Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
Credit Report Dispute Letter XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate and Unverifiable Credit Report Items Under FCRA - Request for Permanent Deletion Dear XXXX Compliance Department, I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to formally dispute the accuracy and validity of the following items listed on my XXXX  credit report ( XXXX XXXX : XXXX ), dated XX/XX/XXXX. 
These accounts are inaccurate, unverifiable, incomplete, and/or outdated, in direct violation of federal law. Please find the disputed items below : 1. XXXX  XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  ) - Status : Repossession with balance {$11000.00} - Violation : Reporting as repossession with no payments since XXXX and inconsistent updates. 
- Legal Basis : 15 U.S.C. 1681i ( a ), 1681e ( b ) - Demand : Permanent deletion due to unverifiability and inaccuracy. 
XXXX. XXXX XXXX ( Account XXXX XXXX XXXX XXXX XXXX ) - Status : Sold ; Charged-off - Violation : Conflicting payment and balance data ; account closed XX/XX/XXXX. 
- Legal Basis : 15 U.S.C. 1681c ( a ) ( 4 ), 1681e ( b ) - Demand : Immediate deletion due to outdated and unverifiable reporting. 
XXXXXXXX XXXX XXXX XXXX ( Account XXXX XXXX XXXX XXXX XXXX ) - Status : Charge-off, active reporting - Violation : Reported charge-off continues updating through XXXX despite last payment in XXXX. 
- Legal Basis : 1681e ( b ) - Demand : Deletion due to outdated and misleading reporting. 
XXXX. XXXX XXXX XXXX ( Account XXXX XXXX XXXX XXXX XXXX ) - Status : 90 Days Past Due - Violation : No payments reported, despite being paid in full on XX/XX/XXXX. 
- Legal Basis : 1681i ( a ), 1681e ( b ) - Demand : Immediate and permanent deletion due to payment in full and unverifiability.

5. FAIR COLLECTIONS AND XXXX  - Violation : I requested original signed lease documentation on XX/XX/XXXX. To date, XX/XX/XXXX, no documents have been provided. 
- Legal Basis : 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ) ( A ) - Demand : Permanent deletion for failure to verify with original documentation within the 30-day statutory period.

If you can not verify these accounts with the original signed agreements and supporting documentation, you are required by law to delete them. Reliance on unverifiable third-party records is a violation of the FCRA.

Please complete your reinvestigation within 30 days and provide written results, including : ( 1 ) investigation outcome, ( 2 ) name and address of data furnishers contacted, and ( 3 ) confirmation of permanent deletions as warranted.

Failure to comply may result in complaints to the CFPB, FTC, and legal action under FCRA 1681n and 1681o. 
Sincerely, XXXX XXXX XXXX In addition, I was told by XXXX, that these items are still being investigated. As of XX/XX/XXXX. I disputed these items on XX/XX/XXXX. I also requested on XX/XX/XXXX. The original documents with original signatures. From FAIR COLLECTION AND OUTSOURCI. As of XX/XX/XXXX. I still have not received proof of this debt. No documents, dates, or signatures were provided.

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