Source Receivables Management LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
07/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11236	Web
I, being a natural person in fact a national person, a private person, a living soul, a consumer and secure party and not a statutory person residing in the state of New York in the country of America called XXXX XXXX do hereby solemnly declare say and state one secure party is hearing everything stated in this truth affidavit is the truth the whole truth and nothing but the truth and all stated is true correct complete and not missing or misleading. NO THIRD PARTIES ALLOWED. PLAIN STAEMENTS ABOUT THE FACTS : FACT, the truth in lending act is intended to inform consumers about the cost of credit. FACT, the truth in lending act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. FACT, AFFIANT is aware and has proof in attachment labeled as exhibit ( A ) SRM Is in violation of 15 USC 1692 ( C ) ( A ) a debt collector may not communicate with a consumer in connection with the collection of any debt. FACT, AFFIANT is aware and has proof in attachment labeled exhibit ( A ) that SRM is in violation of 15 USC 1692 ( B ) ( 2 ) AND ( B ) ( 5 ) AS THESE LAWS APPLY TO ALL CREDIT COLLECTION AGENCIES ALL VIOLATIONS MUST BE ANSWERED FOR 15 USC 1692 D ( 2 ) A debt collector may not engage in any conduct the natural consequence of which is to harass oppress or abuse any person in connection with the collection of a debt without limiting the general application of the foregoing the following conduct is a violation of this section. IN TRUTH I XXXX XXXX FEEL OPRESSED AND ABUSED AS SOURSE RECIEVIBLES MANAGEMENT AND ITS AFILIATES HAVE SENT ME 12 LETTERS WITH DIFFERENT AFFILIATES NAMES SUCH AS XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX THIS IS ABUSE IN ITS FULLIST EXTENT I HAVE NO CONTRACT WITH ANY OF THE COMPANIES LISTED ( 2 ) the use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader 15 USC 1692 b Section ( 2 ) Any debt collector shall not state that such consumer owes any debt. Identify, state that he is confirming or correcting location, information concerning the consumer and only if expressly requested identify his employer not state that such consumer owes any debt not communicate with any such person more than once unless requested to do so by such persons or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information not communicate by card Section ( 5 ) not use any language, symbol on any envelope, or in the contents of any communication affected by the mail or telegrams that indicate that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 15 USC 1692 C ( A ) COMMUNICATION with the consumer without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent authority, a debt collector may not communicate with the consumer in connection with the collection of any debt. abusive tactics there is abundant evidence of the use of abusive deceptive and unfair debt collection practices by many debt collectors abusive debt collection practices contribute to the number of personal bankruptcies to marital instability to the loss of jobs and to invasions of individual privacy. communication and connection with debt collection at any unusual time or place or a time or place known, or which should be known to be inconvenient to the consumer in the absence of knowledge of circumstances to the contrary a debt collector shall assume that the convenient time for communicating with the consumer is after 8:00 o'clock and before 9:00 o'clock post meridiem. A debt collection agency shall not come to the consumer or call to the consumers place of employment especially when the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communications. And for these reasons under the law, you have violated my rights several times. I've never had any contract or have NEVER done business with your company, nor will I ever do business with your company, I ask that you validate this dept I need the date and time this account was opened, all documentation concerning this account, any signatures in my specific hand writing the date closed and the date that this account was charged off also I didnt give you my express written permission to contact the credit bureaus about this account under the FCRA 15 USC 1681 A ( 4 ) THERE IS A NEED TO INSURE THAT CONSUMER REPORTING AGENCIES EXERCISE THEIR GRAVE RESPONSIBILITY WITH FAIRNESS, IMPARTIALITY AND A RESPECT FOR THE CONSUMERS RIGHT TO PRIVACY 15 USC 1681 A permissible purpose of Consumer Reports and the general subject to subsection C any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instruction of the consumer to whom it relates. collectors are not allowed to contact third parties to discuss a debt unless they will give him express consent by the debtor the only reason they may legally contact a third party is to attempt to locate the individual who owns the payment they may also not contact repeatedly or harass these third parties you guys at source receivables management are in clear violation of my rights as a consumer I gave no written instruction two you guys to write anything on my credit report therefore you have 5 business days from the receipt of this affidavit to remove any remarks that you have put on my credit report and delete it expeditiously if you do not remove any remark that you have placed on my consumer report you will have to pay me {$5000.00} for not following the instructions in this affidavit and within those five business days I expect to receive all the documentation regarding this account which is clearly not mine 18 U.S.C 8 OBLIGATION OR OTHER SECURITY OF THE UNTIED STATES DEFINED The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 15 U.S.C. 1666b timing of payments ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. In truth XXXX XXXX XXXX have never received any statement in paper I always needed to request a statement and it would be sent electronically through email. ( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. There is no such thing as a late payment, the laws are clear on this! 15 U.S.C. 1666d treatment of credit balances. Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account. ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the Please explain to me why I am paying for a dept that the United States has already paid as my trustee? I am requesting a full refund on any balances owed for the company 's listed and this affidavit I'm also requesting {$1000.00} for each violation set forth and this affidavit source receivables management must pay for every violation of my rights enclosed is the invoice and to send the money for every violation under the fair credit reporting act all balances for any of the companies listing should be returned to me via check to the address listed 15 U.S.C 1692j furnishing certain deceptive forms. ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( c ) LIMITS ON REUSE OF INFORMATION Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. ( d ) LIMITATIONS ON THE SHARING OF ACCOUNT NUMBER INFORMATION FOR MARKETING PURPOSES A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. ( e ) GENERAL EXCEPTIONS Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; 15 U.S.C 6803 Disclosure of institution privacy policy ( a ) DISCLOSURE REQUIRED At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution ; and ( 3 ) protecting the nonpublic personal information of consumers. ( b ) REGULATIONS Disclosures required by subsection ( a ) shall be made in accordance with the regulations prescribed under section 6804 of this title. ( c ) INFORMATION TO BE INCLUDED The disclosure required by subsection ( a ) shall include ( 1 ) the policies and practices of the institution with re spect to disclosing nonpublic personal information to nonaffiliated third parties, other than agents of the institution, consistent with section 6802 of this title, and including ( A ) the categories of persons to whom the information is or may be disclosed, other than the persons to whom the information may be provided pursuant to section 6802 ( e ) of this title ; and ( B ) the policies and practices of the institution with respect to disclosing of nonpublic personal information of persons who have ceased to be customers of the financial institution ; ( 2 ) the categories of nonpublic personal information that are collected by the financial institution ; ( 3 ) the policies that the institution maintains to protect the confidentiality and security of nonpublic personal information in accordance with section 6801 of this title ; and ( 4 ) the disclosures required, if any, under section 1681a ( d ) ( 2 ) ( A ) ( iii ) of this title. ( d ) EXEMPTION FOR CERTIFIED PUBLIC ACCOUNTANTS ( 1 ) IN GENERAL, the disclosure requirements of subsection ( a ) do not apply to any person, to the extent that the person is ( A ) a certified public accountant. ( B ) certified or licensed for such purpose by a State; and ( C ) subject to any provision of law, rule, or regulation issued by a legislative or regulatory body of the State, including rules of professional conduct or ethics, that prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair, or deceptive practices to collect debts from you.
07/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	NC 270XX	Web
Source Receivables m XXXX is not an verified account it is reporting to my credit reports per US 15 1692.g The debt collector must provide the consumer with certain basic information. If that information was not in the initial communication and if the consumer has not paid the debt XXXX days after the initial communication, the following information must be sent to the consumer in written form : The amount of the debt ; The name of the creditor to whom the debt is owed ; Notice that the consumer has 30 days to dispute the debt before it is assumed to be valid ; Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment ; and I dont recognize this account it is reporting on my credit I dont recognize the the account number I dont recognize the account status I don't recognize the account balance I dont recognize the late payments associated with this account and everything reported here does not meet the FCRA you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the XXXX XXXX data field for-matted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse re-marks : DEFICIENT of compliant reporting and demands for you to become suitably and substantially compliant to your requisites of mandated reporting laws and truthful, correct, complete, and timely submission of adequate full information of alleged derogatory nature ( s ) in the XXXX XXXX data field formatted reporting regulatory standards REQUIRED of you and ANY ENTITY related to any consumers credit report profile or the transfer or use of it. This is a COMPLAINT that your alle-gations are NOT within the accepted standards of reporting law and as such you are compelled to eradicate by deletion of any adverse indicators or demonstrate physically verifiable evidence ade-quately validated claims. this declaration is a notification of my request for check of and PROOF of lawful COMPLIANCE to every and all reporting regulations, laws, and standards of practice, to INCLUDE PROOF evi-dence of you complete and irrefutably accurate and appropriate XXXX XXXX COMPLIANCE as relat-ed to each and all of the accusations of adverse account ( s ) and or aspects thereof. IT IS UNLAW-FUL to retain and or report any information NOT PROVEN COMPLIANT, NOT PROVEN TRUE, NOT PROVEN ACCURATE, NOT PROVEN COMPLETE, NOT PROVEN TIMELY, NOT PROVEN of undoubted OWNERSHIP, NOT PROVEN of undoubted RE-SPONSIBILITY, and or else wise DEFICIENT in any manner, whether known or not.It is QUITE OBVIOUS that you somehow still have unproven accusations on my credit reports and in your records allegedly of which you make in regards to these noted challenged items listed above> ( unlawfully so mind you ) .It seems to be, asininely you claim that my account ( s ) has been late on payments. This is a formal notice that your claim is being challenged as to its MANDATED com-pliant reporting and if unproven then your notification that it is irrefutably being disputed. In the very least.I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with my corresponding local state laws. Please note that I am requesting validation ; that is competent evidence of any and all calculations, accounting audits, dates, and balances as related to only the account agreement ( s ) I hold with you of which there exists a consumer-credit contract detailing my agreement with any and all terms of said proven contract alleged which additionally is unmistakeable in the bearing of my execution of lawful signature in-disputably showing that I am knowledgeable of any and all conditions of such that might have created any derogatory or non-positive reflections upon my account history. In particularly, I demand concrete and irrefutable physical evidence of any and all documented proof that I am or have ( or ever had ) been late. Please also be aware that any negative mark found on my credit re-ports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, is a violation of the FCRA and or the FDCPA ; therefore if and when you can not validate the negative remark, or produce substantial physically verifiably confirmed proof of complete re-porting truth, accuracy, completeness, timeliness, and compliance > the laws are in clarity to the facts that you absolutely must request that all credit reporting agencies display ONLY demonstrated proven compliant information to include any related to every single one even each any and or all of the still unproven alleged payment history deficiencies OR ANNUL by full deletion every allega-tion of derogatory notation and insertion of only PAID or PAYS as AGREED, NEVER LATE! Please forward to me as well as display to the consumer credit reporting agencies ONLY irrefutably COMPLIANT information as to what the account history is or remove any doubts with your sub-mission to showcase the accounts payment history as " paid or pays as agreed, NEVER LATE en-try. Per FEDERAL REQUIREMENTS upon a consumer complaint ( be it a dispute or be it a chal-lenge checking for compliant reporting ) pending the outcome of my investigation of any evidence that you submit, you are further instructed to take no action that could be detrimental to any of my credit reports.Your Failure to respond within 30 days of receipt of this certified letter and or your DEFICIENT OF COMPLIANT RESPONSE will indeed result in small claims legal action against your company at my local venue. Without hesitancy, I would be seeking a minimum of $ XXXX per infraction per reporting cycle in a suitable rectifying and remedial setting such as my local civil court ( which undoubtedly would likely to be in my favor ), and or even whatever other minimum monetary awards additionally I might be then rendered due to your deficient of compliant reporting ( or lack of proof of deficient reportings ) as is mandated by my States laws as well as the federal regulations such as is described with the regulatory and obligatory statutes such as the FDCPA, FCRA XXXX my States credit reporting codes or else wise to include the requisites to have on-ly true, correct, and complete recordings in utilization of the XXXX XXXX data field formatted reporting regulatory standards. As is within my consumer and civil rights to do so, I hereby enact my right to compel you by demand to please annul via full deletion/removing of every single one even each any and all of the unproven derogatory allegations of MY ACCOUNT or any aspect of adverse notations that is deficient of demonstrated evidence of certified compliance to adequate lawful and ethical reporting. LET IT BE CLEAR that I am NOT in dispute to the ownership nor responsibil-ity to this account of MINE, however if you are unable or unwilling to present the mandated prova-ble documents as to the full truth, accuracy, completeness, timeliness, and otherwise compliance of HOW REPORTED and HOW utilized, then you must per law eradicate any and all negative as-pects.It is my request that you RETURN to or RETAIN federal COMPLIANCE and accurate re-porting with your willful display of the accounts history as being PAID/PAYS as AGREED -- NEVER LATE. Any other notation is possibly refutable or even unlawful chichanary-led subter-fuge which might be deemed an illegal infraction that creates potential unjustified consumer injury to which is OBVIOUSLY a SEVERE infringement of any reporting ethics and standards of law. Today, even right NOW and right here I suggest you remove any violation-laced behaviors on your part with you immediate submission to my request via this complaint in writ composition. Please forward me notification that you have communicated with the consumer credit reporting agencies and have, without any delays, directed each to eliminate any and all adverse remarks and further to display PAID or PAYS as AGREED, NEVER LATE!. Any other response on your part is INSUFFICIENT to responsible reporting and would be deemed an act of aggression, be it an unlawful one. In genuine sincerity, XXXX XXXX
03/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 44122	Web
To whom it May concern, This debt is not owed by me and XXXX has illegally slam me into scene of making money off of people by lying to them about the billing and service and discounts, etc. I been living the XXXX nightmare for 5 years, they lie to you to get into a contract, lie to you about moving your system for free, and bounce you around from department to department in the effort to tire you out from getting a solution, every rep see the problem but no one has the authority to fix or that is what tell you, I have spent countless hour on hold, just to have my call drop or let on hold until my phone dies, then another collection call the next day to kick off the whole scenario again the next day. No resolution, then they pass you off to an collection agency because they sale the debt and lie to be someone else problem. Around XX/XX/XXXX I was XXXX sales rep knock on my door at my townhouse at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, He inform me I qualified for a free home alarm system, I told the rep, that I was planning on moving and did see a need to have a system install at my townhouse, the Rep said it was total free and I could move the system for free to my new resident. I agree to have the system installed. On the day of installation a new guy shown up and we walked the town house looking at point entry and he inform me that the system will now cost me {$1200.00}, I said I thought it was free and he said only part of it was, but I will need more equipment then the special offered, I said the the guy did tell me that, after a few back and forth relentlessly I eventually gave in because the guy had already punch a hole in my wall for the keypad. At the end of that day I was out {$1200.00} and on the hook for {$60.00} a month monitoring charge paid via my debit card. Three month later I called the same guy who installed my system and told him that I was had a new home and I needed them to move the system for free like they promised, he said okay and transfers me to the moving department, they set-up a date to come and install. On the date of uninstallation a new guy shows up and only takes down my door sensor and place them in a zip lock bag and then hand them to me and tell me to take them with me to the new house, I asked about the door camera, smoke alarm, and keypad not being uninstalled, he said oh they would replace them at the new house free of charge along with the sensor he gave me, it seem weird so I called the install guy back and he said yah the would so, I followed their instruction. A few weeks later my install at my new home happen, another new guy showed up to install the system. I walked him around show him where I wanted the new keypad as well as gave him the sensor for the old home. The guy goes to work, once again punch holes in the wall right off the back, after he has punch holes in my wall He then inform me that those sensor that I just brought 3 months ago along with the smoke detector, door bell camera and keypad would not work in my new home because he was given me a new keypad, so at this point the {$1200.00} equipment is I just brought is garbage, so of course I m in rage, the then tell me that he would discount the new equipment for me to re-coup the {$1200.00}, then price the new system at twice that amount {$2400.00}, he said not to worry because half of that would come back to me, I wrote him a another check for XXXX and the additional XXXX was supposed to be added to my monthly payment of {$60.00} once they credit me the {$1200.00} back from the old equipment or at least thats the lie he told. Once the system was installed, XXXX started drafting payment from my bank account of {$89.00} dollar supposedly for monitoring service and balance of install product. 10 months later I discover they were charging my bank account the {$89.00} as mentioned above + plus {$60.00} for a monitor service from the old town home they move me from. Upset I called XXXX and go the run around for another 5 month, finally I got them to stop charging me for the monitoring system on the old town home and they said they was going to reimburse me the fee for the over charging, I never go and reimbursement and when I called back they told me it was applied to my account, so I am thinking they applied that against the residual of the new equipment, my monthly payment went to {$60.00}, everything finally okay or at least I thought. A year and half later I got an promotion and had to relocate to Ohio, I had place my home on the market and was in the process of moving when I got a call from a Guy named XXXX, he inform me the he was the district GM and he saw that I was selling my home and was inquiring what was I going to do with the XXXX system, I told him that I didnt know because I had not secure a new home and would be living in a rental for some time before I would purchase a new home. He said, he could help me out, if I left my current system in the new home with a contingency to the new home owner to take the system in the sale of the home and agreed to have XXXX as their monitoring service, he would give me a new system free on charge in my new home once I got it all I need to do was pay a monitoring fee. Sadly to say I agreed as I really did have anything to do with the equipment. Upon the selling of the home the buyer agreed to the XXXX term and on the day of closing everything was switch over to him or at least I thought. Approx. a month after closing the sale of my home in XXXXXXXX XXXX I started receiving collection call from XXXX, surprise I explain to the representatives That I no longer own the home or the system it was turned over the new buyer. She informs me I could do that, I told I didnt the XXXX general manager XXXX did that, we went back and forth for days, Finally I reach out to XXXX XXXX XXXX XXXX what had happened, he told me he would check into and give me a call back, he did and explain something to the fact of it was an error and it was showing I owed because I have had the new installation in the new home that we had agree on a few month back, he said not to worry about and to give him a call once I got into my new home. In XXXX of XXXX I purchased a new home at XXXX XXXX XXXX, XXXX XXXX, Ohio XXXX. I called XXXX up and he had everything set-up for installation, on the day of installation the installer came out and hook everything up, new equipment the whole 9, I did not have to pay not XXXX XXXX I only had to put my debit card on file for the monitoring service. From XXXX to about XXXX of XXXX everything was great. In XXXX I stated receiving collection call saying I owed {$5000.00}, for what I still dont know, any way I tried to get whole someone this time they started to pass me around from department to department, everyone could see the problem but no one could fix it, this went on for a few month until the sold the account to Source receivable management. Over the course of 5 year I have brought at lest {$3600.00} in equipment which is unless and pay a XXXX XXXX month fee, I have no clue where the double billed error reimbursement, but there is not possible way after all of that I owe them anything, they force the cancellation of the new system monitoring, then added all the old garbage back to my account then ignored me, then charge me an cancelation fee, what did I cancel
03/27/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 27617	Web
Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. Furthermore, as victim of identity-theft I received notification that my personal information was compromise in the several different data breaches. It has made it difficult to resolve this matter in a timely fashion. I have made several attempts to resolve this. If action is not taken to properly assist me with this matter within 15 days. I shall file a class action lawsuit for violating the FCRA and FDCPA violations are as follows not limited to reporting inaccurate information, reporting information that resulted from crime ( s ) and/or crime ( s ) of identity-theft, unlawfully collections of debt, calling after designated hours by law, defamation of character, and misrepresentation of true credit worthiness. I ask that all fraudulent information listed below be removed without question. I have fraudulent accounts, employers, misspellings of my name, and address that are associated with crimes that were committed against me. Once deleting all fraudulent information, you acknowledge that it is indeed fraudulent and resulted from crimes of identity-theft. By doing so you adhere to the FCRA that make it unlawful of any, some, or all information to be transferred, sold to another collection agency or reinserted one 's credit report once it is deemed as fraudulent. You also understand in order to reinsert information to a consumers credit report notification must be given 5 days prior to reinsertion. Failure to comply will also be a violation of the Federal Fair Credit Reporting Act and Fair Debt Collection Practice. The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of a such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files. 1. SOURCE RECEIVABLES MANAG bal. {$1500.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity-theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity-theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
01/16/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	ME 043XX	Web
Hello source receivables management Open an account on my credit report as a collection for XXXX XXXX cell phone number one I was never sent any form of a 30 day notice which is a huge violation of the fair credit reporting act and the fair debt collection practices not to mention re-aging of credit by altering opening dates because of the fraudulent information on the account in question in general on XXXX behalf, The very first collection XXXX ever opened on me they all put it on me in less than three weeks and we having their service because they try to charge for a full month of service when I had them for less than two weeks, I reported them to the XXXX XXXX XXXX theyve been retaliated against me and took that collection on me very collection that I was replied to buy that company when I submitted the complaint to you guys from XXXX XXXX XXXX who had never sent me a 30 day notice either but they knew they were a XXXX XXXX and that collection company removed it another company was going to sign the debt with a re-aging oh that was on their behalf to and that was called XXXX XXXX XXXX Who denied any wrongdoing whatsoever and basically told me I can make up stories if I want to when I had proof of it because the very first collection they took out on me when I had them for less than three weeks worth of service magically that collection that was opened on me less than a month of having them include charges all the way up to XX/XX/XXXX, since day one they have committed fraud perjury theft attempted theft de framing and attacking my credit report, each time they put it back on my report they change the opening date, they change the very first opening date of the very first collection they took out on me for that account in the first place because it was pretty obvious that when they open an account collection on me in XX/XX/XXXX when I switched to them in XX/XX/XXXX they included charges up to XX/XX/XXXX and they knew that I had that evidence which I still have to this day, so each time they open a new one they change the opening date which is called reagent credit because they are altering the information and creating theft fraud and embezzlement and antagonizing me and trying to belittle me and harass me and threaten me, when I contacted XXXX multiple times about the fraudulent that they continue to hang up on me or reject my calls and they blocked my email address because theyre so grown up knowing that theyre full of XXXX, for the newest collection on my report source receivables management no 30 day notice was ever sent they simply put it on my credit report huge violation of the fair credit reporting act and the fair debt collecting practices Not to mention the fact that stated that they altered the original opening date refused to comment when I called and I was told oh well even if its fake if you dont pay us will see you so they threatened me and I know damn well they cant threaten to sue me especially for debt not old because of fraud and attempted theft as well as violations of the fair credit reporting act and fair debt collection practices on both sides of XXXX source receivables management XXXX XXXX XXXX and XXXX XXXX XXXX all involved in this entanglement embezzlement fraudulent activity harassment and discrimination against me that I will XXXX sue the XXXX out of them for,?Not to mention the fact that stated that they altered the original opening date refused to comment when I called and I was told oh well even if its fake if you dont pay us will see you so they threatened me and I know damn well they cant threaten to sue me especially for debt not old because of fraud and attempted theft as well as violations of the fair credit reporting act and fair debt collection practices on both sides of XXXX source receivables management XXXX XXXX XXXX and XXXX XXXX XXXX all involved in this entanglement embezzlement fraudulent activity harassment and discrimination against me that I will XXXX sue the XXXX out of them for, XXXX continues to try to say that in the first place that I had owed for five devices when I bought two out right the first day I switch to them, they also stated in numerous attempts to collect a debt to me that I never put any money down upfront to switch kind of funny how I have a receipt that states that I put $800 down in cash and over $100 on my wifes debit card so I have the evidence of the fraud the attacks on me the threats everything including the fact that every time they sell it to a debt collector they refuse to send a 30 day notice to validate the debt which is a huge violation of the fair credit reporting act and the fair debt collection practices they simply want to keep listing XXXX on my credit report and refused to give me a chance to fight it, XXXX also claims that I physically canceled the account myself in XX/XX/XXXX0 kind of funny how I switch cell phone providers when they started this XXXX in the middle of XX/XX/XXXX and how the first collection was opened on me in XX/XX/XXXX but included future charges all the way up to XXXX, this is nothing more than a retaliation against me for reporting them to the XXXX XXXX XXXX for attempted theft and trying to XXXX with me, they state that I as I said that I said I close the account in XX/XX/XXXX when I switched cell phone providers in middle of XX/XX/XXXX when all this started they shut the service off on My phone kind of hard how I was still being charge for service till XXXX XXXX whatever lie they want to say but I have the evidence that they charge me all the way to XXXX but yet I close an account at something that they shut my service off on in XXXX when they started this was the very first collection shows that they opened it on me when I didnt have them for a month but yet charges all the way up to XXXX to XX/XX/XXXX including the collection open less than a month of having a service that was a straight up retaliation because they got caught and they reported them and they didnt like the outcome, they also sent me a letter with her admitted that they are on location stores were basically storing or stealing peoples information, if you can I would like to have an attorney assigned to my case and I want to sue the XXXX out of these XXXX XXXX XXXX and then I want to bury them in their own XXXX.
12/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 752XX	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1 .SOURCE RECVB bal. {$1800.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
10/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 23321	Web	Servicemember
Request for VALIDATION, NOT Verification XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, VA XXXX XX/XX/2023 Sources Receivable Management XXXX XXXX XXXX XXXX, NC XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to responses sent to me from your company, via the Consumer Financial Protection Bureaus portal, and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Your response to me, on XX/XX/ is below : Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. Per FDCPA, prior to initiating any collection or reporting action, I was supposed to receive a letter including the following : - Statement that the communication is from a debt collector. - My name and mailing information. - The name and mailing information of the debt collector. - The name of the creditor alleged debt is owed to. - The account number associated with the alleged debt. - An itemization of the current amount of the alleged debt that reflects interest, fees, payments, and credits. - The current amount of the alleged debt when the notice is provided. - My right to dispute the alleged debt within 30 days of the receipt of letter. In violation of FDCPA and FCRA, this notice was never sent to me, eradicating my right to dispute, and negative, invalidated information was illegally put on my credit report. The only thing Sources Receivable Management provided to me was a written synopsis of an alleged debt, on the CFPBs website, which legally, bears no weight nor establishes any credible proof that I have any legal obligation to pay Sources Receivable Management. At no point in time, did I enter into any contractual agreement with Sources Receivable Management or any company Sources Receivable Management claims to represent. The link provided by Sources Receivable Management, XXXX XXXX XXXXXXXX is inoperable and results in a non-existent page, when clicked on. Additionally, the directive that a t-mobile fraud packet and police report has to be filled out, is inaccurate. Per 1006.18, a debt collector must not use any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. To be clear, this is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay Sources Receivable Management what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that as your office has reported invalidated information to all of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action constitutes fraud under both Federal and State Laws. Due to this fact, if any negative mark/account continues to remain on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any continued action occurs, which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the XXXX major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you ensure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX XXXX
04/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30318	Web
THE REPORTING OF ACCOUNT # XXXX IS INACCURATELY REPORTING ON MY CREDIT PROFILE FOR SEVERAL REASONS. 1. ) THE ORIGINAL DEBTOR ( XXXX ) MADE AN ERROR IN REPORTING AN AMOUNT OWED OF {$370.00} FROM A PHONE THAT WAS RETURNED IN XXXX. IN XXXX I HAVE MADE SEVERAL DISPUTES WITH ALL THREE CREDIT BUREAUS AFTER BEING NOTIFIED OF THIS DEBT FROM THE INITIAL DEBT COLLECTION AGENCY BY THE NAME OF XXXX XXXX REFERENCE # XXXX I'VE ALSO DISPUTED THE VALIDITY OF THIS DEBT COLLECTION BY SENDING AN EMAIL AND CERTIFIED LETTER TO THE INITIAL COLLECTION AGENCY IN XX/XX/XXXX AND XX/XX/XXXX, XX/XX/XXXX WITH AN EMAILED CORRESPONDENCE FROM XXXX CUSTOMER SERVICE CONFIRMING A CREDIT RECEIPT WAS MADE ON MY ACCOUNT FOR {$370.00} RESPECTIVELY.. IN XX/XX/XXXX IVE AGAIN REPORTED THE INACCURACIES OF THE DEBT TO ALL THREE CREDIT BUREAS, ONLY TO NOTICE AN UPDATE THAT THERE WAS A CHANGE IN THE REPORTING ( COMPANY NAME TYPE- CHANGE, NEW DEBT COLLECTION AGENCY ) BY THE NAME OF SOURCE MANAGEMENT NOW REPORTING ON MY CREDIT REPORT, WHICH IS NOT ONLY INACCURATE ONCE AGAIN AS THE PHONE WAS RETURNED AND A CREDIT WAS MADE BY XXXX, BUT WEIRD BECAUSE THIS COMPANY ( NEVER ) SENT ME A WRITTEN NOTICE IN XX/XX/XXXX AS INITIALLY SHOWING AND APPEARING IN THE REPORT PROFILE AS OF XX/XX/XXXX AS SUCH THE FIRST TIME APPREARING ON THE CREDIT PROFILE UNDER SUCH NAME. 1006.6 VIOLATION IVE DISPUTED THE VALIDITY OF DEBT AND REQUESTED ( PROOF ) VERIFYING THE DEBT IE ANY SUPPORTING DOCUMENTATION THAT SUBSTANTIATES THE FACTS AFTER APPEARING ON MY CREDIT PROFILES FROM THE INTIAL COLLECTION AGENCY THAT REPORTED THE DEBT ( XXXX XXXX ) AND HAVE BEEN INFORMED BY ALL THREE CREDIT BUREAUS THAT THE INVESTIGATIONS CAME BACK AS ACCURATE.. STILL NO VERIFIABLE INFORMATION THAT SUPPORTS " SUCH ACCURACIES. IVE CONTACTED THE " MOST RECENT '' NEW COMPANY TODAY ( SOURCE MANAGEMENT ) FRIDAY XX/XX/XXXX AFTER RECEIVING THE LATEST UPDATE FROM MY DISPUTE STATUS FROM THE XXXX, XXXX AND XXXX TO GATHER MORE INFORMATION ABOUT THIS COMPANY AND TO INVESTIGATE WHY THEY ARE REPORTING AS A NEW COMPANY ON MY PROFILE. I ASKED THEM ( SOURCE MANAGEMENT ) ON A " RECORDED LINE '' IF XXXX XXXX SOLD THIS DEBT TO THEM, SEVERAL AGENTS INFORMED ME THEY DONT " BUY " DEBT AND THAT THEY SUPPOSEDLY SENT ME A LETTER ON XX/XX/XXXX INFORMING ME OF SUCH DEBT, ( VIOLATION OF TIMELINE TO GIVE NOTICE ) OF NEW COLLECTION VIOLATION 1006.34 SOURCE MANAGEMENT FAILED TO SEND THE NOTICE OF THE DEBT PRIOR TO REPORTING TO THE CREDIT BUREAUS ON XX/XX/XXXX TO PROVIDE ME TIME TO DISPUTE OR VALIDATE THE DEBT. THIS AGENCY ( SOURCE MANAGEMENT ) SIMPLY REPORTED ILLEGALLY WITHOUT GIVING PROPER NOTICE. THAT IS A VIOLATION!! 2 ) THE ORIGINAL DEBT FROM XXXX XXXX WAS REPORTING FOR {$370.00} XXXX DISPUTE # XXXX XXXX XXXX, XX/XX/XXXX XXXX REPORT # XXXX. WHEN I DISPUTED THESE CLAIMS WITH BOTH THE AFOREMENTIONED COLLECTION AS WELL AS THE CREDIT BUREAUS IN CONSIDERATION TO THE EXACT " ACCURATE ' AMOUNT OF THE DEBT IN QUESTION FOR {$370.00}, ALL OF A SUDDEN A NEW COLLECTION AGENCY APPEARS ON MY REPORT ( SOURCE MANAGEMENT ) COLLECTING FOR XXXX WHICH IS THE ACCURATE AMOUNT BUT ISNT VALID NONETHELESS... IT DOESNT MATTER IF THE BALANCE WAS OFF BY A FEW CENTS!! THE BOTTOM LINE IS SOURCE MANAGEMENT IS IN VIOLATION OF THE LAWS BY REPORTING TO THE CREDIT BUREAS WITHOUT INFORMING ME WHO THEY WERE, WHY THEY ARE COLLECTING AND GIVING ME AMBLE TIME ( 30 DAYS ) TO RESPOND AND PLEAD MY CASE.. THEY WAITED UNTIL PROMPTED TO DO SO ( AFTER ) RECEIVING NOTIFICATION FROM THE CREDIT BUREAUS TO SEND ME CORRESPODENCE, WHICH I CANT VERIFY RECEIPT FOR EITHER WAY. I EVEN ASKED THEM TO SEND POSTAGE MARKED DATE RECEIPT INFORMATION PRIOR TO REPORTING XX/XX/XXXX " LETTER " AND THEY WERE RUDE AND DIVERTING THE QUESTION. AND IF THEY DID SENT THE CORRESPONDING LETTER ( PROMPTED BY MY DISPUTES FROM PRIOR COLLECTION AGENCY ) IT WAS STILL ( AFTER ) IT APPEARED ON MY CREDIT PROFILE DATED ( XX/XX/XXXX ). THE SUPPOSED LETTER ( XX/XX/XXXX ) AGAIN WHICH DEMONSTRATES A TRIGGER RESPONDS FROM MY DISPUTE!!! VIOLATION 1006.38, 1006.42 .WITH REFERENCE TO SECTION 609 OF THE FCRD ACT, I HAVE REQUESTED FURTHER INFORMATION ON THAT COLLECTION OF {$370.00} INCLUDING ANY ORIGINAL DOCUMENTS CONTAINING MY APPENDED SIGNATURE AND ANY OTHER RELATED INFORMATION THAT SUPPORTS THE VALIDITY OF THIS DEBT TO THE CREDIT BUREAUS SEVERAL TIMES!!! WITH THE ONLY RESPONDS BEING " THE INVESTIGATION IS COMPLETE AND REPORTING ACCURATE ''. LOL... WHICH APPEARS TO BE AN AUTO COMPUTED AI GENERATED TEMPLATED GENERIC RESPONDS SMH!!! VIOLATION 1006.18 PLEASE REMOVE THESE INACCURIES FROM MY CREDIT PROFILES, XXXX, XXXX AND XXXX OR I WILL BE EXTENDING MY LEGAL RIGHTS TO THE FULLEST EXTENT OF THE LAWS AVAILABLE TO ME.
05/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 226XX	Web
In XXXX of 2020 I order two XXXX XXXXXXXX XXXX from XXXX I spoke with a sales representative and sign a contract for a phone plan. From the beginning XXXX advertised a 30 day money back guarantee, as a preface to these events. The charges for the phones and the monthly plan were placed on my credit card. Autopay was established by the representative to save a few dollars on the monthly bill. When the phones arrived, there was zero XXXX service at my residence. Zero bars, not even XXXX or XXXX service to make a phone call. No roaming option, nothing. This was a surprise to me as I was currently with XXXX XXXX, and in 2020 XXXX XXXX used XXXX towers for their service. The sales representative informed me that XXXX plans would be roaming on XXXX owned towers, and I would be able to use service at my residence. Remember, XXXX acquired XXXX in 2020, and had begun merging the networks in creative and different ways that first 12 months. Now, you may know, XXXX SIM cards do not work, and every XXXX customer must have a XXXX SIM card. This was not the case in XX/XX/2020. Upon this realization I called XXXX from the current XXXX XXXX cell phone and began the return process, and the cancelling my account. Here is where XXXX XXXX online ordering process misguided myself and the customer service representative and pushed me into a metaphoric twilight zone with XXXX. The customer service representative began the return process and sent me the shipping labels for returning the XXXX XXXX XXXX Within a week the phones were returned, and my payment was refunded. I was however unaware that the autopay feature to the phone plan in my name was still in effect. At the end of the month, a payment went through for the agreed upon service plan. I, of course, called XXXX and quickly found I was in trouble. They would not allow me to verify my identity over the phone without a PIN. I had not established a PIN, as you do not establish one until you activate your phones on the network. Phones are shipped with temporary phone numbers and then your number is ported onto that phone once your service has started. Remember, I had ZERO service, and was never able to activate the XXXX XXXX shipped to me. Without activating the phones, I never was able to establish a PIN for my account, verifying my identity. The only solution was going to a XXXX store in-person to show my license and verify my identify. I walked into to the closest store, 30 mins from my residence and left an hour later with the promise this was taken care of and I would see a refund. The next month, however, another monthly payment went through on my credit card for the XXXX cell phone plan I never used. Zero bytes of ones and zeros passed through the airwaves in conjunction with this plan, zero. I called XXXX and was presented with the same situation ; they could literally not access any information about me without a PIN. I was frustrated and considered how to move forward. First, I had to stop these transactions. I called my credit card company and had them block all future XXXX transitions, explaining the situation to them. I asked for the two monthly payments to be reversed as well, totaling {$280.00}. I then went back to the XXXX store in-person and explained the situation again, and the worker was very sympathetic and helpful. My account was successfully closed. However, XXXX considered the account closed with a negative balance of {$280.00}. They did not close the account properly, nullifying the two monthly charges that my credit card company, XXXX at that time, reversed. I received a bill for an outstanding, {$280.00} from XXXX a month later. I called, and they could not access my account, surprise, surprise. I then proceeded to the local XXXX store for the third time in 3 months to solve this issue. It was unresolvable. They could not access the account anymore, could see nothing about the money owed. I was exacerbated. For the past 30 months, XXXX has harassed me through different debt collectors for {$280.00}. Out of principle, I have not paid a XXXX. I have spent over 30 hours on the phone or in person with XXXX customer service and now my credit score has a derogatory mark, affecting my financial reputation and ability to secure rates that reflect my financial history and responsibility. It is my only derogatory mark. There is now more than emotional damage done by XXXX and the debt collection agencies they contracted, there is financial damage done to me and my family.
08/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 34953	Web
THIS COMPANY CAN NOT AND HAS NOT produced me my original bill from the original creditor they purchased my debt from and because of that they must to cease all collection efforts and remove this account from my credit report. REMEMBER I AM REQUESTING VALIDATION, NOT VERIFICATION!! This COMPLAINT is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.
06/21/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 027XX	Web
To Whom I t May Concern : Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request tor VALIDATION made pursuant to the above-named Title and Section. I aggressively request that your company provide me with physical evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau 's, XXXX, XXXX or XXXX, this action might constitute fraud under both Federal and State Laws. Due to this fact, if any derogatory mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. In the event you continue your collection efforts against me without providing proof of contract, I may do one or more of the following : File a complaint with the Attorney General File a complaint with the XXXX XXXX XXXX File a complaint with the Consumer Financial Protection Bureau File a complaint with the Federal Trade Commission File a Police Report against your company for harassment, invasion or privacy and attempting to extort money. File a Law Suit against you for harassment, fraud, extortion, and invasion or privacy. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Thanks!
12/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	FL 33033	Web
On XX/XX/2022 Acct from ( XXXX XXXX XXXX ) was removed for inaccurate information. On XXXX XXXX, 2022, ( XXXX XXXX XXXX ) sold the Account to ( Source Receivables M ). I'm a natural person, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. The term employment purposes when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for employment, promotion, reassignment or retention as an employee. ( Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. ( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). ( D ) Automated reinvestigation system Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies.
10/31/2023	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MI 48224	Web
Account info Account name SOURCE RECEIVABLES MNGMN Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$490.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$490.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$490.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX Balance {$490.00} Balance updated XX/XX/XXXX Original balance {$490.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$490.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Payment summary Contact info Name SOURCE RECEIVABLES MNG Address XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX I just looked at my credit and was shocked to see the numerous amount of errors you have listed. I am writing to have you remove them immediately. The following account needs to be removed immediately Account Name : XXXX Account number reason pls verify and validate all data for this account, every notation, date and balances, whether reporter or not. Creditor Name : SOURCE RECEIVABLES MNGMNof Inquiry XX/XX/XXXX Reason : this inquiry was made without my knowledge or consent and I would like to be provided with proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623 if you have no proof of any or one, I would like it removed immediately. By provision of the Fair Credit Reporting Act, I demand that thes items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who posted them. Please send updates copy of my report to the above address. Sincerely thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I just looked at my credit and was shocked to see the numerous amount of errors you have listed. I am writing to have you remove them immediately. The following account needs to be removed immediately Account Name : XXXX Account number reason pls verify and validate all data for this account, every notation, date and balances, whether reporter or not. Creditor Name : SOURCE RECEIVABLES MNGMN Date of Inquiry XX/XX/XXXX Reason : this inquiry was made without my knowledge or consent and I would like to be provided with proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623 if you have no proof of any or one, I would like it removed immediately. By provision of the Fair Credit Reporting Act, I demand that thes items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who posted them. Please send updates copy of my report to the above address. Sincerely thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX I just looked at my credit and was shocked to see the numerous amount of errors you have listed. I am writing to have you remove them immediately. The following account needs to be removed immediately Account Name : XXXX Account number reason pls verify and validate all data for this account, every notation, date and balances, whether reporter or not. Creditor Name : SOURCE RECEIVABLES MNGMN of Inquiry XX/XX/XXXX Reason : this inquiry was made without my knowledge or consent and I would like to be provided with proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623 if you have no proof of any or one, I would like it removed immediately. By provision of the Fair Credit Reporting Act, I demand that thes items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who posted them. Please send updates copy of my report to the above address. Sincerely thank you
02/03/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 30052	Web
SOURCE RECIEVABLES reported a collection on my account without verifying the debt. THAT IS ILLEGAL. I submitted a letter to them to VERIFY THE DEBT. They told me that this debt was in 2019 which was 3 years ago. In the state of California the statue of limitations is 2 years. I asked them for the following to provide to verify the debt. Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us.
08/04/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33025	Web
on XX/XX/2020 a collection was placed ion my consumer credit file by the company source receivable XXXX for the amount of {$980.00}, i never received no proper documents when i asked for this company to validate this date, they have violated my rights as a consumer under fair debt collection practices & fair credit reporting act ..the list below is where this company has violated my consumers rights 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 15 U.S. Code 1692e.False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt.
06/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11236	Web
This dept collection agency is in violation of my rights as they have moved forward and with out my express permission in hand writing or in verbal context has written derogatory remarks on my my consumer report I have no contract With this agency and no connections what so ever THESE LAWS APPLY TO ALL CREDIT COLLECTION AGENCIES ALL VIOLATIONS MUST BE ANSWERED FOR 15 USC 1692 D ( 2 ) A debt collector may not engage in any conduct the natural consequence of which is to harass oppress or abuse any person in connection with the collection of a debt without limiting the general application of the foregoing the following conduct is a violation of this section. ( 2 ) the use of obscene or profane language or language the natural consequence of which is to abuse the hero or reader 15 USC 1692 b Section ( 2 ) Any debt collector shall not state that such consumer owes any debt. Identify, state that he is confirming or correcting location, information concerning the consumer and only if expressly requested identify his employer not state that such consumer owes any debt not communicate with any such person more than once unless requested to do so by such persons or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information not communicate by card Section ( 5 ) not use any language, symbol on any envelope, or in the contents of any communication affected by the mail or telegrams that indicate that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 15 USC 1692 C ( A ) COMMUNICATION with the consumer without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent authority, a debt collector may not communicate with the consumer in connection with the collection of any debt. abusive tactics there is abundant evidence of the use of abusive deceptive and unfair debt collection practices by many debt collectors abusive debt collection practices contribute to the number of personal bankruptcies to marital instability to the loss of jobs and to invasions of individual privacy. communication and connection with debt collection at any unusual time or place or a time or place known, or which should be known to be inconvenient to the consumer in the absence of knowledge of circumstances to the contrary a debt collector shall assume that the convenient time for communicating with the consumer is after XXXX o'clock and before XXXX o'clock post meridiem. A debt collection agency shall not come to the consumer or call to the consumers place of employment especially when the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communications. Cease and desist all communications with me as a consumer under my consumer rights I WOULD LIKE THE original contract for this account and I would like all information validated for this account as I do not know this account I would like all recorded information on this account I would like date, time, place where the contract was made, the signature of the person who signed the contract and any and all information that has anything to do with this account I also ask that you not contact me. I asked that you not give any third party such as credit bureaus any of my personal information as is my right as a consumer. 15 USC 6802 subsection ( A ) notice of requirement states, except as otherwise. 15 USC 6802 SUB SECTION ( A ) NOTICE OF REQUIREMENTS Except as otherwise provided in this subchapter a financial institution may not directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information unless such financial
10/12/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30542	Web	Servicemember
Request for VALIDATION, NOT Verification XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Collection Company SOURCE RECEIVABLES MNG/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX
06/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34952	Web	Servicemember
Firstly, according to 15 USC 1681 section 602 ( a ) of the FCRA, it is crucial for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumer privacy. As XXXX, XXXX, and XXXX are consumer reporting agencies, and I am a consumer, I am deeply concerned about the impact on my privacy rights and the negative consequences resulting from the reporting of this account. Furthermore, 15 USC 6801 establishes the policy that financial institutions have an affirmative and continuing obligation to respect the privacy of their customers and safeguard the security and confidentiality of their nonpublic personal information. The entity furnishing information to credit agencies, being a financial institution under this definition, is bound by this policy. Therefore, it is imperative that the reporting of this account, which jeopardizes the privacy and security of my personal information, be rectified immediately. Moreover, 15 USC 1681 section 604 ( a ) ( 2 ) restricts consumer reporting agencies from furnishing consumer reports without the explicit written instructions of the relevant consumer. It is crucial to note that neither XXXX, XXXX, XXXX nor the aforementioned entities, have obtained my written consent to furnish my personal information. Consequently, the reporting of this account is in direct violation of this provision. Additionally, according to 15 USC 6802 ( b ) ( c ), financial institutions are prohibited from disclosing nonpublic personal information to nonaffiliated third parties unless the consumer has been informed about their right to exercise the option of nondisclosure. Unfortunately, I was not properly informed of this right by the entity furnishing information to credit agencies. This failure to comply with the FCRA regulations further compounds the negative impact on my quality of life. Furthermore, 15 USC 1681C ( a ) ( 5 ) clearly states that consumer reporting agencies are prohibited from including any adverse information, except for records of convictions of crimes that antedate the report by more than seven years. However, the reporting of this account as an adverse item without my permission is a direct violation of this provision, exacerbating the harm caused by its inclusion on my credit report. In addition, 15 U.S. Code 1681s2 ( A ) ( 1 ) A explicitly prohibits the furnishing of inaccurate consumer information to any consumer reporting agency. It is essential to rectify this situation promptly to ensure compliance with the FCRA and mitigate the negative consequences that have resulted from the reporting of this account. Furthermore, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations of the FCRA, and limit the furnishing of consumer reports to the purposes listed under section 1681b. Regrettably, it appears that XXXX, XXXX and XXXX have not upheld these obligations, as reasonable procedures have not been maintained, leading to the adverse impact on my quality of life. Given the aforementioned violations of the FCRA and the considerable negative impact this account has had on my life, I urgently request that you take immediate action to remove this account from my credit report. Doing so will help alleviate the burdens I have been facing and restore a sense of stability to my financial well-being. I kindly request a written response acknowledging the receipt of this letter and providing a detailed plan of action to rectify the situation. Your prompt attention to this matter is greatly appreciated. Thank you for your understanding and cooperation. Sincerely,
03/13/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 07109	Web
Source Receivable Management claim I owe an alleged debt to XXXX account # XXXX in the amount of XXXX reference # XXXX I am responding to your response that you made on XXXX to my statement that I wrote to you on XXXX I notice you keep referring back to XXXX Terms and Conditions XXXX no longer has anything to do with this account as they express this to me over the phone. XXXX express to me they sold the account to Source Receivable Mangement but in your response on XXXX to my complaint against you on the CFPB portal on XXXX you said XXXX hired you and Source Receivable Mangement does not purchase or own any debt. You perjured yourself with a false statement on an alleged debt that you have know first had knowledge of only hearsay. You sent me a stack of unauthenticated bill statements that is not sufficient evidence of me owing this alleged debt, you said you couldn't provide me with a contract from XXXX , I wasn't asking for a contract from XXXX I was asking for a contract between XXXX XXXX Authorize Agent and Source Receivable Management or original agreement between you and XXXX with all the terms and conditions since you're the one furnishing this alleged debt to the credit reporting agencies trying to force payment. Which a contract is a covenant or agreement between two or more parties with lawful consideration, what consideration did you give me, what loss did you take. I also asked for the account ledger, a certified copy of your license including a license required to practice debt collection in the State of New Jersey, proof that the alleged debt has not already been satisfied by any means available including but not limited to, tax write-off, an insurance claim, or selling the purported debt to a third-party collector. Source Receivable Mangement created an account on behalf of me without my consent, yes you do need my consent pursuant to 15 USC 1692b which says without the prior consent of the consumer given directly or indirectly to the debt collector or the express permission of a count of competent jurisdiction, meaning you have to have my consent to furnish my information without my consent it is a violation. You are in violation of 18 USC 1028a Aggravated Identity Theft, I don't know you I have never done business with you for you to have my information. You are in violation of XXXX XXXX XXXX ( a ) Furnishing certain deceptive forms under the false belief that you were collecting this alleged debt on behalf of XXXX as if they were participating in the collection of or in an attempt to collect on this alleged debt, you furnished this information to the credit reporting agencies under the false belief XXXX were trying to collect on this alleged debt when they were not so participant. You are in violation of 15 USC 1692d Harassment or Abuse : you furnished negative information about me with the credit reporting agencies that is harm to my reputation and defamation of character, that is also advertisement for sale to coerce payment on this alleged debt. You have not supplied me with the documents I asked you for. Therefore, this is a formal notice to cease any further communications regarding this account immediately this includes but not limited to telephone calls, emails, social media, or any credit reporting agencies. Any further contact by your company except a communication confirming your acknowledgment of this notice is a violation of the FDCPA. If you do not remove this information from the credit reporting agencies, I will bring civil liability against you pursuant to 15 USC 1692k for violation of my consumer rights and defamation of character each violation is a XXXX.
06/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11236	Web
AS THESE LAWS APPLY TO ALL CREDIT COLLECTION AGENCIES ALL VIOLATIONS MUST BE ANSWERED FOR 15 USC 1692 D ( 2 ) A debt collector may not engage in any conduct the natural consequence of which is to harass oppress or abuse any person in connection with the collection of a debt without limiting the general application of the foregoing the following conduct is a violation of this section. ( XXXX ) the use of obscene or profane language or language the natural consequence of which is to abuse the hero or reader 15 USC 1692 b Section ( 2 ) Any debt collector shall not state that such consumer owes any debt. Identify, state that he is confirming or correcting location, information concerning the consumer and only if expressly requested identify his employer not state that such consumer owes any debt not communicate with any such person more than once unless requested to do so by such persons or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information not communicate by card Section ( XXXX ) not use any language, symbol on any envelope, or in the contents of any communication affected by the mail or telegrams that indicate that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 15 USC 1692 C ( A ) COMMUNICATION with the consumer without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent authority, a debt collector may not communicate with the consumer in connection with the collection of any debt. abusive tactics there is abundant evidence of the use of abusive deceptive and unfair debt collection practices by many debt collectors abusive debt collection practices contribute to the number of personal bankruptcies to marital instability to the loss of jobs and to invasions of individual privacy. communication and connection with debt collection at any unusual time or place or a time or place known, or which should be known to be inconvenient to the consumer in the absence of knowledge of circumstances to the contrary a debt collector shall assume that the convenient time for communicating with the consumer is after XXXX o'clock and before XXXX o'clock post meridiem. A debt collection agency shall not come to the consumer or call to the consumers place of employment especially when the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communications. Cease and desist all communications with me as a consumer under my consumer rights I WOULD LIKE THE original contract for this account and I would like all information validated for this account as I do not know this account I would like all recorded information on this account I would like date, time, place where the contract was made, the signature of the person who signed the contract and any and all information that has anything to do with this account I also ask that you not contact me. I asked that you not give any third party such as credit bureaus any of my personal information as is my right as a consumer. 15 USC 6802 subsection ( A ) notice of requirement states, except as otherwise. 15 USC 6802 SUB SECTION ( A ) NOTICE OF REQUIREMENTS Except as otherwise provided in this subchapter a financial institution may not directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information unless such financial
08/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 46815	Web
Source Receivables Management XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Subject : Cease and Desist Letter Account Number : XXXX Dear Sir/Madam, I am writing this letter in response to your recent communication regarding an alleged debt associated with account number XXXX. I must assert that I dispute the validity of this debt and demand that you immediately cease all collection attempts on the alleged account. As per the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my rights under the law to request that you provide proper validation of this debt. Until such validation is provided, all collection activities must cease, and no further contact should be made with me or any third parties regarding this matter. Under the FDCPA, you are required to provide me with the following information to validate the alleged debt : The amount of the debt claimed, The name of the original creditor, A statement confirming that you are authorized to collect on this alleged debt, The complete payment history of the alleged debt, including details of all charges and interest added, A copy of any written agreement or contract bearing my signature, binding me to this alleged debt, Proof that you are licensed to collect debts in the state of Indiana, where I reside, A complete breakdown of how the total amount claimed was calculated, Proof of your ownership of the alleged debt, including the chain of title from the original creditor to Source Receivables Management, The date the alleged debt was incurred, and Any other documentation that supports your claim of the alleged debt. Furthermore, I demand that you provide evidence that I gave written consent for the disclosure of my personal information to Source Receivables Management when you purchased this alleged debt. As per the FDCPA, you are prohibited from disclosing or communicating any information regarding the alleged debt to any third party without obtaining the consumer 's prior consent, which must be in writing. I am aware that Source Receivables Management does not have a license to collect debts in the state of Indiana, and your attempts to collect a debt without the appropriate license are a violation of state law. According to the FDCPA, it is unlawful for debt collectors to engage in any deceptive, unfair, or abusive practices in connection with the collection of a debt. If you are unable to provide the requested validation and evidence of my written consent within 30 days from the date of your receipt of this letter, I demand that you immediately cease all collection activities related to this alleged debt. Furthermore, I insist that you delete any negative reporting associated with this alleged debt from my credit reports with all three major credit bureaus ( XXXX, XXXX, and XXXX ). Failure to comply with this request will be considered a willful violation of the FDCPA, and I will not hesitate to take appropriate legal action to protect my rights. Please be advised that I am keeping detailed records of all communications, and any further contact made in violation of the FDCPA will be reported to the Consumer Financial Protection Bureau ( CFPB ) and the Attorney General of North Carolina. Your prompt attention to this matter is expected. I request that you respond to this letter within 30 days from the date of receipt. Failure to do so will be considered a refusal to validate the debt, and I will proceed accordingly to protect my rights. Thank you for your immediate attention to this matter.
01/09/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 442XX	Web	Servicemember
I received a letter from Source Receivables Management about debt due from an old XXXX account I had back in XX/XX/XXXX. I released the account to my father on XX/XX/XXXX, which he took over and kept for about a year. I spoke with SourceRM on XX/XX/XXXX at XXXX about this debt collection ; the representatives name was XXXX XXXX ( XXXX ). I provided proof ( via email ) that the account was transferred in an email from XXXX, which is also attached to this complaint. At the time we were talking, XXXX was not able to receive the 4 emails that I sent containing this information. So we hung up at XXXX and he said he would contact XXXX. At XXXX that same day, I receive an email from XXXX stating that he finally received the emails. He stated the following in the email, " ... This is not a letter confirmation that a change of ownership has taken place but it is a letter stating that further steps would be required to complete the ownership change ... '' The information that I sent him states that the other person, my father in this case, would be the person to take the next steps, which he did. The line XXXX was referring to actually states this, " XXXX will send an email to the person accepting ownership of your phone number explaining you successfully submitted your request to transfer the line to them. '' This means that the change of ownership email was sent to him, not me. The following are the order of events on XX/XX/XXXX : 1. XX/XX/XXXX at XXXX, I received an email from XXXX stating that he needed me to sign onto the account and go to the " Change of Ownership '' tab to give him the account. At this time he was in a XXXX store and this is what the XXXX associate stated. I immediately logged into my old XXXX account to perform this action and gave him ownership. 2. XX/XX/XXXX at XXXX, I replied to his email to tell him that I performed the action required to give him ownership. 3. XX/XX/XXXX at XXXX, I received the email from XXXX that the Change of Ownership was completed. 4. XX/XX/XXXX at XXXX, XXXX completed the account transfer to his name. I received an email at this time from XXXX showing that activity occurred on my old XXXX account with his phone number ( the email also shows that they are sending it to " XXXX '' and not " XXXX. '' This is because he did not complete his profile setup with his personal email address ). 5. At that point in time, XXXX has ownership of the account. I replied back to XXXX with the above information and any required emails for evidence. XXXX replied back and stated this, " Basically this now appears to be a matter between the other party and you. '' This is not a matter between me and the other party, or me and SourceRM, or me and XXXX. I do not own the account and I have provided sufficient evidence showing that a transfer was completed and I am starting to feel that this is predatory debt collection practices. SourceRM has NOT provided any proof from XXXX for me to review, the only information they provide is that they " talked with XXXX, now give us your money. '' I am not SourceRMs debt collector so I will NOT be contacting the other party on their behalf. I have offered to settle the account ( granted it was a very low offering ) just to get it off of my credit report and close the account. This is still on my credit report and is causing damage, SourceRM needs to do the needful by closing this account, removing it from my report, and to stop contacting me.
04/26/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 754XX	Web
In XXXX of XXXX we switched our wireless provider from XXXX to XXXX XXXX XXXX. In doing so we then returned the 3 devices and an ipad back to XXXX using their mailing coupons that they provided, and later came back and stated that we did not return them, and I needed to provide them with the tracking number. I stated to them that they are the ones that provided the mailing labels. A few months went by and since I and XXXX could not come to a reasonable final billing they turned my account over to a collection agency. I was contacted in XXXX regarding this debt at which time I stated that I did not owe for the phones and was NOT paying that amount but would make good on the final bill. Thus said, XXXX, XXXX XXXXt XXXX agreed to a settlement of {$1500.00}. Allowing me to make 4 payments of {$370.00}. My first payment was made on XX/XX/XXXX, 2nd payment was made on XX/XX/XXXX and XXXX payment was made on XX/XX/XXXX, However, my 4th and final payment was not processed by XXXX due to XXXX recalled the debt, to which I did not find out until XXXX of XXXX. I called XXXX to inquire about this and they kept saying I had a final billing of {$1800.00}. I explained that I had made my payments as promised to the collection agency in which XXXX says, they no longer have the debt. I hung up disgusted as after many, probably 25 plus phone calls to XXXX to try and settle this matter, which were all ditched efforts, I gave up. I was contacted 2 weeks ago from a new Collection agency that XXXX has hired Source Management, to which they are now claiming that I owe XXXX {$1000.00}. I stated, " I do not owe that amount I have already tried to rectify this with XXXX and that obviously XXXX has not given them the correct records, and tthhat I would contact XXXX. I was called again today by Source after me trying for the last week to speak to someone at XXXX that speaks in English or at least someone I could understand and GOT NO WHERE ... .I explained or tried to explain to Source Management that I do not owe that much and I had a settlement with a previous collection agency and XXXX recalled the debt before the last payment was processed. The representative from the collection agency XXXX was extremely rude and did NOT have her facts together at all. I then demanded to speak to a manager. Once I spoke to the manager, still not getting anywhere I disconnected the phone, called XXXX again, and stated my whole case again, for some strange reason I was disconnected and then attempted to call back 4 different times and put on long holds only to be told I had to call this new collection agency to settle the {$1000.00}. If anything at all I only owe the last payment of {$370.00} that was never processed by XXXX prior to XXXX recalling the collection attempts in order to try and resell the debt to collect more money. this matter has already been turned over to CFPB when XXXX had it due to XXXX would not remover the remark. At that point when CFPB contacted XXXX and the remark was removed from my credit report along with a letter from XXXX that the account had been settled in full. I tried to explain this to Source, but to no avail, uneducated employees that do nothing but call people and speak to them using scare tactics and deceptive debt practices to which is against the law is all you get from these folks. The debt was cleared by XXXX.
06/17/2018	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	NY 11212	Web
I left XXXX and moved to XXXX in XX/XX/XXXX. I was informed by XXXX that they would pay for my termination fee. Months later I received a call from Source Receivables Managment collection agency you informed me that the debt got transferred from XXXX to themselves. I explained to them that I would reach out XXXX as they had stated that they would cover the cost of my termination. My husband, a XXXX employee, contacted them and we resubmitted the requested information. On Monday XX/XX/XXXX a representative from Source Receivables Managment collection agency contacted me in regards to the balance and proceed to offer a settlement of {$150.00}. I was truly baffled as I thought this situation was already taken care of. I informed the Representative that I would need to call XXXX and ask him to call me back the following day. The Representative stated he would be out of office but he could call back Wednesday XX/XX/XXXX. That same day my husband contacted XXXX and explained what happened and they were able to resolve the issue. XXXX apologized for the inconvenience and issued a {$200.00} payment to myself that would be available in 10-15 days. On Friday XX/XX/XXXX I received a missed call from Source Receivables Managment collection agency. I returned the call and a male Representative, who I later found out to be a supervisor answered. He proceeded to berate me about my non-payment telling me, " Oh come on you have money, you pay bills, you eat, you have a cell phone. How are you living? '' When I tried to explain that my husband pays our bills and that I was able to secure payment for the bill he exclaimed " I don't care you need to pay us now, and you could do whatever you want with the money when you get it. '' He insisted that what I was telling him were lies and kept asking me personal questions about my finances. Prior to hanging up the phone on him, I informed him that he was rude and this tactic was appalling. I immediately called back to report him, a young woman named XXXX picked up and transferred me to a man I came to learn was XXXX XXXX. I explained to him what happened and he said " We like to tell people the truth and chances are you have money. My bet is that since this is from XXXX XXXX will not pay and you need to pay us now. '' At this point I felt truly insulted but I still tried to explain to him what had happened. I felt accosted by what he was saying and how he treated me over the phone. Realizing that he was just as or worst than the initial Representative, I asked for his name and informed him I will make a formal complaint and hung up. I have done my due diligence and kept this company updated every step of the way. Payment issued by XXXX can only be used for the purpose of paying the previous phone company. Me paying this agency and then getting payment from XXXX would be null and void. I would not be able to use the monies issued to me. I never intended on evading payment I knew that I would eventually receive payment from XXXX so I just kept pursuing that route. I do not believe that verbally attacking me and asking very personal question is any way for a company to act. It is unprofessional and unbecoming. I will pay them once I receive the payment from XXXX but at this point I feel violated and uncomfortable calling this company. I want no further communications with them.
02/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78589	Web
On XX/XX/XXXX, I noticed some incorrect information on my XXXX account regarding two debtors. I contacted them both via USPS mail. On XX/XX/XXXX, I received correspondences from one of the debt collectors in which I have provided a copy of a true and accurate document sent to myself by the debt collector ( SRM ). I am arguing the amount and account opened under my name. I do not own this debt. I have also attached a copy of the letter I sent to both debt collectors in response to the discovery of the incorrect information on my file. The debt collectors have posted negative reporting 's on my credit report and have had attorney firms contacting me since then. report I was contacted by debt collector ( s ). I then filed dispute with XXXX. They have not investigated, but did update information. I have sent a letter to the debt collector in regards to asking for validation for debt. I have not received information requested. I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information and accounts that are Un-verified. Accordingly, to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly delete all information that is inaccurate, incomplete or can not be verified. As I am POSITIVE you are aware, as an injured consumer, UNJUSTLY MIND YOU.I am lawfully within my consumer rights to ask for any and all of the above and below demands under the terms of the fair credit billing act of 1975 FCBA As the OFFICIAL notice of my official writ composed DECLARATION of not proving compliant misinformation that is either or all of the following. You must ANNUL BY REMOVING of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account. PLEASE as you MUST, delete the foul miss reporting and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : Notation : Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true and correct, complete, timely if known ownership and responsibility but also fully XXXX XXXX complainant. Provider Claims, Late Payment yet NOT PROVEN even the compliance of its reporting much less any aspect of determined truth of facts otherwise required by obligatory regulations. As such, I demand evidence of XXXX XXXX compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY or otherwise, irrefutable compliant, obligatory and regulatory requisite compliant reporting, thereby mandating your immediate actions to rectify and remedy, and any all in fraction-ious behavior ( s ) by retaining, or returning to DEMONSTRATED, TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX data field formatting reporting! PLEASE ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE unless you can document this NOT to be CORRECT, and determine factually, and in entirely that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands!
09/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WI 53403	Web
In the XX/XX/XXXX I became aware of a debt collection effort by a firm called " XXXX XXXX '' which was reporting an outstanding debt in the amount of {$4200.00} for services from XXXX, on an account opened XX/XX/XXXX. I became aware of this information as I was in the process of refinancing my home. I contacted the credit reporting agency " XXXX '' to followed up on this matter. I learned of the reporting part and contacted them " XXXX XXXX '' : They informed me the debt was ultimately being reported because they could not locate the individual, and no payments had been made. The address provided to XXXX was apparently invalid. It also had not association with me. I freely provided this agency my address and confirmed my social security number. The firm informed me the social security number associated to the account, was a match and the basis of their reporting. I informed them I have never had a XXXX account nor resided in MN ( where account was opened ), and that XXXX and their firm was dealing with a matter of fraud by the person or persons who purchased this equipment and services. I had no knowledge of the debt, and only became aware of the negative credit reporting due to my refinancing. The confirmation of the social security number was the only basis to associate to me, and they would not remove or stop reporting, even as they knew all other pieces of information in their possession was clearly falsified- grossly unfair. I contacted my family Attorney, who engaged in the matter, and I filed a dispute with XXXX credit services Report # XXXX. I followed the instructions of my attorney completing any needs forms and or reports. On XX/XX/XXXX, XXXX reported that I had prevailed in the matter, and the item was removed from my credit report. However, on XX/XX/XXXX, I learned another firm now called " Source Receivables Mng '' started reporting collections and negative credit information as of XX/XX/XXXX, again in the amount of {$4200.00}, with the original creditor of XXXX. I immediately submitted another dispute XXXX. These collections are clearly the same debt, with sprint and its collections firms failing to communicate the status of disputes and their resolutions, subjecting me to ongoing unfair negative credit reporting and damages. Further, it appears, Source Receivables only engaged a few days before the original dispute was due to be resolved. I now see that my attorney has been in communication with " Source Recievables Mng '' since inception of this dispute but in fact the dispute was never moved to " source Recievables Mng ''. I can not speak of the reasons for XXXX XXXX/Source Recievables transferring of accounts, and XXXX reporting of the matter. I can clearly state this is the same debt, and the same fraudulent matter. Further, it is completely unfair for credit agencies and collection firms to be allowed to report on a single piece of collaborating information - especially when they freely admit, they have conflicting pieces of information and know they are victims of fraud. All they are doing is extending the damages of theft upon innocent victims. Rather, phone companies like XXXX, need to take positive steps to confirm consumer identity.
05/28/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 754XX	Web
I have received multiple phone calls as well as have spoken to Source regarding XXXX stating that we still owe them money. This was on XX/XX/XXXX. I called XXXX and they assured me that they would investigate this and give me an itemized bill and I still do not have one. I have sent all devices back with their own mailing labels and have advised SOURCE of this as well. I was sent a letter on XX/XX/XXXX had sent this complaint regarding Source and their debt collection tactics over to the FTC. I have yet to get the itemized bill from XXXX nor have I had any communication with the FTC. I personally sent them the bill that Source and XXXX sent to me stating that we owed XXXX money. I tried to rectify this bill back in XXXX with setting up payments for what XXXX stated was our last final bill. However, that debt was overpaid on all levels as the actual bill was paid. Now I am being raked over the coals again by XXXX not doing as they promised and supply me with an itemized bill of what they state I owe. Additionally, Source NOT having all of their facts together in order to understand the final bill we owed when we switched to another carrier in XXXX of XXXX was for services only and not devices and was less than {$500.00}. All devices were returned and the only thing we owed for was the actual bill for the last month of service in addition to the prorated services when we switched. I have explained this to Source multiple times and even spoke to a manager. Source came back and continued to collect on a debt that is CLEARLY NOT OWED! Source has all of the calculations which I have forwarded over to the FTC and to the attorney 's office, " THEIR WORDS '' For this settlement it looks like the consumer agreed to make 4 monthly payments in the amount of {$370.00}, however only three were paid to the previous agency. It looks like the original balance due was {$2200.00} and the total settlement amount would have been for {$1500.00}. They received payment on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in the amounts of {$370.00}. The last installment should have been paid the end of XXXX but was not. Please be advised XXXX kept the account with the prior agency for nearly 6 months before they recalled it and placed the account with us. In that timeframe the consumer never made good on their final settlement payment therefore the settlement was considered null and void. At this time any payments made on the account went towards the balance in full since the settlement was never satisfied. SourceRM received this account with a balance of {$1000.00} in which the lowest we can settle the account for at this time is {$620.00}. This settlement offer is valid for 45 days ( XX/XX/XXXX ) and must be secured and paid in 2 monthly installments '' WE SIMPLY DO NOT OWE THIS BILL. And they have placed this debt on our credit report and we have not even reached the 45 day mark from their XX/XX/XXXX response. iI am demanding a full itemized bill from Source that shows everything we owe less the equipment. I am forwarding this matter over to the FTC myself, even though the CFPB said that they did, I too will follow up with this matter with both state and local authorities.
10/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 93536	Web
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Source Receivables Management XXXX XXXX XXXX XXXX are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Source Receivables Management XXXX XXXX XXXX XXXX XXXX XXXX financial institutions and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, and XXXXXXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Source Receivables Management XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that but it states in 15 USC 1681C ( a ) ( 5 ) " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
07/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 622XX	Web
I am writing to you to bring to your attention a serious matter concerning a fraudulent account that has appeared on my credit report. I have previously disputed this account, and it was removed from my credit report. However, to my dismay, the account has reappeared under a new account number with the same creditor, XXXX. I believe that this situation is a result of identity theft, and I am deeply concerned about the impact it is having on my financial well-being and overall living situation. I have enlisted the assistance of my attorney, and together, we have gathered substantial evidence indicating that the account in question was opened without my consent or verification, and without obtaining a wet ink signature from me. Furthermore, it has come to our attention that the birth year associated with this fraudulent account does not match mine, and the account was created using a fake birthday, along with a different social security number before on the previous account and now just the birthday on this i believe same account diffrent account number which i believe is the same account, This clear discrepancy should be evident upon a thorough investigation. I have already engaged in discussions with representatives from XXXX XXXX previously, and it appears that confidential information was shared between them and Source Receivable Management without my knowledge or authorization. This sharing of my sensitive information, including the last four digits of my actual social security number, further adds to the severity of this situation. I demand that a full and comprehensive investigation be conducted immediately to rectify this matter. It is your responsibility as a credit reporting agency to ensure the accuracy and validity of the information you furnish to creditors and lenders. I request the following actions be taken : A thorough investigation of the fraudulent account ( Account XXXX : XXXX ) with XXXX, including verification of the incorrect birth year and social security number associated with the account. Prompt removal of the fraudulent account from my credit report pending the investigation 's completion. A detailed report of the investigation 's findings, provided to me within 30 days of receiving this letter. Thank you for your attention to this matter, and I look forward to receiving your response.Please be advised that any delays or failure to conduct a proper investigation within the given time frame will leave me no choice but to pursue legal action against your agencies in a court of law. My attorney and I have already set a date for potential legal proceedings, and we intend to file a lawsuit against your agencies if this matter is not resolved satisfactorily. I expect prompt and effective action from your agency to rectify this situation and protect my rights as a consumer. Your cooperation in resolving this matter promptly will be greatly appreciated.
09/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 90026	Web
Source Receivables Management is currently attempting to collect a debt on behalf of XXXX. However, I believe the debt is not valid because XXXX voided the terms of our contract by misleading me to believe that my monthly bill would be lower than it actually was. XXXX XXXX 2014, my 2-year contract with XXXX was ending. At that time, XXXX was advertising an " Unlimited {$60.00} '' plan and I was considering switching to that plan from my " Every Data 450 '' plan. XXXX suggested that there could be monthly fees of up to {$35.00} associated with the " Unlimited {$60.00} '' plan, in addition to the base cost of {$60.00} per month. Prior to switching to the " Unlimited {$60.00} '' plan, I confirmed with several XXXX employees over the phone and through an online chat service that the $ XXXX monthly fees would not apply to me. I decided enter a new contract with XXXX, purchased a new phone at a price less than retail value being offered to customers entering new and renewed contracts, and switched to the " Unlimited {$60.00} '' plan. When I received my first bill, a monthly fee of {$35.00} was applied in addition to the base cost of {$60.00} a month. I contacted XXXX and explained that the $ 35 monthly fee should not apply to me, as multiple XXXX employees had told me prior to entering the contract that the fee would not apply. I also suggested that I would return the phone and we could terminate the contract. I offered these solutions to a XXXX employee over the phone and in the online XXXX XXXX forum. My conversation with a XXXX employee in the online forum has since been deleted. I believe XXXX voided because, despite the fact that several employees suggested I would not be charged a $ 35 monthly fee in addition to the base cost of {$60.00}, XXXX still applied this fee to my account. I made several good faith attempts to resolve this problem, but XXXX was unwilling to agree to the solutions I offered or to offer alternative solutions. When it became apparent that XXXX was unwilling to abide by the terms of the contract, I ported my cell phone number away from the service. At this time, XXXX is requesting I pay {$820.00} in cancellation fees and for the phone I purchased, which I was unable to use with any other cell service. XXXX has referred my account to a XXXX Receivables Management, which is reporting the debt to credit reporting agencies. I do not believe I am obligated to pay XXXX because XXXX failed to provide service according to the terms of our agreement. I also believe that reporting this debt to credit reporting agencies is a violation of the Fair Credit Reporting Act. I sent a letter to Source Receivables Management in XXXX detailing my complaint and included evidence. I requested that Source Receivables Management cease reporting the debt to credit reporting agencies. However, Source Receivables Management was unwilling to do this.
04/17/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WA 99004	Web	Servicemember
My husband, XXXX XXXX, signed a contract ( contract ) for services with the company XXXX on XX/XX/XXXX. Exhibit 1. This contract contained the following relevant information : -I acknowledge and agree to each of the followingThe initial term of this Contract is three ( 3 ) years Exhibit 1, pg 1. A. PAYMENTS ; TERM ; CONSUMER REPORT. All charges are payable in advance. The initial term of this Contract is three ( 3 ) years. XXXX 's alarm monitoring and notification services will begin when the equipment is installed, operational and communicating with XXXX 's XXXX XXXX XXXX ( " XXXX '' ). This Contract will automatically renew for successive thirty ( 30 ) -day terms unless terminated by either party at least thirty ( 30 ) days before the end of the current term. If terminated, this Contract ends on the last day of the then-current term. I may terminate my service by calling XXXX at XXXX. [ emphasis added ] Exhibit 1, pg 4, item 1. -I agree that the charges due under this contract are based on my agreement to receive and pay for the services for three ( 3 ) full years. Exhibit 1, pg 4, item 2. ) Two amendments were made to the contract, one, dated XX/XX/XXXX, identifying we were receiving a credit ( Exhibit 2 ) and a second one, dated XX/XX/XXXX, identifying we would be receiving two smoke detectors ( Exhibit 3 ). So the above contract endedXX/XX/XXXX, as that would be three ( 3 ) years from the date the contract was entered into. A final payment was made to XXXX on XX/XX/XXXX, in the amount of {$130.00}. Exhibit 5. The billing history shows that the bill is for services from XX/XX/XXXX to XX/XX/XXXX. Exhibit 5. Services were cancelled via phone conversation between my husband and an XXXX representative at XXXX on XX/XX/XXXX. At this point, according to the now expired-no longer enforceable contract, the services, though no longer under contract, should expire on XX/XX/XXXX. I called XXXX at XXXX on XX/XX/XXXX, at XXXX to remind XXXX we were cancelling our service. Exhibit 6. My husband followed up with XXXX via email on XX/XX/XXXX, reiterating that service had been terminated by us. Exhibit 4. XXXX has been sending me bills since late XX/XX/XXXX for varying amounts. I discarded all bills as we no longer have XXXX service. On XX/XX/XXXX, I received a debt collection letter from Source RM who had been hired by XXXX to collect {$34.00}. Exhibit 7. In regards to Source RM, I will be seeking recourse against them should they violate the Fair Credit Reporting Act ( FCRA ) by reporting the false information from XXXX fraudulent claim. Also, I am instructing Source RM to not contact me or anyone related to me regarding this matter. XXXX XXXX, XXXX. Enclosures : Exhibits 1 through 7 cc : Washington State Office of the Attorney General complaint filed XX/XX/XXXX XXXX XXXX XXXX Case no XXXX Consumer Financial Protection Bureau
01/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90034	Web
I am writing to inform you that I am a victim of identity theft. I have recently discovered that several accounts have been opened in my name without my knowledge or consent. These accounts include : A. ) XXXX XXXX Account was opened with my name fraudulently in California XXXX XX/XX/XXXX with a XXXX of {$36000.00}. I didnt notice until about XXXX of XXXX when I received a call from the XXXX police department. B. ) XXXX XXXX - Account was opened with my name fraudulently in California on XX/XX/XXXX with a XXXX of {$930.00}. Ive tried disputing before, XXXX has unfairly denied as I am not sure who has opened this account. My identity has been compromised, and I have currently already filed for a new license and Socials Security Card. XXXX ) XXXX XXXX XXXX XXXX XXXX - Account was opened with my name fraudulently in California on XX/XX/XXXX with a XXXX of {$630.00}. Ive also tried disputing before, XXXX XXXX XXXX has unfairly denied as I am not sure who has opened this account. My identity has been compromised, and I have currently already filed for a new license and Socials Security Card. XXXX ) XXXX XXXX XXXX - Account was opened with my name fraudulently in California on XX/XX/XXXX with a XXXX of {$1000.00}. Ive also tried disputing before, XXXX XXXX XXXX has unfairly denied as I am not sure who has opened this account. My identity has been compromised, and I have currently already filed for a new license and Socials Security Card. XXXX ) XXXX XXXX XXXX - Account was opened with my name fraudulently in California on XX/XX/XXXX with a XXXX of {$550.00}. Ive also tried disputing before, XXXX XXXX XXXX has unfairly denied as I am not sure who has opened this account. My identity has been compromised, and I have currently already filed for a new license and Socials Security Card. I did not open these accounts and have not authorized any transactions on them. I have not received any correspondence or statements from these accounts, and I was only made aware of their existence when I checked my credit report. Furthermore, I have also learned that my driver 's license and social security card have been compromised. I have taken the necessary steps to report this to the relevant authorities and am in the process of obtaining new identification documents. I would like to request that you immediately close these accounts and take any necessary steps to prevent further unauthorized activity. I would also appreciate it if you could provide me with a copy of any fraudulent transactions that have occurred on these accounts. I would be grateful if you could also inform me of any additional steps I need to take to protect myself and my credit in the future. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX Lenders listed above are not handling my dispute in a fair and timely manner.
05/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77630	Web
I originally submitted a complaint through CFPB, which shows to be closed due to being forwarded to FTC ( CFPB Report # XXXX ). Included in original complaint was the debt collection agency, XXXX XXXX XXXX ( CFPB Report # XXXX ). Information from CFPB advised " Company 's Response : The subject account was recalled from XXXX by XXXX the day this complaint was received. XXXX had previously provided Ms. XXXX debt validation. XXXX is no longer handling the matter, however has advised XXXX of Ms. XXXX XXXX continued dispute. Pursuant to the account recall, has requested removal of the account trade-line from Ms. XXXX XXXX credit history. '' Since this time, I have received multiple phone calls, and multiple letters in the mail, from Source Receivables Management ( XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX. XXXX ) in reference to this same debt/issue. I have explained the situation to all of the representatives who called, and it has done nothing. Original complaint info : " Original complaint info : " Approximately 2 years ago, I opened a no contract, pre-paid, cell phone account through XXXX. It was pay as you go, paying PRIOR to using service. I paid for the first month, prior to using the service, and it was verified, multiple times, through the company representatives, that if I wanted to continue service afterwards, I would pay first then have service, if I did not want to continue, I simply did not pay and I would not have service. After many issues during the first month, I decided not to continue using XXXX, and prior to the end of that first month, switched over to another company. I then started receiving bills from XXXX, saying I owed for a month of service, which would have been for the 2nd month that I did NOT use. I spoke with them over the phone and by email, but continued getting bills. I then noticed it had been reported on my credit. Somewhere around XXXX of XXXX, I reported this issue with the credit bureau. They decided in my favor and XXXX was forced to remove the collection from my credit. Then, around XXXX of XXXX, I again started receiving mail and emails from XXXX XXXX XXXX stating they were a debt collection company contacting me to collect a debt on behalf of XXXX, successor to XXXX. I used their complaint portal, on their website, twice now, fully explaining that I do not owe this debt, it was for service that was never used on a no contract, pre-paid, account, and that it was already removed from my credit once due to this. After submitting the emails, both times, I never received any messages from them, but have STILL continued to get inundated with emails and mail stating I owe this debt. I have spent so much time dealing with this one issue, for 2 years now, for something I didn't use and do not owe!!! I would like it stopped!! ''
04/12/2023	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OH 44122	Web
Responding to the following statement We have received and reviewed the consumer complaint. In a previous complaint, we provided both contracts. XXXX stated he had a contract at both addresses. When XXXX moved from one address to the other, the new residents did not take over, keeping XXXX responsible. Much of the equipment was not paid off either. We can offer a settlement of {$3700.00}. If the consumer truly believes this was paid off, we would need proof of payment My response : Providing contracts does not support being paid or the discrepancy therein ; secondly, they failed to address the validity of the charge being owed. What was owed has been paid in full. Also, the contract I signed and have a copy of doesn't mention a cancellation fee of {$2000.00} that is being charged as part of the {$4900.00} charge, XXXX took it upon themselves to cancel my current system, which was being paid due to their error in billing. The mention I moved XXXX times and owed this amount doesnt seem reasonable that XXXX would grant me credit and install a new system if I had already had a past due balance and was on another system. Does it add up? Do you have the contract but no payment history, or don't you want to share that, as it would prove that nothing is owed? Secondly, it seems odd, per their statement, I had one outstanding contract with XXXX ; why would they give me another contract if I was in default of the first one? Nothing makes sense ; they are just doing what their partner XXXX is doing, Lying to trap a person in debt that is not owed. It's all one big hustle. I have the current owner, the Realtor, and XXXX XXXX, text message attached all stating that the system was turned over to the new owner, who has an active account on the same system they are now trying to charge me for ; they are withholding information placing the burden on me to validate because it part of the game, the above people are willing to give a statement as well as the closing attorney that this was part of the sale of the home, why would have two active accounts but own one house. Also, they only produce two contracts, and it should be a total of three. The original contract, as stated in my first email at XXXX XXXX XXXX, XXXX GA The Second transfer to XXXX XXXX by XXXX, Still active on the same equipment at XXXX XXXX XXXX XXXX, Ga The last one was active and current XXXX XXXX, which XXXX canceled because of there XXXX up of the first two ; it seems odd someone would be outstanding on two contracts, and you give another contact ; this collection agency has an obligation to prove the validity of the charge, and they have not done so, providing a rubber stamp contract doesnt prove a person still owns the debt, they will not
03/06/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92706	Web
Sometime after XX/XX/XXXX my personal information was compromised and I became a victim of Identity Theft. On XXXX a vehicle was rented in my name at XXXX XXXX XXXX XXXX at the XXXX XXXX XXXX in XXXX XXXX Ca. as well as products from XXXX XXXX Once I found out about this fraud I immediately put a fraud alert with the 3 major credit bureaus on XXXX and on XXXX the police report I filed with the XXXX XXXX Police Department was approved. I had contact with a detective from XXXX and informed him about the identity theft and the date in question and let him know that I was at work at the time of the car rental. No further information on my part was needed and a case of fraud/theft was issued with them. Once I had the police report approved I filed a Fraud Statement Dispute with XXXX and on XXXX XXXX XXXX sent me a letter stating they would not be pursing collection activity and I have been removed from financial responsibility. Soon after the police report I started getting calls from XXXX about an outstanding bill in my name. I informed them that I was a victim of identity theft and the same thing happened with XXXX XXXX. I then proceeded to fill out the XXXX Fraud Statement Dispute and sent that form in along with a copy of the police report and photo ID. XXXX in turn denied my fraud claim and are not accepting the information I have provided them. They in turn took me to collections in which I then sent Curtesy Letters to both XXXX and Source RM stating that California Penal Code 530.8 and the Federal Fair Credit Reporting Act require them to supply me with a copy of all information about the said account including the application that was used to open the account and records of all transactions. They both haven't sent me the information I requested but XXXX did send me another Fraud Dispute form. I also found out that an XXXX XXXX XXXX account was opened but they closed out the case after I talked to a manager in there fraud department letting them know I've been with them since XXXX and opening another account made no sense to which they agreed and closed out the fraud case. I also mentioned to XXXX XXXX that the said address used in the transaction ( s ) was an address I had previous lived at and was a renter. I no longer lived at said address because I am now a home owner. I have a copy of a 30 day notice of said address as well as a copy of the Grant Deed of my current home, the Police Report and the XXXX letter stating that the fraud case has been dismissed. I didn't have XXXX XXXX or XXXX XXXX XXXX XXXX in the police report because at the time I didn't know they purchased anything from them. 2 majors companies have accepted my fraud claims but only XXXX XXXX has not
09/10/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33414	Web
Towards the end of XX/XX/XXXX, my contract and leases with XXXX for cellular phone service ended. I chose to end that relationship and change providers. A major reason for that change is that I constantly had a difficult time with XXXX customer service. Credits were supposed to be applied and changes made, but nothing appears to have happened. I changed providers on XX/XX/XXXX. On that date, I specifically confirmed with XXXX that the leases on the devices were complete. I then received a bill from XXXX for well over {$1000.00}. I again called and was basically told that, upon XXXX 's receipt of the devices, the bill would be reduced dramatically. I returned 4 of the 5 devices to a XXXX store on XX/XX/XXXX. I returned the other via XXXX on XX/XX/XXXX. I do not recall the first phone call, but thereafter I received phone calls from a collection agency saying that I owed XXXX ~ {$1800.00}. On several occasions I explained why that figure is incorrect, but the phone calls continued with no changes. Eventually I explained that any further communications had to be in writing. I received no phone calls for several months. Last week, I noticed that the collection company for XXXX reported this purported debt to each of the 3 credit reporting agencies. I initiated a dispute with each of the agencies. Today, the XXXX dispute investigation was completed, but they did nothing because the collection agency stated the debt was " verified as accurate. '' The investigation results provided the following information for the collection agency : Source Receivables Manag XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX On XX/XX/XXXX, I called the number provided and spoke with a representative. I called at XXXX XXXX EST, and the representative terminated the call at XXXX XXXX EST. I tried to explain the ongoing issues, and why the debt is invalid. The representative was combative and uncooperative. I explained that my prior phone calls from XXXX will show why the debt is invalid. Her response was that it is not her responsibility to dispute the debt. I explained that I do not have access to the XXXX database. I then tried to have the representative explain the basis for the debt. She said that the debt was because I terminated the leases early. This is something I had never heard before. I explained that, regardless, I had not terminated the leases early, and asked her to further explain the purported amounts owed. She refused. She said that I was cutting her off and the conversation was going nowhere. She then terminated the call. They have refused to address this issue, and I have no other way to have them acknowledge that this debt it invalid.
01/08/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX XXXXX	Web
I have been an XXXX customer for over 10 years, since I wanted to have access to XXXX app, XXXX installed a cellular transmitter which gave me the ability to access the system via the XXXX app on my cell phone. When they did this, XXXX made me sign a new three-year contract even though no new keypads or sensors were upgraded. XXXX months later I got married and we sold my house. In an attempt to fulfill the new contract, we were willing to transfer the service to our new home which we purchased and remodeled by taking it down to the studs. During the remodel, we asked XXXX to come out to do a pre-wire to ensure all of the wiring in the new home was embedded ( hidden ) in the walls. In fact, all of the visible wires that were on the exterior of the home were removed and we paid over {$1000.00} to have all of the utility wiring buried. We called twice to have them come out to do the wiring before we put the sheetrock back on and we were informed that they would only come out once the remodel was complete. Once the remodel was complete, the XXXX installer came out and informed us that they would need to use white wireless sensors that are mounted directly on the stained wood door. He also let us know that the control panel would have to be mounted above the electrical outlet and that the transformer would have to be plugged into the outlet below which, like the sensors, would be visible in the room. Given we spent over $ XXXX on the remodel, this was unacceptable. When we inquired about the recessed wireless sensors that are on the market, we were informed their new state of the art panel, XXXX XXXX, did not work with any of those. I spent over 49 minutes in the telephone and was bounced around to three different reps trying to find a solution that would allow us to fulfill the contract I had at my old home. When I offered to install my own system that was compatible with the recessed wireless sensors and then have XXXX continue to monitor the system to fulfill the old contract, I was transferred to a fourth rep who claimed she couldn't hear me and asked that I call back! In the meantime, XXXX has decided to send our account to a collection agency! Needless to say, we are very frustrated and believe XXXX, after 10 years of loyal service, has really let us down. At this point we just don't know what to do! We posted a complain on consumer affairs and a representative answered that would give us assistance, but of course, no calls were received from XXXX. We want to be released from the old contract and not have to pay the penalty of {$1100.00} or any penalty for that matter.
12/26/2022	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	NJ 07109	Web
The company Source Receivables Management mailed me a notice on XX/XX/2022 stating they were trying to collect a debt that I owed XXXX in the amount of XXXX, I personally called XXXX myself and they told me they no longer owned the debt and sold it to Source Receivables Management, this company is in violation of 15 USC 1692j ( a ) which states, it is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor when in fact such person is not so participating. Through the response received from XXXX apon me calling in regard to this account I would like to inform you that your company has violated 1692j ( a ) because your Company furnished a deceptive form to create a false belief in me as a consumer that the creditor was attempting to collect the debt but in reality, it was not true. This company is in violation of 15 USC 6802 : Obligations with respect to disclosures of personal information, your company has created an account on my behalf using my social security number without my consent this offense is aggravated identity theft pursuant to 18 USC 1028a they have knowingly. transferred, possessed or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years imprisonment, in addition to civil liability. According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium, as per the literal interpretation Any medium includes any oral, written, electronic, or other medium, Therefore, furnishing of the consumer report bearing information regarding the alleged debt by the Company will amount to communication as per Fair Debt Collection Practice Act Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately, This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. Any further contact by your agent or company, except a communication confirming your acknowledgement of this letter, is in volitation of the Fair Debt Collection Practices Act. If you do not cease communication a lawsuit will be commence against you. I have attached the initial letter you sent me showing that you were acting like XXXX was participating in this alleged debt collection.
01/25/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 02301	Web
Hello SOURCE RECEIVABLES ; XXXX ; This was removed before and re-inserted under different debt buyer without my knowledge. Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
06/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 02745	Web
HI ; SOURCE RECEIVABLES MNGMN /SPRINT ; ( Phone Number ( XXXX ) XXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ) Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
07/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO 80516	Web	Servicemember
I am writing to file a formal complaint regarding an account listed on my credit report, which I believe to be inaccurate and unjustified. Despite my previous attempts to address this matter directly with the reporting entity, they have failed to respond or provide any documentation supporting their claim, as required by the Fair Credit Reporting Act ( FCRA ) under Section 609. I have made multiple attempts to resolve this issue by sending both mail and email communications to the creditor, requesting validation of the alleged debt in accordance with the provisions of the FCRA. Specifically, on XX/XX/, I sent an email formally requesting proof of the debt in question. Regrettably, despite the considerable time that has passed, I have received no response or acknowledgment from the creditor. Under the FCRA, Section 609 ( a ) ( 1 ) ( A ), consumers have the right to request verification of any disputed debt from the reporting entity. Failure to respond to such a request within 30 days of receipt constitutes a violation of this federal law. Furthermore, Section 611 ( a ) ( 5 ) ( A ) of the FCRA mandates the removal of inaccurate or unverifiable information from credit reports. Given the lack of response and failure to provide any supporting evidence, I believe it is evident that the creditor 's reporting of this debt is erroneous and inaccurate. Therefore, I kindly request your intervention and assistance in addressing this matter promptly. I kindly request that the Consumer Financial Protection Bureau take the following actions to rectify this situation : Initiate an investigation into the alleged debt and the creditor 's failure to respond to my previous communications as required by law. XXXX the creditor to provide me with the requested validation of the debt in question within the statutory time frame. Instruct the credit reporting agencies to remove the disputed account from my credit report until such time as the creditor has provided sufficient evidence to substantiate their claim. Take appropriate enforcement actions against the creditor for their non-compliance with the FCRA. Enclosed with this complaint, please find copies of my previous correspondence to the creditor, including the email dated XX/XX/, as evidence of my attempts to resolve this matter amicably. I greatly appreciate your attention to this serious matter and your assistance in helping me rectify the inaccuracies present in my credit report. Please feel free to contact me should you require any further information or documentation.
08/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 465XX	Web	Servicemember
In review of my credit report in XX/XX/XXXX I discovered a negative debt of XXXX owed to a company that I had never heard from or knowingly done business with, so I disputed the debt. A few weeks later I received an alleged debt validation letter in XX/XX/XXXX from a debt collector who purchased the alleged debt in XX/XX/XXXX. They claimed to have a debt owed by an original creditor that I ended service with in XXXX when I switched carriers. I have emails and chats showing I left XXXX in XX/XX/XXXX. The debt they allege I owed was from a date range XX/XX/XXXX. This was not a debt they verified, but they are still reporting on my credit reports. They violated the following Fair Debt Collection Practices Act 1692-1692p. : 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- IT WAS 7 MONTHS AFTER THEY FIRST REPORTED RECEIVING THE DEBT. THEY BEGAN REPORTING TO THE CREDIT BUREAUS WAY BEFORE THE NOTICE EVER CAME. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector : See ATTACHMENT THE ONLY LETTER RECEIVED DOES NOT SHOW ANY STATEMENT This was the first notification I had ever received by Source Regional Management for any debt. No reason was given for why they failed to notify me. 805. Communication in connection with debt collection Would hang up on me when I called to get more information because I refused to provide personal information to them. 807. False or misleading representations They claim that XXXX is a client in the validation later. Does not say they represent XXXX, or a law firm or anything else. Seems intentional by the debt collector. I called twice and needed to have clarity on how they think this debt is mine, but have not received consistent, clear or respectful communication with them. I had the right to say the debt was not mine and to not provide you with personal information. You were asked to further verify that this debt was mine and you hung up on me. They have no interest to reasonably resolve this professionally, so I filed this complaint.
06/26/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 02302	Web
I'm not sure who to bring this to again! I continue to dispute a phone company bill XXXX that doesn't belong to me. In XXXX, i pulled my credit and noticed that XXXX report that i owed them {$870.00} and they had sold the account to XXXX XXXX XXXX company. I disputed directly to the bureaus and that third party company. Now i just pulled my credit and noticed that there is the same collection from XXXX under different company names opened XX/XX/2020 under Source Receivables Services SRM. I can tell you by monitoring my credit, the open dates are wrong. I been researching them online and noticed that there are so many complaints against this company online between XXXX, CFPB, etc. Also i read this " Source Receivables Management or SRM is a third-party collection agency based in North Carolina. SRM has received complaints alleging violations of the Fair Debt Collection Practices Act ( FDCPA ), including attempting to collect debts not owed and using false or misleading language in an effort to collect a debt. ". This company continues to ruin my credit and placing wrong information on my credit report using different companies under their umbrella. It's causing this account to illegally re-aged and dropping my credit score. AGAIN, I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
08/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 02301	Web
Hi Source Receivables Management Acct # xxxxx balance of {$2800.00} ''??? ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
06/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19131	Web
CEASE AND DESIT VOLENTI NON FIT INJURIA to a willing person, it is not a wrong XXXX XXXX XXXX company this is a written request for you to cease and desist all forms communication with me effective immediately. 12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt. 15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. Furthermore you have no jurisdiction or authority to collect on this allege debt. ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. volenti non fit injuria Volenti non fit injuria is Latin for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine. You SOURCE RECEIVABLES MANAGEMENT knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUED TO TAKE ON Volenti non fit injuria Delete this alleged debt from your databased and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.
06/26/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 02301	Web
DUPLICATE XXXX ACCOUNT {$890.00}??? Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
06/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 02122	Web
HI SOURCERECEIVABLE MANAGEMENT ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
09/04/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA XXXXX	Web
On Thursday XX/XX/XXXX I sent Source Receivables MGMT ( SRM ) a letter to see if their client XXXX is still willing to settle my debt for less than the full amount so that I could paid it off. SRM sent me a letter back dated : XX/XX/XXXX. In that letter they stated they were in receipt of my offer to Settle the XXXX account. That letter stated : Please be advised we are willing to accept your offer to settle for {$500.00} due by XX/XX/XXXX. I withdrew money from my Savings account deposited in my checking and sent them a bill pay on the XX/XX/XXXX. I was able to view the cashed check online. It was posted to SRM 'S account on XX/XX/XXXX. I honored my word by sending in the money to settle before the date it was due. I have a copy of the letter, proof they cashed the check but when it came time to reporting to the agencies they chose not to. So I then Initiated a dispute with XXXX and XXXX. XXXX claimed I owed the full amount per SRM per my first completed dispute report I got back in the mail.. I immediately called up XXXX on XX/XX/XXXX and explained my situation. The rep at XXXX Stated the collection agency is still saying i still owe. I asked her if she got my pdf of my proof of settlement. She said she did. I said based on that letter your reporting is incorrect and you are violating the FCRA. The letter written by SRM to me clearly stated they were excepting my offer to settle. They ca n't circle back and say I still owe a remaining balance. That 's why its called a settlement. So then she said she 'd put in another dispute for me. I told her it should be reported as Account paid in full for less than full balance. Settled.. That same day, XX/XX/XXXX. I sent a fax to SRM which included my letter i wrote them, their reply accepting the settlement amount and lastly a copy of the paid check front and back. On the cover of that fax attn : XXXX XXXX. Per our agreement this account was settle on XXXX. Why is it still being reported as owed/unpaid? XXXX/XXXX were to be updated as paid in full for less than full balance. Settled. I also included my phone number and email address. Needless to say they 've never responded. XXXX ended up fixing the incorrect reporting. However XXXX is still reporting incorrectly. I just got the 2nd dispute back they updated what i paid but are still stating I owe {$580.00} and its past due. That is not right!!! This account is a PAID SETTLEMENT and SRM needs to honor their word and report as such. I have it in writing.
04/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 02301	Web
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
02/21/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 07109	Web
Source Receivable Mangement sent me a letter on XXXX-22 claiming they were trying to collect a debt I owed XXXX original account number is XXXX reference # XXXX in the amount of XXXX. I responded back to the company on XXXX22 asking for validation of the alleged debt you sent me back a stack of statements from the original creditor and claimed it was proof I owed this alleged debt. I sent you a letter asking for the original contract or agreement with both parties ' signatures agreeing that I would be lawfully obligated to owe you a debt you have not sent it to me as of today. Pursuant to my rights I approached XXXX and asked the following questions? Have they sold the alleged debt? they said yes. I asked to whom they sold the debt to? they said Source Receivable Mangement. I asked are they still in the process of collecting this debt? They said no since they have written it off, they are no longer in the process of collecting this debt. But in your response on the CFPB Complaint website you stated that, and I quote Source Receivable Management do not purchase or own any debt. Through the response received from the creditor I would like to inform you that your company has violated 15 USC 1692j ( a ) it is unlawful to design, compile, and furnish any forms knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is attempting to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating, your company furnished a deceptive form to create a false belief in me as a consumer that the creditor was attempting to collect the debt but in reality, it was not true. Pursuant to 15 USC 1692j ( b ) any person who violates the above-mentioned section shall be liable to the extent as mentioned under 15 USC XXXX XXXX for each violation. If you do not remove this alleged debt off of my consumer report. I will report this to the Attorney General, FTC, XXXX and I will sue you for deformation of character and violations of the FDCPA. Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communication regarding this account immediately. This includes but not limited to telephone call, email, social media, or any credit reporting agencies, any further contact by your company, except a communication confirming your acknowledgment of this letter, is in violation of the FDCPA.
03/08/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 22041	Web
Please read attached file it Has the complaint details along with clear and convincing evidence this collection should never exist knowing the facts stated in details in the attached file. Threatening and suggesting negative consequences on my credit report sustain. This company didnt do what it said it will. Playing those tactics of vague replying not answering the real question this complaint asks all the violators of rights to answer. Why this collection if its works on behalf on XXXX or why not XXXX used the auto payment which is valid to get paid for what it alleges that I owe? If anything legitimate or if its charges are legitimate, what prevents XXXX from debiting my credit account that it did regularly and I never stopped XXXX? Showing off all those paper? I have documents I could use to sue thus collection and XXXX both and I reserve right to do so any time without prior notice and without waiving my rights .so checking my credit today using my XXXX basic credit monitoring service and I saw this Sprints collection from source Receivables Management ( SRM ) ( correction on the exact name of the current collection is Source Receivable management ) still on my credit file or report .another important thing. I never claimed fraud to anyone in regard to this matter. XXXX created that by itself and it will assume responsibility for saying something I didnt state .you need to comply to law after u showed you all the proofs that XXXX is not serious about getting paid and they broke their policy of auto payment and I have copy of that policy. They need to have a life and let me on peace before they receive a legal summon from a U.S Marshall and then it would be late to settle because you will all pay big legal price. Please dont say something I didnt say in my complaint. Your interim response before is rejected at its entirely and stop threatening and harassing me. those desperate tactics from all the violators to cause me more harms than theyve done already, It is noted and it will be used in a court of law if necessary. All stated herein is to my current state of knowledge belief and understanding and it is subject to anything or any correction by me only at any time without prior notice and without waiving my rights. Please refer to the attached file for more factual information with proofs attached within the file. Does XXXX or SRM have any court order to abuse my rights?
10/15/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30305	Web
My name is XXXX, a federally protected consumer, and I am making this complaint against SOURCE RECEIVABLES MANAGEMENT, for committing identity theft. I have never given SOURCE RECEIVABLES MANAGEMENT, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with SOURCE RECEIVABLES MANAGEMENT and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving SOURCE RECEIVABLES MANAGEMENT any right to collect on this alleged debt. I have never received any documentation requesting validation from SOURCE RECEIVABLES MANAGEMENT, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If SOURCE RECEIVABLES MANAGEMENT, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until SOURCE RECEIVABLES MANAGEMENT, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and SOURCE RECEIVABLES MANAGEMENT, continues its collection efforts, I will file for litigation for actual damages caused and they will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
12/06/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	TX 759XX	Web
I received a call from Source Receivable, located at XXXX XXXX XXXX , # XXXX, XXXX, North Carolina XXXX, a debt collection agency beginning the week of the XXXX in the month of XXXX. The lady I spoke with stated that my debt could be settled for a lessened fee. I agreed and gave her my card info, I then told her that I could not make the payments right away. She informed me that that indeed was fine and that they would not take any unauthorized payment from me unless I gave authorization to do so and that she would give me a call back Friday to see if I could make the payment. I did in fact receive a call back that following Friday and spoke to a male. I explained to him that I could not talk due to having a patient with me which was the end of our conversation. No further details were discussed. I then noticed today, XX/XX/2018 that there was a transaction taken out by the agency in the amount of XXXX. Upon further reviewing my bank statements I realized that the first transaction taken out was Friday, XX/XX/2018, the very same day that the male called me although I couldnt talk to him at the moment. A total of 3 payments were taken out. I then called Source Receivable located at XXXX XXXX XXXX , # XXXX, XXXX, North Carolina XXXX in order to dispute the transaction. The male representative I spoke to told me he nor his supervisor could interpret the tape and that someone else would call me. 2 hours later I received a phone call from a Lady named XXXX, who told me that O wasnt getting my money back, and that if I didnt authorize the call why did they have my credit card number. I explained to her that I did in fact give my credit card number but stated I could not make those payments, I then informed her that the lady said I would get a call back Friday to authorize the payment. She then told me that I did not get a phone call back and that the lady never told me she would call back and get an authorization. She was very nasty and disrespectful, I asked for her last name and she informed me that she would give her first name only, I ask her if I could review the tape and she said no. The company went from telling me they couldnt understand the recording to telling me that the lady I spoke too did not say what was said when she in fact did. I did not receive any letters in the mail of any monies retrieved from my account from this company
09/01/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 344XX	Web
XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXXXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious SOURCE RECEIVABLES MNGMN I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, FL XXXX
04/05/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11779	Web	Servicemember
In XX/XX/XXXX I received a cell phone in the mail from XXXX. I called XXXX and told them I didn't order a phone. They said the order was placed online. I ask them well it needs to go back cause I have new phone did'nt need another one. XXXX rep stated to take the phone to the local XXXX store which I did. I got a receipt from store manager. On XX/XX/XXXX there was a charged on my phone bill for {$740.00} in addition to my regular {$100.00} a month bill. I called XXXX stated the phone was return as advise from XXXX rep which I have a receipt from the XXXX store. They asked me to fax it over I did. They said they will investigate. XX/XX/XXXX My cell phone service was shut off. I then again called XXXX and they said they never received the phone, from the local store.so I'm responsible for the phone after I had show them the receipt. I then went to the store myself where I gave the phone to the XXXX Rep.he right in front of me called XXXX and stated to them that the phone was indeed sent back to there delivery dept. The manager got off the phone stated to me that XXXX will restore my service in a couple of hours. XX/XX/XXXX XXXX did not restore my service. I then was forced to go to XXXX XXXX to purchase a phone. I had service with XXXX XXXX since then. XX/XX/XXXX I was in the process of purchasing my home this debt had showed up on my credit report on XXXX and XXXX XXXX. I called XXXX again with no success. I then filed a claim with small claims.for {$800.00} XX/XX/XXXXwas my court date with XXXX. XXXX Rep from the store did not show up for court date the Judge have favor me the judgement since there was '' a no show '' from XXXX rep.XX/XX/XXXX I contacted XXXX the collection company that posted this debt on my credit report. They asked for the court documents. I sent all doc over they removed the negative reporting off my credit report.XX/XX/XXXX Got an alert from XXXX stating a negative reporting from " XXXX XXXX XXXX. I called Source RM stated the same information I stated back in XX/XX/XXXX to XXXX XXXX. I sent Source RM all court docs as well they refused to removed this off my credit report. I contacted all 3 credit bureau the debt was removed from one bureau but still on two other bureau. My issues is that these collection agency buys the debt and I have to keep calling and fighting to have this debt removed.
08/12/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 432XX	Web
Notice for Proof of Claim Account : SOURCE RECEIVABLES MNG To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor w rites off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
01/08/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MI 48204	Web
XX/XX/2020 I cancelled my cellular phone service with XXXX. I cancelled before the new billing cycle to avoid prorated charges. I also turned in all leased cellular devices as instructed by the XXXX representative. I have all of the credit receipts for each device returned to the XXXX XXXX XXXX XXXX XXXX. The Store representative assured me that i would not incur any further charges. I also returned a XXXX XXXX device that was provided by XXXX in my home to strengthen my devices signal strength while I had their services. I was reviewing my credit report in XXXX XXXX XXXX and noticed that I had a collection for {$380.00} from XXXX through a third-party collection agency. I had not received any written or electronic communications prior to this time. I attempted to reach out to the listed collection agency on my credit report. I contacted Allied collection Services and sent all receipts verifying all cellular devices were returned to XXXX. A credit of {$1000.00} in total was returned. The collection agency representative stated that XXXX noted equipment was not returned but now the issue and balance should be resolved. However, I never received any other written or electronic communication to verify the collection agency had resolved the issue. My credit report continued to report the collection and also noted another collection agency called XXXX XXXX XXXX. The Allied Collection services noted {$0.00} in collection but the XXXX XXXX XXXX now is showing {$380.00} in collections on my credit report. I have made several attempts to contact these collection agencies but never received any recourse. No electronic or written communications were ever received. I even reached out to XXXX customer service before there company fully merged with XXXX XXXX and they only could tell me that maybe it was equipment I never returned or I owed a previous bill!. All of which I disputed and provided the receipts for returned equipment and reviewed all of my billing statement prior to me cancelling my service with XXXX. In closing I have disputed these collections on my credit reports without any recourse. I have all copies of returned equipment and my billing statements from XXXX XXXX XXXX XXXX. Any assistance to resolve these collections will be greatly appreciated. Sincerely, XXXX XXXX
05/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10454	Web
In accordance with the Fair Credit Reporting act 15 U.S.C 1681 and Fair Credit Reporting Act 15 U.S.C 1692. Source Receivables Management Account # XXXX have violated my rights. 15 USC 1681 - States I have the right to privacy 15 USC 1681a 2 ( A ) ( i ) - ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person that is making the report. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) - ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 15 USC 1691 a ( 3 ) - ( a ) ACTIVITIES CONSTITUTING DISCRIMINATIONIt shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 3 ) because the applicant has in good faith exercised any right under this chapter. 15 USC 1681n - ( a ) IN GENERALAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
09/06/2023	Yes	Debt collection Telecommunications debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92503	Web
I had a problem with XXXX XXXX XXXXears back I was paying for a XXXX XXXX and a cell phone I paid the watch off. But I had started to have problems with the phone XXXX was paying XXXX $ and something a month and always paid on time. But my phone was doing weird things like downloading people 's emails into my contacts of people. And had my credit card hacked the phone would shut down and reboot. Itself all the time I couldn't hear on it and it would ring and ring but couldn't answer it so I couldn't even use the phone anymore. So, called to get a replacement. I had insurance. I paid monthly. for insurance i was told that I only had to pay {$5.00} for replacement when I brought the phone in, they said it was going to be.XXXX XXXX i said no its {$5.00} for a replacement and she said because of a tiny little chip that you could barely see it .It was nothing I couldn't believe it.I told them to cancel my contract because I've been paying my bill every month and hadn't been able to use my phone for a little over a month. And I had still paid my bill that whole month I couldn't use the phone. And I wasn't going to pay {$50.00} for a replacement. I had paid way over {$50.00} in insurance So ; I went to another carrier. Cause I wasn't able to use that. Phone so they left my account open for over 4 months and let the bill get higher and higher till it was XXXX XXXX XXXXven though they were not receiving payments. Usually after 60 days of not paying a bill they will shut the service off but nope they left it build up for a little over four months and sent it to collection. this has been on my credit for a few years. But this is the second time they have resent it to collections saying it's a new collection as of XX/XX/2023 they have done this twice and it has impacted my credit. significantly twice i would appreciate it if they would stop putting it as a new collection once it was almost off my credit then they sent it to collection again saying its new as of this year. the collection agency is SOURSE RECOVERABLE MNGMA ACCOUNT # XXXX SAYING DATE OPENED XXXX WOULD LIKE THIS REMOVED THEY LET THE BILL CONTINUE TO GET HIGHER AND HIGHER AFTER I TOLD THEMI COULDNT USE THE PHONE AND ASKED THEM TO CANCEL MY CONTRACT I WOULD LIKE IT REMOVED PLEASE THANK YOU
09/14/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30344	Web
SOURCE RECEIVABLES MNG. has been and is still constantly tarnishing my reputation, negatively effecting my business arrangements, and invading my privacy all through my consumer credit report. This is an ongoing battle in my life despite the fact that SOURCE RECEIVABLES MNG and I NEVER even had a contract ; I NEVER consented to do business with SOURCE RECEIVABLES MNG. Therefore, it is unlawful for SOURCE RECEIVABLES MNG. to collect on this alleged debt & that means they should have NEVER been able to have this type of crippling impact on my life. I have previously filed a complaint against XXXX XXXX XXXX, whom removed this SAME COLLECTION from my credit report with all 3 Credit Bureaus, and sold my information to SOURCE RECEIVABLES MNG, whom are currently listed on my credit report as a collection. XXXX XXXX XXXX, has since been REMOVED from my Credit Report. They responded by attaching an evidence of indebtedness with XXXX as the original creditor. I never gave consent for XXXX to sell or furnish any of my personal information! My life is at a halt right now because I am being oppressed by these criminal and fraudulent acts being executed by the two parties. These two parties are knowingly and willingly breaking laws and violating codes of the United States. XXXX knows that the alleged debt arising from this consumer credit transaction was paid in full in accordance with the law.. 16 cfr 433.1, 16 cfr 433.2.. In nexus with this account ( an account that should been in accordance with 12 cfr 1002.2 ( a ), I gave a negotiable instrument per UCC 3-104 ( b ) so for XXXX to continue to try to collect further payment from me, the consumer and debtor, proceeding that is unlawful ; Them reporting negatively to other parties about me is unlawful ; Them calling me or my account " delinquent '' is them implicating that I, the consumer, did something disgraceful and is in turn, a violation of 15 usc 1692e ( 7 ). They know they are reporting false information ; 15 usc 1692e ( 8 ) .. For them to continuously use a false representation and deceptive mean to collect or attempt to collect any debt from a consumer is a blatant violation of 15 usc 1692e ( 10 ). A complaint has also been made with the FTC regarding this account and debt collectors.
09/10/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 11432	Web
SOURCE RECEIVABLES MNG XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious SOURCE RECEIVABLES MNG XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, NY XXXX
09/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76179	Web
REF XXXX IM FILING THIS COMPLAINT AGAINST XXXX XXXX XXXX. THIS DEBT COLLECTION COMPANY IS CRUEL RUBBED VIOLATED MY RIGHTS. THIS COMPANY HAS VIOLATED THE FCRA LAW. THIS COMPANY SENT ME A ALLEGE DEBT FORM FROM XXXX TO COLLECT A DEBT. ACCORDING TO THE FORM STATING TO SEND IT BACK BY XX/XX/2023 TO DISPUTE THE DEBT. AFTER I HAVE RECEIVED THE LETTER, I FILLED OUT THE FORM BY I WANT TO DISPUTE THE DEBT BECAUSE I THINK THIS IS NOT MY DEBT AND SEND IT ON XX/XX/2023 back. THE COMPANY RECEIVED MY LETTER ON XX/XX/2023 TRACKING NUMBER XXXX. HOWEVER THE COMPANY WISHED TO REPORT THE COLLECTION EVEN BEFORE THE ORGINAL DATE WHICH WAS XX/XX/2023. THE COMPANY REPORTED THE COLLECTION ON XX/XX/2023 VIOLATED MY RIGHTS. AS OF TODAY ANOTHER DEBT COLLECTION COMPANY SOURCE RECEIVABLE MANAGEMENT HAS REPORTED TO MY CONSUMER REPORT. 15 U.S.Code 1681s-2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. The information is, in fact inaccurate. violation of Law 15 USC 1681 s-2 of your responsibilities as a furnisher of informations, and 15USCode 1681q Obtaining information under false pretenses. ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES SHALL BE FINED UNDER TITLE 18, IMPRISONED FOR NOT MORE THAN 2 YEARS, OR BOTH. You have caused me and my family severe harm due to your negligence and inaccurate reporting. YOU WILLFULLY KNOWINGLY REPORTED THIS COLLECTION TO THE CONSUMER REPORTING AGENCIES TO HARM ME. ITS OBVIOUSLY SHOWING THAT IT WAS DONE. I WILL SUE YOUR COMPANY FOR VIOLATING MY RIGHTS.
07/28/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA XXXXX	Web
In a recent review of my credit report ( XXXX XXXX, 2016 ) I noticed a collection agency ( Source Receivables Management ) that I have no recollection of, placed a collection account on my credit report alleging that I owe a balance of {$230.00} resulting in a derogatory trade line. Source Receivables Management NEVER contacted me via phone nor mail regarding this collection account prior to placing the account on my credit report. Under the laws mandated by the Fair Debt Collections Practice Act ( FDCPA ), and pursuant to 809. Validation of debts [ 15 USC 1692g ], I am entitled to be privy to this information prior to a collection account negatively impacting my credit report. As a consumer who is familiar with the laws and regulations regarding collection agencies and credit reporting, I knew my consumer rights were violated by Source Receivables Management once I saw the collection account trade line on my credit report and never received any formal documentation in the mail, nor was a phone call ever received prior to SRM placing the collection account on my credit report. Immediately after I was aware of the negative trade line placed on my credit report by SRM, I mailed SRM a certified letter ( XXXX XXXX ) with a return receipt ( tracking # XXXX XXXX XXXX XXXX XXXX ) informing SRM of their FDCPA violation and requesting formal validation with proof that this is my account that I owe SRM, and to immediately cease all collection efforts as SRM did not comply with the FDCPA while attempting to collect on this debt. To this date, I have not received any documentation in the mail, nor has any communication been made with me from SRM in an effort to validate the debt. In addition to my efforts at trying to acquire validation of this debt from XXXX, I have also had an attorney mail out formal notarized letters on XXXX XXXX and XXXX XXXX requesting validation and to no avail, our efforts have been unsuccessful and SRM still has not communicated with myself nor my attorney. I also filed a formal complaint with the XXXX of North Carolina/XXXX on XXXX XXXX and am still awaiting a response. At this time I am reaching out to the CFPB to assist me with getting SRM to comply with the FDCPA laws.
01/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32570	Web
On XX/XX/2020, I received a letter from SRM collection agency regarding an outstanding debt for {$550.00} with XXXX, which they implied was mine. I have never had an account with XXXX or ever used, or co-signed for someone else to use, their services in any way. The name on the account was for someone with the same first and last name as mine was prior to my marriage ( and name change ) which was years prior to the original opening of the subject delinquent XXXX account. Although I live in the same state as the apparent person who opened the delinquent account, I reside over XXXX miles from the location it was initially opened/activated from. I have also never lived in that part of the state. I have never even had a phone number within the area code of the number associated with the delinquent account, much less the exact number itself. On XX/XX/2020, I sent SRM a letter disputing the debt. I requested additional information regarding the debt and clearly informed them it was not mine. I later received a letter from SRM, dated XX/XX/2020, further accusing me of the debt and providing me some additional information as requested. I sent them another letter XXXX dated XX/XX/2020 XXXX providing additional information as to why it is not my debt and that I have considered the matter closed as far as I am concerned. I received another letter XXXX XX/XX/2020 ) from them, now saying that I had indicated that I was victimized by identity theft. I never said that. I do not believe this is due to identity theft. I honestly believe they are simply accusing me of this debt because, in the past, I had the same first and last name, at one time, and, I happen to live is the same state as the actual guilty party. It appears to be poor or sloppy research on their end as they are absolutely accusing the wrong party of this debt. Please help get this collection agency to realize I am not the individual responsible for this account. I never opened it, used it, or ever even had an account with XXXX in my entire life. I consider this matter closed as far as I am concerned and truly wish they would stop accusing me and focus their efforts on locating the actual guilty party.
