Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
While Fair Collections & Outsourcing ( FCO ) in complaint ( # XXXX ) has finally admitted that the damage charges were incorrect and reduced the balance, this " correction '' serves as a formal admission that FCO has been reporting inaccurate and unverified data for nearly XXXX XXXX. I am rejecting this response as a resolution because it does not address the repeated, systemic violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am submitting this as my final request for total deletion before pursuing a civil lawsuit for statutory and actual damages under the FCRA and FDCPA. 1. Failure to Conduct a Reasonable Investigation : FCO previously verified the {$3600.00} balance as " accurate '' as recently as XX/XX/year> in complaint ( # XXXX ). The fact that they only " reviewed the account again '' and removed the charges once a formal CFPB complaint was filed proves they failed to conduct a " reasonable investigation '' during my numerous previous disputes, a direct violation of FCRA 1681s-2 ( b ). 2. Pattern of False Representation : For years, FCO used false representations regarding the character, amount, and status of this debt to pressure me into payment. Under FDCPA 807 ( 15 U.S.C. 1692e ), debt collectors are prohibited from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. FCOs investigation summaries contain internal logic errors that undermine the " reasonable investigation '' requirement. Information can not be simultaneously " verified as accurate '' while also requiring " updates '' to the Rating, Payment Received, or Date Updated fields. If the data were accurate, no update would be necessary ; if an update were required, the information was not accurate as originally reported. By marking accounts as " verified '' while simultaneously changing the data, FCO is engaging in deceptive reporting practices. 3. Continued Reporting of an " Eviction '' : FCOs response completely ignores the fact that they are still reporting an " eviction '' status despite the Agreed Entry from XXXX XXXX XXXX XXXX confirming a mutual settlement and move-out. Reporting a legal status that contradicts a court order is a further violation of the requirement for maximum possible accuracy under FCRA 1681e ( b ). 4. Unreliability of the Remaining Balance : FCOs admission that it reported {$1300.00} in 'damages ' based on photos that did not even match my unit is a confession of a total failure to investigate their clients records. If FCO had performed the 'reasonable investigation ' required by FCRA 1681s-2 ( b ) at any point in the last XXXX XXXX, they would have discovered this error immediately. Their choice to repeatedly verify this debt as 'accurate ' despite this evidence proves that its internal accounting is fundamentally flawed and that it only corrects errors when a federal agency intervenes, I will no longer accept a " balance update '' as a cure for XXXX XXXX of illegal conduct.

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