Consumer complaint received 2021-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Ac

t, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " ver
ification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
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 or XXXX ) this action may 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 legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 
Sincerely XXXX, XXXX 1. Name and address of alleged creditor.

2. Name on file of alleged debtor. 3. Alleged account # 4. Address on file for alleged debtor. 5. Alleged account # 6. Am
ount of alleged debt.

7. Date ( this alleged debt became payable ).

8. Date of original charge or delinquency.

9. Was this debt assigned to a debt collector or purchased?

10. Amount paid if debt was purchased. 
11. Commission for debt if collection efforts are successful. 
Please attach copies of the following : Agreement with your client that grants Fair Collections & Outsourcing, the authority to collect this alleged debt. 

Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector. 


Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 

All statements while this account was open. 

Have any insurance claims been made by any creditor regarding this account? 
__Yes XXXX_No Have any judgements been obtained by any creditor regarding this account? 
__Yes __No Please provide the name and address of the bonding agent for Fair Collections & Outsourcing , in case legal action becomes necessary : Authorized Signature of Creditor : Date : You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter. 
Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.