Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OH

Complaint narrative:
I am disputing the accuracy and completeness of this collection account. On XX/XX/XXXX, my girlfriend and I signed a lease with XXXX XXXX XXXX XXXX XXXX. I was a minor at the time of signing. The lease ended on XX/XX/XXXX. On XX/XX/XXXX at XXXX XXXX XXXX, we paid XXXX XXXX XXXX XXXX XXXX {$510.00} for XXXX rent. However, the collection agency states we paid exactly {$490.00} on XX/XX/XXXX. This does not match our payment records. XXXX XXXX XXXX XXXX XXXX is claiming we owe rent for XXXX and XX/XX/XXXX, plus alleged damages to the basement, kitchen, and bathroom. We dispute this. On XX/XX/XXXX, my girlfriend and I signed a lease for our new home, supporting that we were no longer living at the XXXX XXXX XXXX property during XXXX and XXXX. We also dispute the damage charges. When we moved in, the residence already had pre-existing damage, especially in the basement. On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX filed a lawsuit against us for {$15000.00}. The court docket includes service issues such as address doesnt exist by bailiff, no such number, attempted- not known, and that the bailiff was unable to serve the eviction writ due to lack of address on the building. On XX/XX/XXXX, the case was dismissed with no monetary judgment owed. In XX/XX/XXXX, the credit bureaus began reporting a collection account for {$1300.00}. We did not discover this until XX/XX/XXXX. On XX/XX/XXXX, I disputed the account with all three credit bureaus and directly with the collection agency. Experian completed my dispute on XX/XX/XXXX. TransUnion and Equifax completed their disputes on XX/XX/XXXX. However, the account was not corrected or deleted. The reporting remains inaccurate and incomplete for several reasons : 1. The payment amount reported by the collection agency does not match our actual payment record. 2. XXXX XXXX XXXX XXXX XXXX sent multiple statements with different balances. 3. The balance allegedly owed changed from {$490.00}, to {$590.00}, to {$1100.00}, and now the collection is reporting {$1300.00}. 4. The lease address differs from the address being reported by the collection agency. 5. The court case was dismissed with no monetary judgment owed. 6. We dispute owing XXXX and XXXX rent because we had already signed a lease for our new home. 7. We dispute the damage charges because there were pre-existing damages when we moved in. 8. The collection agency has not yet provided the itemized statement it said would be sent within 2448 hours. I am requesting full proof and documentation of the investigation performed regarding my dispute. Please provide the method of verification used, the name and contact information of the person or entity contacted, the dates of any verification attempts, all documents reviewed, and any records relied on to determine the account was accurate. I am not requesting a generic statement that the account was verified. I am requesting the actual evidence and investigation details supporting that conclusion. The reporting remains inaccurate, incomplete, and unsupported. I am asking that the CFPB require the company to provide proof of a reasonable investigation and full documentation supporting the alleged debt, or delete/correct the account.

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