Consumer complaint received 2026-06-02 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/2026 To : FAIR COLLECTIONS & OUT/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Debt Validation and Cease Reporting Demand-FCRA 602, 609 ( a ) ( 1 ) ,611,623 ; FDCPA 8099 ( b ) - Account No. XXXX To Whom It May Concern, This letter is a formal and lawful demand for full validation and immediate investigation of the account alleged to be associated with my name and credit file under the name of FAIR COLLECTIONS & OUT, managed or serviced by XXXX XXXX XXXX XXXX XXXX This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ), and the Fair Credit Reporting Act ( FCRA ) 15 U.S. code 602, 609, 611 and 633. Be advised that I am fully aware of my legal rights as a consumer. I am challenging both the legal ownership of this alleged debt and the accuracy of the information being reported to the consumer reporting agencies. I do not acknowledge or accept liability for this debt and hereby request that you immediately cease all collections activities and remove any negative information furnished by XXXX XXXX, and XXXX until proper and complete validation has been provided and all disputes resolved. You are required by federal law to provide the following documentation and information for the account referenced above. 1. A copy the original signed contract or application bearing signature. Establishing a legally binding obligation between myself and the original creditor. 2. The full chain of title and assignment history, including a copy off the bill of sale or transfer agreements ( s ) that clearly outline the assignment from the original creditor to FAIR COLLECTIONS & OUT. This must include the date of assignment and the amount paid for the account. 3. An itemized account history and full breakdown of all transactions, charges, fees, and interest applied from the alleged date of default through to the current claimed balance. 4. Proof of your legal authority to collect in my state of residence, including collection licenses and registration numbers required under my states consumer protection laws. 5. Copies of any and all notices sent to me regarding this debt, including the initial notice of the debt and any subsequent communication : 6. Verification that this debt is being reported accurately, in full compliance with FCRA 623 ( a ) ( 1 ) ( A ), which requires data furnishers to report only data is complete and accurate : 7. Proof of compliance with FCRA 623 ( a ) ( 5 ) regarding the proper reporting of the date of first delinquency to ensure that the account is not illegally reaged on my credit report. 8. A statement confirming whether any payments or legal actions have been taken on this alleged account and whether the statute of limitations has expired under applicable state law. Until and unless you provide all the above documentation and fully validate the alleged debt, you are required by law to immediately cease reporting this account to the credit bureaus and stop all collection efforts. Continuing to report this account without proper documentation constitutes willful no compliance and may result in legal action under FCRA 616 and 617, as well as FDCPA violations for unfair collection practices and failure to cease collection after dispute. If this debt is. Being reported to the credit bureaus without full validation, it may also represent a violation of FCRA 606 ( b ), which mandates that furnishers maintain reasonable procedures to assure maximum possible accuracy of information. A failure to conduct a reasonable procedure to assure maximum possible accuracy of information. A failure to conduct a reasonable investigation in response to this dispute would constitute a violation of FCRA 611 ( a ) ( 1 ) ( A ). Please note that : This is not a refusal to pay but a notice of dispute and a request for proof of obligation. Any attempt to collect this alleged debt without providing the requested validation constitutes a violation of FDCPA 809 ( b ). Failure to comply will result in the filling of complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Office of the Attorney General in my state. This letter serves as a legal record of my dispute and request for validation. I expect a full response within 30 calendar days, as required by law. You are prohibited from selling, transferring, or continuing to report this account in full, it must be permanently deleted from all consumer reporting agencies. All future communication must be writing. I do not consent to phone calls or electric messages. 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