Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
I am submitting this complaint regarding improper debt collection practices by a third-party collection agency attempting to collect an alleged debt purportedly owed to XXXX. 

I dispute the alleged debt in its entirety. 

My account with XXXX was fully paid and in good standing at the time my phone lines were successfully transferred to another carrier. Number portability is not permitted where an account carries an outstanding balance ; verification of a XXXX or current balance is a prerequisite to releasing a line. The successful transfer of my numbers therefore establishes that no balance was due at the time of transfer. Any charges asserted after that point were never knowingly agreed to, authorized, or incurred by me. 

After the account was closed, an alleged balance appeared. I do not have sufficient information to determine the origin of this charge because all records necessary to do so are exclusively within the possession and control of the original creditor, XXXX. As a former customer, I no longer have access to billing records, account history, or internal notes. 

My wife and I repeatedly notified XXXXby telephone and in person at retail locations over multiple daysthat an error or fraud had occurred and that the balance was incorrect. XXXX representatives acknowledged the issue and stated that it would be documented internally. 

One possible scenario, among others, may involve an unauthorized third-party transaction that was reported as fraudulent at the time it occurred. In that instance, multiple XXXX  were ordered without authorization, explicitly declined during a security verification call, and nevertheless shipped to an address in another part of the country. I do not concede that this was the sole or definitive cause of the alleged balance. The precise origin of the charge remains factually unknown, and determining it is not my burden. 

On Monday, I explained this dispute in detail during a telephone call with the collection agency. I was advised that the dispute had been recorded and would be researched, and that no further action was required on my part. Despite this, I received additional collection calls later that same week. During those calls, the agency stated there was no record of any prior dispute. 

The collection agency has repeatedly asserted that I must prove payment of the account. This is legally incorrect. Under the Fair Debt Collection Practices Act ( FDCPA ), the burden of validation rests with the debt collector, not the consumer. I can not be required to reconstruct records for a closed account or produce documents exclusively controlled by the creditor. 

To date, the collection agency has failed to provide proper validation of the alleged debt, including a complete account history, itemized charges, proof of authorization, confirmation that any unauthorized devices and related service charges were fully removed, or proof of its authority to collect. 

Despite this failure, collection communications have continued. 

I believe these actions violate the FDCPA, including but not limited to 15 U.S.C. 1692d, 1692e, 1692f, and 1692g. I request that the CFPB require the company to cease collection activity unless and until proper validation is provided and to correct its records accordingly.

Additionally, pursuant to 15 U.S.C. 1692c ( c ), I have directed the collection agency to cease all telephone communications with me. Any continued calls after notice may constitute additional violations of the FDCPA.

Company response to consumer: Closed with explanation