Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
Demand for Chain of Assignment XXXX  Account-Level Documentation Under FCRA XXXX COLLECTIONS & OUT XXXX * To Whom It XXXX Concern : I am writing XXXX formally dispute XXXX request the chain of assignment XXXX all account-level documentation pertaining XXXX the above-referenced account, which FAIR COLLECTIONS & OUT XXXX * is currently reporting on my credit file as a collection account with a balance of {$4400.00}, last reported on XX/XX/XXXX. 

This demand is made pursuant XXXX the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX ( a ) XXXX XXXX ( a ) ( XXXX ), which require furnishers of information XXXX provide consumers with the underlying documentation supporting reported accounts upon requestparticularly when the accuracy of such reporting is in question. 

The FCRA imposes a strict duty on furnishers like FAIR COLLECTIONS & OUT XXXX ensure the accuracy and integrity of information reported XXXX  consumer reporting agencies ( CRAs ). See XXXX XXXX. XXXX ( b ) ; see also XXXX v. XXXX & XXXX, XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ( furnishers must reasonably investigate and verify disputed information ). 

Furthermore, under XXXX XXXX. XXXX ( a ) ( XXXX ), I am entitled XXXX all information in the consumers file, including the sources of such information, which encompasses the chain of assignment and account-level documentation demonstrating FAIR COLLECTIONS & OUTs legal authority XXXX  collect XXXX report this alleged debt. 

Documentation Request XXXX date, I have not received adequate documentation verifying the validity of this account. Therefore, I request that FAIR COLLECTIONS & OUT provide the following within XXXX calendar days of receipt of this letter : The complete chain of assignment, including all bills of sale, assignments, or other documents evidencing the transfer of this account from the original creditor XXXX FAIR COLLECTIONS & OUT ; A copy of the original account agreement or contract, bearing my signature and establishing the terms of the alleged debt ; A detailed account statement or ledger reflecting all charges, payments, interest, XXXX  fees assessed from account inception through the present ; Copies of all notices of assignment sent to me, as required by law ; Any other documentation that supports the accuracy of the reported balance of {$4400.00}, the date reported ( XX/XX/XXXX ), XXXX the current status of the account. 

Legal Notice Failure to provide the requested documentation XXXX constitute a violation of the FCRA, exposing FAIR COLLECTIONS & OUT XXXX liability for actual damages, statutory damages up XXXX {$1000.00} per violation, punitive damages, XXXX reasonable attorneys fees XXXX costs, as provided under XXXX U.S.C. XXXX and XXXX. 

Continued reporting of unverified or inaccurate information XXXX also violate the Fair Debt Collection Practices Act ( FDCPA ), specifically XXXX XXXX. XXXX, which prohibits false or misleading representations in the course of debt collection. See XXXX XXXX XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ). 

Preservation of Evidence FAIR COLLECTIONS & OUT is hereby placed on formal notice XXXX preserve all records related XXXX this account, including but not limited XXXX electronic data, internal notes, communications, XXXX correspondence with consumer reporting agencies or third parties. Any destruction or alteration of such materials XXXX result in sanctions for spoliation of evidence. 

Please direct all responsive documentation XXXX correspondence XXXX the address listed above. Should FAIR COLLECTIONS & OUT fail XXXX comply with this demand, I am prepared to take all necessary legal actions XXXX  enforce my rights under the FCRA, FDCPA, XXXX other applicable laws, including filing a formal complaint XXXX pursuing injunctive or monetary relief through the courts. 

Govern yourselves accordingly.

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