Consumer complaint received 2025-10-12 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: CA

Complaint narrative:
XX/XX/year> From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX To : FAIR COLLECTIONS & OUTSOURCING XXXX XXXX XXXX XXXX, MD XXXX Subject : Formal Notice of Dispute and Demand for Deletion Under the Fair Credit Reporting Act ( FCRA ) and Metro 2 Standards This letter serves as a formal notification that the undersigned disputes the accuracy, completeness, and verifiability of information you are furnishing to consumer reporting agencies. The accounts listed below have been identified as inaccurate, unverifiable, incomplete, and/or noncompliant with Metro 2 data furnishing standards and federal law.

In accordance with the Fair Credit Reporting Act ( FCRA ) including 15 U.S.C. 1681c ( 2 ) ( FCRA 605B ), 1681i, 1681e ( b ), and 1681s-2, as well as the Consumer Data Industry Associations Metro 2 Reporting Guidelines, you are hereby demanded to immediately delete and cease reporting the accounts listed below to all consumer reporting agencies. 



Creditors Name : FAIR COLLECTIONS & OUTSOURCING Account Number : XXXXXXXX XXXX XXXX I am disputing the accuracy and completeness of the above-referenced account. Your reporting of this collection tradeline is inconsistent, unverifiable, and noncompliant with federal law and Metro 2 standards.

Specifically : Reporting language differs across credit bureaus, indicating data inconsistency and lack of proper verification.

Such discrepancies violate 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2.

You are required by 15 U.S.C. 1681i to investigate and correct or delete disputed data.

Metro 2 requires that dispute status and account condition be reported consistently across all consumer reporting agencies.

Pursuant to 15 U.S.C. 1681c ( 2 ) ( FCRA 605B ), I demand immediate deletion of this account. 

Because the account appears to be reported by a debt buyer or collection agency, I am also exercising my right to request validation of the alleged debt and proof of your authority to collect or report it. Please provide the following documentation within the reinvestigation period : 1. Complete chain of assignment including all transfers of ownership, assignments, or sales demonstrating your lawful right to collect and report this account, as required under UCC 9-406.

2. Original agreement or contract a copy of the original signed agreement or other evidence that I am legally obligated for the alleged debt.

3. Detailed, itemized accounting showing how the claimed balance was calculated, including all fees, interest, credits, and payments applied. 

If you are unable or unwilling to provide complete, authenticated verification of the above within the time allowed by law, you must delete this account from my credit file immediately and notify all consumer reporting agencies to which you have furnished this information. 

Please treat this as a formal demand to remove this account from all credit reports. Continued noncompliance may result in legal action under 15 U.S.C. 616617. 
Enclosed are my ID and proof of address for verification. Please resolve this within 30 days and provide written verification of your findings. 

Sincerely, XXXX 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