Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I am filing this complaint against Fair Collections & Outsourcing , Inc., who is attempting to collect a rental debt of {$15000.00} on behalf of XXXX XXXX. I was never notified, billed, or provided any breakdown of this alleged debt. I only discovered it when it appeared on my credit report. This debt is now negatively impacting my credit, and I have received no legal or written validation of the charges. Any mail that might have been sent was possibly sent to the address I was told to leave. 

Additionally, Fair Collections & Outsourcing is also pursuing the same full balance from another individual, effectively trying to collect the full amount from multiple people, which is unfair and deceptive. 

We were also explicitly told that if we vacated the property in XXXX, we would not have an eviction placed on our record. We followed this instruction and left as agreed. Yet, we were later charged an additional four months of rent after we had already vacated, and now face a large debt. This not only contradicts what we were told, but raises serious questions : if such a large balance was accumulating, Why would we be allowed to continue renting if we were supposedly in default? These actions appear deceptive and predatory, and I believe they were meant to mislead us into a false sense of compliance while allowing XXXX XXXX to build a case for unjust charges. 

Furthermore, the move-out date listed in their records is incorrect. We vacated the property and submitted proper notice in XXXX. Despite this, they claim we owed rent through several months after our departure, which is inaccurate and improper. 


I believe my experience may fall under the same pattern of misconduct described in a Federal Trade Commission ( FTC ) lawsuit currently pending against XXXX XXXX. 

According to the FTCs complaint, Invitation Homes : Used unfair eviction tactics, especially during the COVID-19 pandemic, including steering tenants away from the CDCs official eviction protections and misleading them with a company-created " Hardship Affidavit '' that provided no legal protection.

Withheld key information from tenants about their right to submit the CDC declaration form.

Filed eviction actions against renters who had already moved out, damaging their ability to secure future housing.

Engaged in deceptive pricing, advertising lower rent than what tenants were ultimately charged.

Collected mandatory junk feesoften undisclosed until after lease signingfor services like XXXX XXXX XXXX, utility management, and air filters, which added up to over {$1700.00} annually per tenant, with no opt-out options.

Profited millions from these deceptive fees and application costs.

These practicesunfair billing, misrepresentation, inaccurate records, and a lack of transparencyclosely mirror what Ive experienced. I was never informed of this alleged debt, was billed for rent long after leaving, and now face duplicate collection effortsall of which align with the FTCs allegations.

Potential Legal Violations Include : 15 U.S.C. 1692e False or misleading representations 15 U.S.C. 1692f Unfair or unconscionable collection practices 15 U.S.C. 1692g Failure to provide debt validation 15 U.S.C. 1681s-2 ( FCRA ) Reporting inaccurate or unverifiable information Violations related to deceptive and abusive practices outlined in the FTCs ongoing legal action Details : Debt Collector : Fair Collections & Outsourcing , Inc .

Original Creditor : Invitation Homes Debt Amount : {$15000.00} Issues : No notice or billing ; unvalidated debt ; duplicate collection attempt ; incorrect move-out date ; charged rent after vacating ; contradictory communication ; related to broader FTC allegations of deceptive billing and eviction practices This experience has caused significant distress, damaged my credit, and exposed me to misleading and unlawful treatment. I respectfully request the CFPB investigate this matter, particularly in relation to the FTCs current enforcement against XXXX XXXX. 

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