|
11622546
|
2025-01-19
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
FAIR COLLECTIONS & OUTSOURCING, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Rental debt
|
| Date Received |
2025-01-19
|
| Submitted Via |
Web
|
| Company Response |
In progress
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-19
|
|
|
8304054
|
2024-02-07
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
FAIR COLLECTIONS & OUTSOURCING, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Other debt
|
| Date Received |
2024-02-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-07
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11477208
|
2025-01-11
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
FAIR COLLECTIONS & OUTSOURCING, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Rental debt
|
| Date Received |
2025-01-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-11
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I am filing this complaint against Fair Collections and Outsourcing INC regarding their improper handling of a disputed debt under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).
The collection agency contacted me regarding an alleged debt, which I formally disputed via certified mail on XX/XX/year>. I requested validation of the debt, including documentation proving the debt is valid and owed by me. I provided evidence of my dispute, including XXXX receipts confirming delivery of my dispute letters, yet they continued to report the debt to credit bureaus during the dispute process.
In response to my dispute, the agency claims to have mailed a " verification of debt '' on XXXX which appear to be a lease signed by someone who apparently used my name. I formally notified them via certified mail that I have no knowledge of ever having any business whatsoever with the company shown on the paper. I was surprised to find out that they reported the account to the credit bureaus. When I contacted them via email and certified mail, they claim to have sent me an affidavit of fraud following my second correspondence that i never received. I have requested proof of mailing for this affidavit, which they have not provided. I explained to them that an affidavit alone does not satisfy the debt validation requirements under the FDCPA, as it fails to include documentation such as original contracts or clear proof of my liability for the debt.
Despite my timely dispute, the agency reported the debt to the credit bureaus without proper validation. This violates : FDCPA Section 809 ( b ) : Reporting a debt while it is under dispute without validation is prohibited.
FCRA Requirements : If a debt is disputed, it must be reported as " disputed '' to the credit bureaus. The agency has failed to ensure compliance with this requirement.
Additionally, this collection agency has a history of non-compliance with consumer protection laws, as evidenced by public records and their BBB rating of " XXXX '' Resolution Sought : I request the following actions from the collection agency : Retract the debt from all credit bureaus until proper validation has been provided. Update my credit report to reflect this as required by law.
Provide a detailed record of all correspondence they claim to have sent, including proof of mailing for the affidavit of fraud.
If these steps are not taken, I ask the CFPB to intervene to ensure compliance and prevent further harm to my credit record. Thank you for your assistance in this matter
|
| Consumer Consent Provided |
Consent provided
|
|
|
11709653
|
2025-01-24
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
FAIR COLLECTIONS & OUTSOURCING, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2025-01-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-24
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
|
|
11451265
|
2025-01-09
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
FAIR COLLECTIONS & OUTSOURCING, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2025-01-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-09
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Fair Collections & Outsourcing XXXX XXXX XXXX, XXXX XXXX, MD XXXX Dispute of Debt - Account # XXXX Dear Fair Collections & Outsourcing, I am writing to formally dispute the validity of the debt referenced above, as reported on my credit file. This is a formal request for validation under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).
The account in question, dated XX/XX/year>, indicates a balance of {$4200.00}, with no recent payment history or breakdown of charges. I am disputing this account because I do not recognize this debt and believe it may be inaccurate or incomplete.
Under federal law, you are required to provide the following information to validate the debt : 1. Proof that this debt is accurate and belongs to me.
2. A detailed accounting of the debt, including how the balance of {$4200.00} was calculated.
3. A copy of the original contract or agreement that establishes my obligation to pay.
Additionally, if you can not provide sufficient evidence that this debt is valid and legally enforceable, I request that you cease all collection activity, including reporting this account to credit bureaus, and promptly remove it from my credit report.
I also request that you provide all correspondence regarding this matter in writing and refrain from contacting me via phone. If you fail to comply with this request, I will consider reporting your actions to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies for violations of my consumer rights.
|
| Consumer Consent Provided |
Consent provided
|
|
|
11488164
|
2025-01-12
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
FAIR COLLECTIONS & OUTSOURCING, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Rental debt
|
| Date Received |
2025-01-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-12
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I want this collection deleted from my consumer report due to all the violations.
|
| Consumer Consent Provided |
Consent provided
|
|
|
9628204
|
2024-07-26
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
FAIR COLLECTIONS & OUTSOURCING, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Rental debt
|
| Date Received |
2024-07-26
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-07-26
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
|
11398555
|
2025-01-06
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
FAIR COLLECTIONS & OUTSOURCING, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
I do not know
|
| Date Received |
2025-01-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-06
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11450685
|
2025-01-09
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
FAIR COLLECTIONS & OUTSOURCING, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Rental debt
|
| Date Received |
2025-01-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-09
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Hi, I'm not liable for this debit with XXXX XXXX XXXX XXXX. I do not have a contract with Fair Collections & outsourcing. they did not provide me with the original contract as I requested.
This balance is incorrect based on the attached early termination contract between myself and XXXXXXXX XXXX XXXX XXXX. According to Florida Statute 83.595, I am required to give the landlord two months ' notice before the eviction date. I provided this notice on XX/XX/year>, stating that I would vacate on XX/XX/year>. I paid the full rent and utilities for XXXX, XXXX, XXXX, and XX/XX/year>, meaning I paid for four months after submitting my notice to vacate. However, according to the law, I should only be obligated to pay for a maximum of two months. I paid for four months because they were unable to rent my condo.
Apartment XXXX listed on their website for rent, and they failed to rent it out, they rented on XXXX which is not my responsibility.
To reiterate, I gave them the required two months ' notice to vacate as per the law, and I paid four months of rent after that date. Therefore, by law, they should not be asking me for this additional amount.
Attached is a copy of the early termination agreement, and the notice to vacate was received by XXXX XXXX XXXX on XX/XX/year>.
Thank you.
|
| Consumer Consent Provided |
Consent provided
|
|
|
11548160
|
2025-01-15
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
FAIR COLLECTIONS & OUTSOURCING, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
I do not know
|
| Date Received |
2025-01-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-15
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11622486
|
2025-01-19
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
FAIR COLLECTIONS & OUTSOURCING, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Rental debt
|
| Date Received |
2025-01-19
|
| Submitted Via |
Web
|
| Company Response |
In progress
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-19
|
|
|
11578847
|
2025-01-16
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
FAIR COLLECTIONS & OUTSOURCING, INC.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-16
|
| Submitted Via |
Web
|
| Company Response |
In progress
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-16
|
|
|
11608755
|
2025-01-21
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
FAIR COLLECTIONS & OUTSOURCING, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Rental debt
|
| Date Received |
2025-01-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-21
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
|
|
11688747
|
2025-01-23
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
FAIR COLLECTIONS & OUTSOURCING, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Rental debt
|
| Date Received |
2025-01-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-23
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
|
|
11391883
|
2025-01-05
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
No
|
| Company |
FAIR COLLECTIONS & OUTSOURCING, INC.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-05
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I lived in this apartment complex XXXX years ago. The complex went through several ownership changes during my time of living there. There was several issues with the billing and accounting from XXXX owner to the other. I resolved all accounting with the last management and the agreement was made there was no monies outstanding. At the conclusion of my lease, I moved. After moving, this debt appeared on my credit report. I was not evicted, I was not asked to move for non-payment of rent and the dollar amount owed makes no sense in comparison to the rent amount I paid.
I have contacted the property management, which has changed again 3 times since I moved and I get no resolution. I have been told the records no longer exist.
