Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
This is considered a RE : Investigation and not a duplicate complaint for the same issues. I have included updated informaion ; and also advised of failures that are still affecting current consumer report. CFPB during complaint # XXXX was advised by company that the company Fair Collections & Outsourcing was placed on account by XXXX / XXXXXXXX XXXX XXXX XXXX retained ownership ; where are the documents and validation that I asked for in complaint that prove where ownership is, they advised that documents were mailed and received by me. I ask that the evidence of this be presented and put forth for validation of these actions. If they are unable to prove that this has transpired they must per Regulation F delete this account immediately for failure to follow proper FDCPA, and FCRA procedures. Also they are continuing to report inaccurate, incomplete, inconsistent, incorrect information on my personal private reports, and files.

CFR 12 1006.34 advises 1006.34 Notice for validation of debts. Regulation F 1006.34 ( b ) ( 1 ) ( a ) Validation information required. ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : Official interpretation of 34 ( a ) ( 1 ) In general. ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication; or ( ii ) By providing the validation information orally in the initial communication. ( 2 ) Exception. A debt collector who otherwise would be required to send a validation notice pursuant to paragraph ( a ) ( 1 ) ( i ) ( B ) of this section is not required to do so if the consumer has paid the debt prior to the time that paragraph ( a ) ( 1 ) ( i ) ( B ) of this section would require the validation notice to be sent. ( b ) Definitions. For purposes of this section : ( 1 ) Clear and conspicuous means readily understandable. In the case of written and electronic disclosures, the location and type size also must be readily noticeable and legible to consumers, although no minimum type size is mandated. In the case of oral disclosures, the disclosures also must be given at a volume and speed sufficient for the consumer to hear and comprehend them. ( 2 ) Initial communication means the first time that, in connection with the collection of a debt, a debt collector conveys information, directly or indirectly, regarding the debt to the consumer, other than a communication in the form of a formal pleading in a civil action, or any form or notice that does not relate to the collection of the debt and is expressly required by : I received none of the required documents, information or disclosures required prior to reporting the inaccurate, incomplete, unvalidated data reporting. They must delete this data immediately.

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