Consumer complaint received 2026-07-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
XX/XX/year> VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED AND ELECTRONIC DELIVERY, IF AVAILABLE RE : FORMAL DEMAND FOR WRITTEN ACCOUNTING, CORRECTION OF THE CARPET CHARGE, AND IMMEDIATE REVIEW OF CREDIT REPORTING Consumer : XXXX XXXX Former Property : XXXX XXXX XXXXXXXX XXXX Collection Account : {$1900.00} Collection Agency : Fair Collections & Outsourcing To Whom It May Concern : I am writing regarding the above-referenced collection account and the complaint previously submitted concerning the accuracy and validity of the balance being attributed to me. Your office previously responded that, during a reinvestigation on XX/XX/year>, the creditor advised that it would make an adjustment to the account concerning the carpet charge. Your response further stated that additional information regarding this adjustment would be mailed to me. To date, I have not received the promised written notice, documentation, or a clear accounting explaining what adjustment was made to the account. This is unacceptable. I am formally requesting that your office provide me with the following in writing : XXXX. The exact amount of the carpet charge that was originally added to my account ; XXXX. The exact amount of any adjustment, reduction, credit, or reversal made to that charge ; XXXX. The current, itemized balance allegedly owed by me ; XXXX. A complete explanation of the legal and factual basis for any remaining carpet-related charge ; XXXX. Copies of all documents supporting the amount currently being reported or collected, including any invoices, photographs, inspection records, move-out documentation, and other evidence relied upon to support the carpet charge ; and XXXX. Confirmation of how your office has updated the information being furnished to the consumer reporting agencies. I also remind your office that tenant security deposits, deductions, damages, and charges assessed after the termination of a tenancy must be handled in accordance with applicable Texas law, including the Texas XXXX XXXX provisions governing security deposits and the landlord 's duty to provide an itemized accounting of deductions where applicable. I previously disputed the accuracy and support for this alleged debt. Your own response acknowledged that the creditor later determined that an adjustment to the carpet charge was necessary. This raises serious questions regarding the accuracy of the original balance and the accuracy of any information that may have been furnished to consumer reporting agencies. Accordingly, I demand that your office conduct a complete and accurate reinvestigation of this account and ensure that any information reported about me is complete, accurate, and supported by reliable documentation. If any portion of the account is inaccurate, unsupported, or can not be properly substantiated, that information must be corrected or removed as required by applicable law. I further request that you provide me with a written response within 30 days of receipt of this letter. If you claim that any balance remains due, your response must clearly identify the exact amount, the specific charges making up that amount, and the documentation supporting each charge. I want to be clear : I take the protection of my name, reputation, and financial history seriously. I will not accept inaccurate, unsupported, or misleading information concerning me being maintained or reported to third parties. I am attempting to resolve this matter professionally and in good faith ; however, I reserve all rights and remedies available to me under applicable federal and Texas law if inaccurate information continues to be reported or if this matter is not properly corrected. Nothing in this letter should be interpreted as an admission of liability, an acknowledgment that the alleged balance is valid, or a waiver of any rights, claims, defenses, or remedies available to me. Please provide your complete written response and all requested documentation to my current mailing address. 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