Consumer complaint received 2022-06-28
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Fair Collections & Outsourcing has furnished a non-validated and false claim on my consumer credit report. Every time I contact them through the mail, all they do is ignore my requests. The only thing they provided was an illegible copy of a lease agreement which wasn't a trilateral contract and doesn't have anything to do with me. I told them to validate the {$8200.00} they have furnished on my report per 15 U.S. Code 1692g - Validation of debts ; What constitutes legal validation, and they refuse to do so. They failed to provide me with complete payment history, the requirement of which has been established by XXXX v XXXX, XXXX XXXX XXXX ; XXXX XXXX. App. XXXX  XXXX. They failed to provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount they say I owe obtained directly from the Original Creditor. They failed to provide My full, complete and correct social security number that may help to identify me as the correct person they are trying to collect from. They failed to provide an agreement that bears the wet signature of the alleged debtor wherein he agreed to pay the original creditor. They failed to provide a trilateral contract in which I am bonded to them, them to The Edition, and The Edition to me. They failed to provide The obligation between them and I that allows them to collect on the alleged debt and any transactions between their company that binds me to an agreement to pay them any money that they claim I owe. They failed to provide Proof of photo identification ( i.e., driver 's license, state identification card, or other government-issued identification cards ) that was presented to them at the time of incurring this debt. They failed to provide a Letter of sale or assignment from the original creditor to your company. ( Agreement with their client that grants them the authority to collect this alleged debt. ) XXXX XXXX XXXX XXXX Services, XXXX, XXXX XXXX XXXX ( D.Conn., XXXX XXXX, XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where at issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. They Failed to provide proof that this debt has not been written off as a tax liability. They failed to provide any other intimate knowledge of the creation of the debt by themselves, the collection agency. Under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until this debt is validated, yet they failed to stop pursuing collection activity and put a blatant lie on my consumer credit report. They where made aware that in XXXX v. XXXX XXXX, XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX ), the court ruled that reporting a collection account is, indeed, considered collection activity. I MADE IT CLEAR that I was NOT requesting Partial Validation but rather, was requesting for EVERYTHING listed here in order to constitute full and sufficient validation of this debt. Which they have failed to do.

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