Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI

Complaint narrative:
I am writing to formally express my deep concern and dissatisfaction regarding a recent credit reporting issue that has significantly impacted my credit score. This is the second time I am submitting a request to address the reported debt of {$200.00}, which I believe is unjust and has negatively affected my financial standing. 

Background : I resided at XXXXXXXX XXXX XXXX for XXXX years. Upon the expiration of my initial lease, my wife and I applied to renew the lease, and the property manager initially agreed to the renewal. However, in the final week before the lease expiration, we were unexpectedly informed that we were required to move to a larger two-bedroom apartment with a higher rent of {$1600.00} due to the presence of our infant daughter. Feeling uncertain and under pressure, we reluctantly searched for alternative housing and vacated the premises before the lease expired. 

Subsequent Issues : After our departure, there was a complete lack of communication from the property manager. To our surprise, both my wifes and my credit scores were adversely affected by the reporting of a debt that we had no prior knowledge of. Notably, the debt collector failed to contact us before reporting this negative entry, leaving us blindsided by its detrimental impact on our financial profile. 

Current Actions Taken : I submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/year>, case number XXXX, but I am still awaiting a resolution. I have waited over a year for any tangible action to be taken, but no progress has been made. In addition, I have called XXXX, the debt collector, every single month since the issue arose. Each time I called, I was told that the matter was " under investigation. '' Despite these repeated inquiries, no updates or resolutions have been provided. 

Impact on XXXX XXXX : This unresolved issue is now affecting my career and national XXXX XXXX. I am currently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and this {$200.00} debt is causing significant delays in the process. The negative credit entry is directly impacting my ability to move forward with this investigation, and I am at risk of losing the opportunity as a result. Any assistance you can provide to resolve this matter would be greatly appreciated. 

Request for Resolution : In light of the circumstances outlined above, I am formally requesting a thorough investigation into this matter. I kindly ask for the following actions to be taken : Validation of Debt : I request proper documentation validating the legitimacy of the reported debt. 

Dispute Resolution : I ask for your assistance in disputing the inaccurate debt reporting with the relevant credit reporting agencies.

Explanation and Rectification : I seek a clear explanation for the reported debt and its subsequent negative impact on my credit score, along with appropriate measures for rectification.

Communication : I request open and transparent communication regarding the resolution process and any further actions required on my part. 

This issue is urgent and has significant consequences for my professional career. I trust that you will address this matter promptly and fairly. If necessary, I am prepared to seek legal counsel to ensure that my rights are protected and that this issue is resolved in accordance with applicable laws. 

Thank you for your attention to this urgent matter. I look forward to a swift resolution.

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