Firstsource Business Process Services, LLC

On or about XX/XX/XXXX and XX/XX/XXXX, I received voicemails from One Advantage LLC regarding an alleged debt. The voicemails did not include sufficient information to identify the debt, did not clearly disclose the nature of the communication, and did not provide proper debt collection disclosures. Due to the lack of information, I was unable to verify the legitimacy of the alleged debt. As a result, I sent a formal written request for debt validation and a cease-and-desist letter requesting that all communication stop until proper validation was provided. I specifically requested the original creditor, account details, itemization of the amount claimed, and documentation showing I am legally responsible for the debt. This correspondence was sent via certified mail ; however, it was returned due to an expired or invalid forwarding address, leaving me with no reliable way to contact the company.…

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Case number to reference : XXXX Timeline of Harassment and Willful Non-Compliance Despite a formal written prohibition and revocation of consent sent to Firstsource Advantage LLC XXXX XX/XX/year>, the agency has continued a persistent campaign of harassment. This behavior demonstrates a willful intent to bypass expressed communication restrictions through the following documented actions : Targeting Professional Lines : As explicitly stated in my XX/XX/XXXX notice, the number XXXX is a dedicated work number. By repeatedly calling this line, the agency is intentionally disrupting my professional obligations and workplace productivity. Localized Number-Spoofing ( XXXX XXXX XXXX ) : The agency has utilized localized number-spoofing to deceive me into answering. My records show a pattern of cycling through various North Carolina numbers to circumvent call filtering.…

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XXXX customer, XXXX debited my bank account for {$480.00} for a website I had canceled. I called XXXX. They issued a refund. I got my refund on XX/XX/XXXX. Now I am getting a debt collection notice from XXXX. XXXX turned it over for collection with no notice. I contacted FirstSource. They directed me to XXXX and I called them. The man wanted my driver 's license # and Bank acct # to talk to me. I said no. He said he could not talk to me. I thought he was a scammer. I called XXXX and they advised XXXX collected receivables for them and XXXX could not do anything about it. They took my money. XXXX paid them, XXXX gives me a refund. So, XXXX owes them the money for my refund. I have been made whole. XXXX needs to get their money from XXXX. If XXXX does not erase this unsubstantiated debt I will be suing them both.

On XXXX I ordered a product from XXXX, On that same day I cancelled, however I was informed the product was already sent out ( XXXX XXXX supply ). My payment method was through XXXX. I have spent the last XXXX XXXX trying to resolve this matter with XXXX. They indicate they paid the full amount and there was no refund from the vendor. However XXXX advertises, cancel anytime and money back. Now XXXX is stating there is no account for me, how does that happen when XXXX indicates they paid the full amount. To date I only received XXXX shipment, yet they want me to pay the full amount for something I never received. XXXX or the collection company will not provide me with documentation.

A XXXX XXXX account is being reported on my credit report by third-party debt collector First Source Advantage , LLC . I sent three ( 3 ) formal certified mail notices to First Source demanding debt validation under 15 U.S.C. 1692g : a Debt Validation Request, a Notice of Fault and Opportunity to Cure, and a Notice of Default and Final Statement. XXXX XXXX failed to provide any legally sufficient validation or verification. Their only response consisted of templated billing statements, which do not constitute validation under law. Despite this administrative default, XXXX XXXX sent a settlement offer dated XX/XX/year>, constituting continued collection activity on an invalidated, unverified debt in violation of 15 U.S.C. 1692g ( b ).…

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I am filing this complaint regarding a collection account being reported by Firstsource Advantage related to a XXXX account. I dispute the accuracy and validity of this debt. The balance being reported is inconsistent and does not match the amounts associated with the original account. Additionally, I have not been provided with proper validation of this debt, including a full breakdown of charges, proof of authorization, or a complete payment history. Under the Fair Credit Reporting Act ( FCRA 611 ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to accurate reporting and full validation of any alleged debt. At this time, Firstsource has failed to provide sufficient documentation to support the validity and accuracy of this account. Because of these discrepancies and lack of validation, I am requesting the following : Immediate investigation into the accuracy of this account. Full validation of the alleged debt.…

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I am formally disputing the debt claimed by XXXX XXXX XXXX ( account ending XXXX ) and the collection activity by Firstsource Advantage , LLC. On XX/XX/year>, I enrolled in XXXX home security services, including equipment installation. During the sales call, I explicitly requested that my existing camera be moved to the back if the installer needed to remove it. This request was acknowledged by the salesperson. The installer removed my existing camera but did not install the equipment as requested, leaving it on the floor. I immediately contacted XXXX, and the installer was sent back. The installer refused to complete the work, and multiple rescheduled appointments were repeatedly canceled by XXXX installer. I canceled the service due to repeated failures to provide the agreed-upon service. XXXX refused to remove their equipment from my property, claiming I was responsible for it. Their equipment is now obstructing installation of a replacement security system that I purchased.…

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I am filing a complaint regarding the conduct of FirstSource Advantage , LLC in attempting to collect an alleged debt connected to XXXX, XXXX. On XX/XX/year>, at XXXX XXXX I received the first communication from the debt collector regarding an alleged balance of approximately {$1200.00} related to a XXXX account. On XX/XX/year>, I request a Validation of this Debt. around XX/XX/year>, after the first contact, the collector sent what they described as a validation package. However, the documents provided did not constitute full validation of the alleged debt. The materials included a copy of a contract and a limited number of billing statements, but they did not explain how the balance of {$1200.00} was calculated, did not include a complete payment history, and did not provide clear proof of the collectors authority to collect the debt. Because the documentation appeared incomplete, I continued disputing the alleged debt.…

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I had an account with XXXX XXXX, and my credit limit was typically around {$5000.00}. Depending on my payments, they could authorize a higher amount. At XXXX point, I entered into a payment plan with them and was making payments of approximately {$130.00} per month. Prior to that, my regular monthly payments ranged between {$650.00} and {$870.00}. Due to financial difficulties, I was unable to continue with the payment plan, and my account was eventually sent to collections. However, my last payment to XXXX XXXX was {$250.00}, and at that time, my balance was approximately {$6200.00}. This was still an amount that felt manageable for me to repay under a structured agreement. Now that my account has been transferred to collections with First Source Advantage, I have been informed that my balance is overXX/XX/XXXXXXXXspecifically {$8800.00}. This amount exceeds the limit I originally had with XXXX XXXX, which is why I am filing this complaint.…

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I am requesting validation of this debt. I have never had business with this company. I do not owe this and it is affecting my credit score. To Whom It May Concern, This letter is being sent to you in response to your reporting on my credit profile. This is not a refusal to pay, but a notice that your claim is a dispute. Under the Fair Law Debt Collection Practices Act ( FDCPA ). I have the right to request validation of the debt you say I owe. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Below are a few questions to answer which may help you to resolve these mistakes. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit.…

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I am a Rhode Island consumer filing this complaint against First Source Advantage LLC, XXXX XXXX XXXX XXXX, XXXX, New York XXXX, phone ( XXXX ) XXXX, for violations of the Fair Debt Collection Practices Act in connection with their attempts to collect an alleged XXXX XXXX XXXX credit card debt, account ending in XXXX. FSA Reference Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Account ending in XXXX. I received three collection letters from First Source Advantage regarding account ending in XXXX, all bearing reference number XXXX, dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. MATTER 1 Attempted to Collect Wrong Amount Across All Three Communications : My XXXX XXXX XXXX XXXX credit reports all consistently show the balance on account ending in XXXX as {$2400.00}. All three of First Source Advantage 's collection letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX stated the balance as {$2400.00}, an overstatement of {$0.00}.…

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I am a Rhode Island consumer filing a complaint against First Source Advantage LLC, XXXX XXXX XXXX XXXX, XXXX, New York XXXX, for violations of the Fair Debt Collection Practices Act in connection with their attempts to collect an alleged XXXX XXXX XXXX credit card debt, account ending in XXXX. My XXXX credit report pulled XX/XX/XXXX confirms First Source Advantage pulled my credit on XX/XX/XXXX and XX/XX/XXXX, establishing them as the first purchaser of this account from XXXX XXXX. I received two collection letters from First Source Advantage dated XX/XX/XXXX and XX/XX/XXXX. Violation 1 Attempted to Collect Wrong Amount on Two Separate Occasions : XXXX XXXXXXXX XXXX own letter to me dated XX/XX/XXXX confirms the correct balance of account XXXX as {$3600.00}. Both of First Source Advantage 's collection letters dated XX/XX/XXXX and XX/XX/XXXX stated the balance as {$3600.00}, an overstatement of {$0.00}. First Source Advantage never corrected this error in either letter.…

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I am filing this complaint for violations of consumer protection laws and the Fair Credit Reporting Act ( FCRA ) related to inaccurate credit reporting and failure to investigate disputed information. Experian is reporting multiple negative accounts, including charge-offs, collections, and late payments, that are inaccurate, incomplete, and/or unverifiable. I formally disputed these accounts ; however, Experian failed to conduct a reasonable reinvestigation as required under federal law. The company continues to report misleading and inconsistent information. Additionally, these accounts contain clear XXXX XXXX compliance violations, including : Inaccurate account status codes Improper payment histories Missing or incorrect Date of First Delinquency Continued late payment reporting after charge-off Inconsistent account balances and histories These actions violate : Fair Credit Reporting Act ( XXXX U.S.C. XXXX ) Louisiana XXXX XXXX XXXX and XXXX XXXX XXXX ( La. XXXX. XXXX et seq.…

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Sent letters to orignal company XXXX XXXX XXXX XXXX ), XXXX XXXX, XXXX and Firs source Advantage attempting to verify debt on XX/XX/year> XXXX ( tracking # ) asking for verification in writing from all three, none responded after 30 days or to this date. The credit agencies reported that they verified as correct after investigation, I was never notified by any of them a clear legal violation. I am judgement proof under Ohio and XXXX XXXX, XXXX and asset rulings and uncollectable. I am now asking for account removal and possible litigation for damages to my credit and non-compliance with FDCA statues. They are taking advantage of a XXXX XXXX they presume will not fight back.

Firstsource Advantage , LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Fax : ( XXXX ) XXXX Reference : XXXX Claim # : XXXX To Whom It May Concern, This letter serves as a formal complaint and notice of dispute regarding a collection letter I received concerning an alleged debt related to a GoDaddy account. This alleged debt is completely disputed. The account referenced in your correspondence was terminated approximately XXXX years ago. There is no valid contract, agreement, or legal relationship between Firstsource Advantage , LLC and either myself or XXXX XXXX XXXX XXXX that would authorize your company to attempt to collect any funds. Your claim appears to be without legal basis. More troubling is the fact that your company attempted to debit a bank account without authorization.…

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I am filing this complaint regarding unlawful third-party disclosure of my alleged debt by Firstsource Advantage , LLC in violation of the Fair Debt Collection Practices Act ( FDCPA ). A collection letter dated XX/XX/year>2025 was received in early XXXX. On XXXX XXXX, 2025, at approximately XXXX PM EST, a representative of Firstsource Advantage placed a phone call to my father. During this call, the representative disclosed that the call concerned a debt in collections and requested my contact information. This was not a neutral request for location information. The representative communicated that the matter involved a debt collection account. I have never provided consent for this company to discuss my alleged debt with any third party. Under 15 U.S.C. 1692b, a debt collector may contact a third party only for the limited purpose of obtaining location information and may not state or imply that the consumer owes a debt.…

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XX/XX/year> the company Firsr source advantage called me, as well as other dates in the past, Pretending to be my father and brother, using their first names as their caller ID so when they called me, I assumed it was my brother and my father. They abused my information in order to trick me into picking up the phone, thinking it was them. I feel violated as they have my personal information and family information and used their first names as caller ID. That is deceptive ab disgusting to do that. This is invasive and this should be illegal! They did this in the past a few months ago using my other brothers name and his wife. I would like to press charges! This is the number that First source advantage used XXXX They spelt my brothers name wrong and I also do not talk to my father so I knew something was scammy. How can a company operate like this?? A deceptive tactic using my personal information to trick me into thinking it was a family member so I would pick up.…

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XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXXOne Advantage LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX Request for Debt Validation Reference XXXX XXXX XXXXTo Whom It May Concern: XXXXI am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act (HIPAA) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allow the release of limited information about me but anything more is to only be revealed with the patients authorization.…

