Consumer complaint received 2021-11-29
Company: Fair Financial Corp.
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX I returned a vehicle that I was leasing for the purposes of driving for rideshare, that was originally leased through XXXX XXXX leasing, later sold to a company named Fair, the vehicle was returned to fair with no infraction to the contract, and no deficient balance. I verified with Fair before and after returning the vehicle multiple times that there would be no outstanding balance, and I have never been contacted by Fair in any way since returning the vehicle. 

I have been registered at my previous address and at this address, I have not changed my phone number, I have not changed my name I have not changed any other identifying information and no debt of any sort has ever been communicated to me by either XXXX XXXX XXXX, fair, or XXXX XXXX XXXX XXXX. Since XXXX no debts or collections have appeared on any of my credit reports. 

I was notified by XXXX on XX/XX/XXXXregarding an alleged debt. I have reason to believe I do not owe this debt because I have never been contacted in any form by XXXX XXXX XXXX, XXXX ; I verified my account in good standing before closing the account is FAIR Leasing ; I verified my account in good standing after closing the account is FAIR Leasing, I have never been contacted in any way by FAIR Leasing since closing the account ; I verified that I did not infract any clause within the lease agreement before and after returning the vehicle, and I have I had no collections activity reported on any of my credit reports since the account was verified closed in good standing in XXXX XXXX. I mailed a demand letter which was received on XX/XX/XXXX I received a response from XXXX dates XX/XX/XXXX, which complies with 15 U.S.C.1692g, and includes the name and address of the original creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Texas XXXX ) Further, XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX, XXXX XXXX or XXXX ), is not reachable, when you call it goes straight to voicemail and there is not an option for extension XXXX or XXXX. 

So the debt collection agency, XXXX is attempting to comply with or appear that they are complying with the federal statute, but they are representing a company that has never contacted me, has never appeared on my credit report, and can not be called, and I have never been informed of any debt with the original Creditor/Leader " XXXX XXXX XXXX '', which was bought by Fair, and Fair is now out of business and unable to be contacted and you can no longer access any of their customer accounts, and I have never been informed of a transfer of debt or an existence of debt with any of the aforementioned companies, except the attempt at collections by XXXX. I have records of all the communication, all of the transactions from the original lease, all of the communications between me and the debt collector have been written and recorded. 

So, I am asking to file this complaint against XXXX who I believe is representing either a company or a debt or both falsely, or that they simply do not exist. 

Communications from the debt collections company frequently contain typos, such as the city in which XXXX XXXX XXXX is located XXXX XXXX XXXX  '', nor XXXX XXXX, or an unusual number appearing in front of the company 's name " XXXX XXXX XXXX XXXX ''.

Company response to consumer: Closed with explanation