Consumer complaint received 2022-08-02
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Fair Collections and Outsourcing XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Re : Acct No XXXX To Whom It May Concern : In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you sent. Please note, that your claim is disputed and validation is demanded. 15 USC 1692g I do hereby request that your office provide me with complete documentation to validate that I owe the said debt and have any legal obligation to pay you. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt, and explanation of how debt was obtained. 
The agreement bearing my signature stating that I have agreed to assume the debt. 
Valid copies of the debt agreement stating the amount of the debt and interest charges, and an explanation of how this was calculated Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed, an full audit trail. 
Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus XXXX XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing a CFPB complaint against you for the following : * Violation of the Fair Credit Reporting Act - reporting inaccurate information * Violation of the Fair Debt Collection Practices Act - continuing collection activity on a debt which has not been validated This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. 

REQUEST FOR CEASE AND DESIST OF CONTACT BY YOUR OFFICE : I would also like to request, in writing, no further contact, either in writing or telephone be made by your offices to my home or to my place of employment, unless it is to provide validation or release of liability of the debt. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for any costs and I may incur. 


Thank you, XXXX XXXX Last 4 of SSN XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX

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