10/31/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33071	Web
A company called Source Receivables is not providing me with the supporting documentation I am requesting to back up their claim. On XXXX XXXX, XXXX, I received response letters from their company but they did not provide sufficient legal validation of the debt they are referencing. They are reporting that I have an unpaid debt with them of {$840.00} but I have never done business with them and I have yet to receive any paperwork showing that I signed, and agreed to pay their company directly. The account number on my credit is : " XXXX ''. I sent the attached response to them on XXXX XXXX, XXXX via certified mail which I also have the receipts for and will be attaching as evidence. To this date, I have not received a proper response to my claim. This is not the only issue I am facing. This is the second company to pursue me for this same exact debt in less than a year 's time. There is another company called " XXXX XXXX '' who is also claiming to collect on behalf of the same creditor for this same exact amount, {$840.00}. I am attaching a screenshot from a recent report which shows the name of this second collection company who is also trying to pursue me for this debt. Their account number is # XXXX. HOW can there be two collection companies trying to collect for the same debt on my credit? How can this be possible? I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this companies like this. Source Receivables has a 100 % negative review rating and several consumer complaints listed on the Better Business Bureau 's website. The other collection company has even worse reviews. In addition, the Better Business Bureau website lists Source Receivables as a company based in XXXX, North Carolina. I have never lived in North Carolina in my life. I will not give my money to any company I do not recognize and can not provide me with paperwork showing that I signed and agreed to pay them directly. I also do not feel comfortable having two collection companies who have my address and other possible personal information out there that I have not authorized them to have.
07/29/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 017XX	Web
XX/XX/2019 a 93A Demand notice was sent to Source Receivables informing them their listed collection on my credit report was in violations of the below law with a demand for removal of account. They had 30 days to take action from point of receipt. They failed to remove their listing. Under Massachusetts state law, a debt collector may only report on a consumers credit report while using the name of the creditor only. Source Receivables is reporting under their own name. 209 CMR 18.17 : Unfair Practices : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of 209 CMR 18.17. ( 11 ) For a debt collector to report to a consumer reporting agency on its transactions or experiences with a debtor in the debt collectors name. However, a debt collector may, with the express written authorization from the creditor, report to a consumer reporting agency in the creditors name. 940 CMR 7.07 : General Unfair or Deceptive Acts or Practices : It shall constitute an unfair or deceptive act or practice to engage in any of the following practices to collect or attempt to collect any debt : ( 15 ) Using any business, company or organization name other than the true name of the creditors business, company or organization ( 21 ) Reporting to a consumer reporting agency on transactions or experiences with a debtor in a name other than that of the creditor XX/XX/2019 a second notice was sent via certified mail informing them of their illegal actions for continued reporting and failure to reply to a 93A Demand. They failed to remove their listing and failed to provide a proper reply. XX/XX/2019 a third notice was sent via certified mail. They failed to remove their listing and they failed to reply. Overall : Source Receivables is reporting illegally to the bureaus. Under mass law after receiving a 93A Demand notice they were legally obligated to not only reply but also to take action in regards to their illegal activity. They have continued to break the law in effort to collect on a debt they have not validated.
11/09/2023	Yes	Debt collection Telecommunications debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 76179	Web
XXXX XXXX Amount {$2200.00} This is my final written notice to you before filing a lawsuit against your company for violations. My first letter was sent to you back in XXXX to validate the alleged debt and permissible purposes error and fraud. The company did not provide me with the original contract as requested. This company is still attempting to do business with them. Submit all documents you used to create this frivolous account on my credit report. Without my consent you sent and created this debt on my credit report. Let me explain you have used my identifiable information without my signed agreement between me and your agency. That express mutual assent from both parties. This is the penalty you are going to face under the 18 usc 1028A aggravating identity theft United States v Kuc737 F3d 129,134. After this agency received my complaint, they responded back on XXXX XXXX that they would recalled and returned it to the original creditor. Cfpb case number XXXX. Although this agency stated that they would cease this alleged for which they were unable to proof, they contacted me on XXXX XXXX at XXXX central time. Violation. And today XXXX XXXX at XXXX XXXX central they have contacted me again. Attached Screenshot call Consumer Enforcement as Administrative Counter Claim by Private Right of Action Notice to Source Receivable management, I am that I am the consumer in fact, natural person, original creditor, XXXX, executor, administrator, holder in due course for any and all derivatives therefore for the surname/given name XXXX, consumer, and I have been appointed and accepted being the executor both public and private for all matters for proceeding, I hereby claim that I will d/b/a Consumer, XXXX, and autograph as the agent, attorney in fact, so be it. Whereas I of age, of majority, give this herein notice to all, I make solemn oath to the one and only. most high of creation only, whoever that may be and depose the following fact, so be it, now present : No other agency can do business with my name. According to the FTC YOU ARE banned from participating in the business of debt collection. You are facing some serious violations.
09/16/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30041	Web	Servicemember
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; 2. The agreement bearing my signature stating that I have agreed to assume the debt ; 3. Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4. Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed ; 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Sincerely, XXXX XXXX
01/17/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60613	Web
In XX/XX/XXXX I became aware that I had been a victim of identity fraud and had multiple consumer accounts opened under my name. While I was able to place a fraud alert on my credit report and resolve and close a majority of them with no issue, an account with XXXX I have not been able to resolve. In XX/XX/XXXX I filed a report with the FTC and mailed it along with the fraud packet with per the process on the XXXX website, which resulted in nothing. I spent a few phone trying to speak with a rep about it and was transferred in circles getting nowhere. During the same time I received a letter dated XXXX XXXX, XXXX from XXXX XXXX XXXX stating that the fraudulent XXXX account had been placed in collections with a total of {$450.00} due XXXX document attached ). In XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating that the collections account had been placed with them for a new total of {$2200.00} XXXX document attached ). Around this time I contacted a law firm for help and requested my credit report from the major bureaus, all which had the collections account reported. I was also receiving multiple calls a day from the company. XX/XX/XXXX I received a letter from Source Receivables Management stating that the collection was now with them for the same amount ( doc attached ). On XX/XX/XXXX I sent a debt dispute letter to them. All communications trying to collect the debt stopped and I thought it was taken care of. In XX/XX/XXXX I was unable to lease a car without a co-signer because of my credit score from the collections account still being on my XXXX report. XX/XX/XXXX - I filed an initial dispute with XXXX about the account. XX/XX/XXXX - XXXX replied and confirmed the account was accurate. XX/XX/XXXX - I filed a second dispute, with supporting documents ( written statement attached ). XX/XX/XXXX - Another fraud alert was placed on my report XX/XX/XXXX - Received mail from XXXX about the second dispute investigation stating the collections account is " Not Specified '' and still on my report. I have also taken steps to file a police report to send as documentation if necessary.
02/12/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 85713	Web
Reference # XXXX I am disputing the whole amount I am being charge {$200.00} plus any fees associated with this. The XXXX account XXXX associated with this charge, dates from XX/XX/XXXX. On XXXX contacted XXXX, to let them know that I was having trouble with my service, dropping calls and I had no data access even though I was on the unlimited plan, XXXX from technical support gave me ticket # XXXX, said this issue should be fixed and ticket to be completed in 72 hours. On XX/XX/XXXX contacted XXXX again with the same issue and other questions regarding my bill. XXXX from Tech took the call. XXXX decided to send me a mobile hot spot so I would not drop calls at home or near my house. In XXXX I decided to leave XXXX and returned the mobile hot spot. XXXX doesnt not have a very effective way of keeping track of certain transactions and they failed to credit my account. On XX/XX/XXXX I noticed that I had been charged approximately {$200.00} ( XXXX XXXX dollars extra ) I contacted XXXX and I spoke to XXXX and XXXX, one was a supervisor, I asked why the {$200.00} extra charge? I asked him to find out if they had received the mobile hot spot, XXXX said that a port in Texas had received on XX/XX/XXXX at XXXX am Received by XXXX XXXX Delivered to XXXX XXXX Tx XXXX Dock Tracking number : XXXX Again, XXXX has made me waste so much of my time, has put a lot of stress on my life, has given me so much anxiety for the threat that they are going to send this collection and ruin my credit. XXXX received this device shortly after I cancelled my service with them in XXXX. If they had well trained and reliable workers and a reliable way of keeping track of transactions and mainly of returned devices. I believe XXXX has committed lots of fraud with many other customers who do not keep records, those customers either take the hit on their credit report or pay XXXX what they dont owe. I wanted to fight this case because I did not find it fair to have XXXX ruin my credit nor have to pay XXXX for a device ( mobile hot spot ) that I do not owe.
12/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	AZ 85006	Web
I moved out of an apartment but the gas bill was not transferred correctly to the new tenant. As I had moved out of state, I received no bill for the months that the service was being billed incorrectly to me. I had no idea that the mistake had occurred for over a year, when I received a call from Source Receivables credit agency notifying me that they were attempting to collect a debt. I initially spoke with XXXX ( employee ID unknown ), who told me that if I paid in full that day the issue would not impact my credit, but that if I chose to wait and dispute the claim with the gas company it might negatively impact my credit. I chose to pay the claim in full to avoid potential consequences to my credit. I left the call feeling as though this was a positive encounter. A few months later, I came to learn that the claim was still showing up on my credit report despite my having paid it in full, and that it was negatively impacting my middle credit score. This was surprising to me, as I had been told by Source Receivables staff that the claim would have no impact on my credit if paid in full that day. At the urging of a financial adviser, I called company and asked them to remove the record as the account had been paid in full. The original person I spoke with, XXXX, transferred me to her supervisor, XXXX ( Employee ID # XXXX ). XXXX was extremely rude and aggressive on the phone and told me that he would not remove the claim under any circumstances. When I asked for more information about what would be needed to have this record removed, he would not provide me with more information. When I asked to speak with his supervisor, XXXX refused. When I inquired about the company 's grievance process, XXXX refused to provide information about this process. I feel as though was lied to by Source Receivables staff about how this information would impact my credit, and then was denied access to critical information about how to file a grievance against lying, rude, and aggressive employees.
04/01/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75010	Web
This company has knowingly and inaccurately reported information to the 3 CRA 's. I have asked that they provide documentation proving that this debt belongs to me to which they provided documentation claiming that XXXX is the original owner of this account along with lease agreements with my name on it. However, the information provided by SourceRM is very much conflicting with the information received from XXXX. Upon speaking with a XXXX Representative, IN STORE, I was provided with documentation that DOES NOT match the information provided by SourceRM. SourceRM claims that the account was opened in Colorado with the purchase of a black XXXX on XX/XX/XXXX and a rose gold XXXX XX/XX/XXXX. One with a typed signature the other with a hand written signature. Yet, the store Representative at XXXX provided a completely different lease agreement with my name on it for an account due to the purchase of a RED XXXX kit 128 gigabytes purchased on XX/XX/XXXX at a XXXX XXXX in XXXX XXXX Florida also, with a typed signature which coincidentally was also not purchased by me. I provided this documentation to SourceRM as well as XXXX in effort to have them do a thorough investigation of said accounts, and have also filled out the XXXX identity theft affidavit along with a police report and have mailed it back of to XXXX to no avail. I have also attached the print out that I received from XXXX as further proof, that these accounts are fraudulent and that neither of them were thoroughly investigated by either XXXX nor SourceRM before knowing and illegally reporting false information to my consumer credit reports. Additionally, because of this conflicting and unverifiable information, I ask that this trade line be removed from all three credit reporting agencies or I will be immediately filing a complaint with the Federal Trade Commission and the Texas Attorney Generals office. I would prefer not to have to use the courts to resolve this matter. Respectfully, XXXX XXXX
07/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NC 27403	Web
I received a phone call from a debt collector on XXXX XXXX stating I owed over {$200.00} to an apartment community. I was confused as I have not lived there for over one year and received nothing in the mail regarding any debts. I made clear to the young lady that I was unaware of a debt and would like some documentation showing that I do owe this amount. I told her my new address and she promised to send something to me soon. Today XXXX/XXXX/15 I received another call from the same debt collection agency. I explained my last conversation to this new agent. He responded with very abusive language calling me a liar. He said there was no way the other agent would have ever said that and " If you do n't have the money, just say so. Do n't lie about it '' He became so aggressive, I had no choice but to end the phone call. A co-worker decided to offer me some help and we called the agency together. The first person we spoke with, XXXX, confirmed that the original agent who contacted me did not submit the request for validation. One was submitted this morning by the abusive agent. XXXX added notes to the account and transferred us to a manager who was awful. Both of these conversations are recorded. The manager XXXX XXXX? ) repeatedly talked over both of us eventually devolving into shouting. We repeatedly attempted to tell him that I have still not received any documentation validating the debt. He shouted over and over that one was mailed in XXXX and that they were only required to send one. We again told him it was not received ( he said we were lying ) and that the original agent had failed to submit the validation request. His timeline of events and tone of voice changed drastically once I informed him that a recording of our conversation would be sent to the Attorney General. We had no choice but to end the phone call as it was clear this would not be resolved. There is much more to this incident but one can not understand without hearing the recordings.
10/06/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 93635	Web	Servicemember
This fraudulent account was at one time disputed and removed/deleted from my credit file Now it is listed again on my credit file under a different creditor/ account number, Same company XXXX. Initially it was opened under a XXXX XXXX for his credit under my name Fraudulently. Here is proof below : XXXX Prepared for XXXX XXXX XXXX Personal & Confidential Date Generated XX/XX/XXXX Report Number XXXX divider About Dispute Results Our reinvestigation of the dispute you recently submitted is now complete. If we were able to make changes to your credit report based on information you provided, we have done so. Otherwise we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary. If an item you disputed is not in the list of results below, it was either not appearing in your credit file or it already reflected the requested status at the time of our reinvestigation. Here are your results SOURCE RECEIVABLES MNG Account XXXX This item was removed from your credit report. Please review your report for the details. XXXX icon Deleted You can contact SOURCE RECEIVABLES MNG at XXXX XXXX XXXX XXXX XXXX, XXXX , NC XXXX or ( XXXX ) XXXX After your dispute : This item was removed from your Credit Report. Before your dispute : Account Name SOURCE RECEIVABLES MNGMN Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1100.00} past due as of XX/XX/XXXX. Status Updated XX/XX/XXXX Balance {$1100.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ XXXX Monthly Payment {$0.00} Original Balance {$1100.00} Highest Balance {$0.00} Terms 1 Months On Record Until XX/XX/XXXX Payment History
12/05/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 32905	Web
SOURCE RECEIVABLES M ACCOUNT NUMBERs : XXXX XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you SOURCE RECEIVABLES M or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SOURCE RECEIVABLES M or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
01/12/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32073	Web	Servicemember
XX/XX/XXXX - My wife and I decided to switch from XXXX to XXXX XXXX XXXX. Sprints service was very spotty when I was XXXX overseas. XX/XX/XXXX - We make the switch to XXXX XXXX XXXX and pay off our phone contracts with XXXX XX/XX/XXXX - XXXX sends an email asking us to return and promising monetary compensation for returning. XX/XX/XXXX to XX/XX/XXXX - XXXX continues to send us bills even though we remind them each time we have paid for our phones in full and paid our final bill. XX/XX/XXXX - I am informed that XXXX has sent the bill to collections. XX/XX/XXXX - XXXX XXXX XXXX contacts us. I explain that the bill should have never been sent to collections with evidence XX/XX/XXXX - I begin the dispute process with the 3 credit bureaus. XX/XX/XXXX - XXXX investigated and deleted the account from my credit report. XX/XX/XXXX - XXXX investigated and did NOT delete the account from my credit report. They instructed me to contact CFPB with my evidence. XX/XX/XXXX - XXXX investigated and deleted the account from my credit report. XX/XX/XXXX - XXXX XXXX XXXX contacts us. I explain I have disputed the account, successfully have gotten it removed from 2 out of 3 reports, and I will keep working to get it removed from the third. XXXX XXXX XXXX threatens us that they will keep shopping around the debt and keep reporting to all the credit bureaus if we dont pay. XX/XX/XXXX - My XXXX XXXX contract ends. I began the process of switching to the reserves to continue to serve my country. To do so, I am required to hold a secret security clearance. Having this account in collections threatens my clearance. I am very concerned I will not be able to provide for my family because of this false debt. XX/XX/XXXX - I received another collections attempt from a different company called Source Receivables Management which leads me to believe XXXX XXXX XXXX has followed through on their threat.
06/10/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 76133	Web
In XX/XX/XXXX, I switched cell phone providers from XXXX to XXXX. I called XXXX, who I had been with for 10+ years, to cancel my service. I had 2 leases XXXX on my account, which needed to be returned to XXXX upon cancellation. The customer service representative at XXXX asked if I would like a return kit sent to me in the mail, or if I wanted to return the phones to a company owned XXXX store. I told her I would return them to the XXXX store, and she directed to the the store at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, TX. I returned the 2 phones, in person, at the location that the XXXX employee directed me to. I have email confirmation from an employee at that location confirming that the phones were returned. I then received a bill from XXXX for {$440.00} for not returning the phones. I called and explained that I returned the phones, and was told the charges would drop off of my bill. 2-3 months later the unpaid balance showed up on my credit report. I called again, explained the situation, told them I had an email confirmation of the phones being returned, and was told a supervisor would return my call. I never received a return call, but the charge dropped of my credit report, so I assumed the issue was taken care of. I havent received a bill or any communication from XXXX since XX/XX/XXXX. However, I now show the unpaid collection balance of {$440.00} on my credit report. Ive tried to deal with XXXX directly to resolve this issue, as I followed the instructions given to me by the company on how to cancel service and return equipment, I have an email from XXXX confirming the return of the phones, but Im being charged, and my credit negatively affected by the companies disorganization and unfair billing practices. Not to mention that they have failed to notify me of an outstanding debt for the last 15 months, and then proceeded to place the account in collections on XX/XX/XXXX
06/28/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30097	Web
There is a debt from XXXX in the amount of {$2400.00} that I have to keep disputing and requesting validation on for the the past year or so. In XX/XX/2020 XXXX sold this debt to a company named XXXX XXXX ; who failed to validate the debt and was deleted from my report. Then XXXX decided to sell the {$2400.00} debt to XXXX XXXX XXXX in XX/XX/2020 ; and in turn they failed to validate the debt and was deleted from my reports the 2nd time. Now going on the third attempt ; XXXX has decided to sell this {$2400.00} debt to Source Receivables Management company in XXXX, NC. I have sent out a certified letter to this new company to validate this debt XXXX debt for {$2400.00}. I am tired of XXXX keep going from different collection companies ; trying to collect a debt they failed to validate twice already. I have asked them several times to provide the following items below for validation : An explanation of what this alleged account balance is for. A calculation of this balance ; including the complete payment history on this account, so I have proof that the amount is correct. Documentation showing, I agreed to pay this debt The Agreement that grants authority to collect on this alleged debt. A copy of your state license, including license number. XXXX has violated my consumer rights and failed to validate this debt at my request ; which is an FDCPA violation and they continued to report a disputed debt which is an FCRA violation. The FCRA requires the company and bureaus to verify the validity of this debt within 30 days. If the validity can not be confirmed, they are obligated by law to remove it from my credit file. Since they have failed so many times I am asking that they cease sending me collection letters from several different companies trying to collect a debt that does not belong to me and I have provided documentation stating this does not belong to me.
09/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60651	Web
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # : XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Source Receivables Management violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 ).
09/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93536	Web
The company, SOURCE RECEIVABLES MANAGEMENT, purchased a debt from another company and I had no involvement with the transaction according to 15 USC 3002 I am an natural person which means my name in all caps is not me. My name is XXXX XXXX. 15 USC 1692 ( a ) ( 1 ) the term " Bureau* means the bureau of consumer financial protection . XXXX, XXXX, XXXX, and XXXX are assumed to be credit bureaus and their is only one bureau and that is the consumer financial protection bureau. On XX/XX/1933, congress enacted hjr-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress... In the payment of debts. This resolution declared that any obligation requiring " Payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ) ( elthe term 'investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Payment is legal tender for public and private debts. 15 USC 1681 c2a
09/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93536	Web
The company, Source Receivables Management, purchased a debt from another company and I had no involvement with the transaction. According to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is XXXX XXXX. 15 USC 1692 ( a ) ( 1 ) the term " Bureau* means the bureau of consumer financial protection . XXXX, XXXX, XXXX, and experian are assumed to be credit bureaus and there is only XXXX bureau and that is the consumer financial protection bureau. On June 5, 1933, congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress... In the payment of debts. This resolution declared that any obligation requiring " Payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ) ( elthe term 'investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Payment is legal tender for public and private debts.
05/17/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78753	Web
I am writing to express my profound concern and dissatisfaction with the service provided by Source Receivables Management. On XX/XX/2023, I mailed a debt validation letter to the debt collection agency using Certified Mail. However, as of today 's date, XX/XX/2023, I have yet to receive an acknowledgement or response. The lapse of over 30 days without a response represents a clear violation of the Fair Debt Collection Practices Act ( FDCPA ). According to this federal law, a debt collector is obligated to respond within 30 days upon receipt of a debt validation request. Regrettably, Source Receivables Management has failed to comply with these legal obligations, causing me significant concern. Furthermore, in accordance with the FDCPA and given the lack of response to my debt validation request, I insist that the alleged debt collection be promptly removed from my credit reports from all three bureaus, namely XXXX, XXXX, and XXXX. This is an essential step to rectify the situation and mitigate any potential harm to my credit standing. I respectfully request immediate attention and action on this matter. I hope to receive the necessary validation or a satisfactory resolution expeditiously, without further delay. This letter serves as a formal complaint against Source Receivables Management and a reminder of your obligations under the FDCPA. I will also escalate this to the office of the Texas Attorney General, XXXX XXXX, as well as the Federal Trade Commission. Attached are three documents : 1. An email showing that the debt validation letter sent via certified mail was delivered. 2. A copy of the debt validation letter. They have not responded for more than 30 days. 3. A screenshot on the USPS website showing that the letter was delivered and picked up by the recipient. Thank you for your prompt attention to this pressing matter.
04/17/2019	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	TX 76112	Web
My wife and I are in the process of buying a home and when doing a credit check for a Mortgage we were denied. The representative then referred us to a credit advisor who told us much to our surprise that the biggest thing holding us back was a {$120.00} XXXX ( the cell phone co. ) bill now in collections. I say surprise because when we left XXXX in early XX/XX/2017 we thought everything was settled, we even had verbal confirmation from one of their store reps that everything was up to date and good. This apparently was not the case. Not only did we have no idea of this debt, we did not receive any information from XXXX or a collections agency. Honestly if it wasnt for the advisor we probably would have never known how damaging this was to my credit. With all that being said I do want to make good on my debts. So I contacted XXXX and told them I want to get them off my credit report and to give me the figure to make them disappear, which was the amount said earlier. XXXX told me if payed in full that it would be deleted from my credit report. I was then told by XXXX to contact the collections agency handling this case. While discussing this issue with the collections rep I was told that it would not be deleted, that the best they could do is report the debt as been paid in full. Something about that just did sit well on my mind. So without paying I called my credit advisor to tell them this scenario. They said with us not even knowing about this debt, not receiving any information from collections, and the denial of deleting this from my credit report, to file a complaint and dispute this case. Which is where Im at now. I am willing to pay any and all debts I owe, but under these circumstances I dont believe this particular debt should be on my report. Account information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX
06/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 925XX	Web
I had been a long time customer of XXXX wireless. In XXXX of XXXX I moved to XXXX and found there was not XXXX XXXX. I contacted XXXX and was let out of my contract due to lack of service. I was sent an envelope, mailed my phone back to them, and paid my final bill. Several months later, I was charged for the phone. I contacted XXXX and explained to them that I returned the phone. Several months after that I began being harassed by a collection agency ( I no longer have the name. ) In XXXX, I filed a complaint with the XXXX. I never received a response from XXXX but the collection dropped off of my credit report. However, it now appears that a new collection agency or agencies are attempting to collect this same false debt. These collection agencies are Source Receivables XXXX, through XXXX, and XXXX XXXX XXXX through XXXX XXXX of these collection agencies are located XXXX. However, one has a physical address while the other lists a PO BOX XXXX They have different phone numbers. These collection agencies claim that the account was opened in XXXX of XXXX and became late in XXXX of XXXX. However, the exact dates differ between XXXX These incorrect dates are a fraudulent attempt to draw out the period of time that a collection can appear on my credit. There are numerous illegal issues here and they appear to apply to several companies. First, I do not owe XXXX any money. XXXX is at fault for falsely claiming that I do but also for falsely extending my contract by dropping my XXXX XXXX XXXX discount and then changing the start date of my contract from the time I renewed the contract to the time I asked for them to reinstate the discount, a matter of several months. Source Receivables XXXX and XXXX XXXX XXXX are attempting to collect a debt that I do not owe and in doing so have tried to strong arm me by using unfair business practices.
02/18/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30297	Web
I have been disputing with Source Receivables Management against inaccurate and unverified collection account on my credit reports. I have sent letters informing them that I am unaware of this account with them, sent debt validation letters for proof and evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay the alleged debt to them. I have attached most of those documents that I have sent to them. I have yet to receive any response from them with the proper proof. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of any alleged debt a business says that I owe it. It also states that upon receiving this validation letter, one must cease from collection calls, letters, and efforts and delete the account from my credit files until the debt can be validated. This is a clear violation of the FCRA. Also, the bureaus have been reporting collection agencies own the same accounts. With XXXX, as of XX/XX/18, it shows that Source Receivables Management collection agency owns XXXX XXXX at {$1200.00}. However, XXXX, as of XX/XX/18, shows Source Receivables Management collection agency owns XXXX XXXX at {$1200.00}, and Receivables Performance Management collection agency owns the same XXXX XXXX account listed with Source Receivables at {$770.00}. It is a violation of FCRA law to report various inaccurate and unverifiable collection accounts owning the same accounts with different balances within the same 30 day period. I have included pictures of my credit reports to verify my claim on this. Please help me to get Source Receivables to delete these inaccurate and unverified accounts from XXXX, XXXX, and XXXX. I have been fighting with them about these accounts for over three months.
04/01/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	WA 98226	Web
I 'm am disputing this debt and have filed a complaint with Washington State Attorney 's Office against XXXX. XXXX and Source Receivables Management XXXX for Breach of Contract ; Failure to Providing Service ; Bait and Switch Sales Tactics of Ipad Contract and Billing ; not providing me with a written contract when asked ; unauthorized use of my digital signature ; providing only a Ipad contract which I do n't own a Ipad, and Double Billing. Failure to act in good Faith by not responding under Contract Law, and Bait & Switch Sales/Billing Tactics. This is the third time I 've asked for information of reported debt filled by XXXX, and they would n't respond to the Washington State Attorney 's Office ; and which XXXX drop the claim. Then I get hidden post card mail from the other collection agent, that looks like junk mail in my junk mail from Source Receivables Management XXXX saying XXXX has filled a Debt Claim. If XXXX does n't response to the State Attorney 's office or Federal Agency 's Complaints how can the they really be acting in good faith during the sales and service process. I 'm asking XXXX and Source Receivables Management XXXX to provide the full names and information of all Agents representing XXXX that where responsible for the negotiation of the implied legal Ipad contract and security procedures for my digital signature. Information on XXXX training/licensing program for Agents representing XXXX during negotiating legal contracts with the public and/or consumers. The Full names and Titles of the Agents representing XXXX in contracts, communications, and not abbreviated names like ( XXXX ) example. The Agents names, titles, contact information of XXXX department or the department responsible for overseeing debt collection and all legal contract matters. XXXX XXXX XXXX, KY XXXX
10/22/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 90049	Web	Older American
The company in question is : XXXX XXXX XXXX XXXX XXXX, Florida XXXX ( XXXX ) XXXX My husband and I have been customers of XXXX since XXXX. We have had four separate accounts- two on our primary residence and two on a 2nd home. We sold the 2nd home the end of XX/XX/XXXX. Of the two XXXX accounts on that property, one was for the main house and the second for a guest unit. In early XX/XX/XXXX I contacted XXXX to inform them of a pending sale and to close both accounts as of XX/XX/XXXX, a month after the escrow was to close. In the meantime ( just in case escrow did not close ), I paid the {$840.00} due for XXXX XXXX XXXX XXXX for the alarm system in the main house ( see attached statement and proof of payment including the bank statement ). Escrow did close the end of XXXX and XXXX closed the two accounts as of XXXX XXXX. We were to receive a refund for the unused portion of {$840.00} which to this day we have not received. I contacted XXXX about this multiple times. Each time I was told that the accounts were closed. On XX/XX/XXXX, I received a statement in the amount of {$910.00} for the closed main house account ( see attached ). I called and spoke with XXXX at XXXX. He confirmed that the account was closed on XX/XX/XXXX and that we did not owe anything to XXXX. He gave me the confirmation number XXXX. On XX/XX/XXXX, I received a notice from Source Receivables Management ( debt collector ) for {$79.00} ( see attached ). I called Source Receivables and asked why this was sent and I was told to call XXXX. On XX/XX/XXXX I called XXXX and was told by XXXX XXXX XXXX that I did not owe anything and that I would get my refund within 7-10 days. He also said that I would receive a letter from XXXX. He sent me an email which is attached. I have not received an official letter.
09/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76179	Web
Please be aware this is my second complaint. Every individual every debt collector has to OBEY the law. This Business still has not provide original contract as requested. This company is attempting to do business with them. Please submit all documents that you have submitted to consumer reporting agencies. That you used to create this frivolous account on my credit report. I have reason to believe that you unlawfully obtained my personal identification information. Without my prior consent, which, you have used to create this debt on my credit report. Let me explain, if you have used my Name and any other personal identifiable information such as : a social security card, driver license, or my address. Without a signed agreement between me and your agency. That expresses mutual assent from both parties. Then you are facing some serious penalties under the UNITED STATES CODE. Pursuant 18 USC 1028A Aggravated identity theft. ( See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) " Pursuant to 18 U.S.C . 1028A ( a ) ( 1 ), a person is guilty of aggravated identity theft if, in relation to any crime listed in 1028A ( c ), he " knowingly... uses, without lawful authority, a means of identification of another person. '' The statute defines the term " means of identification ''. To mean " any name or number that may is used alone, or in conjunction with any other information. To identify a specific individual, including any name, social security number, [ or ] date of birth. '' Meaning if you used 2 separate forms of identification without my consent. Then you committed aggravated identity theft under 18 USC 1028A. If you delete this trade-line then i will drop my claim. You have 3 days to delete this frivolous account if you fail I will file a claim against your unlawful company.
12/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20852	Web
On XXXX XX/XX/XXXX I sent the dispute letter to the collection agency and I still have not have not heard from them, so In addition I want to write another letter as shown below to dispute the debt. YOU ARE IN NONCOMPLIANCE OF THE FAIR DEBT COLLECTION PRACTICES ACT It is a fact that Congress enacted the Fair Debt Collection Practices Act ( FDCPA ) to eliminate abusive debt collection practices by debt collectors and to protect consumers like myself against debt collection abuse. Your company is using abusive, deceptive, and unfair debt collection practices which has contributed to the invasion of my privacy. I did not give your company consent to communicate with any person including the consumer reporting agencies any of my private information which includes information on the above referenced account. It is not permitted by law for your company to communicate with the consumer reporting agency as I did not give written instructions for you to have permissible purposes to furnish any of my information. Since, I did not consent to you have my private information which includes identifying information such as my name, address, and account number, your company has committed aggregated identity theft which is punishable under 18 U.S. Code 1028A. You have invaded and breached my privacy which violates The Privacy Act of 1974. I am instructing you to delete my private information from your company files, delete this account from my consumer report with XXXX, XXXX, & XXXX and cease all abusive and deceptive collection attempts immediately. You have 10 days to request for this information to be deleted from my consumer report. Failure to do so will result in me taking legal action against your company for damages, willful noncompliance, privacy breach and much more.
04/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX XXXXX	Web
I have contacted Source Receivable Management informing them that I know nothing about this alleged account yet they lie and insist that they have sent notices yet I have never received them. I have never dealt with this company or any company that they represent. Even after I informed them that I knew nothing about this account they have failed to supply any proof bearing my signature of this alleged debt. So Source Management you have failed to supply the proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. A billing statement is not proof. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument BEARING my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine AND REMOVE FROM MY CREDIT FILE AND SEND BACK TO THE CREDITOR. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for you collection of this alleged debt? 4. Please send evidence your authorization to do business or operate in the state of Texas? 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument BEARING MY SIGNAATURE.
04/09/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 76112	Web
My wife and I are in the process of buying a home and when doing a credit check for a Mortgage we were denied. The representative then referred us to a credit advisor who told us much to our surprise that the biggest thing holding us back was a {$120.00} XXXX ( the cell phone co. ) bill now in collections. I say surprise because when we left XXXX in early 2017 we thought everything was settled, we even had verbal confirmation from one of their store reps that everything was up to date and good. This apparently was not the case. Not only did we have no idea of this debt, we did not receive any information from XXXX or a collections agency. Honestly if it wasnt for the advisor we probably would have never known how damaging this was to my credit. With all that being said I do want to make good on my debts. So I contacted XXXX and told them I want to get them off my credit report and to give me the figure to make them disappear, which was the amount said earlier. XXXX told me if payed in full that it would be deleted from my credit report. I was then told by XXXX to contact the collections agency handling this case. While discussing this issue with the collections rep I was told that it would not be deleted, that the best they could do is report the debt as been paid in full. Something about that just did sit well on my mind. So without paying I called my credit advisor to tell them this scenario. They said with us not even knowing about this debt, not receiving any information from collections, and the denial of deleting this from my credit report, to file a complaint and dispute this case. Which is where Im at now. I am willing to pay any and all debts I owe, but under these circumstances I dont believe this particular debt should be on my report.
08/19/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AL 35020	Web
To whom it may concern, I received a letter from your company attempting to collect an alleged debt. For starters, I do not owe your company any money. For two it is not legal for you to collect a debt on behalf of another collection agency. I would like to ask, are you insinuating that I had an account, or some sort of credit with your company Source Receivables Management? I have never done business with your company, I need you to provide legal proof that I have the right to do business with you, what bonds me to you? What kind of business dealings have I done with you? I am demanding that you remove this account from my credit reports at once. It is absurd that your company would put something like this on my credit file. Not only do I not owe you money, but I know for sure that a collection can not collect a debt on behalf of another. I sent your company a debt validation letter on XX/XX/2022. It is a violation of the Fair Credit Reporting Act to report false information to a consumer 's credit file, you legally have 30 days ( about 4 and a half weeks ) to respond to my request. It has been over 60 days since I originally sent you a debt validation letter, you not obligated by law to remove this account from my credit file. In the event that you can not verify the item pursuant to FCRA, and you continue to report it on my credit, I will find it necessary to sue you in any qualified state or federal court, including small claims court in my area. I look forward to a swift and amicable resolution to this matter. Attached is my legal documentation from the FCRA, please remove this account as soon as possible. Remove this account from my credit file : Source Receivables Management {$2400.00}
01/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 11379	Web
Hello, I closed my account with XXXX in good standing in XX/XX/XXXX. Services were deactivated and I was informed that I will not receive the credit for unused service. I had a prepaid no-contract cell phone plan ( {$25.00} plus taxes ) with XXXX and made the first payment of {$67.00} on XX/XX/XXXX. Had a scheduled auto payment and have been billed monthly. The last payment of {$40.00} I made was on XX/XX/XXXX. The account was closed, and my auto pay was deactivated. Unfortunately, XXXX kept billing me and without any notice sent me to the collection agency. I disputed the above with XXXX and Source Receivables Management but have not received any correspondence. According to XXXX, I have an unpaid balance for XXXX, XXXX, and XXXX of XXXX. Firstly, the account was closed in good standing in XX/XX/XXXX. The last full monthly payment was made on XX/XX/XXXX. After service activation, I was billed for two full months in advance. At this point, I do not understand how I can be billed for services never received and for months ( XXXX and XXXX ) I paid for prior termination of my account. This is a XXXX time I am placed with a collection agency, at this point this is harassment. Prior collection entries was removed and XXXX placed me with another collection agency, with a balance of {$200.00} or unspecified balance. Why does the balance of my collection account keep going up? I am looking for help with the abovementioned, as I can not be liable for services I have never received and sent to collections on services I already paid for. I had only a pre- paid cell phone service with my own phone, no agreement, paid two months in advance and I called to cancel the service!
07/31/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MS 388XX	Web
XXXX has falsely stated that I owe for two devices from a previous lease agreement which had to be paid in full for me to obtain new devices with my next contract agreement through them. After the newest contract agreement was ended in XXXX and both devices from that agreement were returned and accounted for, XXXX then billed me for 2 devices, which then the bill was sent to 2 different collection agencies. When I contacted Sources Receivables Management in XXXX of XXXX, the collection agency with and reporting the debt on my credit report told me that I was being charged by XXXX from the first lease agreement for 2 devices which can only be inaccurate because the main line phone was Damaged and had to be paid in full for me to obtain the second agreement with a newer device. Therefore I disputed the information through writing with XXXX, XXXX, and XXXX starting on XX/XX/XXXX. XXXX and XXXX have never responded through writing or email and XXXX 's agent over the phone claimed to have never received my first letter of dispute yet knew the information, date the letter was written and mailed, and reasoning for dispute but claimed to have received the letter on the XXXX of XXXX, and contacted me via email after receiving my failure to comply letter, also sent to all three Bureaus. XXXX then, several days after our conversation over the phone, completed a computer generated investigation on XX/XX/XXXX after XXXX XXXX clearly after their business hours. I only ask that the inaccurate account be removed from my credit if not validated in the 30 days allowed to them to complete a fair and accurate investigation. Clearly those 30 days have been passed.
06/21/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 85756	Web
Roughly 5 - 7 months ago I was contacted by a company named Source Receivables, Management located at XXXX XXXX XXXX XXXX XXXX, NC XXXX. I was told I owed a debt of {$270.00} for an unpaid balance regarding a business line I carried through XXXX. I was unaware of any issues I may have had wirth XXXX and was actually talking to the collection company on the phone they were attempting to collect a debt on. I immediately explained to them this was the first I've heard of it and was a mistake, I then tried calling XXXX ( who XXXX merged with ) and I was told I don't have any debt, and if there was a debt from XXXX it would have carried over and would have affected my account. It was never carried over because there was never any real debt. I explained all of this to the people of Source Receivables and even recently provided them with a reference number from XXXX regarding the conversation I had with them and how I never owed money. I've spent a minimum of 6 months being called a liar and being bullied into something I never owed by their employees and manger named XXXX XXXX. Fast forward to today and the company has admitted their mistakes and no longer carry a debt in my name. However, my credit score has been hit hard by this, and since I've asked the company about how to file a complaint against them I've now been blocked and no longer have the option of speaking to someone about this. I've asked for transcripts regarding the amount of calls and harassing messages I've been receiving and that's when they blocked my phone number. I would like for this company to receive some sort of punishment for harassment. Thank you for your time.
08/01/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY XXXXX	Web
On XX/XX/18 at approximately XXXX, I visited the XXXX website and chatted with a rep ( XXXX XXXX. ) in regard to a debt that was on my credit report in the amount of {$570.00}. I asked XXXX if XXXX could remove the entry from my credit report upon me paying the amount owed. She stated that it would be removed and offered to process the payment for me but I elected to pay in the store rather than online. Once in the store, the manager was unable to pull up my account and gave me a number to call to make the payment. That number routed me to a rep by the name of XXXX whom I spoke to around XXXX that same day. I double checked with him about the entry being removed from my credit report, he advised that, " the payment will update in 3-5 working days, and be completely removed from your credit. '' That sounded great to me so I made the payment. XXXX clearly still owned the debt or else they wouldn't be able to accept payment for it, the collection agency was merely a contractor. Today, XX/XX/18, I received a notification that the balance on that collection had been updated to {$0.00}. Ok, so the payment had been processed and an update has been made. But it wasn't the update that was promised. I contacted the collection agency named Source Receivables Management. I spoke with a woman named XXXX and explained to her that XXXX had agreed to remove the collection from my credit report. She explained that Source Receivables Management would not be removing the entry and that I would need to speak to XXXX. I then called XXXX again and the rep I spoke with explained that there was nothing he could do, I should call the collection agency.
06/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92880	Web
Debt Collector : Source Receivables Management for XXXX XXXX XXXX. In XXXX of XXXX, XXXX tried to collect {$800.00} form me on a contract which I had cancelled and for which their services were no longer being utilized. Please note that this money had been automatically taken directly from my account. I had the {$800.00} identified as a fraudulent change at my bank and they refunded the amount upon investigation. This amount was never authorized. Further to stop the account from going into collections ( while I found my original contract ) I paid them {$400.00} ( half-of what they said I owed them ). I do have the original contract and would be happy to provide that to you. I am still trying to obtain my {$400.00} back from XXXX and have had no success. Please note that the XXXX installed devices stopped working at as of XX/XX/XXXX ( which I expected at time as I cancelled the service and the contract had ended ). I have a contract with XXXX showing that my service will end on XXXX ( for which they have been paid {$400.00} more than owed ). Please note that I called XXXX on XXXX to cancel their service. Sorry for the long story ; however now they say I owe {$30.00} to them and have provided it to " Source Receivables Management '' for collection. Their telephone number is XXXX, Any help you can provide in the timely resolution of this matter would be most appreciated. Please note that I have exhausted much time and money in regard to this resolution of this horrible matter. Thank you again for any help you can provide. The latest bill I received from " Source Receivables Management '' was dated XXXX XXXX XXXX XXXX
10/20/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 86401	Web
i received a collection on my credit report from a company name source receivables mng a collection agency for XXXX XXXX XXXX XXXX XXXX to XXXX ( XXXX ) and they even statement it was fraud i also spoke with the collection agency and they stated to file a police report which i did i mail it to the collection agency and have not received any information from them someone had been using my name i also received a XXXX XXXX XXXX from Illinois I made a police report out for that also and send my information over to the gas company now i have all these inquiries on my credit report which i did not give anyone permission to used my name or my credit inquiry ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX i know about this one its because my husband is a veterans and was gets a loan but they report 3 time on my report when it was suppose to be one in the state of Arizona when you married they have to run both credit i understand that but 3 time ( XXXX ) XXXX XXXX and XXXX XXXX, XXXX XXXX no phone XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) credit technologies no phone number and ( XXXX ) XXXX no phone number these are the inquiry that i did not do myself and someone is using my name could you please help my phone number is XXXX my email is XXXX and i receved a collection call from a XXXX in XXXX in XXXX XXXX on XXXX XXXX i need these collection remove and these inquiry off my credit report
06/04/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33056	Web
My younger sister went to the XXXX XXXX XXXX store back in XXXX to return an XXXX as she was switching over to XXXX XXXX XXXX. The employees there took the phone, closed her account & told her she can go without giving her a receipt. She asked for one and they told her she does not need to worry about that. That is where the problem started. had to go to XXXX in XXXX because of an overcharge made to my account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX ) and was told by an agent on the phone that the XXXX was never returned & that I owe {$720.00}. I told her & it was been returned & that the associate stated there was nothing due on my account. I was also told that matter was resolved & it would not affect my credit so I do not need to worry about anything. Fast forward to a month & a half ago : my younger sister contacted XXXX in regarding her old phone number ; the agent assisted her but then stated there was a balance for the XXXX once again. We both told the agent AGAIN, that matter was been resolved. She ( the agent ) said she will remove the amount from the closed account. Yesterday I checked my mail & see a letter sent by Source Receivables Management that my XXXX account has a balance of {$780.00}. I am very frustrated as I have been told multiple times that the amount of {$720.00} was removed, & the fact that the phone was returned ( which was REQUIRED in order to close the account ). I would like for this issue to be resolved as soon as possible. I also see that this is very common with XXXX still charging previous customers for phones that have been returned.
09/27/2023	Yes	Debt collection Telecommunications debt	Written notification about debt Didn't receive notice of right to dispute	TX 76179	Web
Source Receivable Management : XXXX are no longer trying to collect on this debt. Furthermore the creditor was reporting this on my consumer report as charged off which means they are no longer attempting to collect this debt and have taken it as a loss, which becomes income for me according to the IRS. This means that no one should be attempting to collect on a charged off debt. I am also making your company aware that you are in violation of 15 USC 1692j - ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. Please remove your account from MY consumer report as I have already addressed this debt via FTC report and it has already been addressed and removed so in turn should not be reporting again under a different company. I do not have any contract with this company and I do not accept your claim of debt and refrain from communicating with me this INCLUDES COMMUNICATING VIA MY CONSUMER REPORT through credit reporting agencies as well. Thank you for your attention in this matter, Peoples : XXXX Without prejudice, All Natural Rights Reserved
07/16/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60473	Web
Originally contacted XXXXXXXX XXXX XXXX because they sent an account to Source Receivables stating that I owe {$440.00}. After speaking with XXXX XXXX XXXX they stated the balance is only {$91.00} and since it is in collections I have to pay the remaining balance with the collection agency ( Source Receivables ). I called Source Receivables and spoke with a manager by the name of XXXX whom asked me to email her bank statements and documentation from XXXX XXXX XXXX showing the payments that were made. The payments were made before the received the account. I also paid the {$91.00} ( confirmation # XXXX ). I emailed those documents and XXXX called me back stating that the account is indeed {$0.00} and she will send me documentation in a few minutes stating that the account balance is {$0.00}. I never received that email stating the account is paid in full w/ a balance of {$0.00} so I called twice on XX/XX/XXXX. The first time I called they stated that the account is {$0.00} and I should receive the email before XXXX. I have not received the email again so I called back the second time and they are stating that the account need to be {$0.00} in order to receive the email. I requested to speak to XXXX and they stated she is not available so I requested to speak to another manager. The rep. advised me that the the owner XXXX stated that " he will not take the call because the balance is owed '' and the rep then proceeded to disconnect the call. After calling back I was told " They are unaware of who the manager XXXX is and there is no one available to speak to me ''.
08/21/2017	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 30263	Web
I received a call from a rep of this company on XX/XX/XXXX @ XXXX XXXX # XXXX - by the name of XXXX XXXX. Within the first 50 seconds of the call I informed him that I was at work, and could not talk about the matter at this time. Over the last two weeks, I received calls from two other representatives informing of the same ( XX/XX/XXXX @ XXXX XXXX # XXXX ) ( XX/XX/XXXX @ XXXX XXXX # XXXX ), that I was only able to speak to someone after business hours - and for me that ends at XXXX XXXX EST. After informing XXXX XXXX that I was unable to speak about the matter he went on to badger me, insult me, and tell me to be honest, also telling me I have had plenty of time to take care of this matter since the date of service is from XX/XX/XXXX. However, they only have sent two statements ( which I have not yet received ), and called 3x ( since XX/XX/XXXX) - I am sure that they have just recently bought the account/debt from the original creditor. When I asked him for his managers name/number, he was not willing to give that information immediately, he instead told me to just take care of my bill. He was unprofessional, rude, condescending, and insulted me on numerous occasions, all the while, breaking the law, by continuing on with me when I told him from the beginning I was at work, and could not talk - even going on to say " This is a cell phone right, well how do we know where you are. '' Within the first 50 seconds - he was told on a " recorded '' line that I was at work, and could not speak about the matter. Therefore, violating 15 USC 1692c section 805 ( 3 ).
02/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 480XX	Web
Source, receivables management Account XXXX XXXX This company is in violation of my rights and this account should be removed immediately Receivables performance management violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. The following alleged collection account is listed as having a PAST DUE BALANCE of XXXX XXXXXXXX This is a violation of the FCRA and is in violation of requisite XXXX Compliant reporting standards. According to the Fair credit Reporting Act I have right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. This account was removed from my credit report and put back on according to 15 Us code 1681i subsections ( 5 ) ( b ) ( I ) If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Also ( 5 ) ( b ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify theconsumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by theconsumer for that purpose, by any other means available to the agency.
05/25/2018	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	LA 71118	Web
I recently obtained a copy of my credit report on XX/XX/2018 and I seen that I have a {$1200.00} bill from a collection agency named Sources Receivables Manag that was sold to them by XXXX. I then attempted to reach out to the company to send me a debt validation letter to make them look into the account further because I didnt have any cancellation fees with XXXX when I disconnected my devices because I wasnt under contract so I knew I definitely didnt owe them {$1200.00}. The company stated that they had previously sent me a letter and wasnt going to send me another one. I then asked for the address that they sent it to because I didnt receive one. They gave me an incorrect address, I advised them that it was wrong and asked would they send it to my correct address and he told me no he wasnt going to, I asked why and he stated because he sent it to the address on file and I then let him know again that it was incorrect. He said that his associates talked to me on numerous occasions & that they notated the account each time with statements that I had given them telling them why I couldnt pay off the debt. I let the representative know that I havent talked to anyone about this account, I didnt even know it existed until this month. He then proceeded to keep reading the falsified statements that were made by his associates and I again told him that I havent spoken with anyone at anytime about this debt. He ended the call stating that he would not send a debt validation letter to my correct address and I could settle the debt for {$600.00} if I wanted to.
04/27/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75216	Web
I had received several calls multiple times per day about this account. I had adv the company multiple times this was not my debt and would like to dispute. I advised the company the address they have on file was not my valid address and I have never had there service. They told me I don't know why you are trying to run away from the debt they will set up a payment plan for me to pay or else will forever remain on my credit. I asked the company to provide me with the following to validate the debt : Please provide the following : Agreement with your clients that grants you the authority to collect on their alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor Any insurance claims made by any creditor regarding this account. Name and address of alleged creditor. Name on file for alleged debtor Alleged account number, Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting alleged debt. Commission for debt collector if collector if collection efforts are successful. On XX/XX/XXXX or XX/XX/XXXX I sent a certified letter to the company mailing address. They received and picked up the letter and signed for the letter on XX/XX/XXXX. I asked in the letter to validate the debt and asked for several pieces of information to be provided to me. They have yet to validate the debt and prove the debt is mines.
07/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10550	Web
15 U.S. Code $ 1681c-2 consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four business days after the receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! Names : XXXX XXXX XXXX, XXXX XXXX XXXX Collections : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX ( XXXX ) XXXX Account number XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account number XXXX XX/XX/XXXX Hard Inquires : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!! Under, 15 U.S Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts
09/27/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 44511	Web
I have disputed the same collection account with all 3 bureaus several times, I've contacted Source Receivables regarding the debt, and I even filed a complaint with CFPB about the credit bureaus. I have provided evidence that the information is incorrect and still nothing has been corrected. They continue to report a debt that is XXXX years old as XXXX years old. The debt has been sold several times from XX/XX/XXXX until XX/XX/XXXX. The amount of te debt haas changed 3 times it was {$580.00}, XXXX, and XXXX. The debt is not from a credit card company it is from XXXX. Therefore the amount should have remained the same being there is not any interest being charged. I have explained this to them and they continue to illegally report incorrect information. It seems no matter what debt collection agencies does the credit bureaus take their side right or wrong. They never take the side of the consumer actually no one helps the consumer. I refuse to allow them to report the same old debt for another 5 years. I have copies of my credit reports to verify that I am telling the truth. I also have a letter from the very first collection agency showing the original date of collection and collection amount. I submitted it to all of the credit bureaus and they totally ignored it when I disputed the debt XX/XX/XXXX and XX/XX/XXXX. I have contacted the debt collector Source Receivables Management asking for the validity of the debt from the original creditor XXXX on XX/XX/XXXX and I have yet to hear or receive anything from them.
01/04/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43068	Web
I ask that Source Receivables Management # XXXX interact further with me in writing, instead of via other methods, consonant with my rights explicated within the FDCPA and other relevant statutes. I authorize you to contact me about this debt, but solely via printed letter, to me at my home address as all other methods in any other way, place, or time are inconvenient to me. Should you be unable to comply with this reasonable request, this may indicate Source Receivables Management violation of the FDCPA and/or other federal statutes. Furthermore, please show detailed verification for consumer materials forwarded to consumer reporting agencies for me, XXXX XXXX, with regard to the stated account number # XXXX. Since it is possible that reporting problems may exist with respect to what you reported, I hereby request that you transmit this verification within a month of receipt of this request. Moreover please assert that collection behavior has been facilitated in accordance with applicable federal and state consumer protections. I want more than only an overview lacking depth. Instead I must ask for a detailed audit. If you can not establish such documentary record within a reasonable time frame, account compilations given by Source Receivables Management to my credit bureau should not be considered true and may evince a violation of the FDCPA, FCRA, and/or other federal statutes. In that circumstance, delete such bureau items shortly. I appreciate your assistance with this circumstance.
04/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	ID 83442	Web	Servicemember
I have disputed this XXXX account that's on all 3 credit Bureau 's that says I owe XXXX, it came back that it is my account by the consumer. So I called the collection agency and I have the call recorded which I told them I was a recording so I wasn't doing anything wrong. First I was hung up on 2 times because the people couldn't find my account through my name or social security number. I was so upset that my fianc called back and spoke with them. To which again they said we can't find her account there is nothing listed for her. He and I both said then you need to take this off her credit reports, you can even find the account. to which their response was to hang up a third time. I called XXXX and was on the phone for 3 hours trying to get this removed off my credit report and they said dispute it again, which I did and the company cam back saying the account was valid. I asked XXXX where was this opened at? They said in Florida, I have never lived and Florida and followed up with how is it that I opened an account with XXXX which since has been removed off my report in XXXX XXXX then 2 months later open another account with XXXX in Florida. It shows all over my credit bureaus that I'm a victim of identity theft. I just found out yesterday that this person filed tax returns in my name which I will be filing a police report. But this company needs to remove this off. my credit bureaus. Ive done everything I can and I'm getting no where. It's source receivables. XXXX
08/07/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 122XX	Web
On XX/XX/XXXX I reached out to a company named XXXX. XXXX, I request validation for the collection account reported to my credit report in the amount of XXXX XXXX The collection has been reported as a past due balance. I contacted XXXX. XXXX to provide me with any business contracts we may have together. I have attached the fraudulent document that they forged non existing addresses that does not belong to me. And I see why, Moving forward today XX/XX/XXXX on my credit report and theres this new company by the name of SOURCE RECEIVABLES MANAGEMENT, that has now bought the fraudulent account and is reporting to my credit report. In Violation of 15 CODE 1692, 15 US CODE 1692 ( d ), 15 US CODE 1666, 15 US CODE 1681 SECTION 604. These agencies are taking turns helping to damage my reputation, I am in distress knowing that Ive tried numerous times to communicate with these agencies and Ive not gotten the help I need. I do not know this company. I have never done business with this company. In accordance with the fair credit reporting act : SOURCE RECEIVABLES MANAGEMENT, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. Violation of 15 U.S. Code 1692j, Re : 15 US Code 6801 : States that It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.
05/19/2023	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	OK 741XX	Web
I am writing to file a formal complaint against Source Receivables Management regarding their inappropriate conduct and harassment during our recent phone conversation seeking resolution and requesting a modification to the method of communication between us. I have received multiple phone calls from Source Receivables Management in relation to an outstanding debt, and I must express my disappointment in the unprofessional and disrespectful behavior exhibited by their representatives. Their tone, language, and persistent attempts to intimidate me during these calls have not only caused me significant distress but also violated the rights afforded to consumers under the Fair Debt Collection Practices Act. I firmly believe that all individuals should be treated with respect and courtesy, regardless of their financial circumstances. I kindly request that you investigate this matter thoroughly and take appropriate action to address the unprofessional conduct exhibited by this terrible company. Furthermore, I am requesting a modification to the method of communication between Source Management and myself. In light of the disrespectful phone interactions, I kindly request that all future communications regarding this debt be conducted via email or mail. This will not only allow for a more efficient and documented exchange of information but also help ensure that any misunderstandings or disputes can be resolved in a calm and measured manner.
06/25/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	DE 198XX	Web
I closed out my XXXX account during the pandemic to cut back on bills. I actually had a line with them with XXXX of my children on and and I was also with XXXX and had XXXX other child on that account. I closed out XXXX and put everyone on XXXX. I was paying the balance with XXXX and then my household caught XXXX. We were ALL out of work and I didn't pay 2 of the last payments with them. I finally called and they said it was charged off because the majority of it was paid off. I had no payments left in their system. A few months later, my XXXX XXXX XXXX son, who now has that phone with that number, was complaining of someone calling about a XXXX bill constantly. I answered the phone and without saying who I was, I was told it was XXXX XXXX XXXX and they were collecting a XXXX bill. I hung up because I'd already had that conversation with XXXX. That went on for months and I guess finally the sold the account to someone named SOURCE RECEIVABLES MANAGEMENT. I have not spoken to them at all but I did receive something in the mail from them pertaining to said XXXX bill. I am in the THROWS of buying a house RIGHT NOW, as in looking and pre-approved already. I do not have time for their nonsense. According to XXXX, I no longer owe them anything. The date this started with this latest company XX/XX/2022 when it appeared on XXXX. The time I spoke to XXXX was somewhere between XXXXwhen I was home with XXXX XXXX and they kept calling my old phone.
