Consumer complaint received 2021-06-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (DC)

In XXXX of XXXX, I moved into an apartment that I was never given the opportunity to inspect or see before I received the keys. I have never even signed a lease with the property. I have a documented knee XXXX which after seeing where the apartment was located I contacted the former property owner and filed a complaint about the issues with the stairs and if I could be moved into an apartment on the lower level. Before any of this could take place the property was sold. In XX/XX/XXXX I went to court because I had entered my rent into escrow for a lot of deficiencies that my apartment had. In XXXX and XXXX of XXXX, there was an Inspector that came to my apartment and did a very poor job of performing an inspection, he didn't even inspect the issues I was complaining about. The inspector ran through my apartment and the rental office took their time fixing the issues he did state.3617. Interference, coercion, or intimidation It shall be unlawful to coerce, intimidate, threaten, or interfere with any person in the exercise or enjoyment of, or on account of his having exercised or enjoyed, or on account of his having aided or encouraged any other person in the exercise or enjoyment of, any right granted or protected by section 3603, 3604, 3605, or 3606. 
In XXXX through XXXX, the property had to go through a procedure that drained water from the bottom level apartments, which confirmed that there was definitely mold in the buildings. I had complained for months that my apartment had possible mold issues because I was experiencing severe breathing issues. 
MD Code 20-305 ( a ) " Reasonable accommodation '' defined. -- In this section, " reasonable accommodation '' means to make a place of public accommodation suitable for access, use, and patronage by an individual with a XXXX without : ( 2 ) undue hardship or expense to the person making the accommodation. 24 CFR 100.204 ( a ) It shall be unlawful for any person to refuse to make reasonable accommodations in rules, policies, practices, or services, when such accommodations may be necessary to afford a handicapped person equal opportunity to use and enjoy a dwelling unit, including public and common use areas. 42 U.S.C. 3604 As made applicable by section 3603 of this title and except as exempted by sections 3603 ( b ) and 3607 of this title, it shall be unlawful ( B XXXX a refusal to make reasonable accommodations in rules, policies, practices, or services, when such accommodations may be necessary to afford such person equal opportunity to use and enjoy a dwelling. 
In XXXX for the last escrow hearing XXXX XXXX, the Council for XXXX XXXXXXXX XXXX  XXXXXXXX XXXX and manager for the property agreed to move me into another apartment because of my doctor and my request for Reasonable Accommodation. According to the Fair Housing Act they have 10 days to acknowledge receipt of the complaint, 20 days after receipt to accept or reject and 30 days after that to respond, they acknowledged receipt of my complaint and agreed to move me all in the same day which was on XX/XX/XXXX. 30 days after that day I called the rental office for an update and they had nothing and one of the employees had no clue what I was talking about. At this point, I'm going to the emergency room frequently for my XXXX and complaining regularly to my doctor about my XXXX XXXX and issues. Finally in XXXX, I decided to start looking for somewhere else to live after being told they still couldn't do anything for me regardless of all of the open and available apartments they had available. I moved in XXXX I went to court in XXXX for unpaid rent and XXXX XXXX the Council for XXXXXXXX XXXX XXXX  XXXX XXXX  dismissed the case because I had moved out. In XXXX of XXXX, I received a message from the credit bureaus saying that Fair Collections and Outsourcing says I owe them money from XXXX XXXX XXXX XXXX XXXX. But now I do not have a contract with honestly either Fair Collections and Outsourcing or XXXX XXXX XXXX XXXX XXXX. And 15 U.S.C. 1692g basically says that a contract or statement does not prove that the debt belongs to me. XXXX XXXX XXXX XXXX XXXX never informed of any kind of debt before they sent it to a collection agency. 
Fair Collections and Outsourcing has violated multiple U.S. Codes. 15 USC 1692b ( 5 ) ; Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shallnot use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 15 USC 1692b ( 2 ) ; Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shallnot state that such consumer owes any debt ; 18 USC 1342 ; Whoever, for the purpose of conducting, promoting, or carrying on by means of the Postal Service, any scheme or device mentioned in section 1341 of this title or any other unlawful business, uses or assumes, or requests to be addressed by, any fictitious, false, or assumed title, name, or address or name other than his own proper name, or takes or receives from any post office or authorized depository of mail matter, any letter, postal card, package, or other mail matter addressed to any such fictitious, false, or assumed title, name, or address, or name other than his own proper name, shall be fined under this title or imprisoned not more than five years, or both. Another issue is that I never gave anyone permission to furnish or report anything to a credit bureau or consumer reporting agency. Since reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and based on 15 U.S.C. 1681b ( a ) ( 2 ) any consumer reporting the agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have never given any credit bureau or consumer reporting agency my written permission to report to them. I sent out letters back in XXXX to XXXX XXXX, and XXXX requesting that they delete the accounts in their system as well as phone calls to all of the agencies since I did not authorize their reporting services. As of today, I have not received a response nor have the account been removed as requested.