|
| Consumer Consent Provided |
Consent provided
|
|
|
11771233
|
2025-01-23
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
FAIR COLLECTIONS & OUTSOURCING, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Collected or attempted to collect exempt funds
|
| Sub Product |
Rental debt
|
| Date Received |
2025-01-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-23
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11371786
|
2025-01-03
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
FAIR COLLECTIONS & OUTSOURCING, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Rental debt
|
| Date Received |
2025-01-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-03
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11384124
|
2025-01-04
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
FAIR COLLECTIONS & OUTSOURCING, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
I do not know
|
| Date Received |
2025-01-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-04
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11224867
|
2024-12-20
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
FAIR COLLECTIONS & OUTSOURCING, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Rental debt
|
| Date Received |
2024-12-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-20
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11098912
|
2024-12-10
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
FAIR COLLECTIONS & OUTSOURCING, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Rental debt
|
| Date Received |
2024-12-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-11
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11204562
|
2024-12-18
|
False statements or representation
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
FAIR COLLECTIONS & OUTSOURCING, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Impersonated attorney, law enforcement, or government official
|
| Sub Product |
I do not know
|
| Date Received |
2024-12-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-18
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11265590
|
2024-12-24
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
FAIR COLLECTIONS & OUTSOURCING, INC.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-24
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11249943
|
2024-12-21
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
FAIR COLLECTIONS & OUTSOURCING, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Rental debt
|
| Date Received |
2024-12-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-21
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11010685
|
2024-12-04
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
FAIR COLLECTIONS & OUTSOURCING, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
I do not know
|
| Date Received |
2024-12-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-04
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11151323
|
2024-12-13
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
FAIR COLLECTIONS & OUTSOURCING, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2024-12-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-13
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
For months I've asked this company to provide me debt validation, debt verification and proof they have the legal right to collect on debts in the State of Florida which is where I reside. They refused.
This is collection company Fair Collection and Outsource is currently in committing FRAUD AND ILLEGAL ACTIVITIES and IN VIOLATION OF ; State of Florida Statutes Title XXXIII, Chapter 559, Part VI - Consumer Collection Practices Violation State of Florida Statutes Title XXXIII, Chapter 559, Part VI - Consumer Collection Practices Violation Penalties for violations.Any person violating any provision of this part shall be guilty of a misdemeanor of the first degree, punishable as provided in XXXX XXXX, and the circuit court shall have jurisdiction in equity on the complaint of any interested person to restrain and enjoin the violation of any of said provisions.
Im currently a resident of the State of Florida.
XXXX credit report is showing that youll verified this debt with Fair Collections and Outsourcing and their address is XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX The State of Florida states all collection companies trying to collect a debt from State of Florida residents must be licensed with State of Florida Department of Regulation .
When reviewing the companys registration with The State of Florida Office of Regulation it clearly shows a different address ; therefore, the company reported on my credit report is fraudulent. ( See Copy Below From State of Florida Office of Regulation.
Address showing on State of Florida Office of Regulation is as follows ; Business Main Address and Business Mailing Address XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX
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| Consumer Consent Provided |
Consent provided
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11124875
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2024-12-12
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Attempts to collect debt not owed
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Debt collection
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|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
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| Company |
FAIR COLLECTIONS & OUTSOURCING, INC.
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| Product |
Debt collection
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| Sub Issue |
Debt is not yours
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| Sub Product |
Rental debt
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| Date Received |
2024-12-12
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2024-12-12
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| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
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| Consumer Consent Provided |
Consent not provided
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11091355
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2024-12-09
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Incorrect information on your report
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Credit reporting or other personal consumer reports
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| Issue |
Incorrect information on your report
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| Timely |
Yes
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| Company |
FAIR COLLECTIONS & OUTSOURCING, INC.
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| Product |
Credit reporting or other personal consumer reports
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| Sub Issue |
Account information incorrect
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| Sub Product |
Credit reporting
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| Date Received |
2024-12-09
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2024-12-09
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| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
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| Complaint What Happened |
***THIS IS A NEW COMPLAINT*** This new complaint includes new evidence of Fair Collections and Outsourcing failure to properly address any and all previous complaints by myself and or inquiries from XXXX XXXX XXXX from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
The previous complaint filed on XX/XX/XXXX had not been addressed as of XX/XX/XXXX.
This formal complaint is submitted against Fair Collections & Outsourcing ( hereinafter referred to as " Creditor '' ) and the credit reporting agencies ( hereinafter referred to as " CRAs '' ) XXXX and XXXX for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), specifically Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ), codified under 15 U.S.C. 1681c-2, 1681m ( f ), and 1681s-2 ( a ) ( 6 ), among others. This complaint addresses the reporting and reinvestigation of inaccurate, misleading, and obsolete negative information, which has caused financial and emotional harm, as detailed below. Basis for Complaint XXXX. Misrepresentation of Debt as " Charged Off '' Income The debt in question, reported as " charged off, '' constitutes income under IRS regulations when a XXXX has been issued. Per 15 U.S.C. 1681s-2, creditors are prohibited from furnishing inaccurate or misleading information. Reporting this debt as charged off post-XXXX issuance is a material inaccuracy and a direct violation of the FCRA. XXXX. Failure to Conduct Reasonable Investigations Upon identifying these inaccuracies, I submitted disputes to both the Creditor and the CRAs. Despite their obligation under 15 U.S.C. 1681i ( a ) to conduct reasonable reinvestigations, they failed to remove the inaccurate information. This failure demonstrates willful non-compliance and blatant disregard for federal law. XXXX. Obligation to Block Information Under Section 605B ( 15 U.S.C. 1681c-2 ) I assert my rights under Section 605B, which mandates the blocking of any information identified as resulting from errors or unverifiable circumstances when proper documentation is provided. The CRAs have failed to comply, even after receiving documentation substantiating the inaccuracies of the accounts. Despite my disputes and evidence provided, these items remain on my credit report, in direct violation of the blocking requirements of 1681c-2 ( b ). XXXX. Failure to Provide a Clear and Specific Adverse Action Notice ( Section 615 ( f ), 15 U.S.C. 1681m ( f ) ) Section 615 ( f ) obligates the Creditor and CRAs to inform me of the specific actions taken against me and the reasons for such actions. The denial of credit due to these inaccurate reports, coupled with the absence of a sufficient explanation or resolution, reflects non-compliance with this section. XXXX. Furnishers ' Duties to Update and Correct Information ( Section 623 ( a ) ( 6 ), 15 U.S.C. 1681s-2 ( a ) ( 6 ) ) The Creditor has failed to fulfill its obligation under Section 623 ( a ) ( 6 ) to promptly update and correct information after being notified of disputes. The continued reporting of these accounts as negative despite my disputes further evidences their willful or negligent disregard of their statutory duties. Negative History and Harm Caused XXXX Obsolete Negative History Under 15 U.S.C. 1681c ( a ), outdated negative information must not appear on my credit report. These accounts include negative history beyond the permissible reporting periods, exacerbating the harm caused. XXXX. Financial Harm and Opportunity Loss i. As previously stated, the denial of credit due to these inaccuracies has forced me into overpriced temporary housing after escaping an abusive living situation. ii. The continued presence of this negative information has also prevented me from obtaining transportation necessary to accept better employment opportunities, hindering my ability to improve my financial standing. XXXX. Emotional and Psychological Impact i. The inaccurate and unresolved reporting has caused undue stress, anxiety, and emotional harm as I attempt to rebuild financial stability after a challenging period in my life. Legal Precedent and Enforcement To support my claims and further establish the obligations of creditors and CRAs under the FCRA, I reference the following cases where courts ruled in favor of consumers for similar violations : XXXX. XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) Highlighted CRAs ' obligations to reinvestigate disputes and the significant harm caused by non-compliance. XXXX. XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX that CRAs and furnishers must ensure the accuracy of information reported and correct known errors promptly. XXXX. XXXX v. XXXX XXXX Bank, XXXX, XXXX XXXX XXXX. XXXX XXXX ( S.D. XXXX XXXX ) Stated that consumers have a right to statutory damages when negative and inaccurate information remains unresolved after disputes. XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) The court held that CRAs must conduct a " reasonable investigation '' of disputed information and XXXX be held liable for failing to do so. XXXX. XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) The court ruled that creditors could be held liable under 15 U.S.C. 1681s-2 ( b ) for failing to correct inaccurate information after receiving notice of a dispute. XXXX. XXXX v. XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) The court emphasized that furnishers of information have a duty to investigate disputes forwarded by CRAs and correct inaccuracies. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX the need for CRAs to go beyond surface-level investigations and make substantive corrections to avoid liability under the FCRA. Statutory and Additional Demands XXXX. Immediate Removal and Blocking I demand the immediate removal of the accounts in question from all credit reporting agencies under 15 U.S.C. 1681c-2. These accounts are inaccurate and unverifiable, and their continued reporting is a clear violation of my rights under the FCRA. XXXX. Statutory Damages For the violation of my rights under the FCRA, I demand statutory damages of {$1000.00} per violation for each month that the inaccurate information remained on my credit report. This includes willful violations under 15 U.S.C. 1681n and negligent violations under 15 U.S.C. 1681o. 3. Penalties for CRAs As specified under 15 U.S.C. 1681q, penalties for intentional and unintentional violations range from {$100.00} to {$1000.00} per occurrence and are not subject to limitations. XXXX. Corrective Measures I require written confirmation from both the creditor and the credit reporting agencies detailing the steps taken to rectify these errors and the measures implemented to prevent future occurrences XXXX. Legal Action for Damages I reserve the right to file a lawsuit for : o Willful and negligent violations of the FCRA. o Emotional distress and financial losses caused by these violations, as supported by the specific harm detailed in this complaint. XXXX. Reporting to XXXX and XXXX XXXX XXXX to comply will result in reporting these violations to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies. If necessary, I will also report these issues to the IRS for any related tax implications, as the continued reporting of these accounts may constitute further violations. Timeline of Disputes and Non-Compliance I have included documentation with proof of dates, date of delivery, filing dates, etc., that evidence a pattern of willful non-compliance. Conclusion The Creditor and CRAs have failed to fulfill their statutory obligations, resulting in significant harm to my financial and emotional well-being. I request immediate resolution and statutory damages for their continued non-compliance. Should this matter remain unresolved, I will pursue and exhaust all legal remedies available to me.
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| Consumer Consent Provided |
Consent provided
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10421878
|
2024-10-11
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
FAIR COLLECTIONS & OUTSOURCING, INC.
|
| Product |
Debt collection
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| Sub Issue |
Debt is not yours
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| Sub Product |
I do not know
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| Date Received |
2024-10-11
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2024-10-11
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| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
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| Consumer Consent Provided |
Consent not provided
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10413513
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2024-10-10
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
FAIR COLLECTIONS & OUTSOURCING, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
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| Sub Product |
Rental debt
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| Date Received |
2024-10-10
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| Submitted Via |
Web
|
| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2024-10-10
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
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| Complaint What Happened |
They trying to collect for invitations home on a lease that my husband whos passed away do to XXXX XX/XX/year> the lease was not on my name it was under my husband we moved because they wanted to increase the rent and we couldnt afforded anymore, they kept security deposit and and top of this trying to collect for normal wear interior we stayed in that property for 2 years he never received any notification or opportunity to do any repairs before work was done they just go ahead and did it and later on reported to the credit bureau witch I have disputed a few time and nothing has been done. I dont know what else to do. Please help.
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| Consumer Consent Provided |
Consent provided
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6879869
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2023-04-24
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Attempts to collect debt not owed
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Debt collection
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|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
FAIR COLLECTIONS & OUTSOURCING, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
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| Sub Product |
I do not know
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| Date Received |
2023-04-24
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2023-04-24
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
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| Complaint What Happened |
On XX/XX/2023, I was alerted that an account was added to my credit profile. I want everyone to be aware that I am not liable for this debt with XXXX XXXX XXXX XXXX nor have I received a contract or any form of a statement from Fair Collections and Outsourcing ( FCO ) no paperwork was sent to me prior to adding anything to my credit report. 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. I am not liable for this debt with XXXX XXXX XXXX and do not have a contract with fair collections & outsourcing. DO NOT RESPOND TO THIS COMPLAINT AS " VALIDATED ''. I AM FILING THIS COMPLIANT IS TO ENSURE THAT THE ACCOUNTS WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). I WILL SEEK ATTORNEY REPRESENTATION GOING FORWARD.
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| Consumer Consent Provided |
Consent provided
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11133151
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2024-11-27
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Attempts to collect debt not owed
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Debt collection
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|
| Issue |
Attempts to collect debt not owed
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| Timely |
Yes
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| Company |
FAIR COLLECTIONS & OUTSOURCING, INC.
|
| Product |
Debt collection
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| Sub Issue |
Debt is not yours
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| Sub Product |
Rental debt
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| Date Received |
2024-11-27
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2024-11-27
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| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
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| Consumer Consent Provided |
Consent not provided
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