Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
I am filing a new complaint because XXXX is now engaging in multiple federal violations, including : Reporting an unvalidated debt Continuing collection activity during an active dispute Adding the account to another credit bureau while still unvalidated Providing zero proof of this alleged apartment debt Failing to send the legally required notices Failing to conduct a reinvestigation Failing to follow FCRA, FDCPA, and XXXX standards I have been disputing this account for well over 90 days, and XXXX has not provided one single piece of verification.

Their own written response proves they have no documentation supporting this debt.

DETAILS OF VIOLATIONS FDCPA Violations FDCPA 809 ( a ) No Initial Notice XXXX claims they received the account on XX/XX/year>, but I was never given the 5-day notice required by federal law.

I was not notified before this was put on my credit report.

FDCPA 809 ( b ) No Validation Provided Despite disputes for 90+ days, XXXX has NOT provided ANY of the following required for an apartment debt : Signed lease Itemized ledger Move-out statement Proof of assignment/ownership Damage documentation DOFD documentation Any evidence connecting me to this property Their response simply repeated the balance which is not validation.

FDCPA 807 & 808 Illegal Collection Activity XXXX is : Still reporting the debt Still attempting to collect Adding it to another credit bureau Communicating about the debt without proof You can not collect on a debt you have NOT validated.

That is illegal.

The multiple FCRA Violations, using XXXX response : FCRA 602 & 607 Failure to Ensure Maximum Possible Accuracy XXXX has supplied ZERO documentation yet continues reporting.

Reporting unverified information violates accuracy standards.

FCRA 623 Furnisher Responsibilities Ignored XXXX has not proven ownership, assignment, accuracy, or completeness of this account, yet continues furnishing data.

FCRA 611 No Reasonable Reinvestigation I have disputed this for MONTHS.

No documents.

No verification.

No reinvestigation.

No proof.

Adding the debt to another bureau with no verification is a fresh FCRA violation. 
XXXX Violations I found : XXXX is not following XXXX requirements : They have not validated the DOFD They have no proof of ownership They can not verify accuracy They can not support the reporting codes they are furnishing Unverified = illegal to report.

Under law XXXX i

s required to tell me : The source of the information Documentation supporting the account How the data was validated They have provided NONE. CRITICAL ISSUE XXXX ADDED THE ACCOUNT TO ANOTHER BUREAU This is one of the most serious violations : While the account is : In ACTIVE dispute Completely unvalidated And still legally uncertified XXXX added it to ANOTHER credit bureau.

This is illegal under both FDCPA and FCRA.

They can not report, re-report, or expand reporting of a debt they have not validated.

MY QUESTION TO CFPB and to CRAs is how is XXXX legally allowed to : Report Re-report Add to another bureau Continue collecting when they have not provided any validation?

This is not a mistake. This is a pattern.

Company response to consumer: Closed with explanation