Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX Source Receivables Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX To Whom It May Concern, I am writing to formally address the inaccurate and unauthorized reporting of a debt to the credit bureaus, which is severely impacting my ability to secure credit and housing for my family. I believe that you have violated my rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and associated case law governing debt collection and credit reporting. 

Details of the Disputed Debt : Creditor : Source Receivable Account Number : XXXX Date of Reporting : XX/XX/XXXX Amount Reported : {$390.00} I have reviewed my credit report and found that your agency has reported this alleged debt without any prior notification, and I dispute the validity of this debt for the following reasons : Lack of Notification/Failure to Provide Validation Notice : According to the FDCPA, specifically 15 U.S.C. 1692g ( a ), a debt collector is required to provide written notification within five days of contacting a consumer regarding a debt. To date, I have not received any such notification from your agency. As a result, I have not been afforded the opportunity to validate this alleged debt. The failure to notify me of the debt and my right to dispute it is a clear violation of the law. 

Case Law Reference : In XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court ruled that the failure of a debt collector to provide the proper validation notice violates the FDCPA and the consumers right to dispute the debt. 

Failure to Obtain My Consent to Report : Under the FCRA ( 15 U.S.C. 1681s-2 ), a debt collector must have proper authorization to report information to credit bureaus. I have not granted permission to your agency to report this alleged debt, nor was I made aware that this action was being taken. Your agency has failed to meet the requirements for reporting this information. 

Inaccurate Reporting : The reported information regarding this debt is inaccurate and misleading. Under FCRA Section 1681e ( b ), all information reported to credit bureaus must be accurate, complete, and verifiable. Your failure to provide me with validation of the debt in question has left me unable to verify its accuracy, and as such, this reporting should be immediately removed. 

Impact on My Credit and Familys Well-being : The reporting of this alleged debt is not only legally improper but is causing significant harm to my financial future. It is holding me back from securing necessary credit and obtaining a home for my family, which is causing undue emotional distress. Under 15 U.S.C. 1692e ( 8 ) of the FDCPA, any false or misleading representation in connection with the collection of a debt is prohibited. 

Given the above violations, I am requesting the following : Immediate cessation of reporting this debt to all credit bureaus.

Immediate removal of any negative reporting on my credit report related to this alleged debt.

Written confirmation from your agency that this matter has been resolved, and that this debt will not be further reported or pursued. 

Please be advised that if these violations are not corrected within 30 days, I will have no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and will consider pursuing legal action to enforce my rights. 

Furthermore, under FCRA Section 1681i, I request that you immediately begin an investigation into the accuracy of this debt and provide me with written confirmation of the results. 

I trust that this matter will be resolved swiftly and in compliance with the law. Please confirm in writing that the negative item will be removed from my credit report and that you will cease all reporting of this alleged debt. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation