Source Receivables Management

We have received and reviewed the consumer complaint requesting debt validation and stating we have failed to respond to prior requests for such validation. This complaint has been our first written request for such validation. Attached please find verification with documentation from the creditor...

to validate the charges on the account per request.  This documentation has also been mailed to the consumer's mailing address.  We have requested that the consumer reporting agencies update the account as disputed.  Consumer reporting agencies may take 30 days or longer to update their files and that is beyond our control. If the consumer has questions about the information provided or would like to discuss payment options, he can call our toll-free number at [redacted] or contact the compliance department directly at [redacted].  We are a professional debt collector attempting to collect a debt.  Any information obtained will be used for that purpose.

We have reviewed the consumer complaint dated 1/27/2017.  Upon receipt, we forwarded the complaint to the creditor.  Their investigation, as well as ours, indicates that the charges on the account or correct and we have contacted the right consumer.  If the consumer would like to...

provide more clarification as to which charges and/or billing statements are disputed, we can investigate further.   Our agreements with the credit reporting agencies and with the creditor restrict our ability to remove an account that is being reported accurately from the consumer reporting agencies.  However, we will notify the consumer reporting agencies that the account is disputed.  Consumer reporting agencies may take 30 days or longer to update their records and that is beyond our control.  In response to the complaint, we are providing the attached verification with documentation from the creditor, including a Bill Summary Report, Payment History, and Billing Statement copies showing the charges reflected in the remaining balance on the account. We hope that this helps the consumer understand the debt that we are attempting to collect.  If the consumer does not plan on returning to the creditor for service, we do have authorization to close the account upon receipt of half of the current balance.  The account would be closed and updated with the consumer reporting agencies as paid in full for less than the full balance.  A closed account would also stop any future collection efforts. Please advise the consumer to contact the compliance department directly with questions at [redacted] or [redacted]@sourcerm.com.  We are a professional debt collector attempting to collect a debt and any information obtained will be used for that purpose.

We have received and reviewed the consumer complaint disputing the debt placed in our office and alleging our representative was loud, rude, disrespectful and threatened legal action, along with a request for us to cease and desist. We conducted an investigation and forwarded the dispute to the...

creditor for additional review. According to our investigation as well as the creditors, this account is believed to be fraudulent and the debt has been disassociated from Mr. [redacted]. Per the consumer’s request and dispute findings, we have ceased efforts to contact him in reference to collections on the above debt. The compliance department pulled and listened to the recording of the telephone conversation that took place on 03/19/2018. We did not hear our representative say any of the language expressed in the consumer’s complaint, however we apologize for the consumer’s frustrations. If the consumer has any questions the compliance department can be reached directly at [redacted]@sourcerm.com. We hope we have helped the consumer resolve this complaint.  We are a professional debt collector; however this communication is for the sole purpose of responding to your complaint and is NOT an attempt to collect a debt.

I am rejecting this response because: [redacted] refused payment before it ever made it to collection. That balance is inaccurate, I never had an Apple Watch. If you go back to the recorded phone conversation you will hear [redacted] refusing payment and wouldn’t come to any agreement. I’m no longer liable for that that debt.

Initial Business Response /* (1000, 6, 2016/05/02) */
Source Receivables Management (SourceRM) has reviewed the information received in Revdex.com Case #[redacted] regarding SourceRM Account [redacted].
The referenced account was referred to our office by [redacted] regarding a remaining balance of $1161.36 for...

[redacted] account number [redacted]. Service for this account began on 5/2/2010. An e-mail address provided for the account was [redacted]@gmail.com. The last payment received on the account was 4/10/2014 in the amount of $100.00. The account went delinquent on 3/25/2014 and was cancelled due to non-payment on 7/22/2014. SourceRM received the account on 5/12/2015 with a balance of $1161.36.
A validation notice letter was mailed to the consumer on 5/18/2015 advising her that the account was placed with our office and of her right to dispute the debt. SourceRM first reported this account to the major credit reporting agencies (TransUnion, Equifax, and Experian) on 7/9/2015.
Our office received the first dispute from the consumer on 3/14/2016 via certified mail. In response, our office provided verification to the consumer at the address [redacted], SAINT LOUIS, MO [redacted]. The mail was not returned; therefore we assume it reached the consumer. The account information reported to the credit reporting agencies has since been updated to reflect that the account has been disputed.
In response to Ms. [redacted]'s complaint, our office has mailed out further verification with documentation to validate the charges on the referenced account. We mailed the verification with documentation to the address provided on this complaint. This verification includes a summary of the account, a [redacted] Bill Summary Report, a signed copy of the consumer's [redacted] Retail Installment Contract dated 11/2/2013 through 11/5/2015, and [redacted] Billing Statement copies May, June, and August of 2014. Our client, [redacted], has also been notified of the consumer's complaint.
Should Ms. [redacted] have questions or need additional information, she can call our office at [redacted] or e-mail us at [email protected].
Please also be advised that Source Receivables Management (SourceRM) is a professional debt collector; however this communication is for the sole purpose of responding the consumer complaint and providing the results of our investigation. This is NOT an attempt to collect a debt.
Initial Consumer Rebuttal /* (3000, 8, 2016/05/03) */
(The consumer indicated he/she DID NOT accept the response from the business.)
This company clearly has communication issues. You have received a certified letter from me with my address listed on both the envelope and my letter. How can you send someone a correspondence and assumed it reached that person from totally different location? This is clearly an unverified debt they are trying to collect. Also in my letter I have clearly stated in bold letters that I wanted validation of the alleged debt Not verification. This is blatantly a another stall tactic from SRM in their attempt to ignore my request for validation! I am sure that SRM understands the violations of the FDCPA that they are committing such as sec 809 validation of debt and sec 812 using misleading and deceptive practices. So at this time I will follow up this complaint with Illinois attorney general as well as CFPB regarding this matter.
Final Business Response /* (4000, 10, 2016/05/05) */
Please advise Ms. [redacted] that we received [redacted]'s response to her complaint as of this morning (5/5/2016). Per [redacted], the account has been forwarded to Executive Services for review and placed on a 30 day hold pending their response. Because of this, we have requested the account be removed from the credit reporting agencies. I will attach the verification with documentation that was mailed to the consumer on 5/2/2016 to this response. She should receive it via mail any day now as well.

I am rejecting this response because:
The information that this company provided wasn't debt validation instead it is showing a bill. Debt validation would be something with my signature agreeing to the terms of what was agreed to be paid. If this company will not provide this then I want it removed from my credit reports as soon as possible.

Initial Business Response /* (1000, 8, 2016/04/08) */
Source Receivables Management (SourceRM) has received Ms. [redacted]' complaint dated 3/31/2016 regarding a conversation with one of our representatives on 3/31/2016. She claims that the debt belongs to an ex-husband and that she is not...

responsible.
The referenced account was referred to our office by [redacted] regarding a remaining balance of $233.71 for [redacted] account number XXXXXXXXXX. The only name on the account is "[redacted] Service for the account began on 6/27/2002 and ended on 11/09/2011 at service address [redacted] XXXXX-XXXX. The last payment received on the account was on 9/20/2011 in the amount of $299.00, but that payment was returned by the bank. SourceRM received the account on 3/21/2016 with a balance of $233.71. An initial validation notice letter was mailed to the consumer on 3/23/2016 advising her that the account was placed with our office and of her right to dispute the debt. Our first and only communication with the consumer was on 3/31/2016.
SourceRM is a professional organization and we train and test our collectors on FDCPA requirements and best practices in negotiations. It is the intention of SourceRM to provide services in a professional manner. We regret any inconvenience we may have caused. All conversations that our office had with Ms. [redacted] will be monitored by our compliance team and any issues found will be addressed with our agents.
In response to this complaint we have notified our client, [redacted] of the consumer's dispute and complaint. The account has been placed in a cease communication status so that the consumer does not receive any further communications from our office unless requested. SourceRM has not reported this debt to the credit reporting agencies and does not intend to do so. Please advise Ms. [redacted] to contact our office if she has any further questions or concerns.
Please be advised that this communication is from Source Receivables Management LLC (SourceRM), a professional debt collector. This communication is for the purpose of responding to the consumer's complaint and providing the results of our investigation. This is NOT an attempt to collect a debt.
Initial Consumer Rebuttal /* (2000, 10, 2016/04/11) */
(The consumer indicated he/she ACCEPTED the response from the business.)

We have received and reviewed the consumer complaint claiming that an account that we reported to the consumer reporting agencies does not belong to him and requesting verification documentation. We have already responded to this complaint via the CFPB. Please see attached response. According to our...

investigation as well as the creditor’s, we have reached the correct consumer and the charges are valid. We mailed verification with documentation to the consumer today to provide more detailed information and creditor documentation to help the consumer understand the balance.  The documentation is also attached to his complaint. The information that was reported to the consumer reporting agencies is confirmed to be accurate and complete; therefore we cannot remove the information while the account is placed in our office.  We have requested that the consumer reporting agencies reflect that the account is disputed.  If the consumer has any questions or would like to discuss payment options, the compliance department can be reached directly at [redacted]@sourcerm.com or [redacted].  We hope we have helped the consumer resolve this complaint.  We are a professional debt collector attempting to collect a debt and any information obtained will be used for that purpose.

We have received and reviewed the consumer complaint claiming that she does not have a contract with our company and is not liable for the debt we have reported to the consumer reporting agencies.  The referenced account was placed in our office by the creditor on 12/31/2016 for...

collection.  We are collecting on behalf of the creditor and do not own the debt.  We are not required to have a contract with the consumer.  Attached please find verification with documentation from the creditor explaining the charges on the account.  We hope this helps the consumer understand the balance.  We have requested that the consumer reporting agencies update the account as disputed.  Consumer reporting agencies may take 30 days or longer to update their files and that is beyond our control.  If the consumer has questions about the information provided or would like to discuss options for payment, she is welcome to contact us toll free at [redacted] or contact the compliance department directly at [redacted] or [redacted]@sourcerm.com.  We are a professional debt collector attempting to collect a debt.  Any information obtained may be used for that purpose.

I am rejecting this response because:
This exact information is being reported by [redacted] with the same amount of alleged debt. I do not understand how this could be valid. If this company is affiliated with [redacted] to collect on this alleged debt how could another company also "own" this alleged debt and BOTH are reporting the same information. I want this removed from my credit report. [redacted] has not confirmed that this debt belongs to me or that this is even valid because this information seems to be accessible to anyone. This summary of a bill does not prove that I am the person responsible for this debt. [redacted] seems to be selling information to multiple sources without any real valdation.

We have reviewed Mr. [redacted]'s complaint. Our findings indicate that this complaint is our first notification that the consumer is represented by an attorney. The correspondence that the consumer references in the complaint must have been mailed to the creditor ([redacted])...

or a previous agency as the account was only placed in our office on 9/21/2016. Per the consumer's request, we have ceased collection efforts on the account. We will notify the creditor of the consumer's complaint. If Mr. [redacted] would like us to provide a fraud packet or verification of the debt, please advise him to provide his attorney's information so that we can forward the information to his attorney. Also please advise that we are a professional debt collector; however this communication is for the sole purpose of responding to the consumer complaint and is NOT an attempt to collect a debt.

We have received and reviewed the consumer complaint claiming that he does not have a contract with our office and that requested verification was not provided.  He is also requesting removal of the account from the consumer reporting agencies and no further communications.  We do not own...

the referenced debt; the account belongs to the creditor, [redacted].  The referenced account was placed in our office by the creditor for collection on 9/15/2016.  We do not require a contract with the consumer to collect or report the account on behalf of the creditor.  Our office mailed a notice to the consumer on 9/21/2016 advising him that the account was placed in our office and of his right to dispute the debt.  That notice was mailed to the same address as listed on the complaint.  The first dispute our office received regarding this account was on 1/19/2017.  In response, verification mailed to the consumer at the same address listed on this complaint.  An additional dispute was received on 2/27/2017.  Although no new information was provided, verification with documentation from the creditor was provided to the consumer on 3/16/2017 again to the same address listed on the complaint. According to our investigation as well as the creditors’; we have reached the correct consumer and the charges are valid.  In response to the consumer’s previous disputes, we already requested that the account reflect as disputed with the consumer reporting agencies.  We cannot remove the account from the consumer reporting agencies as the reporting is accurate and that would violate our agreement with the creditor and the consumer reporting agencies.  Per the consumer’s request, we have ceased efforts to contact him in relation to collection of the debt.  Therefore we are a professional debt collector but this communication is for the sole purpose of responding to the consumer complaint and is NOT an attempt to collect a debt.

We have received and reviewed the consumer's complaint.  We received the same dispute/complaint from the consumer directly and the attached response was already provided to the consumer earlier today prior to receipt of this complaint.  In addition to this response, we also provided...

verification of the debt via mail on 3/14/2017 and 3/20/2017.  A copy of a billing statement from the creditor was provided via e-mail also on 3/21/2017 in response to the consumer's e-mail dispute.  We also advised the consumer that the application for service was taken over the phone, therefore a request for a signed contract is not applicable; nor are we required to provide that information  Please advise the consumer to see the attached response letter explaining how our office is in compliance with the FDCPA and FCRA in regards to this matter.  We have also attached the billing statement from the creditor that was previously provided to the consumer.  If the consumer would like to provide specific information about what she is disputing or relevant documentation indicating the information reported is inaccurate, we would be happy to forward that information to the creditor for further review.

I am rejecting this response because:
This debt with this creditor is invalid as I have no contract whatsoever with them and the original creditor is actively collecting and reporting on the debt that is contractual between them ([redacted]) and myself. If there is an obligation between myself and source receivables please furnish all contracts signed and dated as legitimate proof and payment arrangements could made in exchange for deletion if they are willing to work with me.

We have received and reviewed the complaint filed by Ms. [redacted] stating that she has not received proper validation of the debt that we are attempting to collect.  Upon receipt of the consumer’s first dispute via the consumer reporting agencies, we responded via mail and through the consumer...

reporting agencies confirming that the information reported to the consumer reporting agencies was accurate.  We received a direct dispute from the consumer on 4/4/2017 and forwarded the information to the creditor.  Once again, they confirmed we had reached the correct consumer and the charges were valid.  In response, we mailed verification of the debt including documentation from the creditor.  A bill summary report, signed equipment contract, and billing statement copies were provided to help the consumer understand the balance.  That verification with documentation was mailed to the same address provided on this complaint and no returned mail was received.  According to the creditor, the previous agency also provided the consumer with verification of the debt prior to placing the account with our office.  Although the charges are valid, we have requested removal of the account from the consumer reporting agencies per the consumer’s request.  Consumer reporting agencies may take 30 days or longer to update their files and that is beyond our control.  If the consumer has questions about the information that was provided to her, she is welcome to contact our compliance department directly at [redacted].  We are a professional debt collector attempting to collect a debt and any information obtained will be used for that purpose.

I am rejecting this response because: Source Receivables has confirmed through the their last statement that they do not in this alleged debt. Therefore I'm not understanding why they are refusing to remove from my credit report as I have requested. The information provided only shows that a debt is owed to [redacted]. It does not confirm that I am the person that owes the debt. That is my issue. I requested debt Validation and proof that I do indeed owe Source Receivables. From this point I will file a lawsuit because this company has no legal right to report anything on my credit without proper validation. I did not ask for verification of the debt. Which is all this company has done. Where is the signed contract? If Source Receivables does not own this alleged debt what gives them the legal right to attempt to collect on this alleged debt and place on my credit.

We have received and reviewed the consumer complaint claiming that she does not have a contract with our company and is not satisfied with the verification provided to her.  The referenced account was placed in our office by the creditor on 4/19/2017 for collection.  We are collecting on...

behalf of the creditor.  We do not own the debt and do not have to have a contract with the consumer.  We mailed notification that the account was placed in our office and of the consumer’s right to dispute the debt on 4/24/2017.  The first dispute received from the consumer was on 7/20/2017.  In response, we mailed verification with documentation from the creditor to help the consumer understand the balance and validate the charges.  We have reprinted that documentation and attached it to this complaint response.  The documentation provided is sufficient to validate the charges on this account.  Both our investigations and the creditor’s investigations have concluded that we reached the correct consumer and the charges are valid.  The consumer reporting agencies have already been notified that the account is disputed.  If the consumer would like to discuss options for payment or has questions about the information provided, she is welcome to contact us toll free at [redacted] or contact the compliance department directly at [redacted] or [redacted]@sourcerm.com.  We are a professional debt collector attempting to collect a debt.  Any information obtained may be used for that purpose.

We have received and reviewed the consumer complaint.  On 8/17/2016 Ms. [redacted] authorized our office to speak with her financial adviser, Terrell, regarding an account placed in our office.  He notified our office on 12/3/2016 that the consumer would be paying a settlement and would be...

sending in two check payments.  Two checks were received in the mail for the following amounts on the corresponding dates: $312.00 on 12/8/2016 and $311.00 on 12/19/2016.  Upon receipt of the final payment the account was closed as settled in full.  We notified the creditor and the consumer reporting agencies that the account was closed as paid for less than the full balance.  The information reported to the consumer reporting agencies is accurate and the account is closed.  Although we already mailed verification of the debt to the consumer prior to discussing payment of the account, we have also attached a bill summary report and billing statement copy from the creditor to further validate the balance that was settled in our office.  We will not be refunding the funds as they were authorized and were applied to a valid debt.  On 12/27/2016 we mailed the consumer a letter stating that the debt was satisfied.  We are a professional debt collector; however this communication is for the sole purpose of responding to your complaint and is NOT an attempt to collect a debt.

Initial Business Response /* (1000, 5, 2015/10/13) */
Source Receivables Management (SourceRM) has received Mr. [redacted]'s complaint. Based on the information provided by the consumer on this complaint, we have identified the account in question as [redacted] account number [redacted] (SourceRM Account...

Number XXXXXXXX). [redacted] the creditor, placed this account for collection with our office on 09/10/2015 for a balance of $479.00. We are a professional organization and we train and test our collectors on FDCPA requirements. To ensure there are no issues of third party disclosure, we require that our agents verify that they are speaking to the correct party using information such as the consumer's full name, address, year of birth, and/or last four digits of the social security number. For the consumer's privacy, the collectors cannot see the entire social security number, only the last four digits. It is the intention of SourceRM to provide services in a professional manner. We regret any inconvenience we may have caused. All conversations that our office had with Mr. [redacted] will be monitored by our compliance team and any issues found will be addressed with our agents. Also, we have ceased all collection efforts on the referenced account per the consumer's request. Please advise Mr. [redacted] to contact our office if he has any further questions or concerns. Please be advised that this communication is from Source Receivables Management LLC (SourceRM), a professional debt collector. This communication is for the purpose of responding to the consumer's complaint and providing the results of our investigation and is NOT an attempt to collect a debt.
Initial Consumer Rebuttal /* (3000, 7, 2015/10/19) */
(The consumer indicated he/she DID NOT accept the response from the business.)
This doesn't address the professionalism, unethical approach, and rudeness of the representatives of their company. Their response is that of a copy and paste response. Also, their representatives do not ask for verification, they call and immediately start to recite personal information of yours and ask you to confirm. I do not have any debt with H&R Block. I dispute this debt wholeheartedly.
Final Business Response /* (4000, 9, 2015/10/22) */
Source Receivables Management (SourceRM) has received Mr. [redacted]'s rebuttal. Mr. [redacted]'s original complaint was investigated on 10/12/2015 once received by the compliance team. Both conversations that he had with our office were reviewed and analyzed for compliance and performance.
In the first call on 10/6/2015 at 12:36pm EST, the consumer spoke with Brooke. Brooke confirmed the consumer's full name, and then asked him to confirm that he was born in 1971 to ensure that she was speaking with the right party. The reason our representatives are required to use an additional authentication method beyond the full name is to help prevent third party disclosure. An example of when this happens is when there is a Senior and a Junior. By confirming the year of birth, she was trying to ensure that she was speaking with the correct [redacted] and prevent giving information to an incorrect party. Once asked to confirm his year of birth, Mr. [redacted] said that he would not confirm that information. He asked who was calling and Brooke identified herself by name and provided the company name. Because the consumer stated he would not confirm any information, the representative began to conclude the call. Towards the end of the call, the consumer demanded that we not call him again. The representative flagged all of the phone numbers on the account to ensure that Mr. [redacted] would not receive any more calls from our company per his request. Because this call was specifically mentioned in Mr. [redacted]'s complaint, the conversation and complaint are scheduled to be addressed with Brooke in her Monthly Review for October. Because Brooke flagged the consumer's phone numbers, he has not received any further calls from our office.
The second call was also on 10/6/2015 at 12:38pm EST. Mr. [redacted] called into our office and spoke with another representative, Kyle. Mr. [redacted] immediately stated that he would not verify any information and informed Kyle that he would be filing a complaint regarding his call with Brooke. He requested the company's address to send a letter. Kyle gave him the company's PO Box address per his request. The consumer reiterated that he was filing a complaint and Kyle ended the call. The call could not have continued as the consumer had already stated that he would not confirm any personal information. The information that the representative was required to give to the consumer had already been provided. Because this call was also mentioned in Mr. [redacted]'s complaint, compliance and performance issues and areas for improvement are scheduled to be discussed with Kyle during his Monthly Review for October.
We apologize if Mr. [redacted] was upset by the calls and was dissatisfied with our original response. The original complaint was investigated and analyzed. The representatives involved were made aware of the complaint and the changes they need to make to improve their call quality. As stated in the previous response, our office has ceased all collection efforts on the account. No further calls will be made to the consumer. Our office has not reported any information regarding this account to any of the credit reporting agencies.
Please be advised that this communication is from Source Receivables Management LLC (SourceRM), a professional debt collector. This communication is for the purpose of responding to the consumer's complaint and providing the results of our investigation and is NOT an attempt to collect a debt.

Initial Business Response /* (1000, 5, 2016/07/25) */
Source Receivables Management (SourceRM) has reviewed the information received in Revdex.com Case #[redacted] regarding SourceRM Account [redacted].
The referenced account was referred to our office by [redacted] regarding a remaining balance of $235.42 for...

[redacted] account number [redacted]. Service for this account began on 4/9/2014 with e-mail address [redacted]@yahoo.com. The last payment received on the account was 9/2/2014 in the amount of $13.57. The account was cancelled on 10/17/2014 (ported out). The account became delinquent on 8/4/2014. SourceRM received the account on 3/23/2016 with a balance of $235.42.
SourceRM mailed a validation notice letter to the consumer on 3/28/2016 advising her that the account was placed with our office and of his right to dispute the debt. On 6/20/2016, our office received a dispute letter from Ms. [redacted] via fax. In response, we mailed verification to the consumer. On 6/23/2016 we received an additional dispute via written mail, and the account was placed under [redacted] review. Attached please find additional verification documentation obtained from [redacted], including a [redacted] Bill Summary Report and [redacted] Billing Statement copies from September, October, and November 2014.
Based on the nature of the consumer complaint, our office has ceased collection efforts on the referenced account. Should Ms. [redacted] have questions or need additional information, she can call our office at [redacted] or e-mail us at [redacted].
Please also be advised that Source Receivables Management (SourceRM) is a professional debt collector; however this communication is for the sole purpose of responding the consumer complaint and providing the results of our investigation. This is NOT an attempt to collect a debt.
Initial Consumer Rebuttal /* (3000, 8, 2016/08/01) */
(The consumer indicated he/she DID NOT accept the response from the business.)
In response to SourceRM, I absolutely reject the response SourceRM provided to the Revdex.com solely based on the fact that SourecRM remains on my credit report as a collection trade line after efforts have been made by myself as well as my attorney to communicate with SourceRM via fax and mail since June 2016 with no response until now. In addition, I requested specific information re: the account SourceRM placed on my credit report and absolutely none of that information was provided, and there was no attachment included in the response SourceRM provided to the Revdex.com as stated. SourceRM stated that a validation letter was mailed out to myself on 3/28/2016, however there was no proof of mailing provided to prove there was actually a letter sent out to me on that date. Furthermore, if a letter had been sent out to me on 3/28/2016 and SourceRM complied with the laws of the FDCPA by communicating with myself prior to placing this derogatory account on my credit report, the issue would not have escalated to this Revdex.com complaint. Moreover, being the diligent consumer I am as far as credit/credit reporting is concerned I would have responded immediately in receipt of SourceRM letter if I had ever received it and rectified this issue long before it would have come to me filing formal complaints with several agencies. Lastly, as stated in my original complaint SourceRM did not comply with FDCPA law § 809. Validation of debts 15 USC 1692g while attempting to collect on this debt, therefore my consumer rights were violated when SourceRM neglected to communicate with myself prior to placing the derogatory account on my credit report. Until I see this derogatory account from SourceRM deleted from all the major consumer reporting agencies effective immediately because SourceRM did not comply with the FDCPA law § 809. Validation of debts 15 USC 1692g, I will not accept any response from SourceRM.
Final Business Response /* (4000, 10, 2016/08/08) */
SourceRM was not aware that the consumer was unable to view the documents that we attached to the previous complaint response. However, on 8/4/2016, we also provided the requested documentation in our response to a complaint submitted by the consumer via the CFPB portal. We have completed our investigation and have provided enough information to validate this consumer debt. We have also ceased collection efforts and requested that the account be removed from the consumer reporting agencies. It may take 30 days or longer for the changes to appear on the consumer credit file and that is beyond our control. We are a professional debt collector, however this communication is for the purpose of responding to the consumer complaint and is NOT an attempt to collect a debt.