Consumer complaint received 2016-03-08
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This complaint is against Fair Collections and Outsourcing XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, The XXXX at XXXX XXXX XXXX, managed by XXXX XXXX XXXX : On XXXX/XXXX/XXXX, I rented an Apartment then managed by XXXX XXXX, XXXX XXXX XXXX XXXX, in XXXX, XXXX. In XXXX XXXX, due to unforeseen life events, I was forced to take care of a parent that constituted me to move out of the complex before the lease expiration in XXXX XXXX. Per the contractual obligation, I provided a 30 day notice to XXXX XXXX. I paid the rent for XX/XX/XXXX and XX/XX/XXXX. Even though I fulfilled my part of the obligation, XXXX XXXX without disclosing forfeited the security deposit of {$1000.00} in addition to the full rent in the amount of {$2100.00} In or around XXXX of XXXX, without my knowledge, XXXX XXXX contracted the collection agency and demanded yet another {$2700.00}, but did not give a reason and or sent any written correspondence. Based on FDCPA and FCRA guidelines, XXXX XXXX, failed to notify me within 30 days of the action they had taken. There was also no communication from Fair Collections and Outsourcing. 
I became aware of this collection item XX/XX/XXXX, when I attempted to rent an apartment in XXXX, XXXX After doing much due diligence I discovered there was an amount of {$2700.00} being reported on my credit report. I immediately contacted the complex in XXXX, XXXX and spoke to the property manager XXXX XXXX. After doing her research, XXXX XXXX advised me that since the account was more than 4 years old, they have no information on the amount owed and were not able to furnish any supporting documentation. XXXX XXXX advised me that I need to contact the aforementioned collection agency and customer service for XXXX XXXX. ( XXXX properties who now manages the complex and took over all the financial obligations/portfolio managed by XXXX XXXX, has been unsuccessful to furnish any documentation ). I reached out to XXXX XXXX at XXXX properties on several occasions and did get a return phone call. 
I also reached out to Fair Collection and Outsourcing and spoke to a representative and specifically asked for supporting documents showing the validity of their demands. The agent was not able to provide me with any specifics, even though I advised him that the balance owed was not valid. He further stated that the only information he could share was the amount demanded by XXXX XXXX. This is a violation of SS 809. Validation of Debts [ 15 USC 1692g ], It is evident from my credit report that Fair Collections and XXXX XXXX failed to comply with FDCPA and FRCA regulations. Neither party can furnish supporting documents. The last update provided by the collection agency was on XXXX/XXXX/XXXX, even though I contacted the collection agency in XX/XX/XXXX, they did not make any effort to update my credit report, or make an effort in good faith to resolve my concerns. 
Desired Outcome : Based on the aforementioned facts, I hereby, within my rights seek that this inquiry be removed from my credit reports by the collection agency. 
Both XXXX XXXX and XXXX Collections are fined for blatantly violating FDCPA & FCRA laws. Not being able to furnish documents which generally have a retention requirement of 7 years. I further seek monetary compensation from XXXX properties for the forfeited security deposit in the amount of {$1000.00} Next steps : If XXXX is unable to resolve this matter amicably, I will move forward with an official complaint with XXXX State Attorney General for deceptive business practices and violations of the XXXX Business & Professions codes. 
Thank you for your time and attention to this matter.

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