Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX Date : XX/XX/2025 To : Fair Collections & Outsourcing XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX Dear Fair Collections & Outsourcing, I am writing to formally dispute the validity of the alleged debt reported on my XXXX  credit report related to XXXX XXXX XXXX. I do not agree with the charges or the basis for this collection, as the apartment XXXX and I never reached a mutual agreement on the move-out terms. 

Under the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ), I request that you provide me with the following : XXXX of the debt, including a detailed breakdown of charges. 

A copy of the original lease and any documentation showing I agreed to the charges. 

Proof that you are legally authorized to collect on this debt. 

Until this information is provided, you must cease all collection activities and remove this item from any credit reporting. 

Sincerely, XXXX XXXX ______________________________________________________________ Their response is below XXXX XXXX XXXX # XXXX XXXX, MD XXXX Forwarding Service Requested XXXX XXXX SENT VIA EMAIL XX/XX/2025 RE : XXXX XXXX XXXX XXXX XXXX XXXX Reference Account Number : XXXX Account Number : XXXX Creditor : XXXX XXXXXXXX XXXX Principal Amount : {$4900.00} Payments To XXXX : {$0.00} Account Balance : {$4900.00} VERIFICATION OF THE DEBT To XXXX XXXX Per your request, please find enclosed verification of the above referenced debt. 
Our professional debt XXXX are here to help you resolve this amount due. Contact ( XXXX ) XXXX. 
This communication is an attempt to collect a debt by a debt collector. Any information obtained will be used for that purpose. 
Sincerely, XXXX XXXX  The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX XXXX XXXX can not sue you for it and XXXX XXXX XXXX will not sue you for it, even if you make a payment. 

XXXX XXXX XXXX # XXXX, XXXX, MD XXXX Tel : XXXX / XXXX - XXXX See additional page for important information regarding state and federal laws and your rights. 
If you do not receive all pages of this communication, please contact this office immediately __________________________________________________________________ My response follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX Date : XX/XX/2025 To : Fair Collections & Outsourcing XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX Re : Account No. XXXXXXXX XXXX XXXX XXXX Dear XXXX XXXX I am in receipt of your letter dated XX/XX/2025, which purports to verify the above-referenced debt. However, your response fails to meet the requirements outlined under the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ). You have not provided : A copy of the original lease agreement ; A detailed breakdown of charges comprising the {$4900.00} balance ; Documentation showing I agreed to any of the charges ; Proof of your legal authority to collect this debt. 

Additionally, you acknowledged that the debt is time-barred, and that no legal action can be taken. Therefore, I request the following : Cease all collection activities immediately ; Cease reporting this item to any credit bureaus ; Remove any existing XXXX credit reporting related to this account. 

Failure to provide the full and proper documentation, or failure to cease reporting and collecting on a time-barred and unverified debt, will result in a formal complaint to the Consumer Financial Protection Bureau XXXX CFPB ) and the Federal Trade Commission XXXX FTC ). 

Sincerely, 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