Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I am filing a formal complaint regarding multiple fraudulent, re-aged, and inaccurate accounts that have been added to my XXXX  credit report, all of which have caused significant financial damage and denial of housing. These accounts were never properly validated, have inaccurate information, and are being reported in clear violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). In XX/XX/XXXX, a collection tradeline from FAIR COLLECTIONS & OUT was added to my XXXX  credit report, claiming a balance of {$9700.00} allegedly owed to The XXXX Apartments. This account is marked as charged off, but FAIR COLLECTIONS & OUT is not the original creditor, or received billing statements, an itemized ledger, or any legal notice from them. Despite disputing this account, no proper documentation has ever been provided. It was reported with an Opened Date of XX/XX/XXXX, and a Last Updated date of XX/XX/XXXX clearly indicating illegal re-aging, as this alleged debt stems from several years prior. It has no basis in contract or law. 

Separately, XXXX. XXXX XXXX reported a tradeline claiming to collect on behalf of XXXX  XXXX XXXX XXXX ( XXXX ). I have never had any utility account with XXXX, and the service address is unknown to me. XXXX. XXXX has not provided any proof of service, account statements, or signed application and failed to validate the debt when I disputed it. Again, this account is re-aged, with inflated amounts and an unknown service location, violating my consumer rights. 

XXXX XXXX XXXX has also reported a collection account allegedly tied to XXXX. This agency is a third-party debt buyer, and has never provided any evidence that they own this debt, have legal rights to collect, or that it was validly assigned to them. The reporting lacks any original agreement, billing history, or validation, and has inaccurate balances, manipulated open/update dates, and misleading account classifications. 

These accounts have appeared without validation, have been re-aged, and contain critical inaccuracies, causing me direct harm. I have submitted prior disputes and received no substantive response or correction. 



Identity Issues & Data Breaches : In addition to the above violations, my personal data has been exposed in multiple national data breaches, and my full name is very common, which has led to repeated cases of mistaken identity and misattributed accounts. I have previously had to dispute accounts, background checks, and utility services that were never mine. The combination of data breaches and name confusion has made me a high-risk target for erroneous reporting, which appears to be the case here again.

These agencies have reported high-risk tradelines with no validation, failing to follow required identity-matching procedures under FCRA and FACTA guidelines .

Federal Law Violations : Fair Credit Reporting Act ( FCRA ) : FCRA 602 These accounts have interfered with my ability to obtain housing and credit by reporting unverified and inaccurate information.

FCRA 605 ( a ) They have reported outdated, unverifiable, and re-aged accounts in violation of the 7-year rule.

FCRA 605 ( c ) The dates reported are manipulated, indicating illegal re-aging of debt to extend its presence on my file.

FCRA 609 ( a ) ( 1 ) I was not provided with original documents such as leases, utility records, or service contracts to validate any of these debts.

FCRA 611 ( a ) ( 1 ) ( A ) Despite formal disputes, these accounts were verified without any actual reinvestigation.

FCRA 623 ( a ) ( 1 ) ( A ) The furnishers knowingly reported false and misleading data ( dates, balances, ownership status ).

FCRA 623 ( a ) ( 2 ) They failed to update or remove inaccurate data after being notified.

FCRA 623 ( b ) There was no reasonable investigation, response, or data correction after dispute.

FACTA Section 312 / 12 CFR Part 1022 ( Regulation V ) These furnishers failed to maintain accuracy and integrity in their reporting systems, particularly with identity-matching in my case.

Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692g No debt validation was provided within 30 days of notice.

15 U.S.C. 1692e ( 2 ) ( A ) Misrepresentation of the character, amount, and legal status of these debts.

15 U.S.C. 1692e ( 8 ) Continued reporting of disputed debts without notation or resolution.

15 U.S.C. 1692f These collection attempts are deceptive, unfair, and lack substantiation.

Direct Harm Caused : These accounts have resulted in multiple housing application denials, putting me at risk of housing instability and displacement. I was denied rental approval due to the high balances and derogatory nature of these entries. This is a direct result of illegal reporting practices, compounded by identity confusion due to a common name and past data breaches beyond my control. The XXXX  and obstacles caused by this situation are significant. 



Requested Resolution : I demand the immediate and permanent removal of the following accounts from all consumer credit reporting agencies : 1. FAIR COLLECTIONS & OUT ( Original Creditor : XXXX XXXX XXXX ) 2. XXXX. XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) 3. XXXX XXXX XXXX ( Original Creditor : XXXX ) If this is not resolved : If these accounts are not deleted, I intend to file complaints with : The Federal Trade Commission ( FTC ) My State Attorney Generals Office And seek relief through civil litigation, under : FCRA 616 Willful noncompliance FCRA 617 Negligent noncompliance FDCPA 813 Civil liability for deceptive practices This is not only about credit scores it is about my basic right to secure housing and live free from fraudulent harm. I demand full deletion of these inaccurate, unverifiable, and damaging tradelines.

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