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I am disputing a debt that XXXX XXXX XXXX has improperly placed into collections with First Source Advantage LLC. The alleged balance of {$1000.00} represents the remaining balance of a service contract that XXXX itself refused to honor. In XX/XX/year>, I moved from North Carolina to Georgia. I uninstalled and reinstalled my XXXX equipment myself, which is explicitly permitted under my contract. Section XXXX of the agreement ( Installation, Repair, and Maintenance of the XXXX ) allows for self-installation, and no technician visit is required under that section. After reinstalling my equipment, I contacted XXXX to update my service address. XXXX refused to update my address, locked me out of my online account, and prevented me from viewing my bill or managing my services. I was also informed that XXXX would not continue monitoring or alarm services at my new address unless I paid {$140.00} for a technician visit, despite my system already being installed and functional.…

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On XX/XX/year>, I submitted a formal written dispute to XXXX XXXX XXXX regarding a business credit line ( account ending in XXXX ) under my company XXXX XXXX XXXX XXXX XXXX, and a related account ending in XXXX, which I do not recognize. I requested signed agreements, transaction history, and an internal investigation of unauthorized cash advances that appeared in XXXX. I received no response from XXXX XXXX XXXX. However, on XX/XX/year>, I received an internal XXXX XXXX XXXX email showing that my dispute had been forwarded to other departments, but no one ever contacted me or provided the requested documentation. The disputed debt was then sent to a XXXX-party collector, Firstsource Advantage XXXX I submitted a timely dispute to Firstsource. They responded XXXX with the same account statements, but failed to provide a signed agreement, balance breakdown, or any explanation of how this debt was incurred or why I am responsible.…

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On XX/XX/year>, I sent Firstsource Advantage , LLC a written Notice of Dispute, Demand for Validation, and Cease-Communication Notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ), including 15 U.S.C. 1692c ( c ) and 1692g. The notice was sent via certified mail and electronic mail. Despite receipt of that notice, Firstsource Advantage , LLC continued collection activity by sending me a settlement offer email dated XX/XX/year>, attempting to induce payment on the alleged debt. This communication occurred after I directed the company to cease all communications and while the debt was disputed and unvalidated. Continued collection activity after a valid cease-communication notice violates the FDCPA, including 15 U.S.C. 1692c ( c ), 1692e, and 1692f. I preserved copies of the cease-communication notice, proof of delivery, and the post-notice settlement email.…

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XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, NY XXXX RE : Formal Request for Debt Validation Under 15 U.S.C. 1692g ( b ) To Whom It May Concern, I am writing in response to a collection notice received regarding an alleged debt that you claim I owe. I do not acknowledge this debt and am exercising my right under the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) * *, to request * * full validation and verification * * of the alleged debt. Please provide all of the following information and documentation : 1. * * The name and address of the original creditor * *, and the original account number. 2. * * A full itemized breakdown * * of the debt, including : - Principal - Interest - Fees - Payments or credits applied 3. A * * copy of the original signed contract or agreement * * that created the debt. 4.…

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XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2026 XXXX XXXX XXXX XXXX XXXX, NY XXXX RE : Formal Request for Debt Validation Under 15 U.S.C. 1692g ( b ) To Whom It May Concern, I am writing in response to a collection notice received regarding an alleged debt that you claim I owe. I do not acknowledge this debt and am exercising my right under the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) * *, to request * * full validation and verification * * of the alleged debt. Please provide all of the following information and documentation : XXXX. * * The name and address of the original creditor * *, and the original account number. XXXX. * * A full itemized breakdown * * of the debt, including : - Principal - Interest - Fees - Payments or credits applied XXXX. A * * copy of the original signed contract or agreement * * that created the debt. XXXX.…

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I am receiving repeated phone calls from FirstSource Advantage , LLC regarding an unknown matter. I have not been informed whose account this is, what the debt is, or why my phone number is being contacted. They called my personal phone number five ( 5 ) times in XXXX and four ( 4 ) times in XXXX. They have left only two voicemails stating : Hi this is XXXX calling from FirstSource Advantage LLC, please contact me or any of our representatives at XXXX. The voicemails do not disclose that the caller is a debt collector or that the communication is for the purpose of collecting a debt, as required under 15 U.S.C. 1692e ( 11 ) of the Fair Debt Collection Practices Act. I only became aware that FirstSource Advantage , LLC is a debt collection company after independently researching the business name. No proper disclosure has been provided in any voicemail communication.…

