Consumer complaint received 2022-01-10
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I XXXX XXXX has been violated of my consumer rights by Fair Collection & Outsourcing. Fair Collections & Outsourcings , Inc. is reporting fraudulent account on my credit file with the amount of {$5600.00} which is a violation of 15 USC 1692f ( 1 ) of the FDCPA. The Fair Debt Collection Practices Act ( FDCPA ) protects consumers like I Pursuant to 15 USC 1692a ( 3 ) consumer " means any natural person obligated or allegedly obligated to pay any debt. The Fair Debt Collection Practices Act is to protect consumer from abusive, deceptive, and unfair debt collection practices by many debt collectors. Pursuant to FDCPA 15 USC 1692b ( 2 ) debt collection Fair Collections & Outsourcings , Inc. is in violation of the FDCPA for stating that I the consumer owes any debt. Fair Collections & Outsourcings , Inc. is in violation of 15 USC 1692 ( b ) ( 5 ) and 15 USC 1692f ( 8 ) for using their symbols on mail that they sent to my residence that I didn't give them permission to send. Pursuant to 15 USC 1692c ( c ) of the FDCPA I refuse to pay the debt and request Fair Collections & Outsourcings , Inc. to cease all collection activities through all mediums immediately. Pursuant to 15 USC 1692c ( c ) ( 1 ) of the FDCPA terminate further collection activities. Pursuant to 15 USC 1692c ( c ) ( 2 ) of the FDCPA revoke my remedy for these violation committed against me the consumer by Fair Collections & Outsourcings, Inc the debt collector. Fair Collections & Outsourcings , Inc has harassed me by reporting this false and misleading information on my consumer report in violation of the FDCPA 15 USC 1692d ( 2 ) and 15 USC 1692e ( 4 ). Pursuant to the FDCPA 15 USC 1692g Fair Collections & Outsourcings , Inc must verify the the alleged debt.Provide breakdown of fees including how you calculated what you claim I owe. Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.Send me proof that you are licensed to collect debt in the my state.Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. Pursuant to 15 USC 1692g ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. Pursuant to 15 USC 1692j Fair Collections & Outsourcings , Inc is in violation for furnish deceptive forms knowing that furnishing this information on my credit file would create a false belief I the consumer in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Fair Collections & Outsourcings , Inc has failed to comply with the provisions of this subchapter with respect to me the consumer is liable for damages as the court may allow up to {$1000.00} each violation by Fair Collections & Outsourcings , Inc. Pursuant to 15 USC 1692I ( a ) The Federal Trade Commission shall be authorized to enforce compliance with this subchapter, a violation of this subchapter shall be deemed an unfair or deceptive act or practice in violation of that Federal Trade Commission Act.

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