Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
Re : Formal Dispute of Reporting / Validation Demand / Notice of Intent to Sue Account Number : XXXXXXXX XXXX To Whom It May Concern : I am formally disputing the accuracy and legality of the alleged debt XXXX XXXX XXXX XXXX XXXX XXXX is reporting and/or attempting to collect. This communication constitutes a Fair Credit Reporting Act ( FCRA ) dispute, Fair Debt Collection Practices Act ( FDCPA ) demand, Florida Consumer Collection Practices Act ( FCCPA ) demand, and formal Notice of Intent to Sue. 


1. FCRA VIOLATIONS INACCURATE & CONFLICTING INFORMATION FCO is reporting conflicting and inconsistent information across multiple consumer reporting agencies, including : 1. Different account statuses ( collection vs. charge-off vs. closed ) 2. Different dates opened or dates of last activity 3. Conflicting charge-off or delinquency dates 4. Inconsistent balance amounts 5. No documented assignment or legal chain of title These inaccuracies violate the following sections of the FCRA : 1681e ( b ) failure to follow reasonable procedures for maximum possible accuracy 1681s-2 ( b ) failure to correct inaccurate data after dispute 1681i ( a ) failure by the CRAs to conduct a reasonable reinvestigation Contradictory and unverifiable reporting must be deleted.

I demand that FCO provide full documentation verifying the accuracy of every data point reported to the bureaus.

2. FAILURE TO VALIDATE DEBT FDCPA VIOLATIONS If FCO has contacted me or attempted to collect this debt without first providing proper validationor continued collection activity after a disputethis violates : FDCPA 1692g ( b ) requiring discontinuation of collection until validation is provided 1692e false, deceptive, or misleading representations 1692f unfair or unconscionable means to collect I hereby request : 1. The original signed contract or agreement 2. Full chain of title from the original creditor to FCO 3. Complete account history and itemized breakdown of the amount 4. Proof of FCOs legal authority to collect If you can not provide complete validation, the account must be deleted immediately.

3. FLORIDA LICENSING REQUIREMENTS CONFIRMATION OF COMPLIANCE REQUIRED Fair Collections & Outsourcing , Inc. currently holds : Florida Consumer Collection Agency License : XXXX Status : Active Expiration : XX/XX/year> Even with a valid registration, XXXX must comply with all requirements under Florida law, including : XXXX XXXX. XXXX ( XXXX ) prohibiting enforcement of a right that does not exist XXXX XXXX. XXXX ( XXXX ) prohibiting XXXX XXXX XXXX XXXX XXXX. XXXX ( XXXX ) requiring ongoing lawful operation I demand that XXXX confirm : XXXX. You were licensed in Florida on all dates you attempted to collect XXXX. You are currently licensed and compliant with OFR registration XXXX. You possess legal right to collect and report this alleged debt Licensure does not excuse inaccurate reporting, failure to validate, or violations of federