Debt collection -- Attempts to collect debt not owed -- Complaint #18656622

Complaint Overview

Complaint ID: 18656622

Company: Source Receivables Management LLC

Product: Debt collection

Sub-Product: Rental debt

Issue: Attempts to collect debt not owed

Sub-Issue: Debt is not yours

State: Texas

ZIP Code: 794XX

Date Received: 2025-11-17T12:00:00-05:00

Date Sent to Company: 2026-01-12T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: No

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I am disputing a rental housing debt reported by Source Receivables on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). This debt is not legally mine because XXXX violated multiple provisions of Texas XXXX XXXX XXXX XXXX, which voids the alleged balance entirely. My lease ended on XX/XX/XXXX, and I returned all keys and vacated the unit. Under Texas Property Code 92.104 ( a ), a landlord must provide the tenant with a final itemized list of deductions and disposition of the security deposit within 30 days after move-out. XXXX did not provide any itemized charges within that required 30-day period. Instead, the first billing email demanding {$830.00} was sent on XX/XX/XXXXXXXX XXXX days after move-out and well beyond the statutory deadline. XXXX then sent a second billing email on XX/XX/XXXX, more than 100 days after move-out, again demanding payment and offering a 40 % discount if paid within 30 days, further demonstrating that XXXX was attempting to negotiate and collect charges after forfeiting all legal rights to do so. Under Texas Property Code 92.109 ( a ) - ( c ), if a landlord fails to provide the required itemized deductions within 30 days, the landlord forfeits the right to withhold ANY amounts, and the charges become legally {$0.00}. ACCs delayed communications, discount offer, and multiple past-due notices all occurred after this deadline, making the debt legally invalid and not owed under Texas law XXXX Despite this, XXXX placed the invalid balance with Source Receivables. I was never contacted by Source Receivables at any pointno phone calls, no letters, no emails, and no validation notice were ever sent. Under FDCPA 809 ( a ) ( 15 U.S.C. 1692g ( a ) ), a debt collector must send a written validation notice within five days of the first collection attempt. Source Receivables never provided any initial communication, never gave me an opportunity to dispute the debt, and never validated any information before furnishing it. This is a direct violation of FDCPA 809 ( a ) and 809 ( b ), as well as FDCPA 807 for false representation of the amount and legal status of a debt. Critically, the XXXX credit report states that the collection account was opened on XX/XX/XXXX and reported as past due in XXXX XXXX I was never contacted at any time before or after that date. Reporting a debt without contacting the consumer, without sending the legally required validation notice, and without giving the consumer a chance to dispute the debt is an additional violation of FDCPA 807 ( 8 ) ( communicating credit information known to be false ) and FDCPA 807 ( 10 ) ( use of deceptive means to collect a debt ). Furthermore, furnishing an invalid debt to a credit bureau without notice violates FCRA 1681s-2 ( a ) ( prohibiting the reporting of information that is inaccurate or incomplete ) and FCRA 1681s-2 ( b ) ( failure to investigate and correct inaccurate information after notice of dispute ). A collector can not legally report a debt that has never been validated, never been disclosed, and is legally impossible to owe under state law. Because XXXX did not comply with Texas Property Code 92.10492.109 and forfeited all rights to charge any funds, and because Source Receivables reported a debt I was never notified of, never given the chance to dispute, and never provided validation for, the debt is not owed, not mine, and has been wrongfully reported. I request that the CFPB require XXXX and Source Receivables to : ( 1 ) acknowledge the debt as invalid under Texas law, ( 2 ) cease all collection activity immediately, and ( 3 ) remove this account from all credit bureaus due to violations of Texas Property Code, the FDCPA, and the FCRA.

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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