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ONE ADVANTAGE Compliance Department Re : Settlement Demand FDCPA Violations, Improper Collection of Medical Debt, and Statutory Damages To Whom It May Concern, This letter serves as a formal settlement demand regarding multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and improper collection activity related to a medical account that was not legally eligible for collections. FDCPA VIOLATIONS UNLAWFUL COMMUNICATION I previously explicitly requested that all communications regarding this alleged debt be made solely via XXXX mail. Despite this lawful request, ONE ADVANTAGE has continued to contact me by phone calls, text messages, emails, and voicemails, including automated messages with links to account statements.…

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We spoke with XXXX XXXX on XX/XX/year> about purchasing XXXX from them. They did not host our email so together with XXXX XXXX representative decided they were not going to be able to supply what we needed - so they cancelled the order. The same day we purchased our XXXX program that was needed from a different company for {$160.00}. On about XX/XX/year>, we got a letter from Firstsource stating that we made a purchase from XXXX in the amount of {$140.00} with a credit card that did not go through. They said since our card did not go through another company paid the debt for our purchase. And that we now owe them for this debt. We called XXXX around XX/XX/year> to confirm there was no purchase made on our account. There was not. We do not owe this amount and the company XXXX XXXX refuses to prove that we do. They seem to be a fraudulent company that got ahold of our name through XXXX XXXX and are now trying to collect money from us.…

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I am writing to formally dispute accounts that are currently being reported on my credit file which I did not knowingly open, authorize, or agree to. I share the same name as my father, which has caused confusion and overlap in credit reporting. While I was a minor and young adult, my father managed financial matters for our household. I did not have a full understanding of credit at the time, nor did I consent to being held financially responsible for certain accounts now appearing on my credit report. Following my fathers deportation, my family experienced severe financial hardship. During this period, credit was used to cover essential living expenses. However, I was not aware that these obligations would be attributed to me personally, and I never intended for this debt to be placed under my credit profile. I am currently barely XXXX XXXX XXXX and am now being contacted by collection agencies regarding debts I did not knowingly assume.…

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I, XXXX XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Washington XXXX, submit this statement in response to communications and electronic payment solicitations made by Firstsource Advantage , LLC regarding an alleged consumer debt purportedly associated with XXXX and presented with a claimed balance of approximately {$140.00}. This statement is made strictly for the purpose of requesting lawful verification and clarification. It does not constitute an acknowledgment, admission, or acceptance of liability for any debt, nor does it waive any rights or revive any statute of limitations. The alleged XXXX obligation is disputed in its entirety. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, and the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., I require competent, complete, and admissible evidence demonstrating that the alleged obligation exists and that Firstsource Advantage , LLC has the lawful right to collect it.…

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I will start this off by declaring the debt they allege is mine does not belong to me, a transaction history is not proof or contractual agreement of the account being agreed to be opened in the first place. ADDITIONALLY, ACCORDING TO THE XXXX CONSUMER ACCESS PORTAL, Firstsource advantage is incorrectly AND UNLAWFULLY trying to collect in the state of XXXX, it is a VIOLATION for firstsource to collect in the state of Illinois without the necessary licensing. and they call themselves 'professionals ' while doing so. this is a formal CEASE AND DESIST of ALL communications, INCLUDING XXXX MAIL COMMUNICATIONS! Additionally, their website 's dispute, login page and the portal will not even allow me to log in. If firstsource puts any accounts on my credit report without the proper signed contractual agreement, and/or license to collect in the state of XXXX, XXXX will be made to all necessary parties & buraus.

I am writing to formally dispute an entry on my credit report under the authority of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which governs the permissible purposes for accessing consumer credit reports. Upon reviewing my credit report, I discovered an inquiry/account entry from Firstsource Advantage LLC that I did not authorize. According to 15 U.S.C. 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish a credit report with my written consent, which I never provided to Firstsource Advantage for such access.