Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MN

Complaint narrative:
I am filing this complaint against Fair Collections & Outsourcing / Fair Collection XXXX regarding its collection activity, failure to validate an alleged debt, and potential furnishing of disputed information to consumer reporting agencies. Consumer : XXXX XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account / Reference Number : XXXX I dispute this alleged debt in its entirety. I requested validation and verification of the alleged debt and asked Fair Collections & Outsourcing to provide documentation proving that I owe the alleged balance, that the amount claimed is accurate, and that XXXX XXXX XXXX XXXX has legal authority to collect on this account. Despite my dispute and request for validation, Fair Collections & Outsourcing has not provided a complete validation package. I have not received sufficient documentation showing the original creditor, the complete payment history, the itemized balance, the date the alleged debt became due, the chain of assignment or ownership, the contract or agreement bearing my signature, or proof that Fair Collections & Outsourcing has authority to collect this alleged debt. I am not refusing to pay a valid obligation. I am requesting proof and validation as required under federal consumer protection law. Under 15 U.S.C. 1692g, once a consumer disputes a debt in writing within the required period, the debt collector must cease collection until verification of the debt is obtained and mailed to the consumer. If Fair Collections & Outsourcing continued collection activity, continued reporting, or failed to properly respond after receiving my dispute, I believe this may violate the Fair Debt Collection Practices Act. I also requested that Fair Collections & Outsourcing communicate with me only in writing at my mailing address. Any continued calls, attempts to contact me through other channels, or continued collection activity without first validating the debt may constitute improper collection conduct. If this account has been reported to XXXX, XXXX, XXXX, or any other consumer reporting agency, I dispute the accuracy and completeness of that reporting. Reporting or continuing to report an unvalidated, disputed, inaccurate, or incomplete collection account may violate the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., including furnisher duties under 15 U.S.C. 1681s-2, where applicable. The violations I am asking CFPB to review include : Failure to provide proper debt validation after written dispute. Failure to provide the name and address of the original creditor. Failure to provide an itemized accounting and explanation of the alleged balance. Failure to provide proof of assignment, ownership, or authority to collect. Failure to cease collection activity until verification was provided. Failure to mark the account as disputed if it was furnished to consumer reporting agencies. Furnishing or continuing to furnish disputed, incomplete, inaccurate, or unverified information. Attempting to collect without providing adequate documentation supporting the alleged debt. Continuing collection activity despite my written dispute and request for written-only communication. I am requesting that CFPB require Fair Collections & Outsourcing to provide a complete written response and produce the following : Full validation of the alleged debt. Name and address of the original creditor. Complete itemized account ledger and payment history. Date the alleged debt was incurred and date it allegedly became delinquent. Copy of the contract or agreement bearing my signature. Proof of assignment, purchase, transfer, or authority to collect. Proof that the amount being collected is accurate. Proof that any credit reporting is accurate, complete, and marked as disputed. Written confirmation that all collection activity has ceased until proper validation is provided. Written confirmation that any inaccurate, incomplete, disputed, or unverified reporting has been deleted or corrected with all consumer reporting agencies. My requested resolution is for Fair Collections & Outsourcing to immediately cease collection activity until proper validation is provided, delete or correct any inaccurate or unverified credit reporting, notify all consumer reporting agencies of the correction or deletion, stop contacting me except in writing at my mailing address, and provide a full written explanation of its investigation and findings.

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