Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MO

Complaint narrative:
I am submitting this full written response because the companys reply does not resolve the matter, and the issues I raised remain entirely unaddressed. My previous case XXXX was closed without satisfactory resolution, without proper validation, without legally required documentation, and without any legitimate evidence establishing that the alleged debt belongs to me. Because of this, and because Fair Collections and Outsourcing ( FCO ) continues to reference and report an account that I do not own, I will be opening a new complaint case to ensure proper compliance with federal law. 

It is necessary for me to restate as clearly and firmly as possible : I do not own any account with XXXX on XXXX, nor have I ever had any relationship, contract, obligation, or account with Fair Collections and Outsourcing ( FCO ). I have never entered into any business arrangement with XXXX, nor have I ever received services, goods, or credit from XXXX. I have never agreed to any terms, signed any documents, or authorized any account connected to XXXX. FCO is reporting a debt that is not mine, has not been validated, and has not been substantiated or supported with documentation of any kind. 

The companys response asserts that the account was placed with FCO and that they are not the owner of the debt, yet that does not relieve them of their legal obligation under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Merely repeating that they are a third-party collection agency does not validate a debt, does not establish ownership, and does not prove I am responsible for the alleged balance. Their statement that they were told by their client to collect the debt does not constitute legal proof nor verification under federal statutes. 

The company also states that an email notification was sent to me in XXXX  and that they assumed I received it simply because it was not returned as undeliverable. This explanation is legally insufficient. Under FDCPA 809 ( b ), a debt collector must provide a written notice of debt and must also provide validation when requested. They can not rely on assumptions, automated systems, or unverified electronic correspondence. FCO did not provide any certified proof of delivery, no physical mailing records, no delivery confirmation, and no documentation proving that any notice actually reached me. Their attempt to rely on unverified email correspondencewhether accurate or notdoes not satisfy the legal standard required for debt validation. 

Furthermore, their response did not include : A signed contract or agreement proving I opened the account Any itemized breakdown of charges The original creditor agreement Proof of ownership or proof of assignment from XXXX A chain of custody or chain of title for the debt Transaction records Billing statements Identity confirmation Any evidence linking me to XXXX or the alleged account In fact, their response lacked any documentation whatsoever. They merely restated information already in the system, without providing legal evidence or validation of any kind. 

Because I do not own this account, and because no documentation has been provided to prove otherwise, the account is fraudulent, unverified, and not attributable to me. Consequently, it should not be reported, collected, transferred, or used against my credit under any circumstances. 

Why a New Case Is Required My previous case, XXXX, was prematurely closed based solely on the companys explanation, even though the company provided no documentation and did not address the core issues raised. Instead of providing evidence, the company merely stated that they responded in compliance with guidelines. Compliance is not demonstrated by claiming adherence ; it is demonstrated only by providing verifiable documentation, lawful validation, and compliance with statutory requirements. 

Because the company failed to provide validation and because the prior dispute was closed without a resolution, I am now preparing a new complaint that will include : The fact that FCO continues to reference an account that is not mine The fact that no validation documents have been provided The fact that the prior case was closed without proper investigation The fact that FCO relies on assumptions instead of documentation The fact that I have no relationship with XXXX or FCO The fact that the account continues to appear on my credit reports without proof The fact that this causes ongoing harm to my creditworthiness Failure to Validate Under FDCPA Under FDCPA 809 ( b ), once a consumer disputes a debt, the collector must : Cease collection Cease reporting Provide validation Validation requires : A copy of the original agreement Proof of ownership Documentation from the original creditor Verification of the amount Confirmation the correct consumer is being pursued FCO did not do any of the above. 

Their response indicates they will send validation, but this is after the fact. The FDCPA requires validation before continued reporting or collection. They can not proceed without proper documentation. 

Their failure to validate is a clear violation. 

Failure to Comply With FCRA Accuracy Requirements Under FCRA 607 ( b ) : Furnishers must provide accurate and verifiable information Under FCRA 623 ( a ) ( 3 ) : If a consumer disputes an account, the furnisher must report the account as disputed Under FCRA 611 : Furnishers must conduct a reasonable investigation FCO did none of these appropriately. 

Their investigation did not include documentation, did not address my dispute, and did not substantiate the debt. 

Inaccurate, Unverified, and Harmful Reporting Because this account is : Unverified Unvalidated Unsupported Not mine Not connected to me Not backed by any documentation Based on unverified assumptions it should not remain on my credit report. 

The presence of a fraudulent, unverified account is harmful. It affects : My credit score My ability to obtain loans Insurance rates Housing opportunities Employment screenings Financial stability The fact that FCO provided no documentation further demonstrates that this account is not mine. 

Companys Response Is Incomplete and Insufficient The companys response focuses on : Dates Assumptions Claims General statements But it does not include : Evidence Validation Documentation Contracts Statements Proof FCO simply restated internal account notes rather than providing legally required validation documents. 

This is unacceptable under federal law and insufficient for resolution. 

No Relationship With XXXX or FCO I must again emphasize : I do not have any account with XXXX I have never done business with XXXX I have never entered into any agreement I have never applied for any services I have never received goods or benefits I have never been contacted before the collection entry was reported There is no point at which I ever authorized or participated in any transaction that could lead to this alleged balance. 

Opening a New Case Is Necessary to Correct the Record Because the company did not validate, did not prove ownership, and did not link me to the alleged account, and because the previous case was closed without a proper resolution, I will be filing a new case to ensure the matter is escalated and fully investigated. 

The new case will request : Full deletion of the alleged debt A complete block on further reporting Documentation demonstrating why the account was ever attributed to me Enforcement of FDCPA validation rules Enforcement of FCRA accuracy rules Prevention of reinsertion Until FCO provides legal validationwhich they have never donethey are not permitted to report or collect this debt. 

Conclusion In summary : My previous case ( XXXX ) was closed without resolution. 

I do not own any account with XXXX or Fair Collections and Outsourcing. 

FCO has not provided validation or documentation proving I owe this debt. 

FCOs explanation is not sufficient to establish responsibility. 

The account is fraudulent, unverified, and inaccurate. 

I will be opening a new CFPB complaint due to unresolved issues. 

I am requesting deletion and cessation of all reporting and collection activities. 

I dispute this account in its entirety, and I reject the companys attempt to validate the debt without producing evidence. This matter must be addressed properly through a new complaint because the company did not comply with federal legal requirements.

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