Consumer complaint received 2025-09-25 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:
Subject : CFPB Complaint ROUND 2 DISPUTE Full Verification, Documentation, and Cease of Reporting To Whom It May Concern, I am submitting this complaint regarding the alleged debt assigned to Fair Collections and Outsourcing ( FCO ) by XXXX XXXX XXXX, XXXX, account number XXXX. You claim it is " ACCURATE '' says who? I formally dispute the validity, accuracy, and reporting of this debt and demand full verification AGAIN, as the previous response dated XX/XX/year>, XX/XX/year>, and the soft verification you mailed to me also failed to properly verify the debt. 

This complaint is filed under the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), CFPB guidelines, and applicable federal law.

Metro 2 Dispute Codes I am disputing this account using the following Metro 2 codes : R01 Account Information Disputed R03 Not Our Account / Fraud R10 Consumer Statement/Explanation R11 Payment Dispute Demand for Verification and Documentation AGAIN The prior response is inadequate. I demand complete and verifiable documentation, including PICTURES AND VIDEO EVIDENCE, as well as full payment history and methods, to substantiate any claims of alleged charges : Communications Logs All communications between the property manager, FCO, thoroughly the entire reporting process. 

All communications between myself, XXXX XXXX XXXX, XXXX, and FCO, including dates, times, content, and participants. 

Copies of internal notes, emails, or text messages referencing the alleged debt or damages. 

Property Condition Evidence PICTURES AND VIDEOS REQUIRED Full, dated photographs or video recordings of the unit BEFORE, DURING, and AFTER my tenancy. 

Documentation of all alleged damages, including repair invoices, contractors, dates, and work performed. 

Copies of maintenance requests submitted and responses from property management. 

Emphasis : Until I receive these pictures/videos showing the actual condition of the property, I do not accept any claimed damages or charges. 

Payment History and Methods FULL VERIFICATION REQUIRED Complete history of all payments allegedly made or missed. 

Dates, amounts, and methods of payment ( checks, electronic payments, money orders, or other forms ). 

Proof that any payments were correctly applied to the account. 

AGAIN, I do not accept claims of unpaid rent without complete proof of both amount and method of payment. 

Original Contractual Documents The original signed lease or rental agreement. Copies are unacceptable. 

Debt Assignment Verification Documentation proving that XXXX XXXX XXXX, XXXX legally assigned this debt to FCO.

Proof that FCO is authorized to collect this debt.

Fraud and Reporting Verification Evidence of any internal investigations regarding potential fraudulent reporting. 

Documentation showing proper procedures were followed before reporting this account to credit bureaus. 

Legal Notice and Demand Until all requested documentation, including PICTURES/VIDEOS and payment verification, are provided AGAIN : I dispute the debt in full.

No collection activity may occur.

No reporting to any credit bureau may continue.

Failure to comply constitutes willful violations of FDCPA and FCRA, including fraudulent reporting, and may result in legal and regulatory action.

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