Consumer complaint received 2022-02-01
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am trying to buy a house. two mortgage companies and a highly esteemed credit repairing company both tell me I need to get the negative item off my report because 1 ) {$0.00} balance 2 ) Fully Settled. Then i got bounced between Credit Reporting Agency and a " slimy '' collection agency, XXXX, that say they can't delete the item even though its settled and the only Collections Item on my report, however it also " implies '' I was either late on the rent or didn't pay it altogether! Which is 100 % false ... ..I had to leave early of the 2nd lease at XXXX XXXX , XXXX XXXX XXXX XXXX due to two fires in a month. At the time I was watched by a XXXX XXXX, I had 50 % custody or a minor child and still in a XXXX XXXX year divorce case in XXXX XXXX , Florida ... The collections company laughs when i call them, they just keep changing the seven year date when it falls off, saying it's company policy not to delete. 
Today after speaking to their Property Manager, who put me into collections in the first place, said she spoke to them and getting it deleted off my reports is another process. What Process? XXXX is playing games, the Collection Company and the parent company, XXXX XXXX XXXX had this to say, '' XXXX XXXX, My name is XXXX XXXX. I am the Senior Vice President with XXXX XXXX XXXX. I oversee the Florida XXXX for the company. We have received your communication about the difficult position you are in regarding your credit report. We can understand your frustration. I looked into the situation. XXXX updated your credit report to reflect a paid as agreed with a zero balance. The collection line item will remain showing since it was indeed a collection. It will and should already show that it was paid. We see credit reports often with this status. It is up to the company reviewing for credit risk to determine if they want to accept your application or not. The reporting that XXXX and XXXX did was accurate and is still accurate. You paid XXXX a settlement of your debt. You should be able to provide the letter you attached to anyone you are applying to for new credit. Again, however, it is their decision to approve or deny your request. 



I can confirm that of the 14 months you resided in our community, you paid as agreed all 14 months. We certainly appreciate your on time payments. If it will help, we are always willing to provide a residency verification for your with your signed written approval. 



Please let us know if we can assist with any further verifications of your residency with XXXX. 



Thank you XXXX XXXX Senior Vice President XXXX XXXX XXXX Email : XXXX '' * If what XXXX XXXX says is true, the collections company needs to also put that I paid my rent on time, every month as her email states as a company executive '', if not this clearly puts them in VIOLATION of the FCRA in terms of being accurate and fair to the letter of the law! Please have XXXX XXXX XXXX and XXXX XXXX have their collections vendor remove this inaccurate and unfair " negative '' account, if they can't counter with the truth on my report. They have had it on my profile for almost two years since I lived at XXXX XXXX, what would XXXX XXXX XXXX have to gain from leaving on my report, violating the very nature of the Fair Debt Reporting Act. Also let all 3 Reporting Agencies, XXXX, XXXX and XXXX know this is indeed in violation of my consumer rights under section 617 of the FCRA and must be corrected or moved, not just glossed over stating they have reported accurately under the FCRA, because without saying I paid my rent there ON TIME, EVERY TIME for NOT 1, but 2 Leases!

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