Consumer complaint received 2018-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
To Whom it concerns, PLEASE IMMEDIATELY REMOVE, as required : Fair Collections & Out XXXX or else wise MODIFY its reporting as mandated and certify its COMPLIANCE in a physically verifiable document form ensuring to me VALIDITY of claim and processing of reporting activities. I AM within my consumer RIGHTS to request this and even DEMAND your claims silenced else wise. 
I DEMAND that you IMMEDIATELY EXTINGUISH your injurious and unethical illegal claims versus me as it is in clarity nothing greater than immoral subterfuge and overwhelmingly deceptive, each being clear and vile infractions of mandatory responsible and reasonable lawful reporting of claims. In the least of issues is that your item of delinquent and/or derogatory claim, as currently displayed on my credit reports, is significantly deficient of substantiated facts of validity, documentation of that validity, compliance of reporting HOW REPORTED, certification of that compliant reporting, To date I have not been offered nor delivered any suggestion of absoluteness and legitimacy to your claims, despite my lawful requests for your demonstration and documentation in evidence of your testament of facts as related to the exact true correct and complete physically verifiable proof of validation of item itself much less the presentation of the mandatory perfect and complete certification of compliance of reporting even to the mandatory metro 2 format. Being that as the truth of the matter and in consideration of your lawful requirements to REPORT, combined with my reasonable concerns in direct or indirect response to many recent consumer information breaches such as with XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, the Veteran 's Administration Records Division, and OTHERS I have no confidence in your statements of claims AS THUS FAR PRESENTED, although I can not here and now yet state a claim of denial of responsibility. I simply am exercising my consumer rights to QUESTION any concern-able misinformation and demand document proof as to the validity of claims of debts owed and FURTHERMORE DEMAND EVIDENCE detailing the CERTIFIED nature of the TRUE CORRECT and COMPLETELY COMPLIANT REPORTING of the alleged validated data, even to the full mandatory standards of the METRO 2 FORMAT. Unless else wise proven, it can only be logically and LEGALLY assumed that the claims/Item, as reported, is not proven fully physically verifiable and valid as related to its truth, accuracy, completeness, and timeliness therefore being ILLEGALLY assigned to reporting! Further there is no document evidence of mandatory certified Metro2 compliance, a minimal condition of REPORTING regardless if item is true or not. You are of no legal option but to lawfully and permanently rectify your now current not compliant reporting by immediate removal of any and all derogatory claims and or modification to a perfect and COMPLIANTLY REPORTED status. Your hesitation will be assumed your willful derelict of responsible regulatory reporting and infraction-ous injuriously deceptive reporting, regardless if true or not. COMPLIANCE of reporting is MANDATORY criterion to report, NOT OPTIONAL. I do NOT authorize you nor any agent to misreport versus me in an unregulated and unlawfully not perfect correct complete and certified COMPLIANT manner, even to the mandatory METRO 2 FORMAT REPORTING standards. You have 15 days to submit your requisite corrections and or removals! 
In GENUINE SINCERITY I CLOSE,

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