Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
b'On XXXX  I sent a formal Notice of Dispute and Request for Validation of Debt to Fair Collections & Outsourcing, Inc.  (FCO) along with a conditional cease and desist, regarding an account they are reporting on my consumer credit file. This notice was delivered via Certified Mail Tracking and received by XXXX  with green return receipt XXXX XXXX XXXX XXXX XXXX 49 returned XXXX\n\nIn my correspondence, I lawfully exercised my rights under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). I demanded full and complete validation of the alleged debt, including:\n\t\tA copy of the original, fully executed contract with my wet ink signature, evidencing that I agreed to the terms of the alleged obligation\n\t\tDocumented proof of chain of title, showing a legal and verifiable transfer of the alleged debt to XXXX\n\t\tA valid assignment agreement or contract between the original creditor and XXXX authorizing them to collect\n\t\tA complete forensic accounting and itemization of the balance being reported\n\t\tA Conditional Cease and Desist, demanding all collection and reporting activity stop until proper validation is provided\n\XXXX  has failed to produce any documentation in response to this request. Despite receiving lawful notice, they continue to report the alleged debt to consumer reporting agencies, in violation of the FDCPA and FCRA.\n\nAdditionally, XXXX is in unauthorized possession and use of my private, personal identifying information (PII), including but not limited to: my full legal name, credit file data, and personal financial information. At no time have I granted XXXX  permission to obtain, store, use, or transmit this data. No valid, signed contract exists granting them this authority.\n\nTo address this, I issued a formal Notice of Copyright Infringement and Privacy Violation, which included a defined Unauthorized Use Fee Schedule for continued use or third-party transmission of my information without a valid license, contract, or lawful authority.\n\XXXX  has failed to respond to this notice, and continues to publish disputed, unverifiable, and potentially defamatory information to third parties (credit bureaus). As a result of these actions, I issued a Notice of Intent to Arbitrate for:\n\t\tDefamation of character\n\t\tInjury to personal and financial reputation\n\t\tUnauthorized use of copyrighted information and PII\n\t\tNegligent and willful non-compliance with federal consumer protection laws\n\n\n\nSummary of Violations:\n\t\tViolation of the FDCPA  failure to validate debt prior to collection and reporting\n\t\tViolation of the FCRA  reporting inaccurate, unverified, and disputed information\n\t\tPrivacy violations  unauthorized acquisition and use of personal data\n\t\tFailure to produce a valid contract or agreement between XXXX  and myself\n\t\tDefamation  publishing harmful, inaccurate information to third parties\n\t\tCopyright infringement and unauthorized use of my intellectual property\n\t\tIgnoring lawyful notices and failure to cure after opportunity was provided'

Company response to consumer: Closed with explanation