Consumer complaint received 2026-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XX/XX/year> FAIR COLLECTIONS AND OUTSOURCING AGENCYXXXX XXXX XXXX RE : FORMAL DEBT VALIDATION DEMAND, DISPUTE OF ALLEGED {$1300.00} DEBT, DEMAND FOR DOCUMENTATION OF ASSIGNMENT/PURCHASE, AND NOTICE OF DISPUTED CREDIT REPORTING * * * * Alleged Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Alleged Balance XXXX XXXX XXXX {$1300.00} XXXX XXXX Consumer : XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : I am formally disputing the alleged {$1300.00} debt that your company is attempting to collect and/or report in connection with an alleged obligation attributed to XXXX XXXXXXXX and/or XXXX XXXX XXXX I do not acknowledge this alleged debt as valid, accurate, or legally enforceable. Your company is hereby placed on notice that the account is disputed in its entirety. This letter is not an admission of liability, a promise to pay, or an acknowledgment that I owe any amount to your company, XXXX XXXX, XXXX XXXX, or any alleged successor, purchaser, or assignee. If your company claims that it has the legal right to collect or report this alleged debt, then I demand complete documentation sufficient to establish the legal and factual basis for your claim. Specifically, provide : 1. * * A complete itemized accounting of the alleged {$1300.00} balance * *, including the original amount allegedly owed, each individual charge, the date each charge was incurred, payments or credits applied, security deposit credits, fees, damages, interest, collection fees, and the exact calculation of the balance allegedly due. 2. * * The original agreement, lease, contract, or other legally enforceable document * * allegedly creating an obligation owed by me, including all pages, addenda, amendments, renewals, and documents bearing my actual signature or legally valid electronic acknowledgment. 3. * * The exact date and circumstances on which the alleged debt was created * *, including the alleged date of default, date of move-out, date of final accounting, and date the account was allegedly charged off or referred for collection. 4. * * The complete purchase agreement, bill of sale, assignment agreement, or other transfer documentation * * showing that your company legally acquired or was assigned this specific alleged account. 5. * * Proof of the chain of title and ownership * *, identifying every entity that allegedly owned, assigned, transferred, sold, or serviced this account from the original creditor through your company. 6. * * The date of the alleged purchase or assignment * *, the purchase price or accounting basis for the transaction, and documentation identifying the specific account allegedly associated with me. 7. * * The original creditor 's complete account records * *, including ledgers, statements, move-out accounting, notices, invoices, payment history, and any documents allegedly supporting the {$1300.00} claim. 8. * * Proof that any person or entity claiming authority to collect this account actually has such authority * *, including any servicing, collection, assignment, or agency agreement applicable to this specific account. 9. * * A complete copy of every document you have relied upon to furnish information about this alleged account to any consumer reporting agency. * * 10. * * Verification that the information being reported is complete, accurate, and legally supportable * *, including the correct date of first delinquency, account status, balance, original creditor, and identity of the alleged debtor. I specifically demand documentation showing that I personally entered into the agreement allegedly giving rise to this debt and that the amount claimed is supported by competent business records. A conclusory statement that your company purchased a portfolio of accounts is not sufficient to establish that this particular alleged account is valid, that the amount is accurate, or that your company has enforceable collection rights. If this account was purchased in bulk, provide the documentation identifying this specific alleged account within the purchased portfolio, together with the records establishing the balance claimed against me. I also dispute any reporting of this account to XXXX XXXX XXXX, or any other consumer reporting agency. Under the Fair Credit Reporting Act, including 15 U.S.C. 1681s-2, information furnished to consumer reporting agencies must be accurate and must not be reported in a misleading or materially incomplete manner. Once a furnisher receives a proper dispute, it must conduct an appropriate investigation and correct or delete information that can not be verified. If you can not provide competent documentation establishing the alleged debt, the amount claimed, the identity of the alleged debtor, and your legal authority to collect and report the account, then you must immediately : * Cease collection activity concerning this disputed account; * Request deletion of any unverifiable or inaccurate credit reporting ; * Correct any inaccurate information previously furnished to a consumer reporting agency ; * Cease representing that I owe a debt that you can not substantiate ; and * Provide written confirmation of the results of your investigation. I further demand that you preserve all records, electronically stored information, account data, communications, contracts, assignment records, payment histories, and documents relating to this alleged account. Destruction, alteration, or failure to preserve relevant records after receiving notice of this dispute may be considered relevant to any subsequent regulatory, administrative, or legal proceeding. Nothing in this letter should be construed as an acknowledgment that I owe this alleged debt. I expressly reserve all rights, claims, defenses, and remedies available to me under applicable federal and state law. If your company continues collection activity or continues furnishing information that it can not substantiate after receiving this dispute, I will consider submitting complaints to the appropriate regulatory and consumer-protection authorities and pursuing all available remedies for inaccurate reporting, unlawful collection activity, and violations of applicable consumer-protection laws. Please provide a complete written response and all requested documentation within the time required by applicable law. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE : THIS ACCOUNT IS DISPUTED IN ITS ENTIRETY. XXXX 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