05/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 63135	Web
I was notified by the credit bureaus in XXXX, that Source Receivables Management placed a collection on my account. My report, says the collection was opened in XXXX of XXXX. I never received a letter from this agency saying my account will go into collections! That's a violation and I'm willing to take action. If I received the letter I would have disputed these false charges. This agency says this has been in the collection for over a year with payments made and that's a lie. I have not once made any payments. This company has failed to furnish any proof of charges such as an itemized bill to show me exactly where the charges are coming from. XXXX does not allow you to port out your phone number unless your account is in good standing. ( please review the company 's policy ). XXXX also refunded me multiple times due to issues on their end. Any charges on that account do not belong to me and XXXX needs to go over that account AGAIN! Through certification, I will be sending Source Receivables Management a debt validation letter that needs to be returned within 30 days. I need itemized bills and proof a letter was sent out and that I received the letter. I have not received any letter! This agency also claimed I made a payment to the collection agency and that claim is false! I've asked XXXX for proof of charges and they have yet to send me an itemized bill. Showing an amount is not proof of charges and does not verify any debt.
09/04/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77090	Web
I wanted an internet service and I went to XXXX XXXX located at XXXX XXXX and XXXX in XXXX Texas. They gave me a modem and I installed it but it was not working. I kept calling them so they can guide me with the installation. It worked for a day then I was no longer getting Internet connection. I went to a XXXX store close to me in XXXX to return the modem, they refused to take it back. My personal car broke down and I was driving a company vehicle which I could not use for my personal errands but every XXXX store that was on my way I stopped to return the modem but they were refusing to take it back. Finally, I had a job around XXXX and XXXX XXXX I left the modem with a XXXX clerk by the name of XXXX. But he told me even though I brought the Modem back, I still was going to pay for it.I got the Modem onXX/XX/XXXX and I returned it sometimes early XXXX for the reason I stated above. Next thing I know, I received a bill from XX/XX/XXXXXXXXXX/XX/XXXX in the amount of XXXX Dollars. I called them to ask where this amount came from, did not get a satisfactory answer. Next, another bill from XX/XX/XXXX - XX/XX/XXXX in the amount of XXXX dollars. Next another bill from XX/XX/XXXXXXXXXX/XX/XXXX in the amount of XXXX dollars Next another bill from XX/XX/XXXX - XX/XX/XXXXXXXX in the amount of XXXX Now they put me on collection and said I owe them XXXX. I do not have the money to hire a lawyer that is why I am turning to you for help
01/29/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28217	Web
XXXX Receivables XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX, has been sending me collection notices for {$1600.00}, the collection has been as reported pass due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I never did any business with the original creditors where the claim the debt came from. Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response immediately Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( XXXX ) injunctive relief to prevent or restrain a violation of this chapter; and ( XXXX ) actual damages sustained as a result of a violation of this chapter.
01/18/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	OH 43219	Web
Source Receiveable Management this account was already remove once from my report as unverified with a previous Third party collections agency. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof of claim for this debt, and there is some contractual obligation that is binding on me to pay this debt.This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to XXXX XXXX XXXX Sec. XXXX XXXX b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that noncompliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies
10/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	VT 050XX	Web
When my husband and I tried to rent a home, we found out there was a debt on my credit report owed to a collection agency called Source Receivables Management. The debt was for a company called XXXX. I have never had a XXXX account. I called the collection agency and asked them to send me proof that the debt was mine. I did not get anything. I disputed the error with all XXXX credit bureaus. According to the bureaus, the collection agency verified that the debt was mine. I do not see how they could because I have never ever done business with XXXX. I called XXXX. They said I had to call the collection agency back. I called them. Some lady names XXXX said she was mailing a fraud packet. When I got it, it asked me to furnish a lot of documents I do not have. For example, they wanted a copy of my driver 's license. I do not have one because I am XXXX and can XXXX XXXX. I have been XXXX since my early teens and have never had a license. I called the collection agency and explained that. They said then that they needed a copy of my passport. I do not have one. I explained that because I am XXXX, I do not work and can not afford to get a passport. Then, they said they needed a photo id. I repeated that I do not have one because I do XXXX XXXX or work. Then, they said they could not help me and hung up on me!!!!!! I need this off my credit report so we can get low income housing apporved. Help.
12/30/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 606XX	Web
I am writing to file a complaint against XXXX. I attempted to settle this account twice though XXXX. XXXX and XXXX XXXX. With XXXX. XXXX, I made a counter-offer to a their offer and sent money. The money was sent back and requested full payment. I requested a cease of communication from the collection agency. I disputed via XXXX and it was removed from credit report on XX/XX/20. With XXXX XXXX, I received a phone call and I explained the aforementioned. The customer service representative made an offer. I requested for the offer to be put in writing. I never received the offer and the account appeared on my credit report. I requested a cease of communication from the collection agency. I disputed via XXXX and it was removed from my credit report on XX/XX/20. With Source Receivables Management, I received a notice and I responded explaining the aforementioned. I never received a response or a bill. Instead, it later appeared on my credit report. In the recent dispute, the results verify the same account in the two previous disputes as accurate on XX/XX/20, where previously they were removed. I do not agree with the practices of the creditor to collect a debt when I have responded to all their notices/calls to settle debt. I have requested a cease of communication from the collection agency. The practices XXXX have exercised deterred my credit, which is what I was trying to avoid.
06/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77340	Web
I previously had an account with XXXX for my cell phone services. I cancelled my service back in XX/XX/XXXX and paid my last invoice on XX/XX/XXXX for {$240.00}. I called several times to confirm my account was cancelled with their customer service department. However in bad faith XXXX has sent me to collection with a company called Source Receivables Management. I do not know this company or agreed to do any business with them however they are demanding I pay {$460.00}. I formally asked Source Receivables Management on XX/XX/XXXX to provide proof of the required documentation to validate the debt : Proof that you are licensed or legally authorized to collect on debt in my state. Proof of your bonding agent in the event where I must seek counsel. Proof of your authority in the collection process. Proof that the original creditor authorized you to collect on the debt on their behalf. The original creditors name. Details on when the account first went into delinquent status since that is the date required as OPEN DATE on the collection account. However they refuse to provide the proper documents and display the use of delay tactics. I believe this company is acting in bad faith and violating my right under the FDCPA and the FCRA. I would like someone to investigate this matter because they are reporting this collection on my credit report and causing me intentional harm.
05/02/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	MD 21136	Web
Source Receivables Management has violated my rights multiple times. They have been harrassing me through phone, email, and, mail. I did not give them permission to contact me nor given them my current mailing address. They have violated my consumer rights under code 1006.6.in which states, ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt. I hace not given them any permission to contact me via phone, email, or mail. I am disputing as well because I had no previous knowledge that I can dispute any derogatory marks placed against me by the original creditor or the collections agency. I seen them placed on my credit report and I disputed the discrepancies on my own. In turn, I am asking for a full copy of charges and account statement summary from original creditor or documentations that show my signature and information that willassist to the ownership of this account. In which, I do not have any knowledge of having an account with XXXX. I want Source Receivables Management to be fined for the harrassment and violating my consumer rights.
05/27/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77530	Web
I was checking on my credit report and seen a collection from a " Source Receivables MNG for : XXXX '' of the amount of {$1700.00}. I never used XXXX for anything. I called the collection department at ( XXXX and spoke to XXXX and gave him everything he asked me for and couldn't find anything with my name on it. I was told to call XXXX and see what they say and have them to call him back after they settle the dispute. So I did call XXXX at ( XXXX and spoke to XXXX and he couldn't find anything either cause I didn't have a phone number to give them to look up my account which I didn't have no account to give them or a phone number. I gave them my name and still couldn't find anything either. So I called Source Receivables MNG and spoke to supervisor XXXX and gave him the same information I gave XXXX and still couldn't find anything either. So I call XXXX fraud department and spoke with XXXX and she was a very nice lady and really helpful. She file the complaint on her end and told me to file my complaint on this site. All i want is to stop this fraud on my credit report. I pay my bills and I don't need this on my credit report. I appreciate it if you can help me solve this problem. This isn't the first time I had a bad experience with fraud on my credit report. I never received any phone calls or letters, emails from this company that file on me for a collection.
09/02/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30338	Web
I received a collection call a few months ago claiming I had a debt in collections. I immediately thought it was a scam because it sounded sketchy especially since I am responsible and married a CPA who manages finances. I received another call. I asked what they were talking about and they told me they acquired the debt from XXXX. I did cancel XXXX within the last few months but I had that account for 17 years and verified I did not have a contract before canceling due to service bad at my new home. I asked for the reason of the charge to which they could n't tell me. I asked to dispute it and was told to contact XXXX since they are the only ones who can see the reason. I called XXXX and they could not tell me anything since the account was purchased by collection company and I 'd have to contact them. I went back and forth several times. I put in a dispute with the collections company and was told it 'd be reviewed and I would be contacted. That was a couple of weeks ago. I am currently trying to purchase a larger car since my wife is XXXX in 6 weeks. I decided to check my credit and find that my XXXX score is XXXX and my XXXX is XXXX because they reported the false debt. To put it perspective it has n't been reported on XXXX and my score is an XXXX. This is going to significantly cripple me getting the interest I should get not having this. Thanks,
09/19/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MA 02301	Web
Hello, and Please help! I'm not sure where the breakdown is, but : I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
02/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 02301	Web
Dear SOURCE RECEIVABLES MGt XXXX XXXX XXXX {$1100.00} :???? I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
09/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75071	Web
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. The balance on my credit report is not the same balance I have with the original creditor. There are also inconsistencies in the data being furnished. How can the date last active be different than what another bureau is reporting if all information should be complete and accurate? Furthermore, I was never sent correspondence notifying me that this account was sold to SOURCE RECEIVABLES MNG which is another violation. I received nothing in the mail leading up to this collection being reported. This account was added in XX/XX/2023. I am requesting a copy of the correspondence mailed to me during that time informing me that I had a debt with your company. If you can not provide this, then this is another violation. According to the FDCPA Im entitled to XXXX dollars per violation. If this account is not removed and payment within 15 days, I will forward this information to my legal attorney so that this can be handled in small claims court.
05/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 17112	Web
On or about XX/XX/2021 we received in the US Postal Service a written notification from Source RM. In it they claimed they were collecting debt of {$5800.00} on behalf of XXXX. We do not currently nor have we ever had an account with XXXX. Additionally, my last name was spelled XXXX, not XXXX, and there was an apartment number at our address but our home is a single family dwelling. On the same day we contacted Source RM at the number they gave to dispute the claim. When I discussed the incorrect spelling of my last name and the apartment number, they asked about an e-mail address attached to the account. The e-mail address was also not mine. They told us they would send out a fraud dispute package in the mail. On XX/XX/2021, we contacted Source RM to follow-up as we had not yet received the fraud package. They stated it had not yet been sent, the account was listed as in dispute, but they only have one person handling disputes and it may take longer to receive than 7-10 business days. They informed us we could dispute the claim directly on XXXX. One of the requirements of disputing a claim on XXXX is to provide a police report. On XX/XX/XXXX, a Pennsylvania State Trooper reviewed the letter from Source RM and informed us it appeared to be a fraud. He directed us to the consumer.ftc.gov to file a claim.
07/10/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MO 63135	Web
Source Receivable Management is collecting a debt for the original creditor XXXX. I will be filing a complaint against XXXX as well. XXXX has sent a debt into collection that I do not owe for equipment they said was never returned. The equipment was indeed returned and some equipment was never sent. I used my own phones that was paid for. I have asked XXXX for the tracking numbers to help with my dispute and they refuse to give me that information. So Im being charged for items I do not have. Not only was the equipment I did received returned, XXXX refunded me multiple credits for my inconvenience and provided me my account number to transfer my service. My new service provided even offered to pay XXXX for me to transfer. I talked to someone from XXXX a week ago and they said they could remove up to {$2000.00} from my account then transferred me over to another department giving me the run around. Source Receivables failed multiple times in investigating this dispute nor did they contact me before placing this account in collections. They failed to provided me with the letter they sent nor did I receive a letter. It has been over 30 days since Ive ask for the information. I did not sign a contract with Source Receivables Management. They are illegally trying to collect money from that I do not owe.
08/02/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MA 02301	Web
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
08/26/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 22304	Web
I discovered in my credit report that Source Receivables Management , LLC, has posted a collection action for a XXXX account that is fraudulent. They filed a collection action against me in the amount of {$2600.00}, which they are collecting on behalf of XXXX. The account is not mine. I did not open this account, nor did I authorize anyone to do so on my behalf. I requested that they either provide me with written proof that this debt is mine, specifically, but not limited to, a contract bearing my signature ; or remove it from my credit record and update this information with all three credit bureaus to reflect that this account is not mine. They did not provide any documentation. Instead, they replied by requesting that I provide a statement of dispute to XXXX. XXXX is not listed on my credit report, Source Receivables Management , LLC, is taking action against me. Furthermore, how can one prove a negative. I have nothing to submit to XXXX or SRM as this is not my account. SRM has the claim against me so they should provide evidence of my debt, evidence that I opened this account. All cell phone accounts require signed contracts. As such, they should be able to provide a contract with my signature on it. They have not. And they can not because the account is not mine.
09/03/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48390	Web
In XXXX of XXXX I opened a new account with XXXX purchasing a new XXXX and XXXX. I decided I did not want the service soon after the purchase so I went back into the same store and returned both devices the next day. I was told by the sales rep that I had 14 days to return the devices and cancel service. Recently I was checking my credit reports for accuracy and I realized I have a collections account with Source Receivables for {$1200.00}, the exact amount for both devices. I contacted Source Receivables to try and figure out why I was being charged for devices I returned and they told me I needed to provide them with a receipt showing I returned the devices and the account would be deleted from my credit report. I emailed the receipt to the company on XX/XX/XXXX. On XX/XX/XXXX I received an email stating I was credited for {$780.00} instead of the full amount. I again contacted Source Receivables to try and figure out what was going on and the rep told me " you will not receive the full amount when you return items ''. I asked her several questions regarding why and she was unable to answer anything. I was told to contact XXXX. I called XXXX and they were unable to give any information because I was unable to remember a PIN number on an account I had for 1 day!
10/18/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	VA 222XX	Web
Hello, I had used XXXX phone number between XXXX and XX/XX/XXXX. I was valuable customer and paid all the bills on time. Before cancelling the service, i contacted with one of the representatives and requested to cancel my service and made sure everything was fine at that time. Then after cancelling my service, until now i have received bills to pay and now even collection company named Source Receivables Management has still been calling me to pay for the service of XX/XX/XXXX. At that time i had already cancelled my service with the company and did not even use one day of service. I tried to explain that i had already cancelled when the collection company called me but they just told me to pay money for the service I did not get. I tried to contact with XXXX company to figure out whats going on and they asked me to pay different amount of money for different duration of billing period than collection company. Therefore, I can verify that I am still receiving bills from XXXX company even though I stopped service over a year ago. This XXXX company gave my information to another debt collection company besides this one too. I have email from that company. Please help me figure out what is happening. Thank you so much for your time and consideration
08/29/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 93306	Web
The debt collector Source Receivables is attempting to collect a debt on behalf XXXX. I don't know the chargers or reason of the collection and I didn't receive enough information to verify the debt, I asked to the collector for a full Itemized statement but they refused to mail me the bill that they are collecting because they don't have it on file. I assume is a balance with XXXX is because XXXX never applied a credit that they supposed to do, -so XXXX promised a credit but never applied in the account-. I called the collector and disputed the account because they never gave me the chance to pay the bill before they report the collection account with the credit report agencies, they said they sent me an initial notice of right to dispute my old address on the XXXX XXXX XXXX XXXX, XXXX XXXX CA, but I am not longer living there since 2018, even my new address is in a different city but the collector said " that is irrelevant '' I told the collector my intention to dispute this account because I don't known the charges and I think XXXX has to apply the credit that they promised, but they collector said I can not dispute the bill I just have to pay it and for the collector the initial told the collector my but the collector said that is irrelevant.
10/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32967	Web
To Whom It May Concern, Regarding the collection account opened on XXXX with SOURCE RECEIVABLES M, I have attempted to dispute the validity of this debt with the collection agency directly. Despite my efforts, the account remains on my credit reports with both XXXX and XXXX. I have sent a formal dispute letter to the collection agency requesting validation of the debt, as well as a cessation of all collection activities, in accordance with the guidelines outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Additionally, I have not received adequate responses to my requests for validation, nor has the account been removed from my credit reports. I am aware of my rights and responsibilities in this matter, and I am seeking assistance in resolving this dispute promptly. I believe that the actions taken by the collection agency are in violation of the FDCPA and FCRA, and I am concerned about the negative impact this account is having on my creditworthiness. I would appreciate any guidance or assistance you can provide to help ensure that my rights are protected and that this matter is resolved in a fair and timely manner. Thank you for your attention to this matter. Sincerely, XXXX XXXX
11/14/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MO 645XX	Web	Servicemember
I submitted a complaint with the CFPB, the end of XX/XX/2018, for XXXX XXXX collecting on behalf of XXXX I sent letters to the company asking to verify the debt I owe, bearing my signature. They repeatedly sent bills back to me verifying nothing. Nothing with my signature verifying the debt. They reported to the credit Bureaus and hurt my credit score drastically over a debt they can not verify. I was sent back a letter from XXXX XXXX on the complaint I filed, On XX/XX/XXXXthrough CFPB, that said XXXX has recalled the account and they removed from the credit Bureaus except for one Bureau. Now XXXX again has chosen a different collection agency and they have reported to all the credit Bureaus again. This company is Source Receivables Management, XXXX NC, I didn't receive a letter in the mail, not a phone call, anything from this company. XXXX recalled this account because they can not verify this is my debt. The amount they say I owe is XXXX. I do not owe this debt and recalling the account and moving on to a different collection agency doesnt make the debt valid. I would like for them to stop harrassing me and remove from my credit Bureaus immediately. The next steps will be the Attorney General 's Office and or the XXXX XXXX XXXX.
10/01/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75071	Web	Older American
XXXX is the orginal company and they became XXXX. The collection agency now is Source Receivables MNGMN. I have disputed owing {$720.00} to the three credit reporting companies. XXXX keeps reporting " Verified and Updated ''. So, XXXX or Source Receivables just keeps repeating that the money is owed and past due. XXXX 's account services told me via a telephone call on XXXX that I did not owe any more money because I had been paying a month in advance. They also said all phone calls are recorded so I requested they listen to that XXXX phone call several times. That call would backup my claim. I was always told my request was being escalated and they would call me back in 5 to 10 business days. Never got a call back and they kept increasing the amount they said I owed. On XXXX, I paid {$390.00} for the bill due XXXX, which is the same day I was told I did not owe anything further. I had 5 devices and four were paid off and one was returned. All lease terms were completed. XXXX unlocked all phones and I was able to change to XXXX. I want my past due {$720.00} to be removed and I want to listen to that phone call along with a XXXX representative. I think they do not record all phone calls and that is why I did not hear back from them.
10/22/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NH 03062	Web
On XX/XX/XXXX I called Source Receivables regarding a paid collection account I had with XXXX. I spoke to a woman who would not tell me when this report would be removed from my credit report. She said it never comes off it just keeps updating. She said she was not a credit expert and had no knowledge of how or when this report would be removed from my credit report. She told me if I had paid it to begin with I would not be in this situation. I told her I thought collection reports fall off your credit report 7 years from the date of first delinquency with original creditor. She said she was not a credit expert and reiterated that it would just keep updating. I asked for her name and she said XXXX. I asked her to spell it and she said I should know how to spell it. I asked for her last name and she refused to give it to me. I asked for her managers name and she said XXXX XXXX. I asked to speak to XXXX XXXX and she said he was not available, however she put me on hold to have him unlock my account so she could view the details. All I want to know is when does this come off my report and who is responsible for making it do so. She was extremely rude and would not give me any information about an account I paid in full in XX/XX/XXXX.
04/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32114	Web
After reviewing my credit report and doing some research l 've noticed that as a consumer my rights are violated by your company. Please take the time out and fix these issues. In violation of FCRA 15 US Code 1681b ( a ) ( 1 ) ( 2 ) permissible purpose In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. In accordance with the written instructions of the consumer to whom it relates. Violation number # 2 FCRA 15 US Code 1681a ( 2 ) ( B ) Violation number # 3 FCRA 15 US CODE 1681e ( b ) Violation number # 4 FCRA 15 US CODE 1681a ( 2 ) ( A ) ( i ) This Is a violation of the FCRA and Is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CR5A enacted CDIA XXXX XXXX COMPLIANCE regulations. This letter will ALSO be sent to CFPB, FTC, XXXX PLEASE REPLY IN A TIMELY MANNER WITHIN 30 DAYS THANKS. Also a past due balance is reporting how can it be in collections reporting a past due amount inaccurate.
10/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32086	Web
I started looking to refinance my mortgage about XX/XX/2020. I looked at my credit score on my XXXX XXXX XXXX XXXX and it was low and our credit is excellent. So I got a credit report from XXXX XX/XX/2020 and they show someone else 's name, completely different on my credit report that is badly hurting my credit. I have never heard of this person ( " XXXX '' ) and I have never had a XXXX account. I filed a dispute with TransUnion and they refused to take it off. XXXX already removed it for me. The amount is {$2400.00} that is in collection, from XXXX mobile. The collection company is their own, Source Receivables Mgmt. For over a week XXXX told me to call the collection company, who told me to call XXXX, who told me it was in collection, nothing they could do. I asked for a supervisor, they called me back, said they would investigate, today XX/XX/2020. Instead, they sent me an email with a form that has MY ADDRESS with this other person 's name on it and they want me to sign it. I refuse to sign anything with a criminal 's name on it, it was never my account. XXXX gave credit to someone using my SSN and never checked the name, they are 100 % at fault here. How can XXXX put someone else 's name on my account?
05/01/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32086	Web	Servicemember
SourceRM is representing XXXX for an alleged debt they say that I owe. SourceRM failed to provide the Oral Agreement, transcript, that I had with XXXX. XXXX Breached its contract and that Breach resulted in the alleged debt of {$470.00}. On dozens of occasions, orally and in writing, I tried to settle this debt to avoid the horrible tactic of this collection agency. They will not remove this inquiry from my credit file and evasively try to get me to pay the debt without removing the alleged debt from my credit file. To be clear, I do not acknowledge the debt and I am merely trying to pay this to debt because it is costing my a lot of money in excessive interest charges from potential lenders. SourceRM is not operating in accordance with the Fair Credit Reporting Act. As a result of my contentment and possible upcoming legal action, SourceRM is in the process of selling off this debt to wash their hands of the debt vice closing the debt. This company practices and ethics are unethical and a violation of my rights. Additionally, one Credit Reporting Agency has already removed this debt from my credit file but 2 others are pending. SourceRm XXXX XXXX XXXX, XXXX XXXX XXXX, North Carolina XXXX XXXX
05/01/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32086	Web	Servicemember
SourceRM is representing XXXX for an alleged debt they say that I owe. SourceRM failed to provide the Oral Agreement, transcript, that I had with XXXX. XXXX Breached its contract and that Breach resulted in the alleged debt of {$470.00}. On dozens of occasions, orally and in writing, I tried to settle this debt to avoid the horrible tactic of this collection agency. They will not remove this inquiry from my credit file and evasively try to get me to pay the debt without removing the alleged debt from my credit file. To be clear, I do not acknowledge the debt and I am merely trying to pay this to debt because it is costing my a lot of money in excessive interest charges from potential lenders. SourceRM is not operating in accordance with the Fair Credit Reporting Act. As a result of my contentment and possible upcoming legal action, SourceRM is in the process of selling off this debt to wash their hands of the debt vice closing the debt. This company practices and ethics are unethical and a violation of my rights. Additionally, one Credit Reporting Agency has already removed this debt from my credit file but 2 others are pending. SourceRm XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX XXXX
01/13/2023	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	NY 14227	Web	Servicemember
On XX/XX/2023 I received a missed call from Source Rec Mgmt. I returned the call which was answered by a representative that was very rude and dismissive. He asked my name and read an address to me and asked if that was familiar. He then went on to tell me this was in regard to XXXX XXXX XXXX XXXX I attempted to explain that it was a dispute as I returned the phones and didn't receive credit for them. After asking how much I thought the phones were worth he said if he could get his XXXX to approve {$400.00} would I pay today. I said no as that doesn't clear the fact that the phones were returned. He became very indignant and condescending and tried to tell me there was no difference. He then said he doesn't have time for this and hung up. Throughout this call there were several violations of the Fair Debt Collection Practices Act as well as other regulation. He never recited the required rights outlined in the FDCPA as the XXXX. He never stated that the call is being recorded. He never accepted and stated he would investigate my dispute as required by the FDCPA. And I would like this agency to dismiss my alleged debt, remove it from my credit report ( or appropriately update it to a dispute ).
03/24/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75092	Web
I went into a store that was still XXXX and XXXX Colorado on XXXX XXXX around XXXX or XXXX of 2020 and paid cash for a phone and had the receipt and still do. But whenever I mentioned I had to receive that was whenever I contacted XXXX multiple times, tried to go to the store immediately after finding out only to find out that the store have been shut down due to a XXXX XXXX and never reopened because they were shortly bought out by XXXX. I have discussed this issue with rent multiple times before and after they were bought out by XXXX getting hung up on or told I would call back by somebody that would be able to help, XXXX has not been able to help either. The charge is for a cell phone that I sent in to get replaced and never got back so not only were they able to still almost {$400.00} cash and ruined my credit, but they were able to still an entire phone from me as well. Like I said I do have proof of all this as well as well as the receipts. I have even contacted and disputed the charge with XXXX XXXX but they said that the charge is verified even though I have attempted multiple times to get them to prove my debt, knowing that they won't be able to as I have the receipts of the pay bill
07/14/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	IL 603XX	Web
On XX/XX/2022 I received a call from Source Receivables Management about an alleged debt to XXXX. I verified my identity with the agent. I advised that I had an updated address which I provided, then I advised them that any communications going forward needed to be in writing only and that they were welcome to send me relevant documents so that I could determine if the debt was in fact mine. On XX/XX/2022 Source Receivables Management called me again. The agent told me that if I didn't pay the debt that it would be reported to credit agencies. I stated again that I was only to be contacted in writing and that I needed to examine the evidence. The agent stated that 3 previous companies had attempted to collect the debt and if I was unable to determine with them that the debt was mine that there was little chance of me getting new information. The agent was rude and demeaning. I called the agency back and spoke with XXXX who again attempted to get me to make a payment. She stated that the company was aware of my request to be contacted in writing only, and that a letter was sent to me on XX/XX/2022, but likely was not received yet. As of this writing their letter has not been received.
01/11/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 10562	Web
I tried to get all credit bureau to get those collections agencies to verify that I owe the debt multiple times, by having those collection agencies mail proof that I owe this debt, and more importantly document showing that they have the right to collect on this debt. Instead they continue to come back with a resolution that they have verified the information as correct on my credit profile. However no proof from such collection agencies that I owe this debt are being provided. I would like a hard copy to be mailed out to my address from those agencies showing proof. Those collection agencies must show evidence of authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is their authorization of law for their collection of information? What is their authorization of law for of their collection of this alleged debt? Please evidence their authorization to do business or operate in the state of New York. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. Until these validation is shown and complete, I will be seeking proof of such debts from collection agencies.
06/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IA 522XX	Web
Got a pay for delete and it wasnt deleted. I recently did a pay for delete on a debt for XXXX on XX/XX/20 in the amount of {$660.00}. I called them to ask for a deletion under the instruction of a credit advisor for XXXX XXXX who was helping me get my credit up for my first home and needed some stuff removed. After explaining the situation to them and why it went to collections to begin with they stated I do qualify for deletion. The company was Source Receivables Management. I paid {$670.00} in full and received a letter from the this collection agency confirming it has been paid in full and that they have submitted for deletion to all credit bureaus they reported to. It was never updated or deleted though. I submitted a dispute through XXXX to have it deleted and included the letter from the collection company stating that it is to be deleted. But XXXX didnt delete it, they just updated it to a {$0.00} balance but left the collection still on there which I couldnt have. They gave me a notification that the information I disputed has been verified and so was left on my report, even though I presented the letter straight from the collection agency stating otherwise.
01/06/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60653	Web
The company Source Receivables Management contacted me in XXXX of XXXX stating that I owed a bill from XXXX in the amount of {$750.00}. I thought it was a scam because I never had a anything in my name from XXXX before. They kept calling me very rudely stating I needed to pay this bill. I repeatedly told them this was a mistake and I did not have a bill in my name from XXXX. Recently they sent a letter that they are trying to collect a debt and I owe in XXXX. Source Receivables Management says the account was open in XXXX and closed in XXXX. I had no knowledge of this what so ever. The address they gave me was to a tire shop and an email with a bunch of numbers. I proceeded to contact XXXX now XXXX informing them of what's going on. XXXX informed me that around that time no id or anything needed to be used to open an account in someone's name and I can't get into the account because I have no information on as far as a PIN number or security answer. This was fraud and XXXX XXXX suggested that I report it as fraud. I would like Source Receivables Management to find the agreement letter on this fraudulent purchase so my name can be cleared and taken off of my credit report.
01/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 23323	Web
I have made several attempts on validating the debt information with Source XXXX Management for a XXXX Account ( Original XXXX Acct # XXXXSource Receivables Management Acct # XXXX ). XX/XX/XXXX ; XXXX XXXX ; XX/XX/XXXX ; XX/XX/XXXX & XX/XX/XXXX. As of this complaint Source Receivables Management has yet to provide signed documentation to the validity of the debt the allege, I own to them. I have asked them repeatedly to not attached this to my credit report. To finding out that Source Receivable Management has reported a derogatory mark to the credit bureaus. Letter were sent demanding the information on the dates above. Source Receivable Management has not responded in the appropriate 30-day window to respond to my last letter date XX/XX/XXXX. Source Receivable Management has been placed on notice to comply with FCRA is validating the information. I wish the information would be removed from my consumer credit report and the Source Receivables Management cease all collection attempts on this alleged XXXX debt. I will be sending out a final letter dated XX/XX/XXXX with is attached. Demanding that Source Receivable Management fix the erroneous error.
11/04/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78626	Web	Servicemember
This company Source Receivables Management is trying to collect {$250.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Source Receivables Management with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Source Receivables Management. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Source Receivables Management. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
12/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 327XX	Web
XXXX aka XXXX SourceRM called me asking for personal information and since I was n't aware of any debt I told them I could provide personal information. I called XXXX to verify the debt and then called the collector back. Someone answered the phone and said " did n't someone speak to you already? '' and I said yes is there a problem with that? and she said " you did n't provide personal information so we cant help you '' I told her Listen I did n't know who was calling me and she hung up on me. Not only very only very unprofessional but also since l will not be getting the verification of debt in writing within 5 days it is also illegal. Called back XXXX the transferred me to collections dept outsourced to the XXXX spoke to XXXX, she told me to call SourceRM the company that was n't taking my call. Asked for a manager, she said it would take 30 mins, I said I had all day. She then told me she could transfer me because I was n't a XXXX customer ( Oh that will get me back as a customer ) Asked for her agent ID number said it was policy not to give out personal information. ( What? ) I reiterated I wanted to speak with a manager and she hung up on me. Great
06/18/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IN 475XX	Web
I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act Collections- Source XXXX XXXX 15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, XXXX, written permission to furnish these accounts.
02/12/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30106	Web
Source Receivables Management is trying to collect a debt that was sold to them by XXXX. I never signed any agreement with Source Receivables Management. I sent a certified letter to them requesting a contract that has my signature on it stating that I owed their company. They sent me the contract from XXXX. XXXX has already written off this debt and received a tax credit for the debt. Also, Source Receivables Management is not licensed in the State of Georgia to collect debts. I have sent certified letters to XXXX, XXXX, and XXXX making them aware that Source Receivables Management can not collect in Georgia and they still verify the debt and leave it on my credit. I provided the credit bureaus with the information that i received from Source Receivables Management. XXXX has stated that they verified the debt via XXXX XXXX. My XXXX XXXX account has been frozen fro over two years. Not sure how they are able to get information from XXXX XXXX when my account is frozen. My account has also been frozen with XXXX, XXXX and XXXX. It is very evident that XXXX, XXXX and XXXX are not reading the correspondence that shows the evidence of my complaint.
09/16/2022	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	NJ 08648	Web
I received a call from Source Receivable ( XXXX ) XXXX on XX/XX/2022 at XXXX pm regarding a XXXX XXXX XXXX. XX/XX/2022 - XXXX pm I was told by a gentleman the balance due was {$900.00} dollars. I explained to him that I left XXXX years ago and the balance was resolved. The man working for Source Receivable told me that I owed this money. I told him that he " wasn't going to overtalk me if you want me to pay this bill. '' That when he said something to effect, " obviously you haven't paid the bill.. '' I asked to speak to his supervisor he hung up. XX/XX/2022 - XXXX pm I spoke to another employee at Source Receivable ( XXXX ) XXXX. I asked for a supervisor. She hung up on my also. XX/XX/2022 - XXXX pm I spoke to XXXX from Source Receivable - asked for XXXX Supervisor, she transferred to XXXX ( a Supervisor at Source Receivable ). She explained the bill, asked for XXXX XXXX number, I need to further dispute the charges. She informed me that XXXX would refer me back to her company. The whole issue is with the first Gentleman I spoke with at Source Receivable Management, he was condescending, abusive, unprofessional, unethical and rude.
07/18/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 331XX	Web
I sent a cease and desist letter request to SOURCE RECEIVABLES MNGMN to stop calling me and they are still calling me aggressive and threatening me attempting to collect on debts that i never owed after XXXX and damaging my excellent credit report. I am writing a complaint to remove this company who trying to collect a debt that is not mines nor did i give anyone permission or my signature to put this on my credit report or open any account without my knowledge i want to dispute the collections on my credit report I am entitled to a fair and accurate credit report, Under consumer law, [ 15 U.S.C. 1681 ] and i am requesting this collection agency provide me with verification of the collections that are currently listed on my credit report. This includes all documentation related to these items, such as payment records and dates, signed contracts or agreements, and any other evidence that supports their validity. Whether or not they are licensed to collect debt in my state if they can not provide me with the requested documentation within 30 days. COLLECTIONS NAME : SOURCE RECEIVABLES MNGMN DATE : XX/XX/2023 AMOUNT {$410.00} past due
08/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WI 530XX	Web
Source receivable is trying to collect an invalid debt they purchased from XXXX. They are making accusations that any left over balance was due to equipment cost which was returned promptly. letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. I also respectfully request to be provided specific proof of the alleged debt with wet signatures and their communication from XXXX regarding my conversations with equipment returns which they stated was received. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time or paid in full.It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late. Please update my credit report and remove immediately
10/19/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NC XXXXX	Web
On XX/XX/XXXX I installed XXXX service from a third party. On XX/XX/XXXX I called to cancel service with this company. I was well within the terms and conditions of the contract. I canceled services before due to they were unable to provide me with invoice billing they stated it had to be automatic billing. I spoke to several rep including two supervisors from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I was even given a credit due to the invoice of what I was experiencing from this company. I was harassed on multiple occasions stating I owed all this money when the services was canceled within the terms. I even called the corporate office on XX/XX/XXXX and they were going to get rid due to this was canceled within the timeframe per the contract. This company never notified me that this is an attempt to collect a debt and I didn't even have the chance to dispute. This has caused me a tremendous amount of hurt due to my credit score has dropped due to their false statements as if I was not paying this account which was canceled. Again I was not notified at any time and given the time to dispute before this hit my credit report
05/26/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	VA 23188	Web
Good Morning I have a problem with two different companies the first one is : Source Receivables Management collecting for XXXX XXXX XXXX, I went bankrupt in XXXX of 2019 and XXXX was added into the bankruptcy they were notified as well then just recently XXXX bought the debt from XXXX and is listing it on my credit report as opened 3 months ago and that is false, XXXX was opened many years ago and discharged in the 2019 bankruptcy and they are illegally trying to collect money and ruin my credit score. please help I have reached out to them and have not succeeded in a resolution. Second one is XXXX XXXX Bank a credit card was taken out in my name i don't know by who and i have called them repeatedly to notify them that i did not take out any XXXX credit card and they are reporting this debt on my credit report. I called and i keep getting some rep from overseas that doesn't know how to help me. I have called XXXX bank and they send me to all different departments and this still hasn't been resolved, its very frustrating can you help? If so please contact me at XXXX XXXX I apprecaite anything you can do Thank you
09/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91977	Web
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.
02/22/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MO 63640	Web
Received a letter in XX/XX/XXXX from Source Receivables Management to pay them for an alleged debt owed to XXXX. I have no direct contract with Source Receivables Management and sent them a letter on XX/XX/XXXX asking for validation including a copy of the agreement that grants them the authority to collect this, any insurance claims that may have been made by the creditor, verification that this alleged debt was assigned or sold to the collector, and any commission they may receive. I received copies of old XXXX contracts and a copy of an old statement but none of these other items. I sent a follow up letter on XX/XX/XXXX stating they did not provide all the requested documentation and need to cease and desist collection efforts including reporting since it had not been reported or completely validated and no longer communicate with me or send mail about this alleged unvalidated debt. Since then I received a letter asking for payment on this alleged debt. Finally on XX/XX/XXXX I received notification that this has now been listed as a negative report on my credit report. Copies of both letters attached.
05/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MN 55304	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/2023 Source Receivables Management XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX Reference Number : XXXX Dear Source Receivables Management, I am responding to your contact about collecting a debt. You contacted me by mail, on XX/XX/2023 and identified the debt as XXXX collection. I do not have any responsibility for the debt youre trying to collect. I have returned all the devices to XXXX per their agreement and provided pictures of the tracking numbers and packages that included all four phones ( 2 phones per box ). If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. Thank you for your cooperation. Sincerely, XXXX XXXX. XXXX
01/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78664	Web
Received a debt collection notice on XX/XX/XXXX. I responded requesting verification of this debt by certified mail. SRM received the dispute on XX/XX/XXXX. Attached is USPS tracking XXXX. No response until XX/XX/XXXX. Letter is dated for XX/XX/XXXX. This is 47 days outside of the FDCPA section 809.15 USC 1692g. I clearly in my first letter requested proof of the amount that XXXX claims I owe and was sent back a contract with no verification of what exactly I owe and what for? I currently use XXXX and service with them and have no outstanding debt owed. I received a phone call at XXXX XXXX central time zone on XX/XX/XXXX. This call came from SRM claiming I owe a debt. I again asked for clear verification how I owe {$260.00} and the lady on the phone refused to clarify that debt claimed I owe. I called back and spoke with XXXX at XXXX XXXX on XX/XX/XXXX and she hung up on me after I told XXXX that their response was past the 30 days under FDCPA. I also tried to explain I need better clarification of the debt. Please see evidence attached to this complaint. This debt is false and misleading.
10/19/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	KS 66106	Web
Name of Company : Source Receivables Management Amounts : N/A Dates : last date XX/XX/2022 Actions Taken : For 3 years this company has been calling our cell phone looking for someone by the name of XXXX. Each time they were told that this person was unknown to us. Then 3 months later we receive another call from them, from a different phone number, but the company name was still the same. We have requested that these calls cease, however, after XXXX XXXX years of this I contacted them after they hung up in my face when I requested their address. Again today they called again and I was able to obtain their address after they once again called. This is harassment for one, this person is not known to us for two, and I was a debt collector for 13 years and am aware that once a collection agency is advised to cease communication and that this is a wrong number-that they are to no longer call. I even spoke with XXXX XX/XX/2022 who stated she was a manager and she refused the address. I am tired of these calls and would like to know how to sue them. This has gone on for way to long.
08/10/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	PA 19134	Web
I disputed with all 3 credit bureaus via certified mail, article numbers availible upon request. Source Receivables also received a validation request after identifying this alledged debt on my credit reports. This debt appears on my credit report as Account # '' 1 XXXX '' with alledged amount owed {$2100.00}. This company has violated my rights under the FDCPA and FCRA .I also mailed via certified mail return receipt requested, article number availible upon request. I received mail from source receivables that provided partial validation.The documents received is not validation under Federal Law in accord with the FCRA section 809. Additionallythe documentation has nothing to do with me. I have enough problems, a recent diagnosis regarding a debilitating illness and unemployment. I plead with CFPB to assist me in this matter and stop this company from ruining my credit regarding this alledged debt that is not mine.I want this information removed from all 3 of my credit reports immediately. I appreciate the time and effort in advance regarding the involvement of the CFPB.
04/04/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ XXXXX	Web
To whom it may concern : In response to your previous message, I know you are a third-party company, but I need help understanding why a third-party company is trying to collect what I don't owe them. You don't have my address because I've never received any alleged documents. My email being on records doesn't prove anything, I'm not going to explain anything about this to you, but I thank you for the attached documents. You are incorrect, and so is XXXX. The alleged phone bill is undoctored, right? How is the phone bill less than what source receivables are trying to collect if it's the total bill? These documents prove that XXXX charged me for a phone they claimed to have given me for free on a promotion they were having, so thank you for that. I had devices paid off on this account, and XXXX was still collecting for them. The dates don't match up with when the devices were purchased. I will file a complaint with the XXXX and the attorney general office about this issue. I've already complained to the FTC. Also, I still need proof of my signature on a document.
03/19/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23452	Web	Servicemember
SOURCE RECEIVABLES M XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Is attempting to extort a debt that has already been deemed as fraudulent. They purchased the information around the same time as it was resolved with original Company XXXX. I am a victim of idenity theft and am dealing with multiple versions from data breaches to family stealing my information. The debt buyer stated above have Interrorgated me and harrassed me on every statement I made about who stole my identity and, how, and why didnt you report it, yet I did and am doing so again now. They did not contact me prior to adding a bad debt to my credit which is another violation of my rights and have not provided any validity to this debt as requested in certified return reciept mail I had sent the date I noticed the debt on my credit reports. I want this XXXX account removed from all 3 credit bureaus immediately, as I am well within my rights to seek damages for my score being drastically lowered due to their negligence and unfair debt collection practices. I will not pay for a debt that is not mine.
01/26/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 75089	Web
Collection agency sent me a demand letter on XXXX XXXX, XXXX giving me 30 days to dispute. I notified them I had no knowledge of this bill with XXXX and that it was fraud. I contacted XXXX and they confirmed it was fraud. On XXXX XXXX, XXXX I sent the collection agency my police report, my proof of address when the outcome was opened, my ID card, and my notarized XXXX fraud affidavit. The collection agency notified me the same day that they would forward everything to XXXX to get resolved. At this point this item was not on my credit report. I never heard/received anything further from the collection agency. On XXXX XXXX, XXXX I pulled my credit just to check to make sure nothing was reported, however to my disbelief the collection agency was on there as of XXXX XXXX, XXXX. Not only did the collection agency never provide me with documents proving I owe the debt, but they also reported this negative item to my credit report prior to my 30 day dispute timeline. Not only that, but they also reported this to my credit even though they were aware this was fraud.
02/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60628	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. SOURCE RECEIVABLES MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
07/26/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	GA 30253	Web	Servicemember
XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX There have been numerous times, where this debt collection agency has called me attempting to collect a debt that I have disputed in XXXX of XXXX and they have failed to submit the requested documents showing that they are legally able to collect this alleged debt, as well as prove that this debt belonged to me. At this point, this is harassment and not to mention a violation to my rights as pursuant : 15 USC 1692 ( 5 ), " Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number '' ( which results in 4 phone calls within 7 days, as listed ) 15 USC 1692b ( 2 ), " not state that such consumer owes any debt '' ( agent expressed I owed a debt with XXXX ) 15 USC 1681b ( 2 ) " In accordance with the written instructions of the consumer to whom it relates '' ( I did not authorize or give permission for this agency to place any collection on my consumer report )
03/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 20176	Web
XXXX sent a closed account to collections company SOURCE RECEIVABLES stating that I owed money for equipment and additional service. When I closed the account i ported the phone number over, prior to I had just made my last payment. I requested return service for the equipment, and this never happened. I called XXXX several times to return equipment. XXXX never closed the account as requested and continued billing on equipment no longer used. This statement is from SOURCE RECEIVABLES, the collection agency XXXX CONTRACTED to collect on. We have received and reviewed the consumer complaint. Source Receivables Management is a third- party collections agency that was hired by XXXX to collect on past due funds. Source Receivables Management does not own any debt. XXXX placed this account, XXXX Account # XXXX, with our agency on XX/XX/2022 with a balance of {$2200.00}. Of this balance, {$1600.00} were due to XXXX charges for devices. The remaining balance was for services rendered. If devices were returned, we would need proof of the returns.
08/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 230XX	Web	Servicemember
On XX/XX/2021 I canceled our XXXX XXXX account and switched to another carrier due to : contract was expired, XXXX breached our contract, and by making changes to our plan that was done without our approval or notification and absolutely horrible customer service. I made a final payment in XX/XX/2021. XXXX continued to charge my Wife 's XXXX XXXX on the following date : XX/XX/2021 for {$260.00} XX/XX/2021 for {$260.00} XX/XX/2021 for {$260.00} XX/XX/2021 for {$26000.00} On XX/XX/2021, I spoke with a XXXX representative name XXXX, pronounced " XXXX. '' He was very professional and courteous. After gathering my information and researching our situation, he was able to credit the above fraudulent charges back to my Wife 's XXXX XXXX. I have copies of my Wife 's credit card statement showing the charges were removed and XXXX added them back to my Wife 's card. I have received numerous harassing phone calls at home and at work. XXXX then turned over the above amounts that included penalties and interest to multiple collection agencies.
01/03/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 08901	Web
I have been trying to remove this {$620.00} debt XXXX original creditor, from my credit reports for the last 3 years as this debt does not belong to me, when continued letters of correspondence with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX, and now with Source Receivables XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX Management requesting documents to establish validity such as signed contracts, signatures, what services or equipment was obtained, tangible evidence neither XXXX or Source Receivable Management the present collection agency have not sent me acknowledgement of the requested documentation, nevertheless while in dispute status this still is reported to all the credit agencies, and the original creditor sold the debt to the above collection agency, and has continued to report a balance owed. Thats double the damage and is not permitted, Under the Fair Debt Collection Practices Act, debt collectors must send the consumer a written notice of the debt within 5 days of initial contact with you which never happened.
05/05/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 43207	Web
I have a a unverified account from SOURCE RECEIVABLES MANAG # XXXX . I had previously disputed this account. I have never done business with SOURCE RECEIVABLES MANAG. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that SOURCE RECEIVABLES MANAG Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that SOURCE RECEIVABLES MANAG Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
11/30/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NV 89052	Web
I canceled a contract with XXXX ( security company ) for failure to abide by the terms of the agreement. I then pursued charge reversals through my credit card company. My credit card company sided with my case on all but 1 of the 8 charges I disputed. That 1 charge they did not side with me on was a lump sum payment for {$430.00} for early termination. I have called XXXX to work this out but they forwarded my account to a debt collection company called Source Receivables Management, located at XXXX XXXX XXXX , XXXX XXXX, XXXX, NC XXXX. I have received 8 phone calls from them, I have answered 3 of them, for the first 2 I explained the situation to the agent, the agent said they made notes on the records to reflect this, I told them to stop contacting me, yet they persist, with multiple phone calls every week, and phone calls as early as XXXX XXXX. They will not stop persisting no matter how many times I explain the situation, no matter how many times I ask them to stop calling, and they do it at unreasonable hours of the day.
04/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76010	Web
On the XXXX of XXXX, XXXX I bought a phone and a line from XXXX XXXX, the term of purchase was that I can return the phone within 30 days. The nature of my job is delivery of goods and services and one major reason I bought the phone was ro help me navigate the road with the GPS but this phone was a total failure and disappointment as it could not perform my intended need. I returned the phone on XX/XX/XXXX which was within the 30 days of agreement and i paid the return fee of {$45.00} and i have the receipt with me and this was settled but this XX/XX/XXXX, I got a call from Source RM alleging that I am owing XXXX XXXX on the same phone that I have returned and paid return fee on. I had called XXXX XXXX about this and was told that i have returned the phone and that i do not owe any money. Please Source RM has reported me to the Credit bureau and this has destroyed my credit rating and i am going through a lot of untold inconveniences from Source RM. Please help me as i have all hardcopy and soft copy receipts. Thank you.
09/05/2023	Yes	Debt collection Telecommunications debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76002	Web
This company which I hold no contractual agreement with no have received services from has opened a collection against my SSN and have reported to the credit agencies that I owe a debt of {$310.00}. They have reported used XXXX, XXXX and XXXX to damage my credit. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party who you claim to have received services which has caused for you to seek a debt to be paid and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Considering there is no contractual agreement Nor have I received services from this company I am not binding nor obligated to pay any debt.
01/02/2020	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	NY 142XX	Web	Servicemember
Source recievable management PO BOX XXXX XXXX, NC XXXX I have been recieving calls on a XXXX XXXX that I owed ... The collector calling me was rude right as soon as I questioned the amount. I have a right to ask about a such a large balance ... I want to be sure that the amount is correct and such and see the chain of debt ... thats not a problem plus it is my legal right. After finally agreeing give me an address she followed with " collection activeties will continue after the validation process has begun '' ... I know this is a direct violation to the FDCPA. fURHTER THAN THAT, HER TONE AND ATTITUDE TOWARDS ME STATING " WELL ITS A HIGH BALANCE AND YOUR TRYING TO DISPUTE THIS ... YOU KNOW THE TABLETS YOU HAVE '' is beyond harassing ... You have no idea what I may have gone through or may be going through ... I am humiliated to be talked to like that ... This is embarassing to be in this situation to begin with ... I am going to be having an attorney help me resolve this if the company is unable to resolve this ...
06/09/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 71118	Web
After recently filing a complaint with Sources Receivable Management, they sent me verification documents to validate my debt. I am so very glad that they finally did. They wouldnt before I filed the complaint and now I know why. They have a totally incorrect address on both lease agreements. I have never lived in XXXX I got married two years ago so my maiden name is XXXX but the debt is not mine. My signature was forged on both lease agreements from sprint and I have a valid XXXX ID to prove this. Both lease agreements were forged. The two signatures on each lease agreement are two totally different signatures. They attached the same documents in the thier response on my previous complaint. I now have proof that debt they are reporting to the credit bureaus is indeed NOT VALID. Due to previous false reports from them saying they spoke with me and falsely notating my account saying that I agreed to pay the debt I decided to file another complaint so that I will still have my proof if I have to seek legal action.
07/22/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	GA 303XX	Web	Older American
XXXX Please review this case. I tried to add information that this company has placed on my credit report, negative information that I had no idea about. They sent their request to collect their debt to someone other than myself. XXXX stated that her conversation, which you have taped, was sent to XXXX 's address. I have never lived on XXXX. The email address that was sent is not mine. I still do not have the information that the account was paid to date. They have not sent me a receipt either, and I have been so stressed that I am a XXXX XXXX survivor, and now I have to go back and have my mammogram redone. I finished treatment in 2017. I have not had any issues until now. I was triple negative, and there are no drugs I can take to prevent it. I was shocked when I found this on my credit report, which is not valid. I'm raising an orphan, and now my credit is ruined. How can someone bill you and then, when you question it, pay it and report it to the credit bureau? This entire action is a lie.
06/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 303XX	Web	Older American
I called XXXX and spoke with XXXX, who asked me for my account number at XXXX. I did not have my phone number, but I had the account number that the collection agency had given me, XXXX. He stated that the information was not correct and that I would need to answer security questions. I told him I did have that information, only the information that was given to me by a collection agency. I told him I did not understand why I would receive a bill now when I did not receive one when I transferred to XXXX. But now that I am not with XXXX now, I have a bill that I am not aware that I owe. He told me if I could not authenticate my information that, I had to contact the collection agency, and that was all that he was able to do since the account had gone into collection. I asked him if there was anyone else I could complain to. I want to do that. He stated I would have to contact the collection agency if I needed assistance. I attached the information from the agency, and I recorded my call with the agent.
06/10/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 76504	Web
Hi I left XXXX over a year ago in pursuit of a cheaper monthly plan due to hardship which on numerous of times was discussed with XXXX Reps. I then went to XXXX who a little while after purchased XXXX. Before doing so, while at XXXX I contacted XXXX who stated I had a bill to settle for about {$300.00} dollars. XXXX would not take the XXXX Note that I had as a trade in so per XXXX I needed to return it and they would credit that to my account and I would only owe what was left and make a payment plan. I spoke to a XXXX XXXX who states they would send me the info to return the phone and after several other attempts that still did not happen I guess due to the pandemic chaos, im assuming. Then shortly after I started to get many many calls every day from a third party collections ( SOURCE RECEIVABLES MNG ), and now an attorney 's office ( XXXX XXXX XXXX XXXX trying to sue and/or harassing me to settle the bill that I have honestly tried to settle with XXXX directly and now charging me over {$2300.00}.
08/17/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92376	Web
In 2015 I opened an account with XXXX for my little sister, which was all fine. My little sister then went in to the XXXX location and opens up additional lines, and was also allowed to lease additional phones in my name with out my permition and XXXX allowed her to sign contracts linked to my account with out contacting me or a signature from me. I had no inclination of the addition lines and phones until receiving a collections letter in the mail from SOURCE RECEIVABLES MANAGEMENT So I called the professional debt collectors I was connected to a representative by the name of XXXX our conversation was not going in a professional manner, so I asked XXXX if I could speak to a supervisor XXXX then told me just because I wanted to speak to a supervisor didnt mean I get too, I then asked her if that was their policy, and how they normally treated customers? XXXX informed me that that it would be my credit that would be damaged not hers, and told me she was terminating the call and hung up the phone.
02/28/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 93291	Web
I received a call from this number XXXX. They identified themselves as source receivables management. When I asked them what was this pertaining to they stated a business matter I asked what business and they hung up. I then decided to look this company up online and call them directly to see if it was legitimate. They answered and stated my name I asked why they were calling and they hung up. I called back 11 times and asked for a supervisor. They transferred me to an individual whos name I did not catch and asked if this was source receivables management and he stated you tell me you called us they refused to identify themselves and what they were calling about. I then requested if they cant verify then they need to send documents or something certified in regards to their request. He said theyre not going to do that. I would like them to stop contacting me if they have no reason to be contacting me. I have absolutely nothing in collections or owed anywhere on any credit report or entity.
01/19/2023	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 63401	Web
XXXX either cell phone or cable bill of XXXX, XXXX XXXX have proof I never received service with them anytime.i always have had XXXX that is a government agency phone service.. now I know about it and XXXX said that I needed to report it because it is damaging my credit, plus it fraud due to me not knowing about it.. I came up here in XXXX XXXXalso I have been living at XXXX XXXX XXXX now for XXXX yrs.first I stayed in XXXX XXXX, for XXXX XXXX with my mother XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX taking care of her.then she moved out, XXXX, I then moved in with my uncle XXXX XXXX XXXX to his XXXX XXXX at the end of still at XXXX but I moved in XXXX XXXX with my uncle.that was in the end of XXXX and I stayed with him until XXXX of XXXX is when I moved out of XXXX XXXX to move in with now my fiance sense XX/XX/XXXX and been at my address dents then.witch is still at XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXso I don't know how they were able to get my information and damage my credit.
03/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33603	Web	Older American
XXXX XXXX Yesterday XX/XX/XXXX I call at XXXXXXXX XXXX and I explaine that i receive in my credit report a account in collection from XXXX XXXX The agent took all my personal information and he verified that I don't have an account with them. And he sugested for me to go personally to XXXX office which I did. Today XX/XX/XXXX Personally visit at XXXX the oficce located at XXXX XXXX XXXX with my ID and They verified all my information and agree that i dont have any account with them but still in my credit report and in collection. I desided to call XXXX XXXX and they had advise me to contact you. I will apreciatte is you take any action in this matter this account. XXXX XXXXXXXX Also yesterday XX/XX/XXXX I call at XXXX XXXX the collection office that is in charge of this account and after having me an hour interviewing me I also explain that I had disputed three time this account she told me that I need to paid the whole amount and this account is not mine this is call FRAUD.
