Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
XXXX and Furnishers reporting on XXXX report did not perform FCRA compliant RE : Investigation. They all continued to report knowingly and willfully, inaccurate information data even after I advised them of the errors and supporting documentation and evidence. I have included multiple examples of their failures to comply and follow FCRA and CFPB guidelines please carefully review each included Exhibit for verification of failures. I expect this review to be done by CFPB and not sent to XXXX for review. The results of this investigation come after complaints filed through CFPB. XXXX XXXXXXXX XXXX XXXX XXXX XXXX have not performed multiple RE : Investigations per the FCRA Neither company has performed independent Re : Investigations of each other. They both are reporting inaccurate information. The date opened is misleading and inaccurate. The Date Updated has not been updated after XXXX : XXXX per FCRA guidelines. These are violations of the FCRA. XXXX ; XXXX XXXX have not performed multiple RE : Investigations per the FCRA Neither company has performed independent Re : Investigations of each other. They both are reporting inaccurate information. The date opened is misleading and inaccurate. XX/XX/XXXX on XXXX XXXX and XX/XX/XXXX on XXXX. The Date Updated has not been updated after Re : Investigation per FCRA guidelines. These are violations of the FCRA. The Pay Status is reporting 120 days past due. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX are all reporting 30 days late in sequence. XX/XX/XXXX, is reporting 60 days late, XX/XX/XXXX is reporting 90 days late, XX/XX/XXXX is reporting 120 days late. Each 1 of of those months reporting inaccurately is a violation of the FCRA. Maximum Delinquency of 120 days XX/XX/XXXX and XX/XX/XXXX is reporting inaccurately. These inaccuracies are willfully being reported, and furnished after I advised XXXX XXXX, and XXXX XXXX to delete this account for inaccurate information, and violations of FCRA ; this report is the results of the Re : Investigation they performed. It was verified as accurate which is not possible. 
Reporting Past Due Balance on Collection Account is FCRA violation. XXXX and XX/XX/XXXX reporting XXXX late. This is inaccurate, and an FCRA violation. XXXX XXXX Past due balance reporting on a charged off account is a violation of FCRA. Reporting XXXX Balance. History is reporting that XX/XX/XXXX is 120 day past due, XX/XX/XXXX is also 120 day past due, XX/XX/XXXX is charged off. 
This is reporting inaccurate information. XXXX XXXX reported this information is verified, accurate, and validated by attorney and counsel. These are violations FCRA Also Reporting maximum delinquency of 120 days this information is inaccurate. Per FCRA XXXX XXXX XXXX Funding has RE : Inserted account after deletion. Which is a violation of FCRA. 
Account was not present on XX/XX/XXXX XXXX XXXX Report. XXXX XXXX XXXX Report which is part of Exhibits. XXXX XXXX Date Opened XX/XX/XXXX is inaccurate, misleading ; Date closed XX/XX/XXXX is inaccurate, misleading, these are FCRA XXXX. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX on XXXX Account is FCRA violation. Date Opened misleading, inaccurate XX/XX/XXXX for XXXX XXXX ; XX/XX/XXXX reporting for Experian Date Last Active inaccurate for both XXXX XXXX and XXXX. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These are misleading, and inaccurate which is a violation of FCRA. Also XXXX XXXX XXXX XXXX XXXX Has still failed to provide the requested compliance documents. Attorney bar number and license number of attorney who validated this account prior to furnishing to report. Regulation F compliance documentation to CFPB. These are MATERIAL INACURACIES WHICH AFFECT THE AGE OF THESE ACCOUNTS AND ARE BLATANT VIOLATIONS OF THE FCRA, FDCPA, CFPB GUIDELINES AND COMPLAINCE. PLEASE DELETE ALL AFFECTED ACCOUNTS FOR FAILURE TO COMPLY

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