Consumer complaint received 2017-04-03
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
On XX/XX/2017, I sent a dispute for investigations to the credit bureaus regarding an alleged debt that was mysteriously added on my credit reports without ever receiving a dunning letter. I then received a response from the credit reporting agencies the debt is accurate and if I had additional questins/concerns to contact Fair Collections & Outsourcings at their address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 

On XX/XX/2017, I proceed to send Fair Collections & Outsourcings a letter requesting validation of the alleged debt they are reporting on my credit reports. On XX/XX/2017, I received a " settlement '' letter and a generic lease from them, both dated XX/XX/2017. 

On XX/XX/2017, I filed a complaint with CFPB, and received a response from Fair Collections & Outsourcings on XX/XX/2017 stating that they do not own the debt and that the original creditor does. 

On XX/XX/2017 at XXXX, I contacted the alleged original creditor that they are reporting as XXXX at XXXX, I googled the company. I spoke to XXXX who stated that she did not have an employee number. XXXX stated that she did not have any information with my name and last XXXX of my social which I provided to her. She then provided me with the number XXXX stating to contact the number which is for " former resident of XXXX ''. 

On XX/XX/2017 at XXXX, I called the number XXXX, a recording came on stated that : " due to high call volumes, they recommend to email them or leave a message ''. I then proceeded to leave a message saying that the message is for XXXX and to contact me. 

On XX/XX/2017 at XXXX, I received a call from XXXX and the representative stated that her name is XXXX XXXX from Fair Collections & Outsourcings and it is an attempted to collect a debt and returning my call, and continued to ask how would i like to make a payment? I informed her that I did not request for them to call me so I am unaware on where she would get the idea to contact me when I specifically sent a certified letter to them on XX/XX/2017 stating to not contact me via telephone and to mail me out the validation of this alleged debt. I also requested that she send me legal documents showing that she and her company are indeed authorized to collect on this alleged debt that they have not been able to validate and stated that they do not own. She got agitated and raised her voice stating that she does not have to provide me with any documents that shows that she is authorized to collect on this uncollectable debt. 

In their response letter to my previous complaint, they stated that they did not respond to my validation letter because the account was " verified '' and I am in the mistaken belief that they own the debt. Their exact wording was : " As the account had been previously been verified and the consumer requested no further contact, a response was not made to the XX/XX/2017 letter. ''

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