03/25/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 94609	Web
I had a cell phone bill unpaid with XXXX that went to collections, XXXX XXXX XXXX and I agreed on repayment terms which I paid as agreed. Per the letter I received afterwards there would be no further collection attempts on the remaining unpaid balance and the item not reflected on my credit history. That did not happen XXXX sold the remainder balance to a new collection agency, source receivables, and they pressured me into paying the Remaining balance owed for the same previously settled account with XXXX remaining balance. I paid this in an attempt to prevent it from resurfacing on my credit. The collection account remains on my credit report ... XXXX is unable to tell me why it was sold again claiming a step was missed by XXXX and as a result the collections was sold again to source receivables. I have attached a letter from the original collection agency XXXX ... can you please affirm this letter and have source receivables remove the item from my credit history? Thank you
04/04/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OH 45431	Web
On XXXX, I contacted XXXX via online chat to resolve the inaccuracy of the final bill for service. I switched carriers in XXXX 2020 and have been overcharged ( double to be exact ) for the final XXXX bill. I have included a copy of the online chat showing the representative saying I was not charged a late fee and later in the chat he tells me I am being charged a late fee. I am not denying the debt however being charged an additional month/late fee seems to be unethical from XXXXXXXX. As a consumer, I don't understand how this company can overcharge their customers! XXXX keeps sending the debt to different collection agencies instead of correcting the bill by showing the CORRECT amount due. I can not freely give away hard earned money to a company who is purposely overcharging customers and will not be honest about charges incurred. The chat is attached for your review. Once again, XXXX has sent the debt to collections ( Source Receivable ) instead of correcting the bill.
04/30/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY XXXXX	Web
I canceled my service with XXXX and switched to XXXX. I have the chat printout of my cancelation. However, XXXX kept on billing me cancellation. I paid all my bills as long as I XXXX XXXX XXXX many years ) on a timely basis, but I am not ready to pay for a period of non-service. I contacted XXXX, asking why I am being billed after canceling. XXXX stopped billing, but transferred the account to XXXX XXXX XXXX XXXX XXXX XXXX I contacted XXXX XXXX XXXX, XXXX with the same and they stopped billing. But they transferred the account to SOURCE RECEIVABLES MNG ( XXXX ). I contacted XXXX and provided them with copies of my chat to cancel, but instead of addressing the issue, they keep flagging my account on XXXX and other credit reports. This causes me tremendous damage as I try to obtain financing in these trying times. All I ask is either XXXX should get back to me explaining why they believe that I owe anything after I canceled my service, or they should stop harassing.
10/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IL 60441	Web	Older American, Servicemember
I was a XXXX customer until XX/XX/XXXX. On XXXX/XXXX/XXXX I received a letter from SourceRM stating that I owed XXXX {$36.00}. I called XXXX, complaining that they waited 17 months to contact me. I requested that they check their records, and after a 10 minute delay told me that I owed nothing. I checked my bank records to prove that I had paid the full amount of over {$60.00}, but they only credited me with about {$30.00}. If they were able to check their records and show that I had paid the full amount, why did they refer a {$30.00} past due notice to a collection agency? On XX/XX/XXXX I called SourceRM and the woman who answered the phone verified that my account showed " paid in full ''. Today, XX/XX/XXXX I received another letter from SourceRM reminding me that I owe {$36.00}. I 'm assuming at this point that it was mailed before I called them on XX/XX/XXXX. My concern is that many people would just pay the {$30.00} to avoid " a negative credit bureau record ''.
06/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77066	Web
I never opened an account with the company listed below. I asked them to send me information to validate this debt that bears my wet signature and they refused. By FCRA law, no collection account should have any past dues balances. If they can not produce the documents that validate the debt that they claim within 3 days, I will follow up with a legal suit. Because this is fraud. I asked them to cease and desist from contacting me by phone, by my employer 's phone, and by entering information on my credit report. Please remove it immediately! Account info Account name SOURCE RECEIVABLES MNGMN Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$960.00} past due as of XX/XX/XXXX. Status updated XXXX XXXX Balance {$960.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$960.00} Highest balance - Terms 1 Month On record until XX/XX/XXXX Please remove it immediately!
01/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 326XX	Web
acount number XXXX am having problems with my credit, a person is using my identity and has been damaging my credit for years, here I present information about the accounts that appear to me today that are not mine. the first is from XXXX XXXX XXXX credit card date opened XX/XX/XXXX acount charging {$3100.00} contact info XXXX XXXX XXXX the second one is : Account info Account name SOURCE RECEIVABLES MNGMN Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$920.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$920.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$920.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX please help me my personal life is affected by this you can call me at XXXX XXXX XXXX I found this address and phone number of the person who is doing the fraud. XXXX XXXX XXXX XXXX ma XXXX XXXX and XXXX
09/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	CA 93534	Web
I discovered this collection account after it was already sent to collections. I never received an initial letter of my right to dispute. I immediately faxed a dispute letter to the creditor and they have not contacted me and continue to report on my credit. I have no knowledge of this account and request proof of the following : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in California ; ( 5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. ( 6 ) Please provide a complete account history, including any charges added for collection activity. ( 7 ) What is your authorization of law for your collection of this alleged debt? ( 8 ) Please evidence your authorization to do business or operate in this state. Thank you.
12/01/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 238XX	Web
XXXX XXXX XXXX had reported on my credit report that I owed them {$1500.00} which I disputed and submitted documents to them and all XXXX credit bureau. XXXX of XXXX, Today is Thursday XX/XX/XXXX I checked my credit report and noticed that Source Receivable has placed a collection account on my credit report, for the same debt as before, I reached out to them asking for a written contract between them and myself. I then reached out to XXXX, XXXX, XXXX, which I submitted documents before explaining that this account is not mine and its someone using my information, the collection account was removed from my credit report and now XX/XX/XXXX its back on my credit report. Stating that I owe XXXX {$1500.00} Ive never had XXXX and this is not my debt. I also submitted a copies again to all 3 credit agencies of the letter that I had sent to each credit bureau before explaining to them that I had disputed this account before and now its back on my credit report.
07/13/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 77489	Web
Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a Medical Creditors Validation letter with HIPPA requirements to SourceRM. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was validated wrong by SourceRM. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, that no Debt Buy can hire another debt collector to collect for them in Texas my debt should be removed off my credit report and out of the office of SourceRM and XXXX XXXX XXXX. Because neither collection company is abiding my Texas FDCPA.
11/30/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33604	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account # XXXX source receivables mng, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
03/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30294	Web	Older American, Servicemember
In XXXX of 2018 I purchased a cell phone and plan from XXXX. I put my account with them on auto pay, primarily because of my health and XXXX XXXX. I explained to the representative that this was the reason and that it was imperative that my service not be interrupted for this reason. In the following two consecutive months my phone service was interrupted twice for no apparent reason through this company was paid from the auto-pay I had set up. I called them and explained that I could not trust my life to their service and switch to XXXX XXXX. They placed me up for collections, I disputed it and it was taken off my credit report. This company Source Receivables Mng., has brought this old debt from XXXX and is trying to collect on a old settled debt. This company sent no letters or information about their intent to collect and therefore has been the cause of thirty plus point loss on my credit report. This was wrong and very damaging to my credit.
02/04/2020	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 336XX	Web
I called and to settle the debit and pay it that day if it was removed from my credit reports. They offered a settlement of {$520.00} instead of the {$1000.00}. But she said if it was settled that it wouldn't be removed and they would only updated it and they said the only way they would delete it is if i paid the full balance which was strange because every collection company i have ever dealt with works with you. Not this manager at source receivables. She was chuckling and very condescending and making XXXX XXXX comments. Like we talked to you in the past and told you the same thing so .... No need to talk down to me when I am trying to ask for help and buy my first home. I said I only have the amount to pay this thing in a settlement and would only pay if its removed cause there is no point if its just left there to damage my credit. She said well if you don't pay it in full its going to stay on your credit and prevent you from getting a home.
11/09/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78249	Web
A complaint was filed against on XX/XX/2018 against this company, the company responded on XX/XX/2018 and said ( see below ) they have requested to delete the account from Credit Bureau. As of today, the collection is still on the report and credit bureau said they have not received any notices form SOURCE RECEIVABLES Management to remove the collection. I have also disputed the collection account with credit bureau and they submitted my dispute to SOURCE RECEIVABLES Management but SOURCE RECEIVABLES Management affirmed the collection being valid. ************************************************************************ XXXX Company responded STATUS Company responded on XX/XX/2018 RESPONSE TYPE Closed with explanation We have received and reviewed the consumer complaint claiming that this account is fraudulent and therefore he is not liable for the debt we have reported to the consumer reporting agencies, and requests deletion from such agencies.
04/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60137	Web
Im making this complaint against SOURCE RECEIVABLES MANAGEMENT for identity theft. I have never given SOURCE RECEIVABLES MANAGEMENT any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC \|1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until SOURCE RECEIVABLES MANAGEMENT can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and SOURCE RECEIVABLES MANAGEMENT continues its collection efforts, I will file for litigation for actual damages caused and SOURCE RECEIVABLES MANAGEMENT will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.
10/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 933XX	Web
I received an email from XXXX ( my credit monitoring services ) on XX/XX/2020 about a new account that was added to my ; XXXX XXXX XXXX XXXX reports from " SOURCE RECEIVABLES MNG / Original creditor : XXXX, ACCT # XXXX '', which XXXX / XXXX has hired a second, third party collection company after this account was removed from the other third party collection company " XXXX ''. This is a fraudulent account on my credit report. I am a victim of identity theft, I did not authorize anyone to use my name or personal information to seek ; money, credit, loans, goods or services from " XXXX '', " Source Rec MNG '' or " XXXX ''. This is my final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the FCRA ( Fair Credit Reporting Act ) regarding your refusal to delete the FRAUDULENT account information from my consumer file. Your failure to REMOVE this account has hurt my ability to obtain credit.
11/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33034	Web
I reviewed my credit report and saw the following collection that I have not received documentation stating this debt is mine and I am not responsibile finanically for it. It affecting my ability to qualify for credit. Please review below is the contact information. SOURCE RECEIVABLES MNG Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2021 Account type Collection Paid off : 0 % Balance on XX/XX/2021 Original balance {$520.00} {$520.00} Payment Info Original balance {$520.00} Balance {$520.00} Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX 's internal collection department Status date XX/XX/2021 Additional info Comments- Your statements- Contact XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
08/06/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 760XX	Web
On XX/XX/2016 I opened an account with XXXX. After four or five days I switched back to XXXX XXXX XXXX. On XX/XX/2016 I returned both phones to the store and paid the {$35.00} restock fee for each phone. XXXX has turned me into collections for {$1800.00} for the phones. I was not provided a receipt by the clerk at the time I returned the phones. He gave me some reason which I can not remember. I have my bank statement showing each {$35.00} deducted from my account to XXXX on that day. The collection company, Source Receivables Management, will not remove this debt from my credit report. I have spoken to management at the store who have told me they can track the phones through the IMEI number, that it has been initiated but it has gone nowhere. Source Receivables will only accept a receipt showing I turned them in. The store has looked in their system and it doesn't exist. I feel like the clerk took the phones leaving me on the hook.
10/25/2023	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	AL 350XX	Web
SOURCE RECEIVABLES MNG Account # XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
07/19/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 20774	Web
I disputed an item that was falsely added by this creditor. On my credit file they claimed i owed {$290.00}. On XX/XX/18 I sent my first letter, this letter was received by them via certified mail on XX/XX/18, After 30 days passed, this company sent me a letter dated XXXX that looks like a bill, this bill didn't reflect any contract or my signature stating that I have any kind of agreement with this company or it's alleged client. I sent them a XXXX letter on XX/XX/18 disputing the derogatory they have, this letter was received via certified mail by them on XX/XX/2018, this company had no response to my XXXX letter and furthermore they continue to report this false item on my credit profile to all 3 bureaus. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. Again, a print out of a bill is not valid, I need the actual contract from this company.
04/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 616XX	Web
I have been subscribing to various credit monitoring services for quite some time now due to fraudulent activity. Today, I received a notification from XXXX XXXX that a new collections account was placed on my credit with XXXX. Though it is not currently showing up on the other two ( 2 ) bureaus, it is unknown whether this creditor intends to report to the other bureaus as well. I was never contacted by XXXX XXXX prior to this account being placed on my credit. Had they of contacted me, I would have provided them with the FTC Identity Theft report that was previously filed including this account. Previously, the only information I had was that there was a credit inquiry from XXXX. This is the first I have been made aware that an actual account had been established. This creditor has violated the FCRA by placing this account on my credit report without first giving me the opportunity to dispute the debt as allowed by law.
07/16/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 63136	Web
I have disputed this bill over and over many times. The credit bureaus takes the bill off and put it right back on with difference collections agencies trying to collect for this bill. I have included the dates of the reports to prove them putting this collection back and forth, I need them to stop taking the bill off and putting the bill back on my credit report. This is harming me and messing up my credit along the way. Please stop them from putting this on my credit again and charging me more money. Please keep this bill off of my credit and removed it. They skip months of putting this bill on my credit and then after 3 months they come right back and put it on my credit with different companies. Now on the XXXX credit bureau report ; it is stated that this Source Receivable MNG stated that they open this account in XXXX but on my XXXX credit bureau report shows I do not have any collections. This is yet harming me.
07/17/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29407	Web
I received a letter in the mail from Source Receivables Management dated XX/XX/2021. This is the first letter that I received from this company. It is regarding a bill on the letter it stated that I had 30 days after receiving this notice to dispute the validity of this debt, or any portion of the debt. I sent my response letter dated XX/XX/2021, certified and per the tracking, results were delivered on XX/XX/2021. As you can see this is well within the 30-day notification window. By law, if a consumer requests validation of debt the creditor should not report this to any credit reporting agency until I have had my legal timeframe to validate the debt. I have yet to receive a response from Source Receivables Management, but just yesterday it started reporting on my credit report to every agency. This collection account needs to be deleted from my credit report as I was not given my legal right to validate this debt.
10/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MI 484XX	Web
This account was fraudulently opened around XXXX?. Not sure on the actual dates. I have been in contact with XXXX multiple times and told them this account was not mine. They sent me paperwork which I filled out and returned. They will not give me any info on this account because my info don't match their files.. I have disputed this collection with XXXX XXXX since XXXX. The dates of these disputes are : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They keep saying that info is verified. I have never had XXXX XXXX or a XXXX device. I've had XXXX XXXX since XXXX. The date opened on my report is incorrect. The creditor keeps changing. I never made a payment because I didn't know about this account until it was on my credit report. I can't get any information from XXXX to resolve anything. My purse was stolen along with my S.S card and I.D . I have multiple accounts I'm dealing with.
07/20/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 190XX	Web
I was contacted via telephone by Source Receivables Managment regarding a debt. I asked them for their address to mail them a debt verification letter. On XX/XX/XXXX, I sent them a letter asking them to verify the debt amount, including any fees, and who the original party that is making the claim via certified mail. This was received by them on XX/XX/XXXX. On XX/XX/XXXX, a letter was sent to me with a bill in the amount of {$660.00} from XXXX XXXX XXXX On XX/XX/XXXX, I sent another certified letter to Source Receivables Management advising them that I am not responsible for this debt and asked them to send me a signed contract proving this debt belongs to me, including but not limited to and proof that you are licensed in Pennsylvania. On XX/XX/XXXX, I received a letter from Source Receivables Management that stated, " our records indicate we have already responded to a previous request for validation. ''
02/15/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 30141	Web
On XX/XX/XXXX I checked my credit reports to ensure that there were no surprises prior to applying for credit to purchase a car ( I am a recent college graduate and will be starting a new job in a few weeks ). Appendices " A '' and " B '' show that as of XX/XX/XXXX, Source Receivables Management was not listed on my credit report and I had not received any documentation from them concerning the debt that they claim I owe to XXXX. On XX/XX/XXXX, I was alerted by my credit monitoring service that a new collection had just been added to my credit report. Upon my requesting my credit reports again, I discovered that Source Receivables Management was assigned this file ( Appendices " C '' and " D '' ) on XX/XX/XXXX, but I have never been contacted by them or given the opportunity to dispute the debt prior to it being reported to XXXX ; XXXX ; and XXXX, thereby damaging my credit history and score.
08/22/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 088XX	Web
XX/XX/2020, received a letter in the mail that I owe {$5300.00} for XXXX XXXX XXXX Letter did not have XXXX account # or any details about why I owe this debt? Looked on Internet, and they are scam company, who drums up these false debts, report to your Credit Score, and ruin you r credit while demanding $ $ $ to repair the Credit Score. This is from my credit score : Status Date Reported XX/XX/2020 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Bureau Name SOURCE RECEIVABLES MANAG Original Lender XXXX XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$5300.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Remarks Placed for collection.
12/26/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 44120	Web
XXXX attained my personal information without my permission. This collection agency doesn't have my verbal or written consent to have possession or disclose any of my personal information. The company violated my consumer rights by sharing unauthorized information with other third parties and reported unverified alleged debt that I refuse ownership or know of. This collection agency refused to follow the law and illegally report this collection to my consumer report. This company refused to respond to any letters I have mailed demanding verification of debt as well as following my cease and desist. I am giving the company XXXX days to remove the collection from my consumer report. If the collection agency refused then I will file a claim with the ohio General attorney 's office to start legal action on the sixth day. This is not an attempt to threaten but to outline my rights as a consumer.
07/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92234	Web
Source Receivables Mgt., account no.XXXX has been placed on my XXXX file and my XXXX file and may appear shortly on my XXXX file.The collection account is for original creditor XXXX.This debt was previously owned by XXXX XXXX ( CFPB COMPLAINT # XXXX ), and after them by XXXX XXXX ( CFPB COMPLAINTS XXXX,XXXX,XXXX ). ALL COMPLAINTS DESCRIBED THE FRAUD OF THE ORIGINAL CREDITOR XXXX and all disputes ended in deletion for that fraud ( will attach my story with XXXX here ). In Addition it is commonly known that even today XXXX services do not function in XXXX XXXX for the lack of sufficient cell towers to provide adequate service. Some attorney could do well with a class action for selling phones and service that do not work.Call any Realtor in the 8 cities of XXXX XXXX to ask about cell service..not any of them will have XXXX because realtors can't put up with interference and dropped calls.
07/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WI 530XX	Web
Source receivable is trying to collect an invalid debt they purchased from XXXX. This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. I also respectfully request to be provided specific proof of the alleged debt. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time or paid in full.It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late. Please update my credit report and remove immediately
03/31/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OH 44122	Web
Source management is trying to collect on a debt not owed. I sent a response to the first complaint stating my situation was unfortunate, but I signed the contract ; other than being very careless by representing a company that has manipulated a person into a contract is not unfortunate. It's against the law ; furthermore, as I explained, the debt was paid in full two foIds. also, the collection sent two contracts for two different homes. I only own one home, which would make sense and support my statement of being FALSELY charged, the overcharge. it is a sad day when a company knowingly represents the company with such fraudulent business practice, which is a concern in itself, as you are gaining from this fraudulent ACTIVITY, THAT IS WRONG AND MISREPRESENTATION NOT UNFORTUNATE. I don't know owe this debt, you have the contracts so why don't you share the payment history from day one
05/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 21136	Web
The creditor admits to contacting me eight times even after opting out of communications. They have been sending letters more than once. They spoke of a contract that was not provided from original creditor showing my signature. I did not acknowledge any ownership of such account or any knowledge.The FDCPA at 15 U.S.C. 1692d prohibits a debt collector from engaging in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. 15 U.S.C. My information was also breached in XXXX by XXXX. My personal information was leaked to the dark web including my social security number several times. I have disputed several times with original creditor. The address listed is also not the address I resided at the time. The data breach and opening of the account match with year of opening of account. I have provided proof below.
03/16/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 77065	Web	Servicemember
The collection agency Source Receivables has been trying to collect a debt from me that was bought from XXXX as the original lender of the account. Prior to this, I was making payments on this account to another collection agency and without notifying me, the account was sold to Source Receivables. I have requested verification of the debt that would include an original contract with my signature stating that I am responsible for this account. I have not received this information from either the original lender or from either Collection Agency, yet this account is still listed on my credit report under a collection/charge off. I do not have a contract between myself and a third party with the agreement that I owe them money. The supposed original agreement is between myself and XXXX but no original paperwork has been sent to me with my signature for a valid debt validation.
06/06/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33916	Web	Servicemember
I had an account with XXXX for a phone bill. I entered into a payment agreement with them and paid by automatic payment. In XX/XX/2022 they contacted me and told me if I paid then {$120.00} in XXXX and XXXX that the debt would be resolved. I paid them the money thinking that in XXXX the account would be paid off. In XXXX I got a phone call from Source Receivables Mgt. saying that I owed over {$300.00} for this same bill, that XXXX refused to settle and I needed to pay them. I have never received any written communication from Source Receivables Mgt, But on XX/XX/2022 I paid them {$50.00} and asked for something in writing. The lady told me all she could give me was a confirmation number, so I took that. So last week I went to send them another {$50.00} and that's when I found that they reported the account to the credit bureau, even though I was paying on this account.
03/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD XXXXX	Web
I real complaint is with XXXX! They are relentless. This is the XXXX collection agency they've sent me to even after it have been established that this debt is not owed and have been closed for more than 2 years now. I received a letter from Source RM on XX/XX/2020. I immediately calls them and informed them that this is bogus and that they are the third company that XXXX has used to try to extort money from me. The customer service representative informed me that she would take care of it. I never heard from the company again via phone or mail. Instead they FALSELY reported this wrong and harmful information to the credit bureaus causing my credit score to drop severely. This negative reporting continually and unexpectedly is causing irreparable damage to major financial moves I'm trying to make and I need this to stop once and for all! I DO NOT OWE THIS DEBT!!!
10/01/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	VA 23321	Web	Servicemember
I am in the process of trying to purchase a home. I was unaware of a fraudulent debt on my account, until I was declined by the bank for a home loan. I have never received any notification of a debt, notification of right to dispute within 30 days, or any verification of these alleged debts from Source Receivables Management which is a violation of FDCPA. Source Receivables Management has destroyed my credit, without notifying me of the same, for accounts that I do not owe. I do not owe Source Receivables Management, nor any party that Source Receivables Management claims to represent. This is the last thing a consumer should have to be facing, especially in unprecedented times, such as these. I demand that Source Receivables Management remove this fraudulent debt from my credit report or I will sue, and seek the maximum compensation available under the law.
08/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60516	Web
Source receivable management is calling me every 30 minutes and harassing me every day after I already sent them all the proof transactions from sprint mobile company. I open an account with sprint mobile back in XX/XX/2020 it was 90days promotional lease contract after 90days then it goes to 18mos and an option to buy the phone or device. I closed my account in XX/XX/2020 and return the devices and paid off my last bill in XX/XX/2020. I sent all of the transactions emails from XXXX company to source receivable management and couple of days later my email come back saying blocked. Not only that they have received my emails and did not like it and so they block my email address. And they put it twice now in my credit report these type of behavior should not be allowed to practice in any ways. All I want is to be removed from my credit report and thank you.
09/02/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 95630	Web
Received a call from a local telephone number XXXX XXXX XXXX XXXX. After I answered a woman named XXXX spoke very fast listing my address and asked for me by name twice. I asked where she was calling from and she said Source RM I asked what that was and she replied it was a debt collector. I asked what her location was, she kept responding by asking " how do I want to pay my debt today? '' she finally replied by saying she was located in XXXX. I asked if she was calling from a recorded line ( as I live in XXXX ) and she repeatedly asked " Why do I not want to pay my debt? '' I asked again about the call being recorded and she sighed and said " calls are monitored for quality assurance purposes. '' I then said thank you and ended the call. The whole time the Source RM representative was very rude, hard to understand and seemed to be intentionally evasive.
07/05/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 761XX	Web
This company is trying to collect on a debt that is more than 10 years old. The original debt was from XXXX, I haven't had an account with them in years. The companies name is Source Receivables Management XXXX XXXX XXXX XXXX North Carolina XXXX XXXX. They put this account on my credit stating an open account XX/XX/2018 with a balance of {$580.00}. I got this information from off my credit report. I need to know the original charge off date and amount from XXXX and account number. I believe they no longer have this information because its too old. I believe this is a company that tries to collect on old debt than 7 years old which is illegal. I called the phone number listed for this company its not a good number. I found another number for them tired to call they were closed XXXX. I want this removed from my credit report and these people fined.
04/19/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 92677	Web
They have harassed me for MONTHS. They threaten me and tell me I can go to jail. I have told them they have the wrong person. I wrote them a letter stating I am not this person and to stop harassing me. They continue. I block their phone numbers and they call on a differ ent one. I jus t contacted them. I spoke with " XXXX '' who refused to tell me her last name, or her title, or her supervisor and said that " I better pay ''. This is beyond absurd. In this letter it states that the original creditar is " XXXX ''. I have NEVER had an account with XXXX . Never. They also have the name as " XXXX XXXX '' My birth name is XXXX XXXX XXXX and it has never changed in my XXXX years. No matter what I do, they continue to harass me. The name of the Collection Agency according to the one piece of mail that was sent to me is SOURCE RM
04/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33161	Web
Back in XXXX or XXXX of 2022 I reached out to all 3 credit bureaus plus the creditors WHICH are XXXX XXXX XXXX, SOURCE RECEIVEABLE MANAGEMENT, AND XXXX XXXX XXXX. I Sent a debt of validation letter from all 3 companies plus from XXXX, XXXX, and XXXX and all 6 companies failed to send me a letter with my wet signature or anything of that matter to prove that these accounts were mine. They failed to do so. Per 15 usc 1681b " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) 1 of this title '' So because you all failed to follow the procedure and legal steps these accounts legally have to be removed.
12/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 760XX	Web
Account was closed and phones returned to XXXX on XX/XX/2017. Within two months of closing account, XXXX claimed phones were never returned and account was not closed. The issue was briefly resolved, then within 6 months statements began showing up again. Then the account showed up on my credit report under collections. The collections would get disputed, removed, then show up again on my credit report under a different company. XXXX refuses to assist, stating the store the phones were returned to did not process the phone return and account closure correctly. To make matters more difficult, the store the phones were returned to is no longer open. The representatives at XXXX can not even locate the store in their database anymore. Now the account is showing up multiple times on my credit report with no help in sight in getting it resolved.
12/17/2017	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	NC 28052	Web
Company has failed to maintaining a system reasonably capable of receiving from CRAs information regarding disputes, including supporting documentation. Company has failed to conduct an investigation of the disputed information including reviewing : a. all relevant information forwarded by the CRA and ; b. the furnishers own information with respect to the dispute. Company has failed to report the results of the investigation to the CRA that sent the dispute. Company has failed to provide corrected information to every nationwide CRA that received the information if the information is inaccurate or incomplete. Company has failed to modify or deleting the disputed information, or permanently blocking the reporting of the information if the information is incomplete or inaccurate, or can not be verified. Total owed was XXXX due to XXXX.
12/01/2020	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Money was taken from your account on the wrong day or for the wrong amount	IN 466XX	Web	Older American, Servicemember
The Debt Collector Source Receivables Management acting on behalf of XXXX called me in XXXX to collect {$1400.00} which I assumed included an inflated amount by the agency.I said I didnt have that much so they offered to settle for {$800.00} and wanted my bank account info and like an XXXX I gave them the info and at the proper time {$800.00} was withdrawn which I thought settled the matter.Today XX/XX/XXXX they sent me a letter that they had charged my account an additional {$1000.00} causing an overdraft fee 's by my bank. I am working with my bank but their hands are tied until the draft is processed.I only hads {$800.00} in the account prior. I intend to sue this collection agency for causing me pain and suffering.Had they been ethical this issue would have been over. The collection agency is Source Receivables Management of XXXX, NC.
04/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11372	Web
This debt collection company called me to collect a debt that is from the year 2019 and has been removed several times from my credit report because it comes from an already verified identity theft. They say that this debt is from the company XXXX XXXX XXXX of the Year 2019 and that it has passed through several collection agencies. This shows that this account is false since none of the collection agencies that have put it in my credit bureau has been able to keep it because it is a fraudulent account. I was not in the United States that year and I recently contacted the original company of that XXXX XXXX XXXX account and they don't even know about this account. Attached to this complaint is my identity theft report. I made a complaint to the XXXX XXXX XXXX XXXX XXXX Department for selling a fraudulent debt to collection companies.
10/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 36605	Web
Source Receivables Management XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XX/XX/2022 Account number XXXX Current creditor : XXXX Original Creditor : XXXX Original Creditor XXXX # XXXX Dispute Balance : {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 Account # XXXX Balance {$790.00} XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX MS XXXX XX/XX/2022 Account # N/A Balance {$1100.00} LAST reported : XX/XX/2022 I sent the credit bureaus letters asking to verify the debt on my report. They have sent it back stating that everything is verified correctly. My credit report is still showing inaccuracies. 15.U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cuss to believe that the information is inaccurate.
06/03/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 347XX	Web	Servicemember
Upon reviewing a copy credit report, I requested Source Receivables Management remove the negative entry on my credit reports for their account in the amount of {$900.00}. They did not return correspondence showing my signature entering into an account with Source Receivables Manangement. According to XXXX, they do not have an outstanding account in my name or under my social security number. I challenge the accuracy, compliance and report-ability of this listing. Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature with Source Receivable Management ( SRM ). In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from my credit file under a SRM Account and my Social Security number.
10/04/2023	Yes	Debt collection Telecommunications debt	Written notification about debt Didn't receive enough information to verify debt	IL 60639	Web
Source Receivables Management has been trying to collect a T-Mobile debt ( {$2100.00} ) for several years that is not mine. I have asked for verification of debt several times without receiving it. They have put this collection on my report multiple times and removed it twice. The first few times it appeared on my report, I never received a letter. Recently, I received a letter from them on XX/XX/2023 stating that if I write to them by XX/XX/2023 requesting verification of debt/disputing this debt they will send me proof and cease collection practices until this is sent out. I responded to their letter on XX/XX/2023 and have yet to receive anything and they have put the collection on my report which resulted in my score dropping XXXX points. I have been denied credit as a result of this drop in score and lost credit cards.
11/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33143	Web
I logged into XXXX XXXX over a year ago and saw there was a collection placed on my account for XXXX XXXX. I tried disputing this with XXXX and they would not remove it. I then filed a police report and disputed it with XXXX and XXXX. XXXX and XXXX removed the collection but I did not know that XXXX also showed it on their side as well. I filed a police report regarding this ( case XXXX ) with the XXXX XXXX XXXX and XXXX XXXX is the current owner of that case. I attempted to contact both XXXX and Source Receivables ( the collection agency ) to dispute this directly and both were unhelpful. XXXX would not help me as they needed an account number to help me, and I do not have an account number to provide as I have never been a XXXX customer. Source Receivables would not assist me either as they referred me back to XXXX.
02/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48227	Web
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
01/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 480XX	Web
I am rejecting this response because : this account was removed from my credit report and put back on according to 15 Us code 1681i subsections ( 5 ) ( b ) ( I ) If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Also ( 5 ) ( b ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify theconsumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by theconsumer for that purpose, by any other means available to the agency.
07/03/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 21216	Web
XXXX was listed as a creditor on my credit report and XXXX sold the account to XXXX XXXX. I disputed XXXX XXXX and in less than 30 days this account was picked up by Source Receivables Management. XXXX contacted XXXX and XXXX on my behalf and removed the account from my report. I DO NOT believe that XXXX had adequate time to resell this account to Source Receivables who claim that they received this account from XXXX. I am requesting that the new creditor submit to me validation to prove that XXXX has sold the account and they have not received this account through XXXX XXXX or XXXX. I request names and address of all to whom they contacted as well as date and time. I will be following up on this correspondence directly. The certified RR letter with tracking number was sent on XX/XX/2017 XXXX
10/15/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI 48910	Web
In XX/XX/XXXX I had an account with sprint, I had owed a balance of {$720.00}. In XX/XX/XXXX since I had yet to make a payment, XXXX took the balance I owed from my bank account that I made my payments from in the past. The way that my bank account is set up if I dont have the funds available my bank will cover the charge from an account that I have used before. At the time I did not have the funds in my bank account but my bank still covered it, but 2wks later I then paid that amount to my bank. XXXX had sent me a confirmation that my balance was {$0.00} as of XX/XX/XXXX and even unlocked my device. They then try to claim the payment returned 2months later, when my bank statement shows it never did and also my bank called in my behalf to XXXX multiple times stating that payment never returned and was paid in full.
09/07/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MI 488XX	Web
XXXX and sourcerm. Wow. What can I say. We terminated our XXXX contract after fulfilling our two year contract. Im sure that sourcerm isnt the first company that XXXX tried to sell this debt to. There is a {$3000.00} amount sent to collections. This was not supposed to happen according to XXXX, when we switched carriers. XXXX was angry, upset and frustrated that they were losing a valued customer that paid thousands of dollars over YEARS. According to XXXX, we were all set. Done. Paid in full. Phones were not to be returned because of the damage and wear to them. How on earth is a clerical or accounting mistake on XXXX part a problem that I should have to suffer through?!? I have disputed this with all credit bureaus and am at the end of my rope. This goes all the way back to XX/XX/2017 and can not get an answer.
05/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30040	Web
XX/XX/XXXX {$3600.00} Source receivable management XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX REFERENCE NUMBER : XXXX I found collection account on my credit report that I did not owe. So I contacted the company who reported for detail information but they told me they can't provide any information but total amount and it was for XXXX XXXX bill back to XXXX. I called XXXX XXXX to get more information but they give me the collection agency number which is I have it already. I never received any bill or any information for {$3600.00} invoice and I paid off my final bill for XXXX XXXX account which was {$250.00} I never paid late or skip the payment either. I'm searching for buying my first home and because of this issue I can't get a mortgage financing. Please help me out to address this issue. Thank you.
12/01/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60004	Web
I had a XXXX account back in XXXX but I closed the account and switched to XXXX on XX/XX/XXXX. I sent letters and called XXXX ( XXXX ) to let them know I was receiving emails from XX/XX/XXXX to XXXX of XXXX. When I went inside the store in person I was told they couldn't help me because I didn't have the pin even though in showed them my license and gave them my ssn. Now I'm receiving a collection notice XX/XX/XXXX. I reached out to the collection agency and sent letters to dispute but they're only looking at when I first opened the account and ignoring the fact that I closed my account. I tried desperately to get information on this because I know this is fraud and XXXX is trying to cover it up. They should be able to see the card information on file, address used and etc to see if matches my information.
11/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33169	Web
In accordance with the fair credit reporting act XXXX XXXX XXXX ( Account number XXXX, has Violated my rights. 15 U.S.C 1681 Section 602 A states I have the right to privacy. 15 U.S.C 1681 Section 604 Section 2 also states a Consumer Reporting Agency can not furnish an account without written instructions. 15 U.S.C 1681c- ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
04/01/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ XXXXX	Web
Account # XXXX To Whom It May Concern : I dispute your claim and request validation according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). Provide a breakdown of fees, including how you calculated what you claim I owe. Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. Cease any credit bureau reporting until the debt has been validated by me asrequired under the FCRA. Send me proof that you are licensed to collect debt in my state. Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. I will await your reply with the above-requested proof. Upon receiving it, I will correspond back with you. Sincerely, XXXX XXXX
01/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 480XX	Web
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- The Fair Credit Reporting act, Section 609 ( a ) ( 1 ) ( A ) states that I am entitled to the source of this information which is the original contract with my signature on it. If you are unable to verify the account with the original contract the information should be removed from my credit profile and credit report within XXXX days
01/29/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98373	Web	Servicemember
The collection agency is reporting an account on my credit report that I do not believe is mine. I called the collection agency and asked them to validate this account by mail. The company said that they could not validate the account, and that Inwould have to contact the original creditor- XXXX. I contacted XXXX, and they were not able to validate this debt. XXXX told me that they could not remove a collection account off of my report, because they are not reporting an account to my credit report. The agent told me that the company reporting the debt is the only company that can take the debt off of my report. The collection agency already told me they could not validate the debt because they do not have information on the debt, yet they are still reporting the account on my credit report.
06/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Didn't receive services that were advertised	OR XXXXX	Web	Older American, Servicemember
Original creditor was XXXX internet service. Advertised unlimiteddata for my plan. However, on XX/XX/2019 overcharged my account and later stated You do have theunlimiteddata plan however, when costumers use a considerable amount of data we begin to charge by the gigabyte???! My final bill amount was {$710.00}! Initially I refused to pay this bill. The account was turned over to a collection agency named Source Receivables Management to whom I later paid the collection. XXXX later stated we did advertise unlimiteddata however, we can not dishonor the collection agency by stating your account was paid and is in good standing, sorry. They seemed to have no problem dishonoringme though! I argue that my account should be stated paid as agreed by the original creditor on my credit report!
04/22/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 90250	Web
Source RM sent me a debt collection letter in the mail dated XX/XX/2021 for an old debt ( time barred ) from XXXX XXXX XXXX in the amount of {$8200.00} dollars. I dispute the validity of the debt and the collection efforts by the debt collector because I believe that it has been 4 years since the last payment was made to the disputed loan account. The statute of limitations under California law to collect this old debt is already in effect and Source RM should stop all efforts to collect it and to contact me about it. Also, I believe that the debt collector is making a threat to me because the letter states : " a negative credit bureau report reflecting on your credit record may be submitted to a credit reporting agency ''. I believe this kind of action is a violation of FDCPA.
03/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19132	Web
Source Receivables management Is still engaging me concerning a XXXX and now defunct XXXX bill where a XXXX manager did a fraudulent transaction on a XXXX XXXX stealing the phone and not paying XXXX. This transaction was just before the merge this is well documented. Now they ( source receivables management ) are sending letters and demanding payment for XXXX $ I want this issue resolved I will not pay this fraudulent bill the letter states sending in a police report stop with the nonsense they know I dont have a police report but the companies DO HAVE RECORDED CALLS so they need to reference those calls and source receivables management needs to stop harassing me and get those calls and transcripts from XXXX. This on/off my credit report is annoying for literally years now.
01/19/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL XXXXX	Web	Servicemember
I have disputed my issue with the XXXX original debtor that claims I owe this debt of {$1100.00} for a cell phone. XXXX sold the account XXXX XXXX thanks to CFPB the accounts were removed from all three bureaus. Now the account has returned under Source Receivables Mgmt a complete new name. They can not produce any recordings or my picture ID or signature they just keep re-selling the account from collection agency to collection agency. For the same debt there is a thousand XXXX XXXX 's I have sent my ID and SS # form day one. Again here we are in 2020 same account no proof of burden and brand new collection agency. If they have so much proof that the account belong to me. Why? was the account removed from all three bureaus and re-sold again someone please help me with this?
06/16/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30047	Web	Servicemember
Source Receivables XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX contacted me by phone 2 months ago saying that I owed them {$790.00} dollars for a XXXX phone bill that was 7 years old. I typed up a letter and sent it to them via certified mail requesting proof that I owed them and that they are licensed to operate in the state of Georgia. I also requested they send me the original contract with my signature. I mailed a certified letter at the above address over 45 days ago. I have not heard from them again, however they reported to the credit companies and now after repairing my credit from another company attempting to collect on this very same debt now they have ruined my credit which cause my credit score to drop significantly. I also disputed with the credit agencies.
01/21/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78249	Web	Servicemember
This is my 3rd complaint against this company on same issue, the account is part of Identify Theft. Previous complaint XXXX was closed when CFPB received company response on XX/XX/2018 where company indicated that " I have attached notes from XXXX system as to how XXXX concluded this account does in fact belong to XXXX XXXX '' but there is not any note attached from XXXX 's system. Please review the company 's response to complaint XXXX on XX/XX/2018 and see how this company has been misleading all of us. I request Source Receivable to provide a complete details on this account when it was open, including a copy of the identification provided when account was open, how and where this account was opened, how they have come up with the amount they have claimed.
04/27/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 850XX	Web
I was a victim of identify theft. I had been notified of an account opened in my name. I called XXXX but was unable to close the account as I did not have the account number. Several months later I received a letter from a collection agency on the behalf of XXXX for {$960.00}. I sent in all the information including the police report. This was in XX/XX/2020. In XXXX of this year I received another letter from another collection agency on behalf of XXXX in the amount of {$5900.00}. I again sent in all requested information. Since that time the collection agency has reported this delinquent amount to the credit bureau. I have again sent letter and copies of all correspondence to both XXXX and the collection agency and have heard nothing from either company.
10/03/2023	Yes	Debt collection Telecommunications debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77066	Web
I requested information from this company to be sent to me and they have failed to do so. They have sent false information the the credit bureaus that damaged my credit. They have fabricated addresses and added them to my credit report which are not mine and the credit bureau refuses to remove them. This company has lied and stated on my credit report that this account is open as of XXXXXXXX and has a balance of {$960.00}. Per the laws of the FCRA, this is illegal. I called XXXX and their company has been sold and they are not in business anymore. therefore, I do not owe the company SOURCE RECEIVABLES MANAGEMENT and have asked them to validate this debt in writing to me. They have failed to do so. I HAVE ASKED THEM TO PROVE TO ME THAT I OWE THE A DEBT!
07/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75032	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ... SOURCE RECVB ( Original Creditor : XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
05/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23231	Web
After receiving a collection letter from the company, Source Receivables Management, I sent a letter of validation of debt on XX/XX/XXXX because I didnt recognize the company name or the alleged debt they claimed I owed to them. After about a month later the company replied with a sum of charges that did not in fact show any connection between me or the debt they claimed I owed. In the letter I sent to them, I asked for a copy bearing my signature that showed I had any contractual or ever had any contractual agreement to pay them. They have failed to validate this debt and show any connection between me and their company. I believe they are committing fraud on my name and they are currently reporting a debt on my credit that they have not validated.
02/27/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30039	Web
There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to the invasion of individual privacy and rights. This Consumer Complaint is against Source Receivables Management , LLC for it's violations of the Fair Debt Collection Practices Act ( FDCPA ) against ( me ) XXXX XXXX XXXX. I XXXX XXXX XXXX was never afforded the opportunity to dispute this alleged debt, in violation of 15 U.S.C. 1692g ( b ) which is provided to me by law. See. 15 U.S.C. 1692g. No Notice of Debt was ever received by ( me ) XXXX XXXX XXXX in violation of 15 U.S.C. 1692g ( a )
11/15/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	PA 15146	Web
Credit Report XXXX is wrong never been charged for this debt from XXXX XXXX XXXX XXXX which is {$220.00} unpaid. Collection Agency Source Receivable Management has no jurisdiction to charge this debt in the state of Pennsylvania. This debt will need to be removed from the credit report. Collection Agency SOURCE RECEIVABLES MANAGEMENT, Balance Date XX/XX/2023 Original XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX Date Assigned XXXX XXXXXXXX XXXX Account Number XXXX XXXX Original Amount Owed {$220.00} Creditor Classification Cable or Cellular Amount {$220.00} Last Payment Date Status Date XX/XX/2023 Date of First Delinquency Status UNPAID Comments Contact SOURCE RECEIVABLES MANAGEMENT, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX
02/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78501	Web	Older American
The previous debt collector company did not respond to me my request for the original agreement, last payment date, and notes of the last communication to XXXX staff of my departure before they release the phone code to the new company. I also disputed the amount through XXXX XXXX when it appeared on the XXXX side. After a few months, they removed it. Now there is a second debt collector, Source Receivable Management ( Ref # XXXX ). I have responded to them through the mail that this is also a fraudulent amount from XXXX because XXXX business practice is to pay the balance in full before they can release the phone number in question. Im requesting your help with this. How many times do I have to go through this process when I dont owe this debt?
12/16/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX XXXXX	Web
SOURCE RECEIVABLES MANAGEMENTcontinues to call me after they have failed to validate the Debt. Harrased me the first. Rude and disrespectful, ask for personal information to verify debt. In violation of privacy act XX/XX/XXXX. I will report to FTC commission. I have not given them permission to call my phone or hold my information that 's identity theft. Absolutely no contract with them they need to cease and desist. Never call me again. I have given them a few schelude and will file at small class for XXXX per call. I have over 20 calls from them. These debt collectors have have been put at notice, I have recorded calls any call after XX/XX/XXXX will be charged as fallows XXXX per call and XXXX per min. I have more than 3 calls after that date.
04/07/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OR XXXXX	Web
This company, XXXX XXXX XXXX, XXXX, ID Phone Number : XXXX, keeps calling me after being told numerous times that the person they are trying to collect a debt from DOES NOT LIVE AT THIS HOME AND THIS IS NOT HIS PHONE NUMBER. I contacted them and asked for a supervisor after the calls continued. I informed the " supervisor '' that I had asked numerous times for them to stop calling me, and that the person they are trying to reach does not live here. He said he would remove my phone number from the file. I am still getting calls from them, but now they are blocking the caller ID in an attempt to disguise themselves and get someone to answer the phone, I know this because I answered it and it was Source Receivables Management. I WANT THIS STOPPED.
06/26/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IN 461XX	Web
This debt was paid in full, I continue to get daily calls from them. When I explain it was paid in full they say " we will close the account ''. I just spoke with a rep. who was again very rude, when I ask to speak with a supervisor she said " no problem 5 times '' and yes this should be recorded. When I spoke with the supervisor ( Mr. XXXX ) he said that someone was " dropping the ball '' in the office and not closing the account. I said that sounded like an internal problem and ask if I would continue to receive calls and he said " until it's closed. Every person I have spoken with there is very rude, also per the Company the messages were recorded. Dates of calls XX/XX/XXXX,XX/XX/XXXX.XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX.
07/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 760XX	Web
Source Receivables Management is attempting to collect a debt of {$1400.00} that is not owed. The collection attempt was disputed XX/XX/XXXX with complaint ID XXXX and the status is closed. XXXX was the originator of inaccurate reporting and they responded on complaint ID XXXX. It was determined the collections should be removed from my credit report. As of XX/XX/XXXX, Source Receivables Management is attempting to collect again. The attempted debt collection is linked to a phone that XXXX claims was not returned, however, the return receipt from XX/XX/XXXX is attached. The customer service specialist at the front desk did not correctly enter the returned phone on my account after it was traded in. The receipt shows an Amount Due of {$0.00}.
03/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92308	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XX/XX/XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
04/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91737	Web
This original creditor was XXXX, which I reported this account with fraud department and all debt was deleted and was told by sprint that this debt was not owed. the account was some how purchased to diversified ( collection agency ) I provided diversified with all information that XXXX provided me that the account was fraud and was deleted from my credit report, since diversified was unable to collect on a fraud account they sold this debt to SRM ( Source RM ). I have provided SRM with all information and they have yet to stop sending debt letters and have this fraudulent debt removed from my credit report, I have sent letters to cease all phones calls and ask that this account be removed from my credit report. I am now making a complaint.
04/04/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75082	Web
I added XXXX Corporation to my XXXX XXXX XXXX starting XX/XX/XXXX GC SERVICES. I've made consistent payments since this date until XX/XX/XXXX because I've been financially impacted by COVID. I called the debt collection, which XXXX has sold off to different agencies in the past few years. I offered to settle at 20 % in XX/XX/XXXX with my unemployment money coming in the next week or two. They advised they would not settle at this amount. I have not received updated letters about the debt collections since then. Instead, the collector has reported multiple times in a single month to my credit report with all 3 bureaus. This account is not new and they are reporting it is as of XX/XX/XXXX. I've been paying this debt since XX/XX/XXXX.
08/03/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	IL 60636	Web	Servicemember
Representative named XXXX called my cell phone without authorization failed properly identify right party and herself or company. The representative XXXX called my cell phone number without authorization on a predictive dialer and I incurred charges as a result. This is a violation of the FDCPA. In addition the rep failed to properly identify her self or the company or the right party. When I asked for her to provide the company name and her name she became very rude and unprofessional and terminated the call in the middle of the conversation. When I called back I asked to speak to supervisor whom was also reluctant to provide company name and his name, then he concluded by removing my phone number and ensured there would be no more calls.
03/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92883	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
06/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34119	Web
About three years ago I was going to switch to open a XXXX XXXX account for my business. This was all done over the phone with XXXX XXXX. We agreed on a package and they were going to send me phones so I can activate the account. Before that I received an email to make a payment to activate the account and it wasnt what we spoke about so I cancelled it never activated the phone and sent it all back. Now three years later this came up on my XXXX credit report. I am being billed for {$840.00} from XXXX XXXX A collections is on my credit report. I disputed it twice and I am being told it is accurate. I also called the collection agency and they were not helpful at all. Just said to dispute it on my credit report. Please assist on this
03/28/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31909	Web	Servicemember
From : Source XXXX XXXX Phone XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX I received a written notification on XX/XX/XXXX ( dated XX/XX/XXXX ) about an unpaid balance of {$93.00} related to the preparation of my XXXX tax return prepared and e-filed at H & R Block in XXXX. I contacted Source Receivables Management debt representatives at XXXX. The representative was unprofessional and disrespectful. As I attempted to explain that I was a victim of identity theft, he continually interrupted, called me a liar, and raised his voice. I tried to explain to the Source Receivable Employee, a criminal named ( let me know if you want his name ) committed tax fraud with my identity. This has been verified by the Department of Treasury.
02/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30087	Web	Servicemember
XXXX placed an account in collections and used multiple Collection agencies in the attempt to collect via email/mail/phone/ credit file reporting all through XXXX, all without verifying the debt, I have disputed it multiple time always asking for the Original signed document as is my right, they were never produced nor was i asked to view them,, XX/XX/XXXX they still did not comply with originals instead sent copies with copy/pasted signature/altered documents and uttered a complete forgery all in order to validate a non existent obligation and extort monies not owed and the CRA 's are guilty of no adhering to FCRA by verifying the debt and only reporting 100 % accurate information * I HAVE NEVER AGREED OR ACKNOWLEDGED THIS DEBT
01/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	WA 98373	Web	Servicemember
Source receivables management is reporting an account on my credit reports thats i do not believe belongs to me. They are refusing to send validation of this debt. By law, they are required to send validation within 30 days of my request, and they are ignoring my request. They were asked in our initial phone call and it was stated that I requested validation in my previous complaint. Source receivables told me they were unable to provide me with validation of this debt- therefore they can not report this account on my credit reports. It is against my consumer rights to refuse to validate this debt, and it is also against my consumer rights to report a debt on anyones credit report without proof that this debt belongs to them.
05/04/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30349	Web
On XXXX XXXX, XXXX I had an erroneous collection account deleted from all of my credit reports. On XXXX XXXX, XXXX I see the same debt but it is being reported by the different company, so on the same I submitted a dispute through all XXXX credit bureaus and only on of them removed the debt because they could not verify the debt belonged to me. XXXX and XXXX are allowing Sources Receivable Management to erroneously report this debt as verified on my credit reports. All they did was acquire this debt from another company and are re-reporting false information. I sent a validation of debt letter and all I got in return was a letter telling me my name was on the account. This issue from this company is causing me a lot of XXXX.
09/13/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AZ 85233	Web
I was a victim of identity theft in XX/XX/XXXX, I reported it to all credit bureaus and was able to have several fraudulent accounts removed, except for one. this account started under XXXX, which I have never done any business with either personal or professional. The account was then sent to collections in XX/XX/XXXX. I contacted the collection company and verified that the email address, telephone number and mailing address on the account are not mine, neither are they any that I have associated with. I filed for a dispute with the credit agency, but all updates were sent to the wrong email address and/or mailing address, so I had no way of confirming the disputed information. The collection is for a total of {$5300.00}.
09/22/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MO 63118	Web
SOURCE RECEIVABLES MANAGEMENT has violatedmy consumer rights pursuant to the Fair debt collection practices act, fair credit reporting act and more. They are stating I owe an alleged debt, understand I do not owe any allege debts. My identity has been stolen by SOURCE RECEIVABLES MANAGEMENT, this is identity theft because they have my private person information without consent. I do not have any contract with SOURCE RECEIVABLES MANAGEMENT and they are attempting to coerce me the consumer, defined in 15 usc 1692a ( 3 ), to pay an alleged debt not owed. I have sent SOURCE RECEIVABLES MANAGEMENT a cease and desist, identity theft report, and enforcement action with affidavits all certified mail/return receipt XX/XX/2021
05/24/2023	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	CT 06112	Web
XX/XX/2023 Called Source Receivables Management with whom my sprint debt was sold to to obtain account number so as to make payments via the website. XXXX XXXX the agent who picked my call refused to give me the account number she just kept saying how are you paying today, I said to her well i'm not paying anything today but I would like to have my account number she kept talking over me about paying, then she offered me a discount and asked for payment and I kept telling her this is not what I called for today may I just please have the account number at this point she is still asking for payment, she was extremely rude, she does not listen and this is not the best way to go about getting payment. I was speechless.
02/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28273	Web
Source Receivables management has been reporting an account that does not belong to me. I have asked several times for valid documentation that this account belongs to me. I have only had phone service through my business with XXXX XXXX XXXX and now currently XXXX. This account was not opened by me and does not belong to me. The documentation the debt collector is using to collect on the debt is only a statement and an equipment agreement with my name or someone with a similar name typed onto it. There is no hard copy ID, copy of social or even a signature that shows this account was legally opened by the person to whom identity was used. I have filed a fraud report on this information attached. FTC report # XXXX
02/11/2021	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	AZ 85248	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
08/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OH 43068	Web
I received a local call today from Source Receivables Management ( Source RM ). The caller brought up information regarding a debt from XXXX XXXX XXXX. I had no knowledge of this debt and the caller requested that I make a payment today. There has been no verification of this debt nor have I received any documentation from the company by mail. After conducting personal research I realized that this company is trying to re-age a debt that has ran the statute of limitations. This debt has been removed from my credit report as of XXXX/XXXX/2014. I am filing this complaint due to unscrupulous business practices and lack of ethics. No action can be taken on this debt and I need the phone calls to cease immediately.
04/26/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75056	Web
The open dates for are not accurate and the account numbers are invalid. XXXX, never represents or corresponds to appropriate account informations. Its been more than 3 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
07/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60419	Web
I received notification from XXXX, XXXX and XXXX that I had incurred a debt from Source Receivables management for a debt recently owned by XXXX XXXX. The debt amount is for {$290.00} and opened on XX/XX/2022. I have submitted paperwork on several occasions explaining to this collection agency that the debt is not mines and I have no knowledge of the account. They company has supposedly verified that the debt is accurate and has produced no proof of the debt belonging to me. According to the FCRA if you dont produce accurate proof of the debt being mines, it must be removed. They have not given proof of signature or any documents harboring my signature to support their claim of verifying its accuracy.
03/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19142	Web
I request Source Receivable Management send me an audit trail accounting to Generally Accepted Accounting Principles ( GAAP ). I, the consumer have no contract with Source Receivable Management nor have i done business with them. i, the consumer only participates in a consumer credit transactions i the consumer doesn't own a debt, its alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment I'm the original creditor, lender, executor administrator and holder in due course.
08/28/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	FL 32303	Web
On XX/XX/XXXX, I requested validation of an alleged debt from Source Receivable Management. I only received a statement balance of {$130.00}, which i did not have enough information or a signed contract stating I have taking out a debt with Source Receivables Management. I do NOT recall this debt and I have requested additional information on XX/XX/XXXX which they have refused to provide to me. This debt has negatively impacted my credit and caused me a great deal of stress. In addition, I noticed this is the same debt and amount a different debt collection agency stated I owed to them last year on XX/XX/XXXX. I disputed the debt and the collection was later removed from my credit profile.
