Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
Subject : Formal Dispute Fraudulent and Unauthorized Collection Account Reporting by Fair Collections & Outsourcing ( FCO ) To Whom It May Concern, I am writing to file a formal complaint and dispute regarding a fraudulent collection account recently reported by Fair Collections & Outsourcing ( FCO ), which has caused significant and unjust harm to my credit profile. I have no affiliation or financial obligation with this company and believe this account was reported without my knowledge, consent, or legal authorization. 

Disputed Account Details : Furnisher Name : Fair Collections & Outsourcing ( FCO ) Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Phone Number : ( XXXX ) XXXX Date Reported : XX/XX/year> Status : Collection / Charge-Off Balance : Unfamiliar / Unverified Statement of Facts : I have never received any notice, bill, or communication from Fair Collections & Outsourcing . 
I was never informed of any alleged debt owed to or serviced by this company.

I have no knowledge of this account, and I have never authorized FCO to collect on my behalf or to access or report my personal information. 
I have not received a validation notice, which is required within 5 days of initiating collection activity. 

This collection account is fraudulent, unauthorized, unverified, and a privacy violation. Its appearance has caused an unwarranted XXXX drop in my credit score and has negatively impacted my ability to obtain housing and financial services. 

Legal Violations Committed by FCO : FCRA 1681s-2 ( b ) : Failure to investigate and verify information before furnishing it to credit bureaus.

FCRA 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy which clearly was not followed in this case.

FCRA 1681i : Failure to promptly investigate and delete disputed or unverifiable information.

FCRA 609 & 611 : I have the right to request debt validation yet I received no communication, documentation, or notice.

FDCPA 1692g ( a ) : No written validation notice was provided within 5 days of the collection being reported, in violation of debt collection practices.

FCRA 604 & GLBA : This is also a privacy violation, as this company accessed or used my consumer data without a permissible purpose or my consent.

Action Demanded : I am demanding the following actions be taken immediately : 1. Permanent deletion of the Fair Collections & Outsourcing account from all consumer credit reports ( XXXX XXXX XXXX XXXX ). 
2. A full investigation into how FCO obtained and used my personal information.

3. Written confirmation of the findings and actions taken to resolve this complaint.

Attachments : Screenshot of credit report showing the disputed FCO account Please process this dispute promptly in accordance with the Fair Credit Reporting Act ( FCRA ) and provide confirmation of deletion or results of your investigation within the required 30-day period.

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