Consumer complaint received 2026-04-14 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: FL

Complaint narrative:
Company Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Product : Credit reporting Issue : Incorrect information on credit report Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am filing a complaint regarding inaccurate and inconsistent credit reporting that has been verified by XXXX XXXX and XXXX despite clear contradictions in the documentation and evidence of identity misuse. This account relates to a residential lease that began in XXXX and expired in XX/XX/XXXX. I did not sign any renewal or extension and vacated the property at that time. However, the creditors own documentation reflects a conflicting and inaccurate timeline. A Move-Out Statement and Itemized Disposition of Security Deposit list a move-out date of XX/XX/XXXX, which is more than five years after the lease expiration. These documents also include rent charges and fees for XXXX and XX/XX/XXXX, despite no lease agreement existing during that time. Additionally, these same documents list a forwarding address of : XXXX XXXX XXXX XXXX XXXX XXXX I have never lived at this address. This address is associated with another individual connected to the account and is not my residence. The credit reporting agencies have verified this account as accurate, yet they report conflicting timelines : XXXX reports a removal date extending to approximately XXXX XXXX reports the account as placed for collection in XX/XX/XXXX XXXX reports a date of first delinquency of XX/XX/XXXX These dates are inconsistent with each other and inconsistent with the lease expiration in XXXX. In addition to these inconsistencies, I have documentation showing that my personal information has been used in connection with activity that is not associated with me. In XX/XX/XXXX, a hotel stay in XXXX XXXX, California was booked under my name using the address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never lived at this address and was residing in XXXX XXXX at that time. I immediately disputed this directly with the hotel, stating that I had never been to that location and believed it to be fraudulent. This demonstrates that my personal information has been used in connection with addresses and transactions that are not mine. Despite these clear inconsistencies in identity, address, and timeline, the account continues to be reported as verified and accurate. Under the Fair Credit Reporting Act, credit reporting agencies are required to ensure maximum possible accuracy and conduct a reasonable investigation. In this case, that standard has not been met because : The timeline of the debt is inconsistent and unsupported Charges are attributed years beyond the lease term The reported delinquency dates conflict across agencies Incorrect addresses are being used that are not associated with me My personal information has been linked to unrelated activity and locations The account reflects activity attributable to another individual Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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