Consumer complaint received 2025-06-08 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:
TO : Fair Collections & Outsourcing , Inc .

Attn : Compliance / Legal Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX RE : SECOND NOTICE VALIDATION OF DEBT REQUEST & NOTICE OF CONTINUED FDCPA VIOLATIONS Account Reference : XXXX To Whom It May Concern : This is my second formal notice and request for validation of an alleged debt you claim is owed by me, and to place you on notice of your continued violations of the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws.

On [ Insert Date of First Letter ], I previously notified you to cease all communication and to provide proper validation of the alleged debt under 15 U.S.C. 1692g ( b ). To date, you have failed to comply.

Despite this, you have continued to engage in communication through my consumer report, which constitutes a willful violation of 15 U.S.C. 1692c ( c ). Let this serve as your second and final demand for compliance.

You Are Required by Law to Provide the Following : A complete chain of title / assignment, showing a clear and unbroken chain of ownership from the original creditor to your agency, including : A Bill of Sale from each prior assignee ; Any Assignment Contracts ; The Chain of Custody or Transfer documentation. 

A copy of the original signed contract or application bearing my wet-ink signature. 

All accounting records showing how the alleged amount was calculated. 

A sworn affidavit or declaration from a competent witness with personal knowledge of the account 's origination and current enforceability. 

Relevant Law & Case Authority Under 15 U.S.C. 1692g ( b ), a debt collector must cease collection activity until the debt is validated. Continuing to furnish information to a credit reporting agency without validation is a violation under 15 U.S.C. 1692e ( 8 ). 

Furthermore, in Green v. XXXX XXXX XXXX XXXX  XXXX XXXX F.3d 293 ( 6th Cir. 2018 ), the court held that failure to properly verify and continuing collection activity is a clear violation of the FDCPA. 
You are now on notice that you may be in violation of : 15 U.S.C. 1692c ( c ) Communicating after a cease request ; 15 U.S.C. 1692g ( b ) Failing to cease collection until validation is provided ; 15 U.S.C. 1692e ( 8 ) Reporting information known to be disputed ; 15 U.S.C. 1692f Engaging in unfair or unconscionable practices.

Demand for Remedy You are hereby required to : Provide all requested documents within 10 calendar days of receipt of this letter ; Cease all reporting to credit bureaus if proper validation can not be provided ; Cease all collection activities related to this account permanently. 

Failure to comply will result in immediate legal action, including complaints to : The Consumer Financial Protection Bureau ( CFPB ), The Federal Trade Commission ( FTC ), The Texas Attorney General, And initiation of arbitration or civil litigation for actual, statutory, and punitive damages. 

All rights, remedies, and claims are expressly reserved. 

GOVERN YOURSELVES ACCORDINGLY. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Email : 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