Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
My former apartment complex ( XXXX at XXXX ) reported me to credit bureaus for failing to provide a 60-day termination notice, resulting in a charge for one month 's rent and a penalty that has significantly damaged my XXXXedit score. I offered to pay the balance in exchange for them removing the negative mark, but they refused. 

I demand for the immediate removal of the erroneous debt from XXXX records and the complete deletion of the associated negative line from my credit reports. The debt in question, totaling {$2300.00}, was wrongfully assigned to me following the conclusion of my tenancy at XXXX at XXXX in XX/XX/XXXX and has since been inaccurately reported to credit bureaus, causing significant harm to my financial standing. 

I was a tenant in good standing from XX/XX/XXXX to XX/XX/XXXX. The dispute arises from XXXX claim that I failed to provide a 60-day notice of non-renewal. This is false. The evidence, documented in my email correspondence with them, clearly shows that I provided notice in multiple forms, well within the legally required timeframe. 

Here is a timeline of the events : XX/XX/XXXX : I received a renewal offer via the official XXXX resident portal and immediately selected the option to " reject '' the offer. This electronic action within your system served as my formal written notice of intent to vacate at the end of my lease. 
XXXX XXXX : I had a direct, in-person conversation with an XXXX employee named XXXX, where I verbally confirmed I would not be renewing my lease. I explicitly asked if anything else was required of me, and he assured me, " we are good ''. 
XX/XX/XXXX : After receiving duplicative renewal notices, I sent another email to proactively reiterate my decision not to renew. 
XX/XX/XXXX : XXXX staff, specifically XXXX XXXX, disregarded my previous notifications and wrongly claimed my XX/XX/XXXX email was the first notice received. On the same day, I went to the leasing office in person and explained to XXXX XXXX that I had already provided notice weeks prior. XXXX XXXX assured me he could find a new tenant and that we would " find a resolution '' to avoid any penalties. 
XX/XX/XXXX : Acting in good faith based on XXXX XXXX 's assurances, I cooperated fully and vacated my apartment on XX/XX/XXXX, XXXX week before my lease officially endedto give your team additional time to prepare the unit for a new tenant. 
XXXX XXXX : Despite my timely notice and cooperation, XXXX failed XXXX secure a new tenant promptly and subsequently held me responsible. After a new tenant was found, XXXX XXXX initiated negotiations and offered a 10 % discount on XX/XX/XXXX, acknowledging a shared responsibility in the matter. I submitted a counter-offer but received no response. Without any further communication or warning, the account was sent to a collections agency, XXXX. 

XXXX position is untenable. My rejection of the renewal offer in your portal on XX/XX/XXXX, constitutes timely written notice. Furthermore, XXXX representative, XXXX XXXX, made assurances on which I reasonably reliedXXXX XXXX decision to send this invalid debt to collections without responding to my last communication is an act of bad faith. Reporting this disputed debt to credit bureaus is a violation of my rights.

Company response to consumer: Closed with explanation