Consumer complaint received 2022-07-02
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I learned from a prospective landlord that my application was denied because a previous landlord, XXXX XXXX XXXX XXXX, a XXXX XXXX, had placed a debt of {$27000.00} on my credit report by contracting with a collection agency, Fair Collections and Outsourcing, Inc. I checked my credit report and saw that the landlord obscured its identity and detection by withholding its corporate name from the collection agency using only a portion of the name of the apartment complex, showing only The XXXX. The collection agency has never contacted me by mail or phone and has no record of my phone number in its database. Since I moved out of the apartment complex on XX/XX/XXXX, the landlord and the collection agency have collectively deprived me of my FCRA and FDCPA and other consumer collection rights to be informed of the debt, which further deprived me of the opportunity to dispute the debt, until now, after being denied housing because the landlord ruined my credit by entering into a fraudulent contract with the collection agency in furtherance of the landlord 's ongoing acts of retaliation against me. The landlord does not and could not have a valid judicial order to collect any amount from me, let alone an amount as high as {$27000.00}. By the way, this amount shocked the potential landlord, who said she's never seen anything so high from a previous landlord and knew something was wrong. The landlord could not have supplied the collection agency with a valid judicial order for this amount or any other amount, when she contracted with the collection agency to place this amount not owed on my credit report. I was never notified of a judicial process and had no opportunity to appear or to be heard in a court of law or to exercise my constitutional rights under the XXXX, XXXX, XXXX, and XXXX amendments. Should the collection agency attempt to provide what it believes to be a valid judicial record provided to them by the landlord, the collection agency should consider that the landlord obscured its corporate name from the record to trick it into entering into an unconscionable contract to collect a debt falsely created by the landlord, for the specific purpose of using the collection agency to carry out the landlord 's own acts of retaliation against me. If there is an attempt by the collection agency to show a judicial award of any amount, the record is VOID due to public corruption, and the collection agency should treat it as if it never existed, per the Law of Void Judgments, due to deprivation of my constitutional rights, as mentioned, as I was not notified of any such judicial process. It is evident, considering that the collection agency has placed an adverse account on my credit report that the landlord 's regional XXXX, XXXX XXXX, obscured this fact from the collection agency for the specific purpose of using a XXXX party XXXX to elicit her acts of retaliation against us by ruining my credit, knowing it will make me chronically homeless. The landlord 's regional XXXX is actively engaged in retaliating against me with the assistance of her attorney, XXXX XXXX XXXX and his firm 's senior partner, XXXX XXXX XXXX. This debt is retaliatory because the landlord lost, due to its own default, a DTPA violations lawsuit on XX/XX/XXXX, four weeks prior to XX/XX/XXXX. The lawsuit is a multimillion-dollar lawsuit, and the landlord 's regional XXXX has conspired with the presiding judicial officer and the county clerk, with the help of her attorney, to withhold issuing default judgments against XXXX defendants named in the lawsuit who also defaulted. The judge, the county clerk, and several officers of the court are subject to and soon to be sued in US District Court for conspiracy to obstruct justice and their collective acts of denying and depriving me of my constitutional, federal, state, and local rights, while acting under XXXX of law. As a result of this, I am impoverished and chronically homeless with no way out so long as this retaliatory debt remains on my credit report. The landlord 's regional XXXX is named as a defendant in the DTPA lawsuit, along with her attorney, also named as a defendant, and both are clearly actively engaged in violating my consumer protection rights and my rights under the FCRA, the FDCPA, and the TX Debt Collection Act, and other federal and state rights which protect me from suffering a retaliatory, false, and fraudulent adverse account being place on my credit report. In the regional XXXX 's and her attorney 's conspiratorial acts of retaliation against me for exercising a protected right or remedy for my filing of and winning, through their own default, the XXXX lawsuit on XX/XX/XXXX, her anger and hatred toward me are shown in this false and fraudulent adverse account report appearing on my credit report. Last week, I contacted the landlord 's attorney directly and spoke with him by phone at length in regard to his and his client 's ongoing conspiratorial acts of retaliation against me for filing and winning the DTPA lawsuit and demanded that he immediately advise his client and the collection agency to immediately CEASE and DESIST in making any further attempts to collect this retaliatory debt not owed, and further demanded that the debt be immediately removed from my credit report, so that I may obtain permanent housing. I copied a follow-up email dated that same day, to the senior law firm partner, who is the most recent former Texas XXXX XXXX , whose commission expired on XX/XX/XXXX, demanding that the retaliatory debt be removed from my credit report and to immediately CEASE and DESIST in further collection efforts by removing the adverse account from my credit report. As a result of this hidden retaliatory debt not owed, I have been homeless and living in hotels for XXXX weeks, a state of living considered to be chronic homelessness. As a further result of this retaliatory debt not owed appearing on my credit report under adverse accounts, I have no way out of homelessness and into permanent housing, unless or until my credit report is fully corrected and the adverse account showing this debt is permanently removed. This landlord 's regional XXXX and her attorney 's egregious retaliatory acts of fraud, fraudulent billing, false and fraudulent credit reporting and refusal to remove the debt from my credit report, is destroying my life and injuring me, by making me irrecoverably mentally, emotionally, and physically ill. This landlord and her attorney must, just like everyone else, follow federal, state, and local consumer protection and credit reporting, billing, and collection laws. Thereby they must IMMEDIATELY completely remove the adverse collection account from my credit report.

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