07/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	KY 402XX	Web
I have a fraudulent account opened through XXXX. I have filled out the Fraud Paperwork several times and had the debt removed finally that was being pursued by " XXXX XXXX ''. The debt was removed and I check my Report this morning and now " Source Recievable Collections '' is placing this account on my report and attempting to collect. This is affecting my attempt to clean my credit and purchase a home!!! The XXXX Fraud department is denying the receiving of my fraud packet and continue to bounce this fraudulent debt from debt collector to debt collector. The account is not mine and the addresses associated with the account set up by XXXX are n't even remotely a address I have lived at.
02/16/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MI 480XX	Web
The account XXXX XXXX with the account number XXXX is said to be a collection account that was sold to Source Receivables Management with the same account number showing on my report. This collection account were both reporting on my report which leads to multiple appearances and a grave impact on my Credit scores and credentials. This particular collection account should not be shown as XXXX different collections since they're definitely the same. Moreover, I have made my payment to the original creditor. This should have been removed if a proper investigation was conducted. If you still insist that I am still liable, make sure to provide me definite and legal proof for me to confirm.
03/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60619	Web
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. XXXX XXXX XXXX XXXX XXXX and Source RM Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your Investigation and corrections. Your cooperation and prompt attention are greatly appreciated.
07/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11763	Web
Yesterday I log in to my XXXX to check my credit report, I saw XXXX sent me to collection for {$980.00} which I still have XXXX as my phone career and still paying my monthly bills so I called XXXX last night and spoke to a representative she told me they dont have me on their system that I owed them then I ask them to escalate the call to a supervisor and then they told me the supervisor will call me back then the supervisor call me back reassure me that they did not send me to collection agency and she told me she will get to the bottom of it to contact the credit bureau to make sure to delete the collection off my name. The name of the collection agency is Source receivable mng.
04/17/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94609	Web
XXXX mobile phone provider is keep hiring collection agency to claim {$1100.00} for service i did not agreed. I was with XXXX for less than a month with out contract. I was on month to month service, and they gave me free phones for 5 lines family plan. After i learned that they were trying to charge me unfairly, i canceled the service and moved back to my previous provider. Later they hired collection agency which i disputed and was deleted out of credit history. Then they hired another collection agency which i kept disputing it. At this time XXXX refused to allow me to dispute it, by simply taking the collection agency side. The contract they using has altered signature.
03/11/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30062	Web
I 'chatted ' with someone from XXXX because i could not get them to answer the phone.. they gave me an email address to send my cancellartion to ( which I have in writing from XXXX XXXX ) they continue to call me, email and harrass me and now have sent to collecrtions.. I should sue them this is harrasssement, they refused to accept my letter of cancel nor communmicate with me..I operated 100 % on fair grounds and was paid in full when i in fact cancelled.. My provider got purchased by XXXX and i had alway had bad experience with them as co. that is why i switched to XXXX years ago. Please fix this .. i will hire a lawyer as this is causing me strress and humiliation.
08/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19138	Web
On XX/XX/2021 Source Receivables Management sent a letter to my address in an attempt to collect a debt which I do not owe. I was told by SRM that if i did not pay the debt my credit would be negatively affected and I would not be able to receive services with this business again. They also called me several times in an attempt to collect this debt. According to 15 USC 1692D I have been harassed and my right to privacy as a consumer has been violated. I sent over a payment on XX/XX/2021 in the amount of {$450.00} which I demanded an immediately refund as well as {$2000.00} for two violations. They never responded to my certified letter nor did they issue any payments.
06/05/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	LA 70058	Web
Source receivables management has continued to violate a federal stay in my XXXX XXXX bankruptcy proceedings. I filed on XX/XX/XXXX a week later I received a debt validation letter from SRM I contacted them and alerted them to the proceedings. They asked for my attorney information and number and I gave that to them. Since then on XX/XX/XXXX, XXXX, and XXXX I was contacted by SRM from a unknown local number. On XXXX when I answered the phone I asked the representative why was she calling me after I have given them the info regarding the XXXX XXXX I advised her to contact my lawyer or the trustee. She confirmed on her end she received that info and quickly hung up.
12/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 900XX	Web	Older American, Servicemember
Ive contacted these debt collectors before, told them I went to XXXX where I had my service, asked them why I was receiving this bill? They looked up my account, said my bill is completely paid. They said we are not sending these notices. They said have them call sprint and verify the account is paid in full. I went to the XXXX office in person when I made my last payment. A year or more later, I began receiving these notices. I do not owe anything on this account. If necessary, well go to court. Im sorry but I wont pay what I dont owe. XXXX says do not give you any personal info, because this is a scam. I went there three times, each time they stated I do not owe.
05/14/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 460XX	Web
I have disputed this debt with three different collection agencies as the debt is not mine. I have completed a fraud packet with XXXX as well. I sent that information in to the previous agency. XXXX XXXX XXXX. This debt has reappeared on my credit report again. I again disputed and asked for the validation of this debt several months ago. I have still not received any validation. This is fraudulent and violates my rights under the FDCPA and FCRA. I am asking that this be rectified and removed the erroneous debt from my credit report. I will also be filing a XXXX complaint as well since this company did not do what they were required to do with the previous dispute.
03/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19132	Web
Source receivable management along with XXXX XXXX trying to get a debt paid from stolen merchandise I dont have a police report for the XXXX XXXX phone because it was an inside job with a dishonest XXXX worker Source receivable management should speak with the company who sold them the debt and provide me with Proof that I did or didnt receive the rebate for the phone to pay XXXX XXXX which I did not. Source receivable also has a non working email address for XXXX XXXX fraud dispute so the letter that was sent was made by source receivable management in an attempt to bully me into paying the debt and NOT doing its due diligence in finding out if the debt is mine.
04/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95206	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in Direct Violation ol The Fair Credit Reporting Act SOURCE RECEIVABLES M, has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : 11 also states a consumer reporting agency can not furnish an account without my writter instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit eard account und open-and consumer credit plan as late for any purpose. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
07/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	WI 53590	Web
I complained to XXXX when I closed my account with them that I was disappointed with their service. I was told that I would not owe any early termination fees as I was outside my early termination period. I have since then received a phone call and XXXX letters, all from different debt collection agencies, requesting I pay an early termination fee or they 'd report it on my credit report. I instructed all XXXX debt collectors that it is not a debt that I owe because I was told there would be no early termination fees because I was outside my contract term. XXXX of the debt collection agencies did place it on my credit report which I had to fight to get removed.
01/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MI 484XX	Web
My wife passed away in XX/XX/2018 and I closed her acct. with XXXX and switched carriers but they kept billing me. My wife 's number was stolen and billing under known was happening. I contacted them constantly and they ignored me. My wife also had her unemployment benefits wrongfully stolen, and I reported that, and it was taken care of. Also, as of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I am on XXXX and have a limited budget. This debt should be dismissed on both counts. It is ridiculous. I have also sent them proof of my XXXX and issue and they have ignored me. Why am I being charged for this? It is bullying.
11/10/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	GA 30064	Web
I checked my credit report with XXXX and XXXX, and found that Source Receivables Management is reporting an unknown account transaction. I've never done any business nor had any accounts with the company. I also never gave any written nor implied consent for the company to obtain, store, share, sell or utilize my identifying information. Using my identifying information without my consent is considered identity theft under Federal Law. I am now taking the proper steps to protect my information starting with this notice and complaint. I am demanding that the account transaction and associated information be removed from my name and credit reports promptly.
03/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19132	Web
XXXX receivable management along with XXXX is trying to get a debt paid from stolen merchandise I dont have a police report for the XXXX XXXX phone because it was an inside job with a dishonest XXXX worker XXXX receivable management should speak with the company who sold them the debt and provide me with Proof that I did or didnt receive the rebate for the phone to pay XXXX XXXX which I did not. XXXX receivable also has a non working email address for XXXX XXXX fraud dispute so the letter that was sent was made by XXXX receivable management in an attempt to bully me into paying the debt and NOT doing its due diligence in finding out if the debt is mine.
04/26/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 312XX	Web
I recently submitted a complaint in which the company has responded too by providing verification of the debt when I specifically asked for validation. I am giving this debt collection company one more chance to make this right. I receive multiple phone calls from this third party company multiple times throughout the day which is a violation of 15 U.S. Code 1692d. I asked this company to validate the debt multiple times via phone. As a third party company they are not able to produce any contractual legal obligation and/or evidence proving that I owe that company anything. They also offered a discounted amount which is a violation of 15 U.S code 1692d ( 4 )
07/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CO 80911	Web
Source Receivables Management sent a debt collection letter for a debt that I've already settled. They told me that I could dispute it, and that it would be put into review. I have not received any further written information from them, even after I told them that the debt was settled in full and I have a settled-in-full-letter. They didn't provide an address to give the letter to, they just sent a negative report to credit agencies. Then they called me and attempted to collect again on the debt. When I first discussed this with them, they blamed XXXX XXXX XXXX for not reporting the debt settled, and XXXX XXXX XXXX blamed Source Receivables Management.
02/16/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WI 53545	Web
This account has been settled and paid in full. This debt was paid in full on XX/XX/2018. This account was opened and closed within 15 business days due to the service not working. I have attached a conversation with the store managers regarding this account. I have reached out to this company once they received the account that it has been paid in full and supplied all the information the company has failed to remove this debit which is causing a negative impact on my credit. I would NEVER go to XXXX for service they will rip you off and lie to you. They add additional fees into your contract and change prices every month on your bill. XXXX IS A SCAM!
06/09/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 10455	Web
I XXXX XXXX is writing this letter to dispute a charge on my credit report. On XX/XX/2019 I allowed Source Receivables Management to charge XXXX from my XXXX XXXX XXXX account. Making this payment my XXXX account was supposed to be settled. Closed out. Source Receivables Management sent me a letter of confirmation. Two months later I noticed they placed this account back on as open. I phoned Source Receivables Management and they stated they never received the money. That I called my bank and told them not to pay the XXXX. This is not true. Source Receivables Management was paid and I requested a letter of proof from my bank. This letter is enclosed.
06/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60137	Web
Cease and Desist XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Pursuant to 15 USC 1692 ( c ) I am notifying you that I refuse to pay this alleged debt. I am requesting that you cease all forms of communication with me through any & all mediums unless it is related to remedy for the consumer. Pursuant to 15 USC 1692 ( c ) ( 2 ) I am invoking my specified remedy for consumer, I am requesting all of the following : 1. Zero out the balance on this account. 2. Close Account 3. Request Bureaus Remove Account from Reports 4. Cease All Attempts To Collect Debt 5. Cease all communication
11/07/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IN 46205	Web
In XXXX of XXXX I open up a cell phone account over the phone with XXXX which I got 4 phones from when I opened this account I was told once my contract is over I will own the phones free and clear. Thats not what happened after paying my bill on time every month until the contract was over I was under the impression the phones was mines it wasnt until around XX/XX/XXXX when I realized they was saying I owed them for the phones that I paid for over 2 years on time in full. I called XXXX so they can pull up the recording of what I was told that day they said they couldnt unless they the phone Is number which I dont have the phones anymore.
05/28/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MI 481XX	Web
Source RM Receivables repeatedly calls me for what they claim to be a {$300.00} from a XXXX Hospital in XXXX XXXX. I dispute this bill as not mine or owed as I was insured at the time. In addition, they continually refused to provide me with their company name/ contact information/ and repeatedly refused to provide me with a supervisor to speak to ; just put me on hold and had the same representative I spoke to 'pretend ' to be a supervisor, when I repeatedly stated I do not owe this debt they stated they would put my account as 'refuse to pay ' as opposed to actually verifying any information with me regarding it being a legitimate debt.
04/28/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95050	Web
Source receivable receivables recovery XXXX XXXX XXXX, from address XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX is aggressively attempting to collect $ 1220+ for the XXXX for collection AND REPORTED A COLLECTION ON CREDIT REPORT TO CREDIT BUREAUS FOR THE ACCOUNT THAT DOES NOT BELONG TO ME .... Numerous attempts to contact them via phone or mail only resulted in aggressive demands for personal information and demand for banking information and nothing from them validating this account nothing to prove that it belongs to my name to my social. Source Receivable keeps calling me XXXX XXXX but my name is XXXX XXXX NOT XXXX .... this is NOT ok ...
12/07/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19148	Web
This is a fraudulent account. Ive never had XXXX service nor a XXXX phone. My identity was stolen and multiple fraudulent accounts where opened under my name without my authorization and or knowledge. This account is one of them. Ive disputed the validity of this account with SOURCE RECEIVABLES MANAGEMENT several times to no avail. SOURCE RECEIVABLES MANAGEMENT refuses to provide me with the documentation Ive demanded them to provide me with, SOURCE RECEIVABLES MANAGEMENT, refuse to remove this account out of my name and off my credit report. Ive included in the desired outcome section the letter mailed to SOURCE RECEIVABLES MANAGEMENT.
07/06/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77035	Web
In XX/XX/XXXX after receiving a copy of my credit report from XXXX I filed a dispute for a bill in the amount of {$1200.00} with XXXX XXXX account # XXXX. On XX/XX/XXXX I received a letter from XXXX stating that they had contacted the credit bureaus and requested that the account be closed and deleted from my profile. I receive a current credit report on XX/XX/XXXX and it now shows this account is with a different agency by the name of Source Receivables Management for the same amount of {$1200.00}. None of the Credit Bureaus notified me within the 5 days required by law that this item would be re inserted back on my credit profile.
06/28/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	VT 057XX	Web
Company has called 14 times in 3 weeks. Everytime they call, they do NOT identify themselves as a debt collection company and only ask for random names. The names change every time. I have asked to be removed from their call list as they are calling a BUSINESS line that hs been mine for 7 years - they refuse. I spoke to a rude man named " XXXX '' and then " XXXX '' and " XXXX '' all who are incredibly unhelpful. They also use tactics that do not disclose they are a debt collector - they say they are a resources and receivable company. I explained that I am filing an CFPB complaint and they told me " Try me ''. So here I am!
05/15/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 30519	Web
SOURCE RECEIVABLES MNG Original creditor : XXXX {$1800.00} Balance updated XX/XX/2021 This company Source Receivables MNG never approach me in an email, through the USPS, or any other method of notification that I need to respond to a debt that was given to them by XXXX. I got notifications on all credit reports today XX/XX/2021 that I had a new collections account on my credit report. I want this removed, I am willing to pay a portion of the debt in the amount of 10 % of the total amount equal to {$180.00} and it be removed without the statement of settled or any other language, completely removed. Thanks in Advance, XXXX XXXX
07/13/2023	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	FL 32935	Web	Servicemember
Thursday XX/XX/2023 phone call received at XXXX. In the phone call, before any confirmation of my identity was given by me, the woman proceeded to give out my social security number. When my husband proceeded to try to explain she had the wrong person and wasn't me, the woman then aggressively kept spouting off federally secured personal identification ( ie., social security number, full name, birth date, home address ) all without confirmation, and to the wrong person who wasn't the person of attempted contact. This is a complete violation of my personal and private identity and could be used for any identity breaches or theft.
10/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20774	Web
I received a notice from source receivables regarding a debt from 2020. I dont remember owning any XXXX and I request a debt validation. Attached is official dispute letter requesting documentation XXXX XXXX XXXX $ XXXX states I have the right to dispute inaccuracy on my credit report. If inaccuracy is found, the credit bureaus must remove inaccurate item on credit file. Under the Fair Credit Reporting Act ( FCRA ) ( XXXX XXXX. XXXX ) Consumer may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after the harmful behavior or within five years after the harmful behavior occurs.
08/26/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92083	Web	Servicemember
I closed my XXXX XXXX account after 10 years and was told over and over by customer service my account was paid in full. I switched to XXXX for a few years then went back to XXXX XXXX due to service coverage for where I am stationed. I opened a new account and then a year and a half later I received a letter saying I owed an amount from 2019. I emailed the company asking for information to be mailed to me. I have someone at my house accepting my mail while I am out of state for school but there has been nothing sent to me by the company. It appeared on my credit report a few days ago without me being able to dispute it.
11/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92841	Web
I have disputed the inaccuracies on my credit report that Source receivables is sending to XXXX and XXXX. One example is that they are reporting Date Last Active as XX/XX/2022 I have never been active on this account. They are violating the FCRA laws. Also, I need validation of debt. I have never signed a contract with this company or owed this company one cent. I would like for you to investigate this matter. I need some legal documentation with my signature stating I owe them and the exact amount. I am going to file a complaint with the state attorneys office if they don't remove it by next week. Thank you in advance
01/31/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO 80022	Web
Im unsure of the information being used for this account but I have talked with the collectors verifying this information does not belong to me and have asked multiple times for them to stop contacting me the information they have on record doesnt not match my information such as date of birth social any of that they are continually putting this charge on my credit after it has already been disputed for the same information and I If i was to get and account through this lender when this account was open it wouldnt have worked because when account was opened I was still a minor and under age so couldnt posess an account
05/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 08901	Web
I was notified through " XXXX '' that I had collections for a total balance of {$3800.00} that was assigned on XX/XX/2021. The company that is sending for collections is the phone company " XXXX ''. They have three different collection agencies trying to collect money from me. XXXX has " XXXX '' trying to collect, XXXX has " Source Recvb '' trying to collect and, XXXX has " Source Receivables Mng '' trying to collect. I have never had any accounts with XXXX in my entire life. I have had to resolve this similar issue earlier this year with a different collection. I hope to resolve this like last time. Thank you.
10/10/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30135	Web	Older American
SOURCE RECEIVABLE MANAGEMENT THESE PEOPLE HERE ARE VERY RUDE YOU SEND IN LETTERS FOR VALIDATION EVEN CERTIFIED LETTERS THEY WILL NOT RESPOND IT IS THE LAW A PERSON HAS A RIGHT FOR VALIDATION THEY NEED TO BE REPORTED I HAVE SENT IN SEVERAL VALIDATION LETTERS AND HAD ONE OF THEM CERTIFIED THEY STILL HAVEN'T RESPONDED THEN I DON'T KBOW WHAT ELSE TO DO I WANT TO KNOW WHERE THIS DEBT CAME FROM DIDN'T KNOW UNTIL I CHECKED MY CREDIT THIS COMPANY HERE IS VERY VERY RUDE THEY NEEED TO BE PUT ON THE NEWS OR SOMETHING I PROMISE YOU THEY WILL NOT RESPOND TO YOUR VALIDATION LETTERS CODE 809 AND CODE 609 WE HAVE RIGHTS AS CONSUMERS
01/25/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 11206	Web
I received a bad high impact on my credit report by XXXX claiming that I owe XXXX on my last bill before leaving XXXX phone company because its horrible customer service. I paid in full the last bill than canceled my account while in the store. XXXX is claiming the cancellation wasnt done and charged me for an additional 3 months including the device cost because the store representative did not return the XXXX equipment to the headquarters before quitting. The amount XXXX claims I owe is ridiculously high and has caused my credit score to drop, these practices are unfair for a person who pays all his bills on time.
12/16/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CO 80211	Web
The company, Source Receivables Management, calls me every XXXX When I ask what company they are from, they state the companys name. When I ask what type of business this is, they immediately hang up on me. This is refusing to identify them as a debt collector which is illegal under both XXXX XXXX XXXX XXXX I have not even been able to discuss anything with them as they hang up every XXXX time that I ask them what their business with me is. This is an obvious case of malicious harassment by a debt collection agency that goes directly against state and XXXX XXXX requiring debt XXXX to identify themselves as XXXX XXXX
03/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11203	Web	Servicemember
Source Receivable Management informed me that upon payment of the collection, the collection will be recalled by XXXX and the collection account will be removed from my credit within 30 days. Now they are telling me that this conversation never took place. They refused to transfer me to a supervisor as the account is no longer with them. Then why are they still reporting the collection if the account is no longer with them? Source Receivable is engaging in a very disturbing and misleading practice. They are informing clients that the collection will be removed from the credit and than failing to honor their word.
10/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	TX 76179	Web
This letter is regarding this account XXXX Cfpb case number XXXX I demand your company to delete this account immediately I am not going to wait another 30 days for you to delete this account. You had more than enough time more than 30 days to send me the information I requested for. My first letter was sent to you in XXXX XXXX as of today is XXXX XXXX. By law is required 30 days and not more. Your 30 days is up, delete now. You have 3 days, if you dont delete it, I will file a claim for violation. If I loose my auto loan due to your negligent you will pay 15USC15 Suits by persons injured threefold the damages..
05/28/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MN 55116	Web	Older American, Servicemember
We had alarm service on our home in XXXX that was paid via automatic bank withdrawal. When we sold the home in XXXX, 2018 we notified XXXX company several times to terminate service. The automatic withdrawals continued until we finally directed the bank to stop them. Then, the XXXX company started sending monthly Bill 's to our new residence in XXXX. Each time, I would politely remind them that I had terminated service many months ago. Now they have turned us over to a collection agency. The alarm system wasnt even working because the house was broken into an robbed before closing without any alarm being raised.
11/03/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33034	Web
On XX/XX/2023 I received an alert on my XXXX account so I went to take a look at what it was, then I seen that a collection appeared for XXXX for the amount of {$1500.00} dollars I called XXXX immediately and reported that the account did not belong to me or that someone is fraudulently using my credentials because Ive never had XXXX as my phone carrier they then responded that I should make a police report and file a complaint with the cfbp as I am doing now. Then XXXX placed a fraud alert on my file but then I also went to my XXXX to investigate there and I see the same collection that shouldnt be there also
08/22/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MN XXXXX	Web
I received information from you attempting to collect the Above Listed alleged debt. Your initial communication to me of this alleged debt was within 30 days ago. Please be further advised, I dispute the validity of this alleged debt in it entirety. Be further advised that I request the name and address of the original creditor along with an agreement with my original WET signature binding me to this alleged debt.You are illegally attempting to collect an alleged debt and money at that I do not owe. As per the law seized in desist all collection activities including credit reporting agencys Please comply. View
03/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30106	Web
In accordance with the Fair Credit Reporting Act, The following account has violated my rights : Source Receivables MNG Acct # XXXX XXXXXXXX Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A. Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. This company is attempting to collect a debt. I've never done business with this company nor am I aware of who they are. They have not provided proof that I have signed anything. They have damaged my credit because of this and are causing a lot of stress in my life due to this act.
09/03/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07040	Web
SOURCE RECEIVABLES MNG XXXX I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. The following account does not belong to me and should be removed from my credit report immediately : The following accounts are not mind account. No knowledge account. This account was already Disputed with XXXX XXXX and XXXX on XX/XX/2017 SOURCE RECEIVABLES MNG XXXX
06/18/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33311	Web
I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded. However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FDCPA. My next step is to contact a consumer protection attorney unless the matter is resolved here.
09/05/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 28269	Web	Servicemember
I have disputed the ownership of debt that Source Receivables Management is claiming that I owe however as of to date they have failed to provide actual proof that this debt belongs to me. Per 15 USC 1692g. Validation of debts I requested an original signed application with my signature and copy of my identification used to open said account. They are not able to provide his documentation and as such is trying to collect on a debt that they can not verify belongs to me. Failure to provide such information upon request is in direct violation of the FDCPA and entitles me to damages of up to {$1000.00}.
07/03/2023	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	CT 06516	Web
Several different collection agencies have been placed on my account by XXXX since XXXX in order to destroy my credit score. The only mobile phone I've ever had was a XXXX phone since I could have one. The false collections on my credit report from XXXX have dropped my score from XXXX to XXXX, and I have no idea what to do. As a new teacher, I want to buy a home and a car, but I can't even do that since the false collections on my credit report from XXXX have dropped my score. My credit score has been destroyed by XXXX sending agencies to harass me. I need help to continue my life in peace.
01/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 700XX	Web
XXXX XXXX In accordance with the Fair Credit Reporting Act Source Receivables Account # XXXX has violated my rights. In accordance with The Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. In accordance with The Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX 15 U.S. Code & 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identify theft. My action was dispute with the companies wasn't getting no written notice or respond.
09/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32707	Web
I have requested in writing to Source Receivables Management, mailing address XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX, on 3 different occasions, that the account place on my credit report on XX/XX/2023 is not my account. My Validation of Debt has been met with silence and I am at a loss of what to do without them providing proof of my debt. They have refused to provide me with Proof of Ownership of this account. I have been diligently requesting this data and have no resource other than filing an official complaint. I am requesting as my right, to have this debt validated. Please help me.
06/01/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33064	Web
I was advised by the Internal Revenue Service that my social security number and other confidential information were compromised. Sometime in XXXX to XXXX my personal details were stolen and have been used up to XXXX XXXX when a security alert had been placed on my credit files. These fraudulent accounts range from medical ; utility accounts and credit card accounts and must be deleted from my history. I forward the details of these accounts in question and a copy of the Identity Theft Affidavit and I have had no response from both the credit bureaus and the creditor/collections agent.
10/05/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	MI 48340	Web	Servicemember
I have spoken to the original creditor of this account who has stated there is no balance owed on any account with them as payment has been made in full. They have stated that they would reach out to the collection agency that was assisting on the account for them and have them delete the account from all reporting agencies as there is no balance with them and the balance was paid directly to the creditor. The amount disputed is XXXX Paid in full directly to XXXXXXXX XXXX in guaranteed funds there is no contract or agreement of any balance owed between myself and source receivables.
02/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33313	Web
The company Sources Receivable Management has yet to respond to the request sent via US mail on XXXX XXXX, 2023 to provide the following : Original contract with wet signature, name, address, DOB. An invoice does not properly suffice as a method of validation. This company continues to violate my consumer right by adding false information to my credit profile. I have made several attempts to request the this debt be validated correctly and this company has failed to provide me with the requested information. Please remove this erroneous information from my credit report immediately.
04/06/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FM 34983	Web
this is company is repoeting this debt on my credit this is the third collection company thats reporting. Also this is my second time writting the cfpb the last time i wrote you guys the debt was with another collection agency which agreed to remove the debt from my credit profile. They stop and removed it but now its with another company thats reporting again on my credit. The same original creditor which is XXXX but they just changed the amount. The first collection company reported {$860.00} NOW the new collection company is reporting {$890.00} I just want this removed for good.
09/28/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	DE 19709	Web
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on SOURCE RECEIVABLES MNG ( Original Creditor : XXXX ) ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
02/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	SC 29420	Web	Servicemember
On XXXX XXXX, 2016 I received a phone call from ( XXXX ) XXXX XXXX at XXXX am EST, stating she was a debt collector from XXXX in XXXX. I live in XXXX and asked that the bill be sent to me. The agent refused and said I needed to pay and that " we sent you the bill you just trashed it '' at that point I told her the phone call is recorded and she laughed and ended the call. I as simply asking for the bill to be sent to me and telling me that I " trashed '' the bill instead of sending it to me is completely harassing and making lude comments about throwing things away is unnecessary.
04/12/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 76522	Web	Servicemember
I was a XXXX customer XXXX XXXX XXXX had a promotion that would pay off the balance you owed on your phones if you switched to them. I switched and the balances of all cell phones on my account was paid off. I dont have a contract with Source Receivable MNG my contract was with XXXX . Source Receivable reported to my credit and I now have a collections on my credit report. They call my house 20 times a day they have called my job and threaten to have me arrested at work. I owe them nothing just like I owe XXXX nothing I have never signed a legal contract this collection company
08/17/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NV 89147	Web	Servicemember
There is a bill that is reporting with a XXXX XXXX and it was disputed, they then reported it as XXXX balance and sold it to another collection company a Source Receivables. So the XXXX has hit my credit scores then the Source Receivables hit my scores. Since XXXX is a collection company and not the original company they should not be reporting the account at all because they have not vested interest in it. The Source Receivables is also reporting a new open date and not when the account first became late and never again went current therefore it's re-aging a very old account.
04/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 08054	Web
As of XXXX XXXX, There is a XXXX ( original creditor ) debt of {$5400.00} that has been continuously removed and then added onto my credit report time after time. The account has been found as fraudulent and removed. Then the company who bought the debt, SOURCE RECEIVABLES M, has removed and added the debt the same day numerous times. It has affected my credit score dropping it XXXX points every time this is done. I have disputed this with the company and the credit bureau. I want this debt removed permanently from my credit report as it is a fraudulent account affecting me.
02/14/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Charged too much interest	TN 37066	Web	Older American
I was not aware at the time I took this credit card out that it had an annual fee. I used this card one time with a {XXXX charge then get statement showing the annual XXXX} fee plus my {$15.00} fee I called them told them I was cancelling the card an I would pay XXXX which I did but I refused to pay the outrageous annual charge an fees that are now up to XXXX so now some other place has bought out their debt collection. I still refuse to pay these outrageous fees an charges they have applied, None of my other cards carry an annual fee this has been crazy to chg this much
12/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 07304	Web
On XX/XX/2020 SOURCE RECVB add a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account Was transferred/sold And I am no longer Responsible for the account. Debtors creditors did not verify this Collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, SOURCE RECVB has violated my rights as a consumer And Im requesting legal action to remove this account immediately.
02/14/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60619	Web
Before Source Receivable Management bought this account, I had disputed this account with two other collection agencies. Both XXXX XXXX and XXXX XXXX agreed to stop collection on this account due to unverifiable documents. I ask Source Receivable Management for supporting documents that state that this account belongs to me and if it is accurate and nothing has be received. I disputed on line and also in writing. They have reported to the bureaus that the account has been verified but no documentation has been presented. How can they verify if two other companies could not?
05/13/2023	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70123	Web
This business is knowingly reporting that I owe a debt of {$810.00} to a company that is no longer in business. Also after I requested a debt validation from this company I was told that the contract for the services that were purchased was signed before I was even old enough to legally sign a contract. I voiced this to this company and they were forced to delete this information. Now months later they are knowingly reporting the same information. I want this permanently deleted because it is defaming me and also negatively affecting my ability to obtain credit in my name.
10/20/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MA 021XX	Web
Since the end of XXXX I have been disputing Source Receivables MNGMN for a false debt they claim I owe with the original debtor being XXXX. I have zero knowledge of this account and have never had any business or account with this company. The account was opened with a false address that has been proven fraud and removed from my account and the collection should be removed as well as it identify theft. Attached is a copy of the identity theft report I filled. I request that immediate action be taken and this fraud collection be removed from me credit reports immediately.
03/04/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 349XX	Web
I received a templet letter dated XX/XX/2020, from Source Receivables Management requesting {$2900.00} that I owed. On XX/XX/2020, I sent out a formal request notice for validation and verification of the debt to Source Receivables Management by certified mail with signature. They received and signed for that request on XX/XX/2020, at XXXX XXXX They are in violation of FDCPA 15 USC 1692g 809 ( b ) by : 1. Failed by ignoring my written request to validate and verify their alleged debt with me. 2. Failed by not stopping debt collection activities on this alleged debt.
08/12/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 113XX	Web
I had a XXXX data plan and it never worked and I did not use it and returned it back to XXXX within the return time period a long time ago. They kept my name on some account with them when I dont have an account or contract with XXXX. I am with my current provided for almost 10 years and I have not signed up for any XXXX services. I am going to file a lawsuit against this unknown account and company for having placed derogatory negative mark hurting my credit score. I have no clue what is Source Receivables Management and have never been contacted about this issue.
01/25/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75071	Web
I recently checked my credit report and notice a account and balance that I know nothing about. I placed a dispute with the company asking for debt validation and they sent a letter stating the start date of the account, a last payment on the account, and and delinquent day for the account along with an email address thats not mine ... .. I thought debt validation is showing the original account contract with a signature not some random email address and some dates for the service account ... .. its unfair to pin a debt on a person credit report without factual proof
09/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60411	Web
This company I contacted in regard to the debt collection has responded but to my surprise they tell me that my account for XXXX, which I've never had, was opened on XX/XX/. Which is entirely impossible because I was a legal XXXX at the time. I know for a fact XXXX would not allow a XXXX to shop with them. Unless XXXX did something without my permission .... The debt is for {$660.00} but I refuse to pay because it is not my debt. Clearly it is not. Since when is it okay for a child under XXXX to go to XXXX? Its not. I expect this case to be dealt with delicately.
01/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 480XX	Web
The following alleged collection account is listed as having a PAST DUE BALANCE of $ XXXX This is a violation of the FCRA and is in violation of requisite XXXX Compliant reporting standards. According to the Fair credit Reporting Act I have right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion.
08/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL XXXXX	Web
I looked on my credit and saw this I have disputed this many times and asked them to prove this debt I have never had an account with XXXX or never have even opened an account with XXXX I asked them to remove this from my credit and they still have not done so nor have they proved this debt belongs to me DELETE THIS FROM MY CREDIT OR IM GOING TO GET A LAWYER AND SUE THEM FOR THIS NOT ONLY FOR PUTTING THIS ON MY CREDIT BUT FOR ALL THE TIME AND THAT I HAVE PUT INTO ITALOMG WITH PAIN AND SUFFERING AND HIGHER INTREST RATES DUE TO THIS ON MY CREDIT PLEASE DELETE IT
08/08/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CO 80214	Web
Dear Source receivables management, I, XXXX XXXX have written this dispute letter to dispute a claim that is falsely listed on my credit report. The amounts owed are no longer outstanding. You have not proven to me that this debt is mine nor have you shown me the original contract. If you can not provide the original contract stating that this is my debt then it is legally required to be removed off of my credit report. This is my official and last request to have the aforementioned item deleted off my credit report before taking legal action. XXXX XXXX XXXX
10/04/2017	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	CA 90404	Web	Older American
Source /XXXX is calling my cellphone numerous times. When I try to tell them about this so call XXXX debt. They turn into the worst unprofessional abusive reps. I can not put into words. One even do n't worrying I will add it to credit report. I consider that a real threat since our world is credit base. Also I have written a letter to higher management regarding the abuse. I am XXXX. I can not take this type of treatment. My doctor told me I am stressing on this issue. I live off of Social Security. Trying my best also to take care of a mother with XXXX.
01/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX XXXXX	Web
This the FOURTH collection agency that has tried to collect funds for XXXX account that has been closed for quite some time now. This contract was cancelled by XXXX. I made contact with the other collection agencies and they could not produce a SIGNED and WRITTEN contract between myself, XXXX XXXX, and them. I have made contact with this company verbally requesting that they provide a WRITTEN and SIGNED copy of the repayment contract between myself, XXXX XXXX and Source Receivables MNG. I was transferred several times before they disconnected the line.
05/31/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MA 01201	Web
I disputed the collection with XXXX years ago XXXX knowledge the fraud and removed it from my credit report and account two years or so late it has returned do XXXX XXXX and XXXX XXXX the same people i reported for this fraud and stole my sim card from my phone and stole Identity and call credit bureaus reporting false information but this collection debt was already recognized as fraudulent charges and activity on this account for XXXX now the trying to collect the same fraudulent debt again with hurt my credit score twice now thank you XXXX XXXX XXXX
05/23/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 27703	Web
This company is not legally authorized by my current state of residence to pursue any collection actions against me. According to the NC Secretary of State, this company is not licensed and therefore all collection activities need to end as well as the negative reporting on my credit report. According to NC law, in order for any collection activity to occur against a consumer, the collection agency MUST be licensed in NC. I am attaching an image of the NC Secretary of State search in which is shows this agency is not listed or licensed in the state.
08/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30305	Web
I received a letter from Source Receivables Management dtd XX/XX/2023, enclosed with statements with my name, but not my address, with a phone number, but not mine. I asked them to provide me with a contract of the original debt, and they provided me with some statements and typed my name out. I am not aware of this bill and I tried to reach out to them and they refused to take this off my credit. This is presenting a hardship for me as I need to have my credit in a position to maintain gainful employment. I need this to be removed asap.
05/26/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC 27616	Web
As of XX/XX/XXXX {$670.00} was posted to my credit report on behalf of XXXX thru Sources Receivable Management. I have never received any paperwork from XXXX that monies were due. I have not been a customer since XXXX. I have submitted multiple disputes from XXXX til now stating that the information is incorrect. I have also requested proof of charges for the debt and to no avail. I have also asked that if the debt can not be proved to remove from my credit profile. I have no knowledge of what is owed and why and that any attempt was made.
04/14/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	ID 83702	Web	Servicemember
XXXX the cell phone company is attempting to collect {$210.00} from me and has forwarded on their fraudulent claim to collections agencies. I asked for copy of a signed contract that bears my name on this alleged and FRAUDULENT account. Neither XXXX nor their collection agency XXXX were able to provide me with a copy. BECAUSE THEY ARE FRAUDSTERS! After failing to provide me with a signed contract XXXX sold off this fraudulent claim to a Source Receivables Management company. Who is also now attempting to collect on this fraudulent debt.
10/04/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33634	Web
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
11/02/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60487	Web	Servicemember
I saw some unknown source to collect a debt and disputed it on XX/XX/2022 asking for debt validation with itemized bill and signature agreeing to pay said debt they're claiming I owe. I received a notice that does not contain any of the information it's only a letter that says I owe the money with no further explanations on it validating the claims. I called the company to obtain the correct information and tell them I did not receive anything in compliance in validating the debt and was spoken to in foul language and hung up on.
04/01/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 34655	Web
I do not know if the company is a fake or not. I request that they provide me with information of the amount I owe in writing and they refused to send me that information. They state that they sent me a letter 10 months ago. I explained that I did not get such a letter and ask them to provide me with that information. A manager named XXXX refused to sent me that information. Moreover I explained that they continue to call me on my cell phone and have requested that they reframe from doing this practice and contact me via mail.
01/27/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32714	Web
Hello I have been trying to resolve a matter with SOURCE RECEIVABLES MNG for Months. before this Company put this on my Credit Reports. this debt was disputed off my credit and Removed. Months later this Company purchased the debt from the original Collection Agency and then put it on my Credit reports. so I have been going back and forth trying to get this removed. its causing me stress and pain from getting approved for a Home. it was put on my reports XX/XX/2017. If I could get this removed, i would gladly appreciate it.
08/27/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MO 63033	Web
In short this debt / collections matter is fraudulent in nature. The original creditor sold this debt fully aware of my dispute, however over the past XXXX years I have had this reported on and removed from my credit report at least XXXX times previously. The new collections company XXXX Source Receivables Management ) has presented a new account number and amount ( fraudulent ) and reported to the credit bureaus. Note I have a pending disputes with the credit bureaus, however I feel they are complicit in allowing this.
11/10/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 34786	Web
XXXX used a bait and switch to lure customers. XXXX promised to pay all early termination and other fees for switching from other carriers to XXXX. However, XXXX failed to provide {$390.00} in promised fees as well as hundreds of dollars in service fees which it promised to refund due to repeated service failures and never delivered. XXXX also failed to refund purchase fees for returned equipment. As a result, XXXX was immediately canceled and service was switched back to XXXX where new telephones had to be purchased.
12/10/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	OH 440XX	Web	Servicemember
On XX/XX/2019 I was contacted by Source Receivables Management at approximately XXXX XXXX regarding a XXXX collection. I informed them that this debt was paid in XX/XX/2019 through direct withdrawal. The woman was quite combative to the point, finally resolving to provide an email where I could send proof of the transaction. At approximately XXXX the same day they called again as an attempt to collect said debt, which is in violation of several laws and regulations set in place to protect consumers and is harassment.
07/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30096	Web
I have disputed these debts with XXXX, XXXX and XXXX 9 times with success in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2023, XX/XX/2023 The following Collection Company : Receivables Performance Some of the answers that I received were that the collection had an update, and deleting it from my credit report but right now it appeared again in my credit report with this other Collection Company : ( Source Receivables MNG ) {$920.00} charging the same collection that I deleted in the past because it was not mine.
12/14/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 91730	Web	Older American
XXXX have sent a letter stating I owe them {$160.00} on XXXX XXXX for account # XXXX and Ive reached XXXX to them numerous of times and even went to the office to talk with a representative because I paid this account in full and i advised them of closing my account with XXXX. I started getting these letters harassing me stating I owe them. I did Pay the amount and have disputed it and they stated they would remove it now XXXX being sent to collection for something I paid for. Please help me as I do not owe this.
01/18/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 331XX	Web
This agency says that it charges on behalf of XXXX and I have no debt with XXXX, since I was never answered the call from costumer service or the calls were closed and the offer they offered was for a service, which I never had, therefore I am EXHED from debt. This information can be corroborated and investigated in my phone calls to the XXXX company, it can also correct the immediate attempt to return the equipment which was not accepted, all this can be proven through calls from my phone number to the company.
06/19/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 229XX	Web
XXXX hired Sourc e Receivables Management to c ollect money from an account that was past due and they tried to threaten me with harming my credit and suing me if i did not pay even though i never ever had an account with XXXX and was not the person that owed the money I called XXXX twice to have them fix this problem and on the second call i was notified that the dept collector was notified on XXXX XXXX to stop calling me and to cease and desist any dept collection from me today is the XXXX of XXXX
04/16/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 19139	Web
Source Receivables failed to validate a debt at my request, which is a FDCPA violation and continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have they ignored my prior requests for validation of debt but they continue to report this debt to the credit bureaus causing damage to my character. As you may be aware, " Estoppel by Silence '' legally means that they had a duty to speak but failed to do so therefore, that must mean they agree with me that this debt is false
12/11/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 63368	Web
Starting the middle of XXXX Source Receivables Management has been harassingly calling me trying to collect over {$300.00} on some XXXX debt I am not familiar with. Before they started contacting me in XXXX I had filed a previous complaint about this company contacting me asking for someone else back in XXXX. Told them they had the wrong number but, they harassed me and forced me to file a previous complaint against them. Seems this could be retaliation by this company for my previous complaint against them.
07/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60620	Web
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
03/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 245XX	Web
In accordance with the fair credit reporting act, XXXX XXXX XXXX, Source Receivables Management, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
01/30/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92708	Web
I contacted XXXX to cancel my monitoring services in XX/XX/2018. They did not cancel my service ( original creditor account # XXXX ) and continued to charge me for another month. At this point I cancelled my credit card. Even though I cancelled my card they continued to bill me for two more months and then charged me a cancellation fee, even though I was out of contract and had been using there service for 7 plus years. Now they have sent a collections agency after me claiming I owe them {$110.00}
03/10/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 34983	Web
ii have asked XXXX XXXX on several occasions to provide proof that i owe the debt i asked them to provide a signed contract from the original debtor and it is now 9 months later and still don't have any info or an answer, when i called and asked them they told me to just pay the bill hen in fact i don't owe the bill we walked away from XXXX free and clear we returned the phones as instructed by XXXX paid our final bill and we thought it was over. when i ask for proof they gave me the run around.
02/19/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD XXXXX	Web	Servicemember
This account was paid and settle with the original creditor ( XXXX ) for deletion. Source Receivable Management refuses to Verify and Validate as required by law. I asked them for their license to collect in the state of Maryland, amount owed, breakdown of fees, original signatures, date of original delinquency, and name and address on file, to validate the debt and their right to collect debt on behalf of XXXX, as required under the Fair Debt Collection Practices Act, 15 1692g Sec. 809 ( 8 ).
09/26/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	NY 14228	Web
I made a phone call to the debt collector stating the bill is invalid and in dispute. They forced me to pay the bill I was disputing with the landlord. Date of the call : XX/XX/XXXX amount : {$280.00}. They mailed the bill to me on XX/XX/XXXX which is more than 14 days after my move out. We don't agree on the bill and by XXXX XXXX XXXXXXXX residential law, after 14 days, the bill is illegitimate. The debt collector is Source Receivables Management. XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX
07/10/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 92234	Web
XXXX the original account now held by SOURCE RECEIVABLES MGT, AS COLLECTION AGENT for acct. no.XXXX is guilty of fraudulent charges regarding this account. This is XXXX third agent for this fraudulent debt.The previous two were XXXX XXXX AND XXXX XXXX.EACH CREDIT BUREAU received these disputes last year at XXXX XXXX AND XXXX.Each bureau has deleted this same debt for the same original creditor two times and now we have a third collector who claims to know nothing of the previous disputes.
02/10/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MD 217XX	Web
I was notified by XXXX/Source Receivables Management, XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX on XXXX XXXX, 2017 regarding an alleged debt. On XXXX XXXX, 2017 this debt was paid and I was told the account was closed. I was also told I would receive a letter stating the account has been closed. As of XXXX XXXX, 2017 I have received no confirmation letter stating the account has been closed. Source Receivables Management has taken payment to close an account and has not closed the account.
05/03/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	AK 99577	Web	Servicemember
For the second time on XX/XX/XXXX at XXXX, I was contacted by " XXXX '' at Source Receivables Management in regards to an owed debt. I in he past had already asked them never to call me at work. Both times I have spoken with someone and tried to end the conversation ( because I am at work and can not accept such calls ) they were both extremely rude and argumentative. I felt like I was being personally attacked. Both times I have had to hang up to not cause a disruption at my work place.
09/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77459	Web
Hello, On XX/XX/XXXX I got an alert from XXXX, XXXX, and XXXX that I had an account, XXXX XXXX XXXX XXXX XXXX ( Original Creditor ), go into collection by SOURCE RECEIVABLES MNG. This account is not mine. I have not received anything for this debt nor and most importantly I did not authorize this charge/account. Please remove this ASAP, I am in the process of buying a house and this has completely ruined my mortgage rates making it impossible to get a good mortgage loan. Thank you.
03/21/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 07109	Web
You do not have jurisdiction or authority to collect on this alleged debt with account # : XXXX in the amount of XXXX reference # : XXXX you are not licensed to collect in the state of New Jersey cease and desist all calls, contact with me and any reporting to the credit agencies, remove this account immediately from my consumer report. Furthermore, I did not consent for you to furnish or have any of my nonpublic personal information. Pursuant to 15 USC 6803 I have a right to privacy.
10/20/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77365	Web
I have become a victim of Identity Theft and have had several credit accounts and collections show up on my credit report over the past few months. With the recent data breaches I am certain my information was leaked from this and shared. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.
10/02/2018	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	TX 76502	Web
The company has Called me a number of times and everytime they have failed to prove id for the company they are with and keep asking for personnel data before id the company they work for. I have told them to stop calling due to them not being able to id themselves before they seek personnel information. They called on the XX/XX/XXXX and XX/XX/XXXX and on the XX/XX/XXXX i told them not to call due to that they would ask for information without letting me first know what it is was for.
07/05/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32304	Web
This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$430.00} with XXXX, XXXX, & XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
05/28/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 146XX	Web
According to the fair credit reporting act ( hereafter referred to a FCRA section 609 ( a ) ( I ) ( a ), company is required to verify debt in the original signed consumer contract - any and all account you post to credit report. Otherwise anyone paying for reporting services could fax, mail or email in a fraudulent account. Therefor I am demanding to see original consumer contract with signature you have on file to the account listed. Under FCRA unverified accounts must be removed.
05/23/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 92831	Web
SOURCE RECEIVABLES MNG XXXX XXXX XX/XX/2018 {$3000.00} {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX-XXXX Try to contact with company with mail / disputes to verification letter they never respond or sent me any info about the debt and they are reporting to credit brues as collection but i have no idea baout that i need them to sent me verification of debt not verified or you owned that i want actual paperworks to verify that info or remove from my credit report.
04/08/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94589	Web	Servicemember
I asked for debt validation on XX/XX/22 as I've never received anything from this company and on XX/XX/22 received a letter from XXXX fraud department. I just received notification from the credit reporting agency that a new collection was added to my report as now this company is reporting two times with two different dates. I called and ask them to verify and was told by XXXX that I could not request this over the phone and he hung up. They are in volitions of my credit rights.
03/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	AZ 85301	Web
Account had been disputed in XXXX of 2021 by the original collector. Company put it back on my report on XX/XX/2021 Was receiving harassment calls every single day, told company to leave me alone as debt had been removed and yet would receive a call. Have blocked calls from this company Source Receivables Management and would still receive calls. This account was closed down Im not understanding why it was opened back up again and report to my credit when it had been disputed.
01/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92376	Web
XXXX has been non-compliant with removing the unverified account SOURCE RECEIVABLES MANAGEMENT Opened Date XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that SOURCE RECEIVABLES MANAGEMENT was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
07/12/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30253	Web
XXXX reported a false balance on an account. XXXX never made contact saying there was any debt owed. Collection agency said they were the third company to receive the debt but we never received anything from the first two companies. I wrote them a letter and explained it to them they did not care first two people I spoke with were absolutely RUDE! The last one was very nice. This collection dropped my score XXXX points and I wasnt aware until one month before about it.
07/01/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30252	Web
Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX, XXXX, and XXXX credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature.
08/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	FL 33178	Web
this company source receivables management unlawfully listed an account on my credit report stating it belongs to me with no proof. They reported it as a COLLECTION!! They have failed multiple times to provide me with and validation when I have requested it by phone and email and they need to remove this account immediately as this Is stopping me from being able to expand my business. Please help them to respond and remove this account as soon as possible thank you!
01/24/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 11379	Web
COMPLAINT ID XXXX Source Receivables Management reviewed my complained and stated as follows : The last payment was posted against past due balances. A balance remained after this payment was made. I am attaching the XXXX bill which confirms my last payment on XX/XX/09, balance forward " XXXX ''. " This account was activated as post-paid and not pre-paid ''. " This account was activated as post-paid ''. Paid two months in advance after activation, proof attached.
06/28/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30004	Web
Dear SOURCE RECEIVABLES MANAGEMENT, I am a victim of identity theft, and I did not make open the account in reference. I request that SOURCE RECEIVABLES MANAGEMENT remove the account and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account. I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it.
06/06/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 44128	Web
original creditor was XXXX contacted this company several times with no written response that i never received written notice of this debt or any signed contracts by me to validate this debt, the date this account was originally sent to collections and an itemized breakdown of the debt i dont even know what the debt is for or why they say i owe so much. this company has never sent proof of debt, a signed contract or notice they were seeking collections and why.
07/02/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21234	Web
Im a victim of identity theft. I had received some phone calls from unknown source claiming to be, a deptcollector/ XXXX ( cableOrCellular ) I denounced this claim, because it wasnt me, I have been a XXXX Customer for over 19yrs, and so I have no idea of using XXXX. I have explain to the deptcollectors Over & Over every time they called. Recently during my enquirer to purchase a HOME, I realized that, they have send an amount of {$2900.00} to my credit report.
08/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OK 74136	Web
i have a few collections that do not belong to me and the credit bureau wont take them off my account on XXXX XXXX XXXX XXXX opened a collection for XXXX $ with the original creditor being XXXX XXXX on XXXX source receivables manage opened a collection for XXXX $ on XXXX the original creditor being XXXX XXXX XXXX opened on XXXX with the original creditor being XXXX XXXX XXXX which was a condemned apartment complex that was shut down while i was living there
06/05/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60605	Web
As I'm not aware of why this account is showing up as a collection on my report. I was willing to work with the company to rectify the situation and pay a negotiated amount just to have it removed. The company insisted it was my account and that I have to pay the full amount in order to have it stop showing up as a collection under my social security number. The company was unwilling to work with me but I need to get this matter resolved as soon as possible.
09/01/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 94107	Web
Hey, so long story short. I got a bill from XXXX. I've never owned a XXXX account, I've always used verizon wireless XXXX They told me to make a police report, which I did ( XX/XX/23 ) I'm in the process of submitting my police report for identity fraud and get this sorted out. I'm writing because the letter I received said, I have till XX/XX/23 to dispute it. I need another week or so, cause the police department is really slow at getting me my case file.
10/04/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94531	Web
Source Receivables management PursuIt to 18 USC 8, I owe NO debt.This company is violating my consumer right to privacy pursuant to 15USC 1681 b2. This company also has NO permission to report ANYTHING using my information pursuant to 15 USC 1681 4 as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). Reporting false information with an open balance
11/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92376	Web
XXXX has been non-compliant with removing the unverified account SOURCE RECEIVABLES MANAGEMENT XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that SOURCE RECEIVABLES MANAGEMENT was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
11/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 775XX	Web	Servicemember
I was a victim of identity theft and noticed a collection from SOURCE RECEIVABLES I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against SOURCE RECEIVABLES in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
09/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30312	Web
I pulled a copy of my credit report and saw that this company was reporting a XXXX debt. I sent them a debt validation letter to see if this account was indeed mine and they replied with a simple letter just stating what the balance on the account was. That does not prove this account is mine. I sent another letter on XXXX XXXX stating to please prove the debt is mine with something that has my signature on it or a contract and they have not yet replied.
04/30/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08021	Web
I am not disputing the debt of XXXX dollars. I am however making a complaint on the collection reporting to my credit on a weekly basis with sometimes reporting it three or more times a week. Every time they report this debt my credit rating drops. They are treating it as a new debt every time they report. My understanding is that they can report and update on a monthly basis. XXXX has refused to take this into account when I filed the original dispute
11/26/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30294	Web	Older American, Servicemember
Call this company, we agreed on my paying {$400.00} to settle the debt. The representative refuse to provide documentation that stated he/she would remove all negative reporting. He felt that because our conversation was being recorded that this was sufficient, but we know business is business, if its not in writing it did not happen. I have been ready to satisfy this debt, what's the point of paying if they refuse to remove all negative reporting.
04/27/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 22192	Web
I have reason to believe I do not owe this debt, as I had closed my wireless account with XXXX on XX/XX/2018. I had cleared my account and returned all the equipments against which XXXX issued a XXXX balance receipt ( Copy of original receipt enclosed ). I have tried to resolve this matter with the debt collecting company Source Receivables Management, unable to listen or help fix my problem. I have an excellent credit they ruined it by reporting it.
07/02/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33142	Web
The collection company SOURCE RECEIVABLES M is trying to collect a debt that has been discharged in my bankruptcy. Please delete this account from my XXXX and XXXX credit report. The account shows a balance for {$1800.00}. The original creditor was XXXX. I already submit a dispute but they told me the information is accurate but is not. My lawer is aware about this situation and he told me they suppose to removed that information from my report,
05/23/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 78240	Web
Original Creditor ( XXXX ) has reported that i owe XXXX for a phone that has already been paid off. on XX/XX/2023 i spoke with XXXX Rep XXXX where she stated on the call that she does in fact see where the phone has been paid off. when asked to send statement regarding the balance owed, she stated she would send them in mail. and i have yet to receive anything via mail nor email. the Current Creditor is Source Receivables Mangement ( XXXX ) XXXX
12/03/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30143	Web
This is XXXX XXXX who is submitting this CFPB complaint myself. I sent a letter to SOURCE RECEIVABLES MANAGEMENT the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means they have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THE ACCOUNT COMPLETELY FROM MY CREDIT REPORT : ( SOURCE RECVB XXXX )
11/04/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OH 43701	Web	Servicemember
Account name SOURCE RECEIVABLES MNGMN Account number XXXX Date opened XX/XX/2022 Status Collection account. {$3.00}, XXXX past due as of XX/XX/2022. Status updated XX/XX/2022 XXXX {$3400.00} XXXX updated XX/XX/2022 I have disputed this account numerous times. I did not open any account in XXXX of 2022. I have no recollection of this account. I have tried to contact them multiple times and they refuse to explain account or verify information.
04/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30349	Web
