Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Date : XX/XX/XXXX TRANSUNION P.O. XXXX XXXX XXXX, PA XXXX RE : FORMAL DEMAND FOR DEBT VALIDATION AND DISCLOSURE PURSUANT TO 15 U.S. CODE 1681b, 1681g, 1681s-2 AND 15 U.S. CODE 1692g ( b ) To Whom It May Concern : This letter serves as a formal, legal demand for the immediate investigation, validation, and potential removal of a debt allegedly associated with me. This demand is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Disputed Account Information : Creditor/Collection Agency : [ Insert Name ] Account Number : [ Insert Account Number ] Date Opened/Reported : [ Insert Date ] Under 15 U.S. Code 1681b, no consumer reporting agency may furnish a consumer report to any person or entity unless that entity has a permissible purpose clearly outlined by law. I am formally demanding proof that any party reporting this alleged debt had such legal authority to obtain, furnish, or report my personal credit information.

Additionally, under 15 U.S. Code 1681g ( a ) ( 1 ) ( A ), you are required to disclose to me the complete identification of every party that has accessed or reported this information, the dates of such activity, and the stated purpose for each inquiry or report.

Furthermore, under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), any furnisher of information to a credit reporting agency must ensure the information is accurate, verifiable, and complete. If you can not fully validate the reporting with original documentationbearing my signature and identifying me as legally responsibleyou must immediately delete this account.

As provided in 15 U.S. Code 1692g ( b ) of the FDCPA, once a consumer disputes the validity of a debt in writing, the collector must cease all collection activities until the debt is properly validated. This includes a full accounting, chain of title, and legal evidence that : 1. I owe the debt ; 2. The amount is accurate ; 3. You have a legal right to collect or report the debt ; 4. You possess a contract bearing my original signature.

Let me be clear : Any failure to comply with these legal mandates constitutes a willful violation of federal law and subjects your organization to potential civil liability under 15 U.S. Code 1681n and 1681o for willful and negligent noncompliance, including actual damages, punitive damages, attorneys fees, and costs.

If this account can not be fully validated within the timeframe allowed by federal law, I demand its immediate and permanent deletion from my credit file.

This letter shall also serve as notice of potential legal action should you fail to respond in good faith and within the statutory window. I expect a complete response within 30 days, as required by law. 

Sincerely, XXXX XXXX XXXX Date of Birth : XXXX SSN ( last XXXX digits ) : XXXX

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