Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
Subject : Formal Complaint Against Fair Collections & Outsourcing , Inc. for Misrepresentation and Unlawful Debt Collection Practices To Whom It May Concern : I am filing this formal complaint against Fair Collections & Outsourcing , Inc. ( XXXX ) for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

XXXX has attempted to collect a debt that does not belong to me, and has misrepresented both the amount and legal status of the alleged obligation. Despite my timely written request for validation pursuant to 15 U.S.C. 1692g ( b ), XXXX has failed to furnish the legally required contract of assignment or other competent evidence proving that it has the legal right and standing to collect the alleged debt.

Under 15 U.S.C. 1692e ( 2 ) ( A ) and 1692f, it is unlawful for a debt collector to make false, deceptive, or misleading representations regarding the character, amount, or legal status of any debt or to attempt to collect an amount not expressly authorized by the original agreement or permitted by law. Furthermore, any third-party debt collector must be able to demonstrate ownership or assignment of the debt through a valid and executed contract of assignment from the original creditor before initiating any collection activity. 

XXXX has violated these provisions by : Attempting to collect an inflated and inaccurate balance inconsistent with any legitimate record or agreement. 

Failing to provide a true and complete copy of the contract of assignment between the original creditor and XXXX, as required to establish legal standing.

Continuing collection activity without debt validation in violation of FDCPA 809 ( b ).

Furnishing inaccurate or unverifiable information to consumer reporting agencies in violation of FCRA 623 ( a ) ( 1 ) ( A ).

Misrepresenting the ownership and enforceability of the alleged obligation in violation of FDCPA 807 ( 2 ) ( A ).

These actions constitute deceptive collection practices and violations of my consumer rights under federal law. I request that the CFPB conduct a full investigation into Fair Collections & Outsourcing , Inc. and require them to : Immediately cease all collection activity related to the disputed account ; Remove any inaccurate tradelines or derogatory information from all consumer reporting agencies ; Produce a certified copy of the contract of assignment and a full chain of title demonstrating lawful transfer and authority to collect ; and Provide written confirmation that the alleged debt will not be pursued further if they can not establish lawful ownership.

Thank you for your time and attention to this matter. I trust the CFPB will ensure my rights under the FDCPA and FCRA are upheld and that appropriate regulatory action is taken against this company for its unlawful conduct. 

Sincerely, XXXX XXXX

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