I Would like this XXXX item removed off my credit because the debt that is on my credit wasn't done by me. I have no knowledge of who attained my information. The information that is reporting on my credit is inaccurate and it need to be removed asap, i contacted XXXX was no help they couldn't do anything to better assist me. It indicates the account was opened XX/XX/2023 with out my knowledge. The the total sum I have to pay is {$1600.00}
10/04/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85019	Web
The company appeared on my credit as SOURCE RECEIVABLES M on XX/XX/2018 and I was not aware of any actions I could take to avoid them to report on my credit. I don't owe any debts to SOURCE RECEIVABLES M and I would like them to be removed from my credit report, so that I can be able to get lines of credit again. The amount that is owed on my credit report is XXXX. Thank you for all your time and support in assisting me with this dispute.
06/13/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CO 80003	Web
Hi, I was falsely tricked into setting up an account at XXXX by the employees. First off I was XXXX at the time of the account being opened. The workers told me that even though I wasn't 18 that they could work around it, and i'm most certain that they lied on the paper work to get me approved. I would appreciate it if you could look more into the case. The workers uploaded my ID at the time and I was XXXX so the time frames should match
07/22/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 78628	Web
On XX/XX/2021 I sent by certified mail a dispute to Source Receivables. The collection agency is claiming that I still owe money to sprint, but everything was paid. Since then, the collection agency keeps reporting a balance to the credit bureau but they haven't responded to me. On XX/XX/2021 I decided to dispute the same account with the credit bureaus, but as of today, I haven't gotten any responses from neither of the credit bureaus.
11/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ XXXXX	Web
XXXX has been non-compliant with removing the unverified account SOURCE RECEIVABLES MANAG which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that SOURCE RECEIVABLES MANAG was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
04/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 34476	Web
The company, Source Receivables Management, has provided an incorrect address that I have never lived at, to the credit reporting bureaus. I contacted the company to have the mistake corrected and they refused to take down the correct information and report it to the bureaus as is required by law. The company stated that it was the responsibility of the credit bureaus. The individual I spoke to would not take my corrected information.
10/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	KS 660XX	Web	Older American
3-4 different collection companies have tried to collect this debt of {$2300.00}, that is not mine. I have disputed it and filled out fraud reports to the previous collection companies. Now it is back again. It is from XXXX. I do have a XXXX account that is mine and that I pay every month. This fraudulent debt has been put on my Credit a few times in the past 3 years. And I dispute it, and it goes away but comes back. I pay my bills.
04/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30168	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
01/20/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TN 38134	Web
Source Receivables MNG is reporting inaccurately on my credit report. the open date is listed as XXXX/XXXX/XXXX. The original date was actually in XXXX. This debt has been re aged and according to FCRA Section 623 ( 5 ) ( A ) re-aging is an illegal act. The company can not provide any record of this debt on the date listed and i am requesting that it be removed from all of my reports for inaccurate and possibly fraudulent activity.
12/14/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CT 06770	Web	Older American
I receive a free XXXX phone. when I changed companies they told me that the phone is not free anymore because I changed companies. the reason I changed companies is because my bill was getting to expensive. They said I couldn't return the phone but I never got anymore information. I thought this was cleared up. now I am receiving this big bill amount. I am on Social Security so if you work with me on payments I could try to pay.
04/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30223	Web
I obtained a copy of my credit report in XXXX of 2022, I noticed inaccuracies and sent out disputes to said companies, it has now been 3 months and the debt has not been validated according to the FCRA, debt that is not verified or validated after 30 days is to removed from credit reports immediately. This company also calls me regularly for a debt that is not mine and it is at the point of harassment which I do not take lightly.
12/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	FL 337XX	Web
SourceRM is calling 2-3 times a week, after having set a date to pay this in full. However, each time they call, they are derogatory and insulting in how they speak. Between all these calls they are harassing me at work and at home. Ive called and spoke to the manager as well. Ive set a date to pay this in full, of which is only XXXX however, they keep harrasing me every week. I will be paying this in full on the XXXX of XXXX.
03/20/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 60108	Web
SOURCE RECEIVABLES MANAGEMENT is a fraudulent collection agency that is attempting to collect a debt from me which I do not owe. I have a XXXX account which was confirmed to be fraudulent and was removed from my credit report for year. This collection agency is attempting to collect a debt in which I do not owe. I asked them for an email address so I can send proof but they don't own an email address for me to send documents.
12/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91401	Web
I have never had and or signed a loan with either parties, i have never signed with my signature with this company of any loan and or any terms, the old ownership of the dealership no longer there to resolve issue, i am preparing a lawsuit for small claims court for violation of several fcra and fdcpa violations, i am giving company 30 days removal of item otherwise will proceed forward with lawsuit with damages caused to me.
03/19/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 620XX	Web
I received a notice to collect a debt from this company XX/XX/2021 and I sent debt validation letter on XX/XX/2021 asking for information regarding this debt. I sent another letter on XX/XX/2021 because I never received any communication except the letter that was mailed to me dated XX/XX/2021. I sent a letter requesting this debt to be removed as no communication was received from my second attempt to resolve this issue.
08/16/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 184XX	Web
I send a letter to on XX/XX/2022 asking Source Receivables Management to validate the debt they were reporting to my credit report. Then on XX/XX/2022 I sent anothe letter asking for some details regarding this account, I never received a response. Most recently I sent an additional letter on XX/XX/2022 warning them I will submit a dispute with you guys and asking to verify some information. Again my letter was ignored.
04/11/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OR 97132	Web
On XX/XX/2019, Source Receivables Management report on my XXXX, XXXX, and XXXX account for the amount of {$2100.00}. I have no knowledge of this account. I do not own this account. I attempted to contact and dispute this account in XXXX and it was not resolved. It has affected my credit and my payment history. I do not owe anything on this debt. I have no knowledge how this account was reported to my credit bureaus.
03/29/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43231	Web
I was never advised of the transfer of this debt. This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
04/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94603	Web	Servicemember
XXXX gave away equipment to someone without an identification. Then charged my account. I asked for surveillance video and they couldnt provide. At that time I was assured by a sprint executive that I wouldnt be charged. Now they have sold the debt to a new company and they damaged my credit report and put derogatory marks when this debt is not owed. The company name is source receivable management in XXXX NC
12/30/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48307	Web
XXXX XXXX, XXXX XXXX stole my identity. I had to file a police report - this is one of many items that I don't owe stolen by these two people. XXXX XXXX is wanted for breaking and entering other buildings, too. I previously filed a complaint with XXXX XXXX XXXXnd they failed to provide any identifying information. My email address is XXXX. There were three other companies that tried the same shenanigans.
04/26/2022	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	CO 802XX	Web
This was not sent in error ako ay isang consumer by law at ang information XXXX XXXX XXXX misused at XXXX I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report. Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
01/08/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 28120	Web
Source Receivables Management continues to update a previous debt that was already paid to the original debtor which was XXXX. I have not conducted any business with Source Receivables Management nor do I owe or have ever owed them any money. Source Receivables Management has the debt status " closed '' and it should not be on my credit report at all. Last update was on XX/XX/2020 this needs to be deleted.
08/02/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 15132	Web
I previously had a collections account successfully removed from my report due to it being a fraudulent account. Without any notice this same account was put back on to my credit with a different collector name. The only reason I was aware that this account was resubmitted onto my report is because I check it regularly via XXXX XXXX. I disputed the account but did n't have any luck with it being removed.
12/28/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MI 48307	Web
I found out about this collection due to surprise on my XXXX credit report. Source receivables never provided any notification about this alleged debt. The only notification was by my credit report. This has dragged my score down by approximately XXXX points. I do not have a XXXX account and have been a victim of identity theft. I don't owe anything to XXXX nor do I owe anything to Source Receivables.
08/05/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NY 10462	Web
I just paid for a copy of my credit reports and reviewed my credit file as being reported to Source Receivables MNG debt collection agency on behalf of XXXX. I was advise my XXXX representative that this debt collection agency will no longer report this account on my credit report moving forward. Please see the attached verified documents showing the payments made to XXXX to close out of this accounts.
07/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21234	Web
This is my second time disputing and submitting proof informing XXXX and their collection companies that this isnt my debt. Yet they keep placing it on my report. This has been going on for years at this point. It is bordeline harassment because as a XXXX mom my credit is my leverage and this is hurting my accounts. I would like this removed permanently. I have attached the same report from years ago.
03/14/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33405	Web
This dept was previously disputed on CFPB website on XXXX18. The original debt collector was XXXX XXXX XXXX, the debt was then removed from my XXXX credit report however, it was recently added back on to my XXXX Credit Report again from a NEW debt collector " Sourcerm ''. Sourcerm NEVER made any attempts to contact me. I only found out about it when I logged onto my XXXX XXXX account a few days ago.
03/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60651	Web
15 usc 1681 section 602 state i have the right to privacy. 15 usc 1681 section 604 A section 2 it also states a consumer on cant furnish an account without my written permission. 15 usc 1666B a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late purposes. In accordance with the fair credit reporting act XXXX account XXXX, has violated my rights
12/25/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 179XX	Web
First I received communications from Source RM at the wrong address. Second they have no right to collect this debt. 3d I am in the process of working out a payment plan to the company which the debt is owed to. 4th Along with 2 other collection agencies they are trying to collect this debt. 5th Source RM has report false and negative information on my credit report causing me financial hardship.
07/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 336XX	Web
I have sent this collections creditor two letters asking for full validation of the debt that they are trying to collect from me and reporting against me on the credit reports. I have a right to understand the charges being held against me. To date, I've yet to receive any answer, but yet they are allowed to be reporting against me on the credit report, whether the information is right or wrong.
06/18/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	PA 19082	Web
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
06/10/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	NC 27616	Web
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
10/15/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 76548	Web
Source Receivables states that I allegedly owe them. I have attempted to communicate with them in regards to this debt prior and they did not respond. I asked for them to validate the debt as well as to provide a contract with both parties ' wet ink signatures. They failed to provide this document and still are attempting to harm my consumer credit profile by reporting inaccurate information.
03/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92882	Web
TO WHOM THIS MAY CONCERN, YOUR COMPANY SAID I ALLEGEDLY OWE YOU MONEY. I WILL PAY UNDER ONE CONDITION IF YOU CAN PROVIDE : 1. VALIDATION OF THE DEBTTHAT IS, THE ACTUAL ACCOUNTING 2. VERIFICATION OF A SIGNED INVOICE 3. A COPY OF THE CONTRACT BINDING BOTH PARTIES, IN A LETTER BY CERTIFIED MAIL SO THAT THERE IS AN INDEPENDENT WITNESS HAVING TO IT BEEN DELIVERED. KIND REGARDS, XXXX XXXX XXXX
01/11/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MN 554XX	Web
Notified the company on XX/XX/XXXXthat some one had changed info in my account with out my permission and it was later notified to me it was management at the store. XXXXXX/XX/XXXX made contact and also onXX/XX/XXXX made contact thru XXXX chat with chat id # XXXX rep XXXX XXXX I had also made a complaint with the BBB and XXXX corp office contacted me and I 'm still seeing thid on my credit
11/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44128	Web
Source Receivables Management located at XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Has been trying to collect on 1 alleged collections that they have placed on my CONSUMER REPORT WITHOUT MY CONSENT. I have tried multiple times to get the off my consumer report and this is stopping me from getting any kind of funding to help support my family and this collection is causing household issues.
12/26/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76013	Web
The account was made under my identity without me knowing around XXXX. The account was closed by the person who opened the account in the first place around XXXX, without paying them the last billing amount. I did not authorize any of these actions at all and would like this to be resolved. I know the person who is responsible and would be willing to give their phone number and address
01/26/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 93637	Web
this account below is not mine. i am requesting this company to validate and confirm this debt is not mine, i would like this account removed from my credit report in 30 days or less. B SOURCE RECEIVABLES MNG XXXX Directory : XXXX XXXX XXXX XXXX {$2300.00} COLL {XXXX} 001 - {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT INFORMATION DISPUTED BY CONSUMER ; ORIGINAL CREDITOR : XXXX
04/28/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30228	Web	Servicemember
I have repeatedly had this debt removed, because I dont owe this company anything. They continue to place this item back on my credit and take it off each time I do this. Making this the fourth time its being removed. I received documentation stating that they have no record of me owing anything. I know for a fact I dont owe the debt. This continues to be an issue with this company.
09/07/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30043	Web
I have no knowledge of this debt. Im a young entrepreneur trying to build my credit. I need this removed from my credit because I'm trying to build my business. Credit is important to me and by this being removed it was greatly help out my score because i have no knowledge on what this collection is. I've contacted the collection agency to get this removed and nothing was solved.
01/27/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IA 503XX	Web
A few years ago i switched from XXXX to XXXX I paid the final bill and in fact kept the account open just in case i owed any amount of money I even contacted XXXX and told me that this collection was not true and that i Did Not owe XXXX any money I have told them several times about this I have also called XXXX I would like this company and this debt off of my credit record ASAP
03/04/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 37075	Web
I recently checked my credit and discovered that this company is reporting that I owe them a debt. To my knowledge I do n't recall this company ever providing me with a service nor do I remember me agreeing to pay them for said services. I never received any communication from this company prior to them placing it on my credit report. My rights under the FDCPA have been violated
08/26/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30038	Web
On XX/XX/2018, I was notified that Source Receivable Management was added to my credit report as a collections account for XXXX. I have never signed a contract with them and I am not liable to this debt. A validation letter was sent to Source Receivable Management on XX/XX/2018. It has more than 30 days and I have not received any validation paperwork in response to my letter.
08/12/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	OK 741XX	Web
This account keeps getting passed to mulitiple collection agency after I dispute the current agency. It gets deleted from my profile the put right back on by some other company. I 've never opened any accounts with anyone. I am requesting that the company provide proof that I opened this account and evidence that it was indeed owned by me. I know I did not open any accounts.
04/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	MA 02131	Web	Older American
I went through a terrible divorce, lost my home, had to file bankruptcy. XXXX was in that bankruptcy and was discharged. On XX/XX/2020, Source Receivables Management put this debt on my XXXX Credit Report. I believe they are a third party debt collector. As a result they brought my credit score way down. They also call my phone all the time. I no longer answer them. Help!
06/16/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MD 21157	Web
Today, a collection agency named Source Receivables reported a {$1900.00} collection account on my credit report. Prior to the appearance of this phantom collection, I received no notification from Source Receivables, much less my 30 day notice of my right to dispute. So based on that, Source Receivables has violated my rights under the Fair Debt Collection Practices Act.
04/10/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77489	Web
I owed XXXX a balance of {$290.00}. They sent it over to source receivables for collections. I went to XXXX on XX/XX/18 and the employee called corporate and they agreed to consolidate it and i pay half to have my services restored. I paid {$140.00} on XX/XX/18 and they restored my service. This debt is resolved and paid yet still on my credit report and I want it removed
11/07/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 223XX	Web
Source Receivables MNG at XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX this collections is not from original creditor. I don't owe Source Receivables MNG Account # XXXX I never heard of Source Receivables MNG. I never did a contract whit them. I collection has been reported as past due balance. I don't know this company. this company does not have a contract with my signature.
08/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	SC 29420	Web
Notarized letters were sent via USPS XX/XX/2023 to have account removed due to no knowledge of it to be removed. I have not supplied proof under the doctrine of estopped by silence, Engelhardt Gravens ( mo. ) 281SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. SOURCE RECEIVABLES MANAG : AMOUNT : {$320.00}
05/05/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11550	Web
I disputed this twice the answer they came back with was accurate and verified but who is verifying this? is isnt my debt i asked for discovery proof it is mine and yet no correspondence was sent in any event i no longer want to see who did this to me i want to see action against collection agency for violation of fcra requirements source recevables account number XXXX
02/11/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MI 48167	Web
SOURCE RECEIVABLES MNG Address XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Phone number ( XXXX ) XXXX This is the fifth company that XXXX has contacted to collect debts that are not valid. I have disputed four other collection company attempts successfully because they could not validate the debt because it does not exist because it was paid and it will stop here and now.
06/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48532	Web
Spoke with representative from XXXX advised that I needed to contact the collection agency. I called and talked to a representative who in turn gave me a fax number so I can submit the necessary documentation. I was incarcerated at the time the said account was opened as well as numerous inquiries were made at that time. I have submitted the necessary dicumentation
03/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 10562	Web	Servicemember
XXXX Phone and Account was initial bill. Service was terminated at time of merge with XXXX Paid for phone two times at {$80.00} to avoid debt collection. Spoke to XXXX and service bill was paid in full. I have tried everything to work with them and now another company, Source Receivables Management has come looking for the same money already paid to XXXX XXXX
10/04/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 11206	Web
SOURCE RECEIVABLES MNG is reporting negativity on my credit reports ( XXXX XXXX XXXX XXXX XXXX. This account was supposed to be deleted when it was paid. They 're still actively reporting as a current negative account. I need them to remove based on the agreement we had ... they said they would remove it when it was paid ... Please delete from my records ...
05/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29745	Web	Older American
I was a victim of identity theft. USDOJ has already convicted XXXX persons for it. In late XXXX I received a collection notice for a XXXX XXXX and contested it. On XX/XX/XXXX I received a letter from XXXX confirming the account was deemed fraud. Today I received a collection notice from another agency, Source Receivables Management, for the same account.
03/14/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 34116	Web
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
10/25/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32168	Web
Hello- Yes I have an account showing as negative on my credit that does not belong to me. I have contacted XXXX as well as the company itself. I have no knowledge of this account. Whenever I contacted the Creditor, they were unable to provide me with documentation for the amount that they are claiming is mine. {$1800.00}. I pay all of my bill on time.
04/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07103	Web
This Debt was credited to a collection agency ( SOURCE RECEIVABLES MNGMN ). After filing multiple police reports and reporting to FTC.Gov I got in contact with the original creditor ( XXXX ) and was told that this account was opened in 2019 while I was a minor. Ive been working extremely hard to resolve this issue and file as many reports as possible.
11/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75154	Web
Source Receivables MNG has placed a collection account on my consumer report. I do Not know who this company is. I have Never done business with this company. I have Never signed a contract with this company for anything. Nor, have I given permission verbally or writing to anyone to pass my information to this 3rd party company, that I never heard of.
03/14/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CA 90403	Web
XXXX of Source RM was horribly rude and refused to provide documentation about a XXXX debt. When I asked for him to send me proof of the XXXX debt, he shouted that I received one from XXXX, which I did not receive. He was very rude and unprofessional and refused to sent me proof. This make me that this is fraudulent since they are not providing proof.
07/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19050	Web
According to my XXXX Report the collection was open XXXX XXXX in the amount of {$1400.00} Source receivables Mng. The original creditor is XXXX. My identity was stolen and it prompted me to add an extra layer of protection on my credit file such as fraud alerts. Once I realized I contacted XXXX and also put in a fraud dispute for this collection.
01/02/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 33634	Web
This collection company is reporting this account that is not mine to the three credit companies XXXX, XXXX and XXXX. I call them and ask for documents and they don't send anything and they threaten to take me to court if I don't pay. That they take out that account of the three company of credit and if they want that they take me to the court.
06/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	TX 76133	Web	Older American, Servicemember
I talked to some from Source RM today XXXX he informed me that I would have to write a letter to XXXX if I want a copy of the contract with my signature that's on that contract the Original Creditor Acct # XXXX SRM Account # XXXX in the Amount of XXXX So I am asking them to provide the contract they sent me a payment opion plan with No contract
07/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33184	Web
PLEASE REMOVE THAT COLLECTION ACCOUNT FROM MY REPORT, SOURCE RECEIVABLES MANAGEMENT IS NOT ALLOWED TO COLLECT ANY MONEY IN XXXX. Source Receivables Management, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
12/18/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 460XX	Web
I have disputed this debt over and over again. It is not my debt. The debt is a result of ID theft. I have already filed a report on this with the ftc. I am continuing to be affected by this debt through my credit report and it has caused me a huge financial hardship. This debt needs to be validated with my signature and a proper verification.
05/03/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60005	Web	Servicemember
I get calls almost daily from Source RM, a debt collection company. I've tried to call them back to resolve it but they ask me for an account number. When I explain there's a mix-up and it's not my debt, I ask to speak to someone in management. I'm then placed on hold for a long time. I don't have any debt which is under a collections agency.
06/18/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OR 97060	Web
XXXX keeps switching creditors and adding an incorrect debt to my credit reporting. Its resulted in dropped scores and denied financing. When I attempt to resolve, its taken off my report for approximately 15 days or so and then readdressed to a different collection agency. Ive requested a 609 letter info and have yet to receive information.
01/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94605	Web	Servicemember
XXXX XXXXXXXX XXXX shows account opened XX/XX/XXXX. Not possible. haven't had account with original creditor XXXX since XXXX. Never owed a balance such as this, {$3600.00}. Maybe about XXXX. I could be victim of Identity Theft. I filed dispute with XXXX, and have currently done so with XXXX XXXX but that will be with their help negotiating.
04/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 245XX	Web
Hi, my name XXXX XXXX I recently submitted a complaint to XXXX about source receivables management which the collection doesn't belong to me and it is not mine. I have reached out to all 3 bureaus however, XXXX neglects to respond and leaves this debt collection that is invalid and I have had no business with this account on my report.
06/13/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 22015	Web
Source Receivables MNG is requesting payment for a XXXX account worth {$10000.00}. The collection was opened on XX/XX/2019. I disputed the charge on both XXXX and XXXX, but both didn't find identity heft. I called Source Receivables MNG and was told to fill out a fraud packet. I have never had a XXXX Account. My whole family uses XXXX.
07/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL XXXXX	Web
This company has not provided any information to me relating to the debt, I don't believe this is my debt I've already filed a dispute with all 3 reporting agencies, this debt does not belong to me I'm in no contract or debt with these companies and they are reporting it even after I have disputedit ... ..pleaseremove from my credit
08/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48532	Web
Was told in previous complaint no. XXXX that I needed to file a fraud dispute with XXXX. Well I completed the dispute got the response only for this account to be closed on my account and then reopened a day or two later. It was verified this account does not belong to me and it should be REMOVED.from all credit reporting agencies
07/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33184	Web
PLEASE REMOVE THAT COLLECTION ACCOUNT FROM MY REPORT, SOURCE RECEIVABLES MANAGEMENT IS NOT ALLOWED TO COLLECT ANY MONEY IN FLORIDA. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
03/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92584	Web
I was denied a loan and received a copy of my credit report. I realized I was a victim of identity theft so I contacted the police department. I disputed the information with the credit bureaus but they refuse to remove the items even though I have received letters from the creditors stating it was a mistake and will be removed.
08/30/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48036	Web
This company is coming after me repeatedly SOURCE RECEIVABLES MNGMN for XXXX for something I do not owe or have knowledge of this account on my correct just affected me moving as well. I disputed this account twice and was told this is accurate which in fact it is not!!!!! The amount is {$860.00}. I do not have XXXX account.
04/30/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 28540	Web
I didnt give anyone the right to share my information requested the company to send me something showing where I signed a contract for this service they have no right I have also send a letter to FCRA for violating my right also ask this company to validate information until then it needs to be removed from my credit report
08/09/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NJ 08057	Web
The account is appearing on my credit report, i have disputed this account more than once. Once it was removed it was put back on my file with a different name. Its causing damage to my credit profile and the debt doesnt belong to me. Source Receivables Management # XXXX Account owner : XXXX XXXX XXXX {$440.00} XXXX XXXX
01/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	AZ 85035	Web
I have been getting the run around from Source Receivables and XXXX. I have asked for contract or a itemization from Source Receivables they tell me to ask XXXX and neither one of them will give me what I'm asking for. This is not a hard request to complete. This is not a legiment account and needs to remove from my report.
08/15/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OH 44128	Web
This company is reporting my personal information to the consumer reporting agencies without my permission or consent. This company is alleging that I owe an alleged debt. I never done any business with this corporation. By this company using my personal information without my consent it is ruining me and my families life.
07/22/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	UT XXXXX	Web
I have disputed this account with Source Receivables, XXXX, XXXX, and XXXX 3 times. This account is not mine and I requested debt validation. The credit bureaus keep saying " verified '' while the company never responded to me or sent proof of the debt. This is still reporting on my credit illegally and should be removed.
12/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 207XX	Web
SOURCE RECVB has been on my credit report for sometime for {$110.00} I never knew to owe any company {$110.00}. This debt is said to come from sprint but its being reported as SOURCE RECVB. I do not owe them anything and I don't even know them. This is unacceptable I never gave consent for this to be on my credit report.
05/12/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	KY 402XX	Web
This happened sometime in 2016..the b alance is over {$2000.00} ... I had an account with XXXX ... I left XXXX , paid the balance and returned all equipment yet they are reporting a balance to XXXX ... I 've trie d to get this resolved through XXXX , XXXX and Source Receivables. I 've also mailed them proof.
11/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60411	Web
Hello, I have requested for deletion of this debt several times and have been denied several times. The information that was provided to me does not match my information. I am able to provide photo ID or my birth certificate to prove that the information is incorrect. Therefore it is not mine. I need this gone please.
06/02/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30241	Web
In accordance with the Fair Credit Reporting act XX/XX/XXXX account # has violated my rights. XXXX, 2021 - {$2300.00} 15 U.S.C 1681 section 602a states I have the right to privacy 15 U.S.C 1681 section 604a section 2 its also states a consumer reporting agency can not furnish an account without my written instructions
05/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 28205	Web
This account was originally placed on my credit report for equipment they said I didn't return, which was actually returned. I disputed it and it was removed. It was later added by another company, I disputed it and it was removed again. Now it is showing up under another company 's name. This is utterly ridiculous!
10/23/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34608	Web
I received a copy of my credit report and this company is reporting a XXXX debt that is not mine. I requested information as validation of debt and what they sent shows it's not mine. I have never lived in Maryland and that is what the Lessee Address shows. I don't even know were XXXX Maryland is. This is not mine.
10/13/2021	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	AZ 85021	Web
Source rm federal violated my consumer rights and they must pay me XXXX for 6 diffrent violations on my consumer rights They have received my affidavit of truth, cease and desist, and a invoice on this matter also questions that must be filled out completely and sent back to me with in 30 days. All certified mail.
10/31/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10011	Web
I have received repeated phone calls & a letter from Source Receivables Management in relation to a XXXX XXXX XXXX debt which I am wrongfully accused of not paying. While I do have a XXXX account, the account in reference ( under the name " XXXX XXXX XXXX XXXX is not one that belongs to me ( I am XXXX XXXX ) .
05/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76133	Web	Older American, Servicemember
I spoke with XXXX on XX/XX/2023 about account # XXXX with XXXX XXXX XXXX I ask her to send me the Original Debt Documents she informed me that she did not have them so I am asking that Source Receivables Manag remove it from my Credit it has no date of the Original date the Amount of the Debt is {$2400.00}
08/17/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 934XX	Web
Source Receivables has reported a fraudulent credit transaction in my name to XXXX and XXXX. They claim I have an unpaid balance of {$1200.00} to XXXX. I disputed this report to Source Receivables in XX/XX/XXXX. I have never had any account with XXXX. This account must have been generated by identify thief.
07/07/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 35126	Web
XXXX XXXX has reported another person phones and equipment to my account and billed me over XXXX. I have disputed this with them and chose not to bill the correct person and sell the account to debt collectors. This is the second debt collector to report this to this to my credit when this is not my bill.
10/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 075XX	Web
I have asked this company to produce documentation such as a contract between myself & the company stating that I owe them a debt, and to show me what legal right they have to harass me to and calling me all day. They have failed to provide such information after three instances of communication via usps.
01/02/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10453	Web
No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
08/21/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 77450	Web
The XXXX account was removed from my credit file. The company Source Receivables Management has reinserted the the account back to my credit file with a new open date. Which is a violation. Also i am supposed to be giving a 5 day notice which i was not giving which a direct violation of the FCR law
11/29/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 641XX	Web
Ownership of my account was transferred XX/XX/XXXX. Per our agreement with XXXX and according to their Change of Ownership Contract all balances must be paid prior to transferring ownership of an account. I was wrongfully charged from XX/XX/XXXX- to XX/XX/XXXX for an account that was closed.
07/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	WI XXXXX	Web
I have a loan with SOURCE RECEIVABLES MNG. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and SOURCE RECEIVABLES MNG with no successful resolution. There was definitely an error on their part.
08/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19144	Web
I sent a request to Source Receivables Management to provide proof of the collection bill they sent me for {$1200.00} with an itemized breakdown of how they came to this amount, and they failed to do so. This bill is negatively affecting and my life and credit, and it needs to be removed.
09/07/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 91306	Web
They keep reporting that I owe them but I dont even know who this credit company is at all so why would I pay for something I never got at all so they said my credit will go down and won't be able to ever get anything and that is really hurting my credit to even try to get a car any where
02/12/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 32714	Web
Hello, you all removed Source Receivables management from my XXXX report a few weeks ago successfully. this account is still reporting on my XXXX report. If you can get this removed. I would gladly Appreciate it. this account was deleted and later purchased by another Collection agency.
03/17/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NJ 07666	Web
The collection company claims I owe {$760.00} to XXXX for damaged phones returned by mail. Tracking # 's attached. They were not damaged when I sent them. No one reached out to let me know they were received damaged and I owe money. If they were, please provide proof they were damaged.
01/18/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NV 89084	Web	Servicemember
I went to another phone company, i made planes to pay XXXX in increments to collect the remaining balances to the phones but they wanted the whole amount that I did not have. they sold my account to another company and now that want the full XXXX without wanting to get a payment plan.
09/18/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30043	Web
Hello my name is XXXX XXXX i'm a young entrepreneur trying to build my business, and credit is very important for my business to grow and this debt is hindering the growth. I have no knowledge of this debt and i have reached out to this agency and this debt still hasn't been removed.
03/27/2018	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	AR 72076	Web
I told the company that I dont owe them and that they should stop harassing and calling me four times a day. I do not Owe the any money. and they should leave me alone. they got rude and started cursing and I hung up. They called right back several times. I dont owe any Debt to them.
11/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34667	Web
First I never received anything in the mail, only saw this collection reporting on my credit file which is NOT accurate. I turned in all the phones that were leased when my agreement was up. I do not owe XXXX anything. This is inaccurate. See attached receipts showing I turned in.
08/27/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32953	Web
Credit reporting laws ensure that bureaus report only 100 % accurate credit information, and every step must be taken to assure the information reported is completely accurate and correct. Please refer to my previous letter for the information that needs to be re-investigated.
11/11/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28078	Web
My Identity Information has previously been compromised and used to open several accounts and Inquiries without my permission. These are just some of the accounts that were opened that I do n't recognize. Source Receivables Management/ XXXX Date Opened XXXX XXXX, 2017 {$220.00}
03/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60827	Web
I have been trying to get this Collection off my credit report for months. I have sent in 5 disputes and nothing is being done. I have sent in proof that I myself are submitting the request to have this removed. I have filled for a full file disclosure and never received it.
12/20/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	VA 241XX	Web
XXXX keeps passing the account around to different collection agencys with a XXXX dollar amount when I have a voice mail stating I owe XXXX which I dont I closed the account and XXXX left it open after I called and canceled my account. I am not responsible for XXXX mistakes!
08/27/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 441XX	Web
I have submitted multiple letters to this company to validate this debt that they say i owe. This company has not submitted the proper documentation to support that this debt belongs to me. They have not provided the proper paperwork with my signature on it to validate debt.
11/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89436	Web
SOURCE RECEIVABLES MNG at XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX sending me a collection notice for the amount of {$4100.00} account XXXX XXXX I Don't know this company. I've never had any business with this company. This company doesn't have any contract with my signature.
07/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MO 630XX	Web	Servicemember
This account was already disputed and removed once. It has been illegally bought and re-reported. The account was never updated upon leaving sprint and becoming an XXXX customer. They tried to charge us for a phone that was already paid off under the terms of the contract.
09/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 34135	Web
XXXX waived debt due to moving in regards to COVID-19 and they refused to take back equipment when offered so debt is not valid. The collection company intentionally broke their website to make it harder for me to dispute debt within 30-days. XXXX XXXX XXXX XXXX XXXX
08/23/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30032	Web
This company has put a debt on my credit report that doesn't belong to me, how can I owe this debit when another company outside of this company is trying to collect from me as well on the same debit. this is very frustrating as this is hindering me from getting credit.
03/30/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19150	Web
After submitting a police report showing clearly that the account was not mine and my information was compromised on the dark web, they reinserted the exact same negative information on my credit report cause me problem with my personal life and business expansion.
01/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 92532	Web
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
03/11/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07032	Web
A debit company ( SOURCE RECEIVABLES MANAGEM ) report a debit for {$850.00} dollars to the credit agencys. according to them the original creditor is XXXX I told them over the phone that account doesn't belong to me. They refused to removed from my credit report.
10/21/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	OH 433XX	Web
They call and then call agin with different phone numbers. Sometimes same person calling, other times its different people and numbers. But asking same questions. Ive told them numerous of time to stop calling me and to take me off call list. This is not my debt.
07/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 109XX	Web
I paid Source Receivables Management {$250.00} on XX/XX/2019 for an outstanding XXXX Bill and I was told that it would be deleted off of my account. My credit report reflects as paid but is still being shown on my account as an account with a negative pay status.
12/03/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30228	Web
This company is reporting twice on my credit report and I do not have a contract with this company. They 2 separate dates listed on my credit report. One is XXXX XXXX and XXXX XXXX. I do not owe this company money as I do not have a contract with this company
10/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95834	Web
This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.
05/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28376	Web
I HAVE DISPUTED THE ACCOUNT AS FRAUDULENT AND I MAILED ALL DOCUMENTS TO XXXX, AND THE ACCOUNT IS NOT MINE I NEVER HAD XXXX SERVICE, AND I AM ASKING FOR IMMEDIATE DELETION OF THIS ACCOUNT SOURCE RECEIVABLES MANAGEMENT PARTIAL ACCOUNT # XXXX BALANCE {$2400.00}
03/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 761XX	Web
I have contacted source receivables management on numerous occassions over the past six months requesting validation of debt with a contract bearing my signature for this inaccurate account. I have not gotten anything back in writing validating this account
07/03/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77035	Web
Source Receivables MNG XX/XX/2019 {$2.00}, XXXX I do not recognize this debt. This account looks like it may have been included in my claims against identity theft. This creditor has been notified and challenged on this. Yet has yet to remove this debt.
09/28/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30238	Web
I have paid full amount of debt in the amount of {$460.00} on XX/XX/2020. I was promised that when debt is paid in FULL, no settlement amount, this collection would be removed all 3 credit reports. I have sent letters and gotten no response or results.
01/07/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	GA 30291	Web	Servicemember
calls received and unknown or unrelated to the person they intend on reaching, I calmly asked to not call and remove me from calling list and call persist. very rude and nasty even when told not to contact my wife again that they had the wrong person.
09/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 773XX	Web
Debt Collector attempting to collect debt not owed to the company. I have attempted to contact the company via phone, letter and still refuse to remove debt. This company is stating I owe {$3400.00}. This account was fraudulently opened under my name.
12/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 480XX	Web
Source Receivables Mng violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
10/13/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	WA 98115	Web
I had paid XXXX {$970.00} then another {$540.00}, and within a Month claimed I owed them {$1100.00} plus ... every time I would call or stop by XXXX store, they would tell me they can't take care of this problem here, you need to contact Corporate!!
04/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 20879	Web
XXXX and XXXX XXXX is reporting derogatory marks on credit reports. On XX/XX/2018 I sent full payment for the balance of my pass due accounts to : Source Receivable Management in the amount of {$380.00} and XXXX XXXX XXXX in the amount of {$110.00}.
10/30/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	NY 11743	Web
Collection agency making harassing phone calls to my fathers home about debt I owed, I don't live at his house and have not lived there in 12 years. He sent a letter stating this and they are now sending letters in his name saying I owe this money.
10/26/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91387	Web	Servicemember
I have account on my credit report that doesnt belong to me I disputed with credit bureaus and XXXX sent me a notification in the mail with someone elses name on it. Sent validation letter received nothing but a bill with someone elses name on it
06/10/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60639	Web
When i left from XXXX i sent all 3 devices back aith a tracking number. They confirmed that they received them, i paid my last bill and they said my balance is XXXX. After 2 years or more i got a letter from a debt collector for over {$1100.00}.
07/13/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 33068	Web
Repeated phone calls from XXXX, XXXX, XXXX. All from the same organization. Calls are coming in before XXXX. When I asked that what ever this is regarding that they send a written correspondence, I was told they do n't have to and hung up on me.
11/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02122	Web
This is an incomplete report because all of the important information are missing, like the date of last payment, past due, credit limit, terms and monthly payment. Also since this is in collection as they claim, there shouldn't be a balance.
11/25/2023	Yes	Debt collection Rental debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	NY 14228	Web
We have received the derogatory public record of credit collection. Our credit is damaged by the bill that is in the disputed state. We have requested to put the bill in dispute state but the collection agency did not follow the regulations.
01/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 20176	Web
XXXX failed to close cellular account and did not credit my returned devices stating I owed XXXX and sent to source receivables for collection. disputed with credit reporting agencies XXXX, XXXX, XXXX and they failed to investigate dispute.
09/17/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 95121	Web
I have never used XXXX and i received a payment collection from Source RM for {$370.00}. I called XXXX and there is no active account under my name.I am suspecting this could be a result of my identity theft happened on XX/XX/2018 2018
11/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	VA 23464	Web	Servicemember
XXXX used to call me about phone service I 've never had. I have been with XXXX since XXXX and still am. The account on my credit report says that the XXXX account was opened XXXX XXXX which is n't true because I 've always been with XXXX
02/04/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MD 21228	Web
Requested proof of debt with certified mail, was never received. Falsely reporting account as opened XX/XX/2017 which is in clear violation the FCRA. Never notified of this fraudulent account. Request this account be immediately removed.
09/22/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 773XX	Web
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification- description of reinvestigation procedure. This account was opened fraudulently.
10/02/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 19120	Web
On XX/XX/2021 I sent a letter to SOURCE RECEIVABLES MANAGEMENT. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
05/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77036	Web
This account had no record that ever belonged to me with these authorities/leasers. I tried to contact them and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.
07/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TN 376XX	Web
Source Receivables Management - XXXX, NC continues to try and collect a debt that was bought from XXXX that falls under my XXXX XXXX filing. I have sent documents that show when they were sent the court order to cease and desist.
03/28/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48221	Web
I have a debt collection reporting on my credit that is not mines. This debt originated from a utility bill through XXXX in which I have never had services with them. This information appears to be frivolous due to potential fraud.
02/20/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MO 63114	Web
Ive reached out to the company via the bureaus requesting validation of the accused debt. The company have not responded to my request of validation and is currently reporting inaccurate information and debt amounts on my reports.
08/13/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MO 631XX	Web
Disputed with the company XX/XX/18. It is now XX/XX/18 and I've yet to hear back from the company. The FCRA gives the company 30 days to respond and I've yet to receive a response months later. The company was Source Receivables.
04/15/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MD 20735	Web
Received a notification of a possible debt on XX/XX/2021. Responded to company on XX/XX/2021 requesting debt validation ( letter was sent certified ). Company continues to call and has not responded to debt validation request.
12/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 07103	Web
The credit bureaus reporting false information. I been disputing this for months. And if taking longer than 30 days to get a response. It keep coming back verified. This is false information I never did any business with XXXX.
05/13/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	VA 23322	Web
This company has called multiple times but refused to talk to anyone unless we verify information. Stop calling any of our numbers unless you are going to actually talk, I 'm not giving my information to someone I do not know.
08/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 326XX	Web
To whom it may concern I am trying to buy a house and I noticed some damaging information on my credit file. According to the 15 USC 1681 law there should not be any damages on my report, this is a defamation to my character.
05/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33407	Web
Ive disputed source receivables management multiple times on my credit report. The keep reporting that I have a XXXX account and I do not. I have requested proof showing the debt was mines and I havent received any response.
08/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL XXXXX	Web
This is not my debt I have never had an account with XXXXperiod. Take this off my credit you can not prove this is my debt because it's not mine please remove or I will have to contact the state attorney office and my lawyer
03/17/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 22191	Web
Company : 11 XXXX and Source Reviewable Management Debt : {$400.00} Violation : This debt is no longer my obligation under federal law18 USC 8. The company XXXX has forwarded this debt to a debt collector without my consent.
01/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29485	Web
1. Completed a police report on XX/XX/2022 2. Sent a letter certified mail to XXXX XXXX on XX/XX/2022 and XX/XX/2022 for validation of the debit and got no response 3. Active fraud alert is on file with all XXXX bureau 's
09/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60411	Web
There is a company that says i have had an account with them since XX/XX/2023 and owe them {$660.00} and I have no idea what it is. I never do anything with my credit so i know i should not have any debt on my profile.
05/11/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 604XX	Web
I do not have any type of contract with this company. I have tried to reach out to source receivables multiple times about this issue. Proper Validation has not been provided and several FCRA violations have been made.
09/24/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 622XX	Web
XXXX is collecting asking for far more than what is owed and I have no recollection or proof of any of these fees incurred. This is bad for my credit I am trying to purchase a home and the company is being difficult.
11/24/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web
I contacted this collections agency back in XXXX regarding the validity of this account. According to my FCRA rights, the company has 30 days to verify debt or it must be deleted. I have never received validation.
06/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77089	Web
MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY INFORMATION TO OPEN THIS FRAUDULENT ACCOUNT IN MY NAME : XXXX OPENED : XX/XX/2020 XXXX. XXXX I HAVE ENCLOSED MY POLICE REPORT, ID AND SOCIAL.
06/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 11003	Web
I paid off a XXXX account with sources receivable management in XXXX, they have not reported my accounts since XX/XX/2020. Called four times still no response as to when they are going to report accurately.
12/05/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 023XX	Web
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
07/21/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 02072	Web
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
03/04/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	RI 02860	Web
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
06/04/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 19142	Web
have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
08/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NV 89178	Web
Please be advised I sent a letter over 45 days ago without a response as per the FRCA. I know the credit bureaus are required to report in a timely manner or they must delete the erroneous items by law.
11/29/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77550	Web
This company is reporting inaccurate information on my credit report. I have contacted them by mail twice with no response after 30 days Source Receivables Management XXXX XXXX XXXX North Carolina XXXX
02/07/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60707	Web
I closed the account with XXXX last year and was given a pay off and then made the final payment in XXXX installments with the final payment paid last XXXX. This account should be clear of any charges.
08/07/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NV 89148	Web
i have tried to explain the account is not mine and that the phones was traded to XXXX for a promotion to buy the phones and pay off the fee to cancel phone service. The balance is XXXX responsibility.
07/22/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MS 395XX	Web
on XX/XX/2021, i sent a letter to SOURCE RECEIVABLES MANAGEMENT for a alleged balance of {$1300.00} that i do not owe.i never did business with them and dont know why its reporting on my credit report.
05/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20746	Web	Servicemember
A XXXX collection is showing up on my credit report. I don't have a XXXX account. I have had the same phone number for over 20 years. My current phone carrier is XXXX XXXX and before that it was XXXX
02/28/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 33071	Web	Servicemember
I have contacted all three credit bureaus about this debt, I signed up for XXXX and the amount was to high so I signed up for another service. I believe I was over charged the the service did not use.
08/23/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 18914	Web
I have told company several times that there service did not work in my area. I was willing to return devices and terminate service as phones did not work properly in my area. Phones were returned.
08/21/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MO 63135	Web
on XX/XX/2022 i sent over a letter to Source Receivables Management. they was saying i own them ( XXXX ). i haven't received anything back in writing. as of XX/XX/XXXX they put it on my credit.
05/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60621	Web
per phone conversation with this company they agrred to remove the collection from my credit report after my account was paid off.they have not done so an have violated my rights as a consumer.
06/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 01453	Web
Requested documentations to verify allege debt and were not able to deliver all Requested documentations under the law so XXXX days has passed and they haven't delete the file from credit file
06/11/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60639	Web
I never signed the documents that they are claiming I did. My signature is not to be seen anywhere on those contracts. Just a letter B handwritten. Someone else opened the account fraudulently
07/01/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	VA 201XX	Web
SOURCE RECEIVABLES MNG has flagged your account as Collections on XX/XX/2023. I have NEVER had an account with XXXX XXXX in my life. this needs to be remove from my credit report IMMEDIATELY.
04/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CT 06511	Web
I called them To settled to pay a lower amount with the collection agency & they agreed to remove & mark my account paid in full. They lied its still shown on my credit reports in collections
07/14/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 10455	Web
The collection agency told me if I paid XXXX this would resolve my XXXX account as paid in full. I paid the money they removed it for a year now it's back with another company with demands.
04/08/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33155	Web
THIS ACCOUNT WAS A RESULT OF IDENTITY THEFT DUE TO AN XXXX CREDIT BREECH .After submitted documents to sprint they continue to report this fraud account and sell it to collection agencies.
08/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IN 46268	Web
This company was unable to provide proof of documentation between myself and their company. I do not know them nor do I owe them any money. My rights have been violated under FCRA laws.
07/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48532	Web
Was told I needed to send in full acct number or social security number because the account could not be found this is per complaint number XXXX. Social security card has been uploaded.
08/29/2023	Yes	Debt collection Telecommunications debt	Communication tactics Frequent or repeated calls	MI 48228	Web
XXXX amount {$810.00} they put on my XXXX XXXX XXXX XXXX credit report I reach out to them as well & put in writing for the same information & please remove them from my credit report
06/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10467	Web
Debt collector is trying to obtain a payment on XXXX bill that does not belong to me. The account was opened on 2019 however I have been with the same cellphone provider for 7 years.
01/20/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 206XX	Web
The amont that is posted is not my wrong doing and Ive been cancelled the account when its was at XXXX and stated that I could pay the amount at the moment too avoid this problem!
03/04/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 020XX	Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
05/18/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60626	Web
THIS COMPANY IS FORIEGN TO ME AND DO NOT HAVE A CONTRACT WITH THIS COMPANY, ..THEY DO NOT HAVE PERMISSION TO DECIMINATE MY PERSONAL INFORMATION AND IS IN VIOLATION OF FDCPA LAWS.
02/19/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30093	Web
On XX/XX/2019 I called and spoke with a Very Rude employee who just kept over talking me and claiming i owed XXXX for a Cell Phone. I ask them to send me proof and they will not
06/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN XXXXX	Web
The account in question is not as a result of me, it was opened as a result of Identity Theft attached is the report, letter addressed to you guys, and a notice to furnishers.
07/25/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76549	Web	Servicemember
I reached out to source reveivable management XXXX XXXX informing them they are reporting an invalid account. I do not owe on this account and do not have a contract with them
10/31/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	GA 30314	Web
SOURCE RECEIVABLES HAS VIOLATED USC 1681A1AI BY NOT RESPONDING IN 30 DAYS TO MY DEBT VALIDATION LETTER THER RECEIVED ON XX/XX/2023 TRACKING # XXXX XXXX XXXX XXXX XXXX XXXX
11/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30339	Web
This account was fraudulently opened and maintained. I've contacted the company and communicated that. But they keep calling and threatening to place it in collections.
07/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32218	Web
1. XXXX XXXX XXXX, Account # XXXX, Amt $ XXXX-XXXX out in Texas and I never was in Texas and I live in Florida. They also are harassing me 2. XXXX XXXX-Account # XXXX
12/26/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 452XX	Web
Someone bought phone on my XXXX that was not me. Company has been notified and continue to do nothing. Charge is fraudulent and will file report with attorney general
12/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI 48038	Web	Servicemember
XXXX is falsely reporting on my credit bureau reports. When they havent been doing so since day one. Which is in violation of the fair debt credit reporting act.
11/12/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NM 88012	Web
SOURCE RECEIVABLES MANAGEMENT, is attempting to collect a debt for XXXX that has been paid in full. This is reporting as a derogatory mark on my credit reports.
03/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 43615	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
03/09/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 95628	Web
I have never signed an agreement that i understand there to be a debt with you. Therefore there is no debt and fraud is close too the actions you are taking
04/29/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA XXXXX	Web	Servicemember
This account was paid off weeks ago directly to XXXX as a result of inconsistent service and equipment issues! A certified letter was sent to them as well.
04/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NY 11210	Web
I have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and i haven't received investigation results.
05/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60619	Web
I have no written or verbal commitment with this company. I request validation 2 or 3 times can not provide proof of this debt they claiming I owe them.
01/31/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 95757	Web
When I transferred from XXXX to XXXX I was not under contract and there was no balance owed. I filed a dispute on XX/XX/2020 with XXXX with no luck.
07/14/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78207	Web
There are phones added to my account that I did not authorize. I have called XXXX on several occasions to fix the problem but XXXX failed to comply.
05/26/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NC 27513	Web
Source Receivables just reported a collection account on my report. Prior to reporting it, they did n't send me a notice of right to dispute.
09/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75206	Web	Servicemember
I do not to consent to authorize nor benefit from the listed accounts and inquiries on my consumer report. Please see the attached documents.
01/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31021	Web
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.
11/07/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29209	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
10/27/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	FL 33068	Web
Ive noticed a collection that doesnt belong to me on my report and already disputed with company who failed to correct the inaccuracies.
02/25/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	GA 30236	Web
I keep getting phone calls for this debt after I told them I have no knowledge of this debt, still requesting money from me and calling
09/12/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33614	Web
I did not receive any notifications from this company or the right to dispute this false claim. I DO NOT OWE XXXX ANYTHING. Please help
05/07/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90221	Web
ID FRAUD VICTIM. FRADULENT APPLICATIONS HAVE BEEN USED TO GAIN CREDIT AND OTHER ACCOUNTS IN MY NAME. FILLED XX/XX/XXXX FOR SEVEN YEARS
06/24/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32208	Web
I already paid this debt off directly with XXXX back in XX/XX/2022. I am not quite sure why they sold it to you. Amount : {$780.00}
07/15/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28212	Web
My identity was stolen and this account was included in accounts open up using my business information and my social security number
07/02/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	AZ 85225	Web	Servicemember
I have no contract with source receivables management. I don't know who they are. Im not paying for something i didnt agree to pay.
03/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 07666	Web
XXXX says I owe them {$760.00} for some cell phones. I returned the cellphones to XXXX, by mail. I have the tracking receipts.
05/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA XXXXX	Web
XXXX XXXX XXXX and XXXX. I had a representative payee, which was paying on for me, then he decided to stop making payments
04/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30096	Web
My information was exposed to the XXXX data breach and got into the wrong hands remove this fraudulent account immediately
11/22/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30122	Web	Servicemember
I am a victim of identity theft Ive been locked out my accounts impersonated and they obtained loans and homes in my name.
08/22/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27616	Web
Get a call from Source Rec mngt everyday Im not sure whats its about but I looked it up and it is about debt I dont know.
07/31/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30340	Web
I paid a debt owed of {$280.00} however its still reporting negative on my credit report. Debt has already been paid
03/24/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32835	Web
This account was fraudulent and never opened by me. It was removed once before and now purchased by XXXX XXXX XXXX.
06/07/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90015	Web
I was a victim of identity theft and as a result an account was opened up with XXXX with my personal information.
07/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 95687	Web
Company agreed to delete after paying settlement in full and have not done so only updated to paid in full.
04/11/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 32714	Web
I need this Settled account removed off all 3 credit reports. this account has caused me alot of problems.
09/23/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 93230	Web
This account was paid in full last year and it was sent to collections even after i settled the account.
04/19/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	WY 829XX	Web
i have told them numerous times to stop calling me but they dont they just call from a different number
02/13/2023	Yes	Debt collection I do not know	Communication tactics Called before 8am or after 9pm	NJ 07087	Web
Company continually calls from different numbers and sometimes early morning hours and on weekends
09/06/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AL 35215	Web
i have reached out to debt collector, and no response. I have sent letters to verify the debt.
09/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NV 89106	Web
Company has been unresponsive in my pursuit of the reconciliation of this fraudulent debt
04/21/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 92376	Web
XXXX claims there was a account opened on XXXX XXXX, 2020, these accusations are false.
04/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	SC 29360	Web
I have asked for sign documents showing that I agree for them to do a service for me.
04/22/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 328XX	Web
XX/XX/2018 XXXX I've tried sending documents this debt is because of identity theft
09/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77034	Web
Company XXXX XXXX is over charged a bill with rules no in the contract for 2 years
05/28/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77070	Web
XXXX IS REPORTING FTC VIOLATIONS STATED : XXXX/SOURCE RECEIVABLES M {$1100.00}
02/09/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 19151	Web
Amount was paid in full in 2014 but still appear on credit report plz remove
11/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WI 53213	Web
Account and amount owed isnt mine and doesn't belong reporting on my credit
07/09/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MA 01453	Web
Documents they provided does not include my signature its not my account
07/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	WI 530XX	Web
XXXX XXXX and XXXX XXXX reported late payments when they were XXXX XXXX
05/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77057	Web
Reported a debt that is not mine to all XXXX credit reporting companies
01/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WI 53212	Web
This is not my debt, debt company has not provided proof of this debt
03/05/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 144XX	Web
This debit was paid however is has been on my credit for 3 years now.
07/29/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32824	Web
On XX/XX/2019 I pay off and resolved the account in full with XXXX.
03/28/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 325XX	Web	Servicemember
Collection of a debt in someone elses name and violations of FCRA.
04/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	IL 60621	Web
accounts paid but never left my credit report as well as outdated
02/16/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 76131	Web	Servicemember
Source Receivables Management {$830.00} Last date was XX/XX/2021
03/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27893	Web
Incorrect information. I notified them and they did not remove
05/28/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 45805	Web
I don't ole this. They got my name spelled wrong and all
05/04/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 34207	Web
Did verify debt according to the fair credit act
12/14/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11412	Web
{$1900.00} is reporting on my credit profile
04/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60137	Web
XXXX is not owed
01/31/2024	Yes	Debt collection Telecommunications debt	Written notification about debt Didn't receive enough information to verify debt	TX 77433	Web	Older American

