Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
Fabco is attempting to collect on a fraudulent debt from Landlord. Fabco received information from landlord, XXXX XXXX of XXXX, OH, but did not verify whether the information was correct. Even a cursory look at the evidence reveals that the claim is false. Thus, they are attempting to collect on a debt they should reasonably be aware is false. 

The charges that FABCO is attempting to collect on are illegal as per Ohio Revised Code section XXXX. XXXX XXXX is charging for damages that were not sustained during rental period, are simple wear and tear of apartment or pre-existing damages. I have both photographic and witness evidence that the damages are fraudulent. The evidence that Fabco supplied supports my documentation and my version, in almost every instance. 

Fabco received information from XXXX XXXX and did not independently verify, ( or apparently even look at ) whether the information was correct. Even a cursory check of the landlords evidence would reveal that : o XXXX XXXX claims that the lease was broken ( false ) and that rent was due at time of moveout. ( false ). The bill that Landlord supplied to FABCO shows this to not be true. Had Fabco examined bill, they should have seen that. 
o Further, no lease has been provided to FABCO to prove that there was a lease in XXXX. The only lease provided was from XXXX. FABCO should have noticed that with a cursory glance at materials. 
o XXXX XXXX provided photographic evidence of lack of damages ( cleaned surfaces, non-damaged floors ). Even a cursory look at the evidence provided by landlord would prove lack of damages. 
o XXXX XXXX claims five years left of life left on a seven -year carpet. Since they are claiming a four-year lease, the MAXIMUM amount of damage would be three years. A cursory look at landlords materials would have revealed this. 
o ( However, just to be clear : the carpet was not new at beginning of lease, and there was no damage to carpet. Thus their claim for ANY carpet damage is fraudulent. ) o XXXX XXXX 's evidence does not match the original amount submitted to FABCO. This should be obvious to FABCO, then, that XXXX XXXX was originally attempting to collect on debts that were unsupported ( and thus fraudulent ). Even though the amount was amended, XXXX XXXX clearly gave FABCO fraudulent information on how much was owed, as determined by XXXX XXXX 's own bill as of XX/XX/XXXX. 
o FABCO did not allow sufficient time for me to respond to their letter or allow me to provide evidence of my own before adding a negative report to my credit report. Only three weeks passed between the mail-date of XXXX XXXX 's evidence ( XX/XX/XXXX ) and FABCOs letter and FABCOs negative credit report ( XX/XX/XXXX ). 

In short, FABCO is attempting to collect on a debt in which the information supplied to them by XXXX XXXX does NOT provide evidence of XXXX XXXX 's claims. Nor did they allow me to submit my evidence. Thus, FABCO is attempting to collect on a debt they should reasonably be aware is false.

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