Consumer complaint received 2024-05-30
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

I am writing to formally lodge a complaint against Fair Collections & Outsourcing for their continuous violations of my consumer rights under federal law. Despite my efforts to resolve these issues directly with the agency, their actions have persisted, causing undue stress and harm to my financial standing.

Fair Collections & Outsourcing has engaged in practices that violate my rights as a consumer, specifically under 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ). These regulations mandate that debt collectors must provide clear, accurate, and complete information regarding the debt they are attempting to collect. However, Fair Collections & Outsourcing has failed to comply with these requirements in the following ways : Inadequate Validation of Debt : Fair Collections & Outsourcing has not provided sufficient validation of the debt they claim I owe, despite my requests for such information. This lack of transparency contravenes the requirement to provide clear and accurate information as outlined in 12 CFR 1006.34 ( b ) ( 5 ).

Failure to Disclose Information : According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), debt collectors are required to disclose certain information about the debt, including the name of the creditor to whom the debt is currently owed. Fair Collections & Outsourcing has failed to provide this essential information, leaving me unable to verify the legitimacy of the debt.

Misleading Representations : Under 12 CFR 1006.34 ( d ), debt collectors must avoid misleading representations in their communications. Fair Collections & Outsourcing has repeatedly sent communications that are misleading and confusing, in violation of this regulation.

Failure to Report Accurate Information : According to 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ), furnishers of information to credit reporting agencies must ensure the accuracy and integrity of the information they provide. Fair Collections & Outsourcing has furnished inaccurate and unverified information about the alleged debt to the credit reporting agencies, causing harm to my credit report and financial reputation.

The Fair Debt Collection Practices Act ( FDCPA ) and the specified sections of 12 CFR 1006.34 and 15 U.S.C. 1681s-2 are designed to protect consumers from such abusive practices. Fair Collections & Outsourcing 's actions are in clear violation of these protections, and I urge the Consumer Financial Protection Bureau to take immediate action to address these violations.

I request that the CFPB investigate Fair Collections & Outsourcings practices and ensure they comply with all relevant laws and regulations. Additionally, I ask that any erroneous and unverified information related to this debt be removed from my credit report and that Fair Collections & Outsourcing ceases all further communication with me until they can provide full and accurate validation of the debt.

Enclosed with this letter are copies of all relevant communications with Fair Collections & Outsourcing, including their misleading and harassing messages.

Thank you for your prompt attention to this serious matter. I look forward to your response and a resolution that upholds my rights as a consumer.