Consumer complaint received 2025-12-04 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: CT

Complaint narrative:
I am submitting this complaint regarding false, improper, and unlawful debt collection attempts by Fair Collections & Outsourcing ( FCO ), claiming to collect a debt on behalf of XXXX XXXX XXXX. This debt is not mine, and I am being wrongfully targeted in violation of federal consumer protection laws. 

In XXXX, I signed a residential lease only as a co-applicant to assist my elderly parents in securing housing. I was never a primary tenant and did not reside in the unit. After the initial lease term ended, the lease was renewed multiple times by my parents only. I did not sign any renewal agreements and never consented to continued financial responsibility after the original lease expired. Under basic contract law, I can not be held liable for agreements I did not sign or consent to. 

When my parents vacated the apartment, proper notice was provided to XXXX XXXX XXXX. At that time, we were explicitly told by management that any potential fees would be waived if the apartment was rented immediately. The apartment was, in fact, re-rented without delay. Despite this, XXXX XXXX XXXX later claimed additional charges that were never valid, authorized, or contractually supported. 

My parents have since retired and permanently left the country. Instead of pursuing the actual tenants based on valid contractual obligations, FCO is now attempting to hold me financially responsible for this alleged debt, despite the fact that I have no legal obligation. I never signed any lease renewal, guaranty, or agreement that would extend liability beyond XXXX. 

Additionally, I have been receiving repeated and aggressive collection calls from FCO. A representative named XXXX XXXX has directly threatened me in connection with this alleged debt. These actions are causing significant emotional distress and appear to violate the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : * * * 15 U.S.C. 1692e * * False or misleading representation of the character, amount, or legal status of a debt * * * 15 U.S.C. 1692d * * Harassment or abuse in connection with debt collection * * * 15 U.S.C. 1692f * * Use of unfair or unconscionable means to attempt to collect a debt * * * 15 U.S.C. 1692g * * Failure to properly validate the alleged debt I formally dispute this debt in its entirety. Any attempt to report this debt to credit reporting agencies would also constitute a violation of the Fair Credit Reporting Act ( FCRA ), as the debt is inaccurate and not legally mine. 

I am requesting that the CFPB fully investigate both XXXX XXXX XXXX and Fair Collections & Outsourcing for : * Attempting to collect a debt from a non-liable party * Misrepresentation of contractual responsibility * Harassment and threatening communications * Failure to properly validate the alleged debt * Potential inaccurate credit reporting I demand that all collection activity immediately cease, that my name be permanently removed from any alleged account associated with this matter, and that no derogatory credit reporting be made now or in the future. If any negative reporting has already occurred, I demand its immediate deletion. 

This situation has caused substantial anxiety, stress, and disruption to my life. I am asserting my rights under federal law and requesting immediate regulatory intervention to stop these unlawful collection practices.

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