Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
I am submitting this formal complaint against Fair Collections and Outsourcing , Inc. ( FCO ) for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) related to their failure to properly validate an alleged debt they claim to have purchased from the original creditor. Failure to Validate Debt 15 U.S.C. 1692gPursuant to 15 U.S.C. 1692g ( b ), upon timely written request, a debt collector is required to cease all collection activity until it provides proper validation of the alleged debt. Despite my lawful request, Fair Collections and Outsourcing , Inc. has failed to provide competent and legally sufficient validation, including but not limited to : Verification of the date the alleged debt was sold or transferred the purchase amount paid by Fair Collections and Outsourcing , Inc. A copy of the purchase or assignment agreement, signed by all parties, demonstrating a complete chain of title and lawful transfer of ownership of the alleged debt without this documentation, Fair Collections and Outsourcing, Inc. can not establish that it has legal standing or authority to collect this debt false, Misleading, and Deceptive Representations 15 U.S.C . 1692eBy continuing to report and attempt to collect this debt without providing proof of ownership or accurate transactional details, Fair Collections and Outsourcing , Inc. is engaging in false and misleading representations in violation of 15 U.S.C. 1692e, including misrepresenting the character, legal status, and ownership of the alleged obligation. Failure to Furnish Accurate Information 15 U.S.C. 1681s-2Fair Collections and Outsourcing, Inc. is also violating 15 U.S.C. 1681s-2 ( a ) and ( b ) by furnishing unverified, incomplete, and potentially inaccurate information to consumer reporting agencies. Furnishing data without confirming ownership, acquisition date, and purchase amount fails the FCRAs requirement for accuracy, completeness, and reasonable investigation after dispute. Demand for Deletion If Fair Collections and Outsourcing , Inc. is unable to produce a copy of the purchase agreement clearly identifying the purchase amount and date of sale within thirty ( 30 ) days, the account must be deleted from all consumer reporting agencies as unverifiable and inaccurate. Continued reporting without such proof constitutes willful noncompliance with federal law. Requested CFPB Action I respectfully request that the Consumer Financial Protection Bureau : Investigate Fair Collections and Outsourcing, Inc.s debt validation and reporting practices Require documentary proof of ownership and lawful collection authority Enforce deletion of the account if proper validation can not be produced Take any additional enforcement or corrective action deemed appropriate. Thank you for your attention to this matter and for protecting consumers from unlawful debt collection and credit reporting practices. Respectfully, 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