Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NV

Complaint narrative:
This letter serves as a formal dispute and demand for immediate removal of an unlawfully reported account that does not belong to me and was placed on my credit report without my consent, notification, or proper debt validation.

Factual Dispute of Alleged Debt The account in question, Account # XXXX, reflects an alleged balance of {$1500.00}, yet : 1. I have never entered into any agreement, contract, or financial obligation with XXXX or any related creditor regarding this balance. 
2. This account was fraudulently placed on my credit report in violation of my legal rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

3. There is no legally enforceable contract bearing my signature to substantiate any obligation to this debt.

Clear Violations of Consumer Protection Laws Your actions in reporting this account without proper verification violate the following federal consumer protection laws : 1. Lack of Legal Obligation & Enforceable Contract Under federal law, a debt can not be enforced or collected unless there is an agreement signed by the consumer. Since I never entered into such an agreement, this account must be deleted immediately under 15 U.S.C. 1666a ( b ) of the FCRA.

2. Failure to Provide Debt Validation Prior to Credit Reporting Under 15 U.S.C. 1692g of the FDCPA, a debt collector must validate the debt before reporting it to a credit bureau. You never provided me with a validation notice or proof of debt, making this collection attempt illegal and unenforceable.

3. Failure to Notify Before Reporting Negative Information 15 U.S.C. 1681s-2 ( a ) of the FCRA requires prior written notice before an account is placed on a consumers credit report. I was never notified, making this a blatant violation.

4. Unlawful Collection Attempts & Harassment Any attempt to collect a debt that is not validated, enforceable, or legitimately owed by the consumer is a direct violation of 15 U.S.C. 1692e ( prohibiting false or misleading representations ) and 1692f ( prohibiting unfair collection practices ). 
Pattern of Consumer Rights Violations by XXXX I have not filed a complaint with the XXXX XXXX XXXX ( XXXX ) because XXXX has a documented history of completely ignoring consumer complaints and continuously violating federal laws. It is well known that XXXX : Fails to respond to XXXX disputes, demonstrating bad-faith business practices. 
Repeatedly violates the FCRA and FDCPA by reporting unverifiable debts. 
Engages in deceptive collection tactics, including fabricated documentation and misleading account information. 
I refuse to allow XXXX to continue its unlawful practices against me. This matter will be escalated to federal regulators if immediate action is not taken.

Formal Demands Immediate ActioXXXX Required

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