sent to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), state attorney general, and other relevant regulators for investigation.

V. RESERVATION OF RIGHTS All common law, statutory, and equitable rights are expressly reserved. No waivers are made.

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