Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MO

Complaint narrative:
Fair Collections & Out ( FCO ) [ account ending in XXXX ] is furnishing a collection tradeline on my consumer credit report allegedly originating from XXXX XXXX XXXX. 

I do not recognize this debt, did not knowingly enter into any contract with the alleged original creditor, and have never been provided any documentation establishing my legal responsibility for this account. 

Despite the absence of proof, FCO continues to report this account as a collection tradeline, falsely attributing financial liability to me. This conduct constitutes false attribution of debt, and upon notice of non-recognition, rises to participation in identity misattribution and potential identity theft. 

Serious Legal Violations FCOs actions constitute violations of federal law, including but not limited to : 15 U.S.C. 1681e ( b ) furnishing information without ensuring maximum possible accuracy 15 U.S.C. 1681s-2 ( b ) failure to conduct a reasonable investigation after dispute 15 U.S.C. 1681c-2 failure to block reporting of information resulting from identity theft or misattribution 15 U.S.C. 1692e & 1692f ( FDCPA ) false representation of the character and legal status of a debt, and use of unfair or unconscionable abusive collection practices. 

Upon notice that a consumer does not recognize a debt, continued reporting without competent proof demonstrates reckless disregard for accuracy and willful noncompliance. 

If FCO is furnishing this account based solely on third-party assertions or bulk data without original source documentation, it is knowingly participating in the dissemination of false identity-linked financial data.

Identity Theft & Conspiracy Concerns By continuing to furnish an unverified, unrecognized debt after notice, FCO is effectively assigning a financial identity to me without authorization. 

Such conduct may constitute : Identity misattribution Aiding and abetting the use of false identifying information Conspiracy to report fraudulent credit data This exposes FCO to civil liability and potential referral to state and federal enforcement agencies should the conduct continue.

Harm Caused FCOs unlawful reporting has : Damaged my credit profile Interfered with housing and credit opportunities Caused financial and emotional harm Forced me to consider legal remedies to protect my identity and credit file What I Want the Company to Do I am demanding that Fair Collections & Out : 1. Immediately cease reporting this account 2. Provide competent, original documentation proving my legal responsibility, including a signed agreement XXXX. Delete the tradeline entirely if such documentation can not be produced XXXX. Correct all consumer reporting agencies to which this account was furnished XXXX. Preserve all records related to this account for potential litigation Failure to comply will result in escalation, including but not limited to : Civil litigation under the FCRA and FDCPA Identity theft blocking requests Complaints to state attorneys general and additional federal regulators

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