Consumer complaint received 2026-06-25 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: NJ

Complaint narrative:
CFPB Complaint Rebuttal Fair Collections & Outsourcing ( XXXX, Account XXXX ) Related Complaint Number : XXXX This complaint is submitted as a direct rebuttal to the response provided by Fair Collections & Outsourcing regarding my prior request for debt validation. In my original complaint, I specifically requested verification and validation of the alleged debt, including documentation demonstrating that I am legally responsible for the account. This request included, but was not limited to, signed contracts, account agreements, billing records, statements, proof of ownership of the debt, chain of assignment documentation, and any other records that substantiate the validity of the alleged obligation. In response, XXXXair Collections & Outsourcing stated the following : " Verification of the debt will be mailed to the address listed on this complaint upon receipt of this information. '' This response was dated XX/XX/year>. As of the date of this rebuttal, I have not received a single document, letter, statement, validation notice, or any other form of debt verification from Fair Collections & Outsourcing. The company has failed to follow through on the representation it made to both me and the CFPB. Merely stating that documentation will be mailed at some future date is not debt validation. More importantly, making such a statement and then failing to provide the promised documentation leaves consumers with no meaningful way to verify the legitimacy, accuracy, ownership, or collectability of the alleged debt. I respectfully request that the CFPB require Fair Collections & Outsourcing to provide all validation documentation directly through the CFPB complaint portal so that there is a documented record of compliance. Allowing a debt collector to simply claim that documents will be mailed, without producing any evidence that the documents were actually sent or received, undermines the purpose of the complaint process and prevents meaningful consumer review. Specifically, I am requesting the following : Complete validation of the alleged debt. Copies of any signed agreements, contracts, applications, or documents bearing my signature. Complete account statements showing how the balance was calculated. Documentation establishing the date of default, if applicable. Documentation establishing ownership of the debt and the chain of assignment or transfer. Proof that Fair Collections & Outsourcing has the legal authority to collect this debt. Evidence that the validation documents allegedly referenced in their CFPB response were actually mailed, including the date sent and the address used. Copies of all validation materials uploaded directly through the CFPB complaint portal. If Fair Collections & Outsourcing can not provide the requested documentation, then serious questions remain regarding the validity, accuracy, and collectability of this alleged debt. The company 's failure to provide the promised validation documents after representing to the CFPB that they would do so raises concerns regarding its collection practices and its compliance with consumer protection requirements. Consumers should not be forced to accept unsupported collection claims without documentation, nor should debt XXXX be permitted to satisfy validation requests through vague promises that are never fulfilled. I request that the CFPB investigate this matter further and require a complete and documented response through this complaint. Until proper validation is provided, the alleged debt remains unverified and disputed. Thank you for your attention to this matter.

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