Consumer complaint received 2023-08-10
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My wife and I had to Pull personal credit reports due to trying to buy a house or even rent and continued to be denied due to new debt in amount of {$3400.00}. When were fe and I pulled 3 bureau from FICO we Found Fair credit and Out XXXX with a partial account # on credit reports for {$3400.00}. Called to get online access to view what the account was for and some kind of verification/validation of the debt. The lady my wife spoke with asked for basic information and to verify who she was. My wife had me record the call on video to ensure she could reposted later or provide for documentation purposes if needed. The agent provided us with a username- which was ( XXXX ) and then a pin that was 4 numbers ( XXXX ). She then stated it was a debt for XXXX XXXX and ends the call. My wife logged in online and there was no direct information In regards to the debt at first it was personal information that was listed to identify the owner of the debt, which was only my wifes information some of the information was her personal information but then she noticed addresses that were not hers or mine from current or past residence in Indiana and have never been mine, along with other mis information like multiple phone numbers not hers or mine which I personally know we have maintained having the same cell numbers since XXXX. My wife tried to find a place to update the information but all the site tried to do was force her to agree that the information was correct and she didnt have an option to even update my information as it only showed her on the debt even though both our credit reports have listed as joint debt to this company. Beyond that page there was a page that showed the same basic info debt {$3400.00} and account # which was the numbers wife was given as the acct username. Since my kids, wife and myself are homeless we have tried finding more detailed information, options to settle or setup payment arrangements but there was just an option to pay the debt. No charge descriptions beyond XXXX. My wifes call and subsequent login was XXXX XXXX. Ive received no letters by mail neither hs my wife and we hve a postal box established and usps has verified and our mail goes to it, it also is on our credit reports so we know we are listed and able to receive mail at it and no one has contacted by phone even prior to our call from Fair Credit and Out. This debt on our reports is causing my family to continue being homeless. We did record my wifes phone call on video to ensure I /shewas able to verify info. As well as recorded myself and her logging in. On XXXX XXXX she attempted to login using the same information as this is the only debt currently being stated as a block for my family being approved to rent, the login doesnt work, so we recorded her and I attempting to login from her cell phone and being denied access and then same issue from my device as well as we attempted from a computer and it states the account information is incorrect. We both rechecked our credit reports and they still show Fco ( XXXX name of agency ), XXXX ( XXXX agency name listed ), and Fair Collections & Out ( XXXX agency listed ) last updated balance date XX/XX/XXXX still showing {$3400.00} So I dont understand how my login I was provided is inaccurate. Im also unable to have addresses that arent mine dispute and removed with credit bureaus due to them stating tied to the collection account for this company so its creating a fraud trigger or unverifiable identity with landlords and such. I was directly denied a rental house on XXXX XXXX and ithey stated this debt was too new and being in collections for a rental company. I have never and my wife has never rented from FCO or fair credit and out and we do not have any letters or communications received let alone contracts or collection notices that were even sent to be able to dispute the debt or vealidate it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation