Consumer complaint received 2023-09-26
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  : I was in the dispute process with XXXX XXXX XXXX 

XX/XX/XXXX : XXXX XXXX ignored my dispute and sent the bill for {$800.00} to Fair Collections & Outsourcing. 

XX/XX/XXXX : Dispute was opened with XXXX. ( No stop to collections was made ) XX/XX/XXXX : I receive an email from XXXX with no subject line and no amplifying information. Attached documents are from XXXX XXXX showing a bill they had and our move out sheet. 

XXXX gave me no information regarding the dispute. I had no way of knowing whether the dispute was still open, If I was required to send more documentation, anything at all. I received no phone calls or email correspondence from XXXX since XXXX XXXX XXXX reports account to credit bureaus. 

XXXX  : I called XXXX to find out what the status is of this dispute. They told me that the case had been closed. Again, I received no correspondence alluding to this. I spoke with a representative and reviewed XXXX XXXX 's dispute attachments. In that dispute they showed a move out inspection sheet which I never received a copy of. On this check out sheet you will see additional inputs/handwriting that was not present during move out inspection. As you can see, the carpet was circled clean during inspection and later inputed " replace '' in different handwriting. The problem is the carpet was not needing a replacement during both pre and move out inspection. This carpet was practically new as you can see the lifespan that was left. XXXX XXXX claimed my XXXX dog ruined this carpet in the span of 5 months. If that was the case there would have been no error in circling the condition of the carpet during our in person move out inspection. I was not notified of the carpet replacement until XX/XX/XXXX. I moved out on the XXXX. One of the XXXX reps I spoke to felt bad about the situation and offered 20 % off the price. Knowing this was fraudulent practices by XXXX XXXX. 

XXXX XXXX I got in contact with a manager at XXXX. He stated he was going to reinvestigate this dispute. In my eyes, this account should not have even impacted my credit at this point. They want a copy of my move out inspection sheet which I did not receive a copy of. The only copy in existence is the one with fraudulent changes made after my signature. I was told that he would reinvestigate and speak with XXXX XXXX 

XXXX  : After no updates given, and my account reported to the credit bureaus I called XXXX. The manager stated XXXX XXXX reached back out and requested a copy of the original move out inspection sheet which does not exist. If I do not present this copy, XXXX deems XXXX XXXX correct. 

This is very one sided in my opinion. XXXX 's dispute process is a worthless and unfair process full of one sidedness and lack of communication. I was never made aware that the dispute was over and I had XXXX amount of days before this would impact my credit for a charge that was unethical.

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