01/25/2024	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	MD 20878	Web

01/24/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27526	Web	Servicemember

01/24/2024	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	IL 60409	Web

01/22/2024	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	MA 01757	Web	Servicemember

01/22/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60455	Web

01/20/2024	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	FL 33133	Web

01/17/2024	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	NV 89031	Web

01/16/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43054	Web

01/09/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30157	Web

01/04/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	MT 59101	Web

12/28/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28376	Web

12/26/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IA XXXXX	Web

12/26/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IL 60634	Web

12/24/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NC 282XX	Web

12/17/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CO 80910	Web

12/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75235	Web

12/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20902	Web

12/07/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	NY 10460	Web

12/07/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	AZ 85719	Web

11/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33916	Web

11/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 18042	Web

11/24/2023	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92020	Web

11/22/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77328	Web

11/22/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 773XX	Web

11/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77493	Web

11/20/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was paid	AZ 85022	Web

11/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20902	Web

11/10/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	KY 40165	Web

11/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33634	Web

11/01/2023	Yes	Debt collection Telecommunications debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30045	Web

11/01/2023	Yes	Debt collection Telecommunications debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30045	Web

10/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77328	Web

10/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33015	Web

10/25/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29229	Web

10/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 64093	Web

10/21/2023	Yes	Debt collection Telecommunications debt	Communication tactics Frequent or repeated calls	NY 11432	Web

10/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX XXXXX	Web

10/17/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70777	Web

10/11/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	CT 06905	Phone

10/04/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 62220	Web

10/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX XXXXX	Web

10/02/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48167	Web

09/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33060	Web

09/28/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 07410	Web

09/26/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	VA 22172	Web

09/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 15131	Web

09/25/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was paid	CT 06905	Phone

09/22/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 11413	Web

09/18/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NC 27704	Web

09/15/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AZ 85249	Web

09/15/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77328	Web

09/13/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 20785	Web

09/12/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	SC 29485	Web

09/11/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	MA 01030	Web

09/11/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19143	Phone

09/10/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43017	Web

09/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	AL 35111	Web

08/31/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	WA 98002	Web

08/28/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30012	Web

08/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 62702	Web

08/27/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	GA 30012	Web

08/25/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33147	Web

08/25/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IL 60064	Web

08/24/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	CO 80906	Web	Older American, Servicemember

08/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AR 72118	Web

08/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77450	Web

08/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33445	Web

08/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 94605	Web

08/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 70791	Web

08/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 70791	Web

08/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75032	Web

08/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90250	Web

08/14/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MN 55106	Web

08/12/2023	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	FL 33852	Web

08/11/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 10029	Web Referral

08/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 44102	Phone

08/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48167	Web

08/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30127	Web

08/08/2023	Yes	Credit card or prepaid card Store credit card	Closing your account Can't close your account	TX 75243	Web

08/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NE 68134	Web

08/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33647	Web

08/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32127	Web

08/02/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MS 39773	Web

08/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 76544	Web

08/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MN 55106	Web

07/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60619	Web

07/28/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 91356	Web

07/26/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33647	Web

07/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07112	Web

07/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89084	Web

07/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 24016	Web

07/15/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32608	Web

07/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 38821	Web

07/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 21221	Web

07/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AR 72704	Web

07/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60585	Web

07/09/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MA 01453	Web

07/07/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60585	Web

07/04/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	LA 71270	Web

07/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75056	Web

06/30/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 71107	Web

06/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30047	Web

06/27/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AL 35816	Web

06/25/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NE 68111	Web

06/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07302	Web

06/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21239	Web

06/22/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75072	Web	Servicemember

06/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33573	Web

06/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60624	Phone

06/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30060	Web

06/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MA 01104	Web

06/12/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NE 68111	Web

06/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 15108	Web

06/11/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	DE 19720	Web

06/09/2023	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	CT 06905	Phone

06/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	CA 92262	Phone

06/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27616	Web	Servicemember

06/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91977	Web

06/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91602	Web

06/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32176	Web	Servicemember

05/31/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33610	Web

05/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28227	Web

05/25/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC 28144	Web

05/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NY 10467	Web

05/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AL 361XX	Web

05/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60661	Web

05/15/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 27534	Web	Servicemember

05/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75115	Web

05/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91316	Web

05/12/2023	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	AZ 85143	Web

05/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48092	Web

05/10/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33063	Web

05/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33012	Web

05/09/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33161	Web

05/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 61802	Phone

05/08/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MO 63135	Web

05/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94560	Web

05/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11003	Web

05/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32609	Web

05/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33012	Web

05/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KY 40223	Web

05/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90250	Web

04/27/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33573	Web

04/27/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CT 06614	Web

04/27/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77027	Web

04/27/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85020	Web

04/27/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76022	Web

04/26/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30016	Web

04/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78245	Web	Servicemember

04/24/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19104	Web

04/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 14864	Web

04/22/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 15206	Web

04/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 91913	Web

04/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TN 37087	Web

04/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 38671	Web

04/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77027	Web

04/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33415	Web

04/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70114	Web

04/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70726	Web

04/14/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77027	Web

04/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PA 18324	Web

04/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10010	Web

04/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70056	Web

04/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	AL 36804	Web

04/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60619	Web

04/07/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 11422	Web

04/05/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI 48212	Web

04/04/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33025	Web

04/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77077	Web

03/31/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 14094	Web

03/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60025	Web

03/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30038	Web

03/27/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	TX 77459	Web

03/23/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IN 46250	Web

03/22/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70114	Web

03/21/2023	Yes	Debt collection Other debt	Communication tactics Called before 8am or after 9pm	OR 97760	Web	Servicemember

03/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77096	Web

03/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29708	Web

03/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CT 06614	Web

03/14/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NV 89166	Web	Servicemember

03/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30038	Web

03/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AL 35085	Web

03/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32792	Web

03/06/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MI 48034	Web

03/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11221	Web

02/28/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 30236	Web

02/22/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34471	Web

02/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Excessive fees	IN 46229	Web

02/16/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	UT 84302	Phone

02/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33024	Web

02/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32218	Web

02/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77563	Web

02/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30093	Web

02/02/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 75201	Web

02/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 76522	Web

02/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20639	Web

01/25/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MO 64504	Web

01/24/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TN 37764	Web

01/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28273	Web

01/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28273	Web

01/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 72401	Web	Servicemember

01/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 45417	Web

01/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33311	Web

01/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28269	Web

01/11/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75154	Web

01/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30106	Web

01/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48314	Web

01/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30016	Web

01/04/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NV 89106	Web

01/03/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92040	Web

01/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 70129	Web

12/31/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44709	Web

12/29/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MI 48034	Web

12/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32828	Web

12/28/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MI 48034	Web

12/24/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75243	Web

12/24/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MI 48034	Web

12/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30288	Web

12/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78228	Phone

12/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	FL 33313	Web

12/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76028	Web

12/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 35214	Web

12/07/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 43232	Web

12/06/2022	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	KY 40342	Web

12/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76063	Web

12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 72205	Web

12/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 72401	Web	Servicemember

12/01/2022	Yes	Debt collection I do not know	Communication tactics Called before 8am or after 9pm	FL 330XX	Web	Servicemember

11/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92841	Web

11/18/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	TX 76028	Web

11/18/2022	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76028	Web

11/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90210	Phone

11/15/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 86326	Web

11/11/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 22306	Web

11/08/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91316	Web

11/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	FL 33613	Web

11/06/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NJ 07050	Web

11/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 625XX	Web

11/04/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28001	Web

10/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 36605	Web

10/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35611	Web

10/19/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CT 06450	Web

10/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 21113	Web

10/12/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 76028	Web

10/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30342	Web

10/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 72401	Web	Servicemember

10/06/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 79928	Web

10/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33311	Web

09/23/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OH 44120	Web

09/20/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77449	Web

09/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AR 72015	Web

09/14/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33196	Web

09/12/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	KY 42223	Web

09/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33040	Web

09/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 17268	Web

09/06/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21401	Web

09/01/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33068	Web

08/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MS 39581	Web

08/29/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 48076	Web

08/25/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19013	Phone

08/23/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 28213	Web

08/16/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 15001	Web

08/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30012	Web

08/09/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NY 13207	Web	Servicemember

08/05/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	IL 60611	Web

07/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48219	Web

07/31/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60475	Web

07/30/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TN 38372	Web

07/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OH 45219	Web

07/20/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30008	Web

07/19/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IN 46818	Web	Servicemember

07/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 45069	Web

07/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30088	Web

07/16/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91601	Web

07/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23505	Web

07/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48902	Web

07/05/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77449	Web

07/01/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 46260	Phone

06/29/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90063	Postal mail

06/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NM 88130	Phone	Older American

06/21/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MS 39581	Web

06/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 76022	Web

06/20/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92102	Web

06/20/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	DE 19701	Web

06/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60958	Web

06/05/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 32836	Web

06/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 93033	Web

05/28/2022	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MO 630XX	Web

05/23/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 15108	Web

05/20/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 23434	Web	Servicemember

05/18/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 95742	Web

05/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 19151	Phone

05/16/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32808	Web

05/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48015	Web

05/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33126	Phone

05/06/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 91901	Web

05/06/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 93035	Web

05/04/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33194	Phone

04/27/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 07109	Web

04/15/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IL 60805	Web

04/07/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60402	Web	Servicemember

04/07/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19142	Web

04/06/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 78154	Phone	Servicemember

03/23/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60617	Web	Servicemember

03/12/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NC 27404	Web

03/08/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 71119	Web

03/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75050	Web	Servicemember

02/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30013	Web

02/23/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CT XXXXX	Web

02/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 11416	Web

02/15/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	AL 36116	Web

02/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30080	Web

02/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MI 48212	Web

02/03/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WV 25705	Web

02/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07901	Web

01/28/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 08757	Web

01/27/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	CA 91387	Postal mail

01/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77532	Web

01/11/2022	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	TX 77053	Web

01/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AL 35903	Web

01/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30312	Web

01/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MI 48197	Web

01/04/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78613	Web

01/03/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77429	Phone

12/29/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MN 55122	Web

12/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30082	Web

12/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 62959	Phone

12/28/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NV 89074	Web

12/27/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NV 89074	Web

12/27/2021	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	NY 11372	Web

12/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10466	Web

12/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NV 89183	Web

12/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48215	Web

12/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33314	Web

11/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75035	Web

11/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10553	Phone

11/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78573	Web

11/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77021	Web

11/18/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29484	Web

11/17/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89119	Web

11/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38135	Web

11/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90012	Web

11/06/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IA 50702	Web

11/04/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30337	Web

11/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92264	Web

10/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 27601	Web

10/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 32256	Web

10/06/2021	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	NJ 07042	Web

10/04/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33351	Web

10/01/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 14621	Web

09/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30339	Web

09/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85302	Web

09/01/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 75150	Web

09/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32801	Postal mail

08/28/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60707	Web

08/27/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60615	Web

08/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WI 54162	Web

08/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32773	Web

08/17/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30045	Web

08/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32114	Web

08/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75117	Web

07/28/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78220	Web

07/21/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 76502	Referral	Older American

07/18/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 76105	Web	Servicemember

07/18/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 21284	Web

07/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33025	Web

07/14/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60827	Web

07/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 36109	Web

07/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MO 64118	Web

07/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55403	Web

07/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78552	Web

07/02/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30043	Web

07/02/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30134	Web

07/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78566	Web

07/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MS 388XX	Web

06/26/2021	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	IL 60477	Web

06/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91343	Web

06/19/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	SC 29369	Web

06/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 220XX	Web

06/14/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MA 01510	Web

06/13/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NJ 08701	Web

06/10/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 95696	Web

06/09/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 90221	Web

06/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 14223	Web

06/08/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 90650	Web

06/07/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 081XX	Web

06/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75052	Web

06/03/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 64134	Web

06/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33993	Web

05/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19141	Web

05/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NC 28804	Web

05/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32811	Web

05/17/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MN 55423	Web	Servicemember

05/15/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	VA 24018	Web

05/11/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	SC 29055	Web

05/10/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33161	Web

05/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19138	Web

05/08/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33024	Web

05/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10304	Web

04/27/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 49022	Web

04/26/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CT 06001	Web

04/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	LA 70835	Web

04/15/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NJ 07939	Phone	Servicemember

04/15/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30141	Web

04/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10467	Web

04/15/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90503	Web

04/09/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IL 60099	Web

03/25/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 08053	Web

03/24/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MA 02740	Web

03/22/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	VA 23453	Web

03/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32210	Web

03/11/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AZ 85226	Web

03/09/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 34668	Web

03/08/2021	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	OR 97023	Phone	Older American

03/07/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90804	Web

03/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11422	Web

03/05/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 17011	Web

03/05/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11575	Web

03/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PA 15219	Web

02/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33409	Web

02/16/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32750	Web	Servicemember

02/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28303	Web

02/10/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 95209	Web

02/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 10462	Web

02/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76116	Phone	Older American, Servicemember

02/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77357	Web

02/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NM 87106	Web	Servicemember

02/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92832	Web

02/02/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 48038	Web

02/01/2021	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	MA 01109	Web

01/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	RI 02860	Web

01/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07751	Web

01/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NV 89423	Web

01/09/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 37874	Web	Servicemember

01/05/2021	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 75075	Web

12/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33313	Web

12/29/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 27504	Web

12/29/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19129	Web

12/22/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30168	Web

12/19/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77384	Web

12/18/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 44108	Phone

12/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else		Postal mail

12/11/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31326	Web

12/04/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78660	Web

11/29/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 61853	Web

11/18/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07701	Fax

11/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19120	Web

11/16/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	OH 45040	Web

11/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 10707	Fax

11/10/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60640	Web

10/27/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10550	Fax

10/26/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30277	Web

10/23/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92393	Referral

10/08/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	VA 23324	Web

10/05/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MA 02780	Web

09/30/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10576	Web

09/28/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32714	Fax

09/28/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85327	Postal mail

09/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31904	Web

09/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36867	Web

09/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	CO 80908	Web

09/03/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	SC 29229	Phone	Servicemember

09/03/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OH 45237	Web

08/31/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute		Phone

08/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33169	Web

08/26/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 10452	Web

08/18/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33897	Web

08/16/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90031	Web

08/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AR 72223	Web

08/13/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30315	Web

08/12/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WI 53218	Web

08/07/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90250	Web

07/29/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MO 63385	Postal mail

07/25/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44512	Web

07/23/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60443	Web

07/09/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 34484	Web

07/08/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33032	Web

07/04/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33308	Web

06/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32246	Web

06/29/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33573	Referral

06/26/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30083	Web

06/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CA 92607	Web

06/17/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60649	Web

06/15/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75075	Web

06/08/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10069	Web

06/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33025	Web

06/05/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60617	Web

05/28/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AL 36110	Fax

05/27/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 22030	Web

05/27/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 71101	Web

05/21/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30236	Web

05/04/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	DE 19713	Web

04/29/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60621	Web

04/27/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75115	Web

04/24/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	LA 70760	Web

04/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	UT 84047	Web

04/11/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30188	Web

04/09/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85340	Web

04/05/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75604	Web	Servicemember

03/06/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30281	Web

03/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76051	Web

02/22/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77047	Web

02/19/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90018	Web

02/11/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 63146	Web

02/10/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	LA 70461	Web

02/07/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 21227	Web

02/07/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33009	Web

02/05/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 91709	Phone	Older American, Servicemember

02/05/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt		Phone

02/04/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91354	Phone

01/31/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NH 03103	Web

01/24/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32303	Postal mail

01/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI 48734	Web

01/16/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60604	Web	Servicemember

01/15/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90036	Web

01/15/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30331	Web

01/10/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls		Phone	Older American

01/03/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77433	Web

12/31/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 39867	Web

12/16/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 30230	Web	Servicemember

12/12/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30034	Fax

12/09/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33611	Web

12/03/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77449	Web

11/26/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 76044	Web

11/23/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AL 36571	Web

11/12/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 76504	Web

10/31/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60637	Web

10/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30082	Phone

10/23/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32803	Web

10/14/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48170	Web

10/14/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 23831	Web

10/13/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MA 01040	Web

10/09/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32828	Web

09/21/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 08846	Web

09/05/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MN 554XX	Web

08/28/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft		Phone

08/23/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 15147	Web

08/11/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 33025	Web

08/09/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WA 98569	Web

08/01/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	HI 96818	Referral

07/12/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	AZ 85283	Web

07/08/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IN 46845	Web

07/02/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 07304	Web

06/28/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77477	Web	Older American

06/25/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29406	Web

06/24/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	DC 20017	Web

06/21/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 19111	Web

06/09/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	WV 25209	Web

05/29/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75474	Web

05/24/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 95670	Web	Servicemember

05/22/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	VA 20109	Web

05/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48174	Web

05/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78665	Web

04/22/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92867	Referral

04/22/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30005	Web

04/12/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32312	Web

03/29/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 33173	Web

03/28/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid		Phone

03/25/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60636	Web

03/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	VA 230XX	Web

03/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	VA 230XX	Web

03/14/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32304	Postal mail

03/13/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30519	Web

03/11/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30096	Web

03/07/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75048	Web

03/06/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 11575	Fax

03/05/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 22041	Web

02/28/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90037	Web

02/19/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NM 88011	Web

02/05/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt		Phone

12/18/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77082	Web	Servicemember

12/14/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NJ 07503	Web

12/14/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30035	Web	Older American

12/12/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11238	Web

12/10/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 23831	Web

12/10/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 63136	Web

12/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77054	Web

11/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AL 36877	Web

11/15/2018	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	GA 31410	Web	Servicemember

11/08/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94526	Web	Servicemember

11/06/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 22301	Web

11/04/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77035	Web

10/12/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	HI 96782	Web	Servicemember

10/10/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78249	Web

09/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 65807	Web	Servicemember

09/25/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	AZ 85205	Web

09/24/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WV 26062	Phone

09/10/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 07735	Fax

09/10/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11691	Fax

09/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70583	Web

09/04/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10002	Web

08/28/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 91340	Web

08/27/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt		Phone

08/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60620	Web

08/17/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 11211	Phone

08/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 44321	Web

08/10/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32818	Web	Servicemember

08/08/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07003	Web

07/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 94121	Web

07/03/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77085	Fax

06/29/2018	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	SC 29841	Web

06/24/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60515	Web

06/12/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32773	Web

06/09/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77055	Web

05/29/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MD 21208	Web	Servicemember

05/23/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 33155	Web

05/19/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30349	Web

05/14/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 22026	Web

05/14/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30340	Web

05/10/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 91977	Web

05/08/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 46567	Postal mail

05/04/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 28518	Web

04/23/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30043	Web

04/10/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76134	Web

04/03/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33626	Web

03/27/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07106	Web

03/19/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	LA 70817	Web

03/17/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	LA 71033	Web

03/16/2018	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 75216	Web

03/16/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75216	Web

03/14/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 10472	Fax

03/05/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NH 03281	Web

03/04/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75080	Web

02/06/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32712	Web

02/05/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TX 75216	Web

01/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33312	Web

01/16/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AL 36571	Web

01/05/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OH 45238	Web

12/29/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78228	Web

12/13/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 75241	Web

12/12/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 79936	Web

12/04/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	PA 15001	Web

11/29/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OK 73120	Web

11/15/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30318	Web

10/19/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CO 80924	Web

10/12/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 23234	Postal mail

09/27/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WA 98003	Web

09/12/2017	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	OH 43015	Web

09/08/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	AL 35224	Phone

09/05/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MA 01905	Web

08/29/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 21208	Web

08/07/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	WI 53714	Web

08/03/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 19134	Postal mail

07/22/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30114	Web

07/19/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33067	Web

07/13/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 76127	Web	Servicemember

06/29/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 78681	Web

06/02/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 89117	Web

05/21/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TN 37013	Web	Servicemember

05/09/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TN 37917	Phone

05/02/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 08083	Web

04/10/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	WI 53202	Phone

03/31/2017	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	IN 47807	Web

03/30/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NV 89156	Web

03/21/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	KY 41014	Referral

03/18/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 94804	Web

03/16/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 22003	Web

03/09/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 90025	Phone	Older American

03/07/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33904	Web

02/08/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 75243	Web

02/07/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 75686	Web

02/05/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33030	Web

01/17/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AR 72034	Phone

01/12/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	AL 35173	Phone

12/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	CA 91357	Web	Servicemember

12/18/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 77346	Web

12/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 75503	Web

11/10/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	GA 30331	Web

08/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CT 06062	Web

08/19/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 79936	Postal mail

08/10/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	PA 19123	Phone

07/20/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NY 14605	Postal mail

07/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 90036	Web

06/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	OH 43026	Web

06/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	WI 53705	Web

04/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 10467	Web

03/07/2016	Yes	Credit reporting	Incorrect information on credit report Reinserted previously deleted info	MD 20904	Web

03/03/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30214	Web

11/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NC 27284	Phone

09/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	TX 79407	Web

08/13/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 33027	Web

07/23/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	OH 43230	Web

06/23/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	AZ 86326	Phone

05/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 75126	Web

05/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	AZ 85225	Web

04/17/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NJ 07105	Web

03/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 19136	Web

03/18/2015	Yes	Debt collection I do not know	Communication tactics Used obscene/profane/abusive language	IN 47421	Web

02/17/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	WI 54494	Web

01/28/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	NE 68114	Web

12/31/2014	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	IL 60478	Web

12/27/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	CO 80013	Web

12/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	FL 33541	Web

12/21/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	IL 60445	Web

12/12/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX 77073	Web

12/09/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OH 43240	Web

11/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 23150	Web

11/23/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32618	Web

11/02/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	KY 40517	Web	Servicemember

11/01/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	SC 29202	Web	Servicemember

10/10/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 75010	Web

09/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33025	Web

08/02/2014	Yes	Consumer Loan Installment loan	Taking out the loan or lease	GA 30296	Web

07/17/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	IL 60160	Web

07/11/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	HI 96748	Web

06/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	OH 44890	Web

02/01/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33541	Web

12/21/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 94518	Web

12/09/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 93405	Web

10/22/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	SC 29607	Phone

10/22/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	LA 70043	Web	Servicemember