Consumer complaint received 2023-11-15
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Subject : Dispute of Inaccurate Credit Information - Accounts XXXX and XXXX with Fair Collections To Whom It May Concern, I am writing to formally dispute inaccurate information that Credit Bureaus reported on my credit report. I recently obtained a copy of my credit report, and after careful review, I have identified several discrepancies that require your urgent attention and correction. 
Account Information : Creditor Name : Fair Collections & Outsourcing Account Number ( s ) : XXXX & XXXX Inaccurate Information : The rental agency added disputed amounts to my credit report and have refused to solve the matter through small claims court. 
Date of Inaccuracy : XX/XX/2023 The inaccuracies I am disputing are related to the account with the creditor Fair Collection and Out and account number XXXX and XXXX. The details of the inaccuracies are as follows : 1. The Original Amount Owed For ( XXXX ) : Incorrect Original Amount : {$1000.00} Correct Original Amount : {$440.00} 2. The Original Amount Owed For ( XXXX ) : Incorrect Original Amount : {$1600.00} Correct Original Amount : {$220.00} Explanation of Dispute : I have experienced a distressing situation surrounding the accounts in question. 

For XXXX, I relocated within the same apartment complex, and it was agreed that my security deposit balance would be applied to my outstanding charges. However, the management erroneously treated these charges as disputed charges, leading to the addition of fines and a doubling of the bill amounting to {$1000.00}. 
For XXXX, I had disputed the non-rent charges against the landlord and asked them to go through legal process but they have used my ssn to put a debt against me that i had never agreed to pay or availed. I escalated to creditors, they told over phone that the account is under investigation but they have not got back to me and have not replied to me. They even split the disputed accounts into two loan accounts and created another charge of XXXX $ against me. 
Despite my attempts to address this matter, the situation escalated unnecessarily. I suggested that any non-rent charges be resolved through a small claims court process, but the management bypassed this and forwarded the matter to a collections agency. This unfortunate decision severely affected my financial stability, as the collections agency utilized my Social Security Number to pursue this issue, causing substantial disruption. 
I initially communicated with the creditors to express my concerns and request a reevaluation of the disputed amount. While they indicated their intention to investigate, they have remained unresponsive to my emails for over a month. 
My Rights and Request for Action : I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), which empowers me to ensure the accuracy of the information on my credit report. I respectfully request that XXXX undertake a thorough investigation into this matter and take prompt actions to rectify the inaccurate information within the stipulated 30-day period, as mandated by the FCRA. 
I also request written confirmation of the receipt of this dispute letter and updates on the progress of the investigation. I have enclosed supporting documentation, including copies of my correspondence with the management and creditors, which provide evidence of the inaccuracies and the steps I have taken to resolve them. 
I genuinely appreciate your immediate attention to this issue and your cooperation in resolving the discrepancies on my credit report. 
Thank you for your assistance in rectifying this matter and helping me restore the accuracy and integrity of my credit history. 
Sincerely, XXXX XXXX

Company response to consumer: In progress