Debt collection -- Took or threatened to take negative or legal action -- Complaint #4872427
Complaint Overview
Complaint ID: 4872427
Company: Firstsource Business Process Services, LLC
Product: Debt collection
Sub-Product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened or suggested your credit would be damaged
State: Florida
ZIP Code: 34221
Date Received: 2021-11-03T12:00:00-05:00
Date Sent to Company: 2021-11-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXXirst Source is a debt collector pursuant to 15 U.S. Code 1692a ( 6 ) and has violated my right to privacy by committing identity theft. 15 U.S. Code 1681a - Definitions ; rules of construction ( q ) Definitions Relating to Fraud Alerts. ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. First Source has never received written instructions from me authorizing the furnishing of any information to third parties in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates ; First Source has been reporting to all 3 credit bureau Since 2019. First Source clearly has had accesses to my account since XX/XX/2019 but has no authority to authorize use of my credit card or any account associated with my open end consumer credit plan. 15 U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
Frequently Asked Questions
What is Complaint #4872427 about?
Complaint #4872427 was filed against Firstsource Business Process Services, LLC regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2021-11-03T12:00:00-05:00.
How did Firstsource Business Process Services, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Firstsource Business Process Services, LLC?
Yes, visit the Firstsource Business Process Services, LLC company profile at readthecomplaint.com/company/firstsource-business-process-services-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.