Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Re : Formal Dispute of Collection Account Source Receivables Management / Alleged Balance {$1400.00} To Whom It May Concern, I am disputing the accuracy and validity of a collection account reported by Source Receivables Management , LLC in the amount of {$1400.00}. I have no knowledge of this debt and never entered into any agreement with this agency. 

Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), I demand that you conduct a reasonable reinvestigation of this account. You are required to : 1. Verify the accuracy and validity of this account, including the name of the original creditor, date of account opening, and full payment history. 
2. Provide documentation that establishes my legal responsibility for this debt. 
3. Delete this account from my credit file if the furnisher ( Source Receivables Management , LLC ) can not provide competent evidence. 

Relevant case law makes clear your obligations : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : Bureaus must conduct a meaningful reinvestigation of disputed items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX ) : Furnishing inaccurate or unverifiable information violates the FCRA. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Failure to follow reasonable procedures to assure maximum possible accuracy violates the FCRA. 

If your reinvestigation does not result in verifiable evidence supporting this account, you are legally required to delete it from my credit reports. Continuing to report unverifiable information may constitute willful noncompliance under FCRA 616 ( 15 U.S.C. 1681n ). 

I request written confirmation of your findings, along with an updated copy of my credit report reflecting any corrections or deletions. 

This letter is being sent via Certified Mail, Return Receipt Requested to document delivery. 

Sincerely, XXXX XXXX This letter was also sent to Source Receivables Management XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XX/XX/XXXX Source Receivables Management , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX Re : Request for Debt Validation Account Allegedly Owed {$1400.00} To Whom It May Concern, I am formally disputing and requesting validation of the alleged debt you claim I owe in the amount of {$1400.00}. This account has been reported on my consumer credit report, and I have no knowledge of this alleged debt, nor did I authorize my personal information to be sold, assigned, or transferred to your agency. 



Under my rights pursuant to the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), you must provide complete validation of this debt before continuing collection or credit reporting. Specifically, I request : The name and address of the original creditor.

A complete itemized accounting of all charges, interest, and fees that comprise the alleged balance of {$1400.00}. 
A copy of the original signed agreement or contract bearing my signature, demonstrating my legal obligation to pay. 
Documentation showing that Source Receivables Management , LLC has legal ownership or assignment of this debt and is authorized to collect it. 
Evidence that the information you are furnishing to credit reporting agencies is accurate, as required under FCRA 623 ( 15 U.S.C. 1681s-2 ).

Please note the following case law : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) : A creditor must produce a signed agreement to validate a debt. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Debt collectors must provide an account statement and supporting documents sufficient to verify the debt. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Credit reporting agencies must do more than a superficial investigation when accuracy of an account is disputed. 




Until such validation is provided, you must cease all collection activities and stop reporting or verifying this account with XXXX XXXX XXXX XXXX Continuing to report unverifiable information constitutes willful noncompliance with the FCRA ( 15 U.S.C. 1681n ) and may subject your company to civil liability. 



If you can not provide proper validation, you must immediately remove this account from all consumer credit reports. 



This letter is being sent via Certified Mail, Return Receipt Requested to ensure proof of delivery. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation