Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
Subject : Follow-Up Request for Investigation and Resolution of Fraudulent Debt Complaint No. XXXX Dear CFPB Representative, I am writing to follow up on Complaint No. XXXX regarding a disputed debt reported by XXXX at XXXX XXXX XXXX and XXXX XXXX Fair Collections & Outsourcing . The companys response, dated XX/XX/XXXX, claimed the issue lies with XXXX, not them, and questioned my residency during the disputed timeframe ( XX/XX/XXXX XX/XX/XXXX ). This response is both inaccurate and incomplete, as evidenced by separate related complaints and interactions with XXXX. 

In a separate CFPB Complaint No. XXXX, XXXX stated XXXX their XX/XX/XXXX response that Fair Collections & Outsourcing validated the debt and confirmed it belonged to me. Specifically, XXXX stated : " XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Collection : FAIR COLLECTIONS & OUTSOUR. 
XXXX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : ADDITIONAL INFORMATION. 
Collection : FAIR COLLECTIONS & OUTSOUR. 
XXXX VERIFIED THAT THIS ITEM BELONGS TO YOU. '' This contradiction between Fair Collections & Outsourcings claim that XXXX is responsible and XXXX assertion that the debt was validated by Fair Collections & Outsourcing demonstrates a lack of transparency and accountability.

To clarify, I provided documentation of my residency during the disputed timeframe, including a copy of my drivers license and proof of receiving mail at a Mississippi address where I resided. While I did not have a formal lease agreement, this documentation is sufficient to demonstrate that I did not reside at the property associated with the alleged debt. 

Furthermore, I spoke with an agent from Fair Collections & Outsourcing, XXXX, on XX/XX/XXXX, at XXXXXXXX XXXX for XXXX minutes and XXXX seconds, during which I reiterated my request for the following information : Validation and documentation of the debt. 
Name and address of the original creditor. 
Details about the debt, including the amount owed, the date of the last payment, and whether the debt is beyond the statute of limitations. 
Verification of the debt via original contracts or supporting documentation.

Confirmation that the agency is licensed to collect debts in my state. 

To date, I have not received any of this information, which constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( Verification of Debts ).

Additionally, I believe this debt is fraudulent and the result of identity theft. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( Blocking Information Resulting from Identity Theft ), I request the immediate deletion of this account from my credit report. 

I respectfully request the CFPB to take the following actions : Investigate the conflicting responses between XXXX and Fair Collections & Outsourcing.

Require Fair Collections & Outsourcing to comply with federal validation and verification requirements under the FDCPA. 
Ensure the immediate deletion of this fraudulent debt from my records under the FCRA. 
Confirm that Fair Collections & Outsourcing is licensed to collect debts in my state.

Enclosed, you will find all relevant documentation, including my drivers license, proof of residency, and records of my prior correspondence with the debt collector.

Thank you for your continued attention to this matter. I request a detailed response regarding the actions taken to resolve this issue. 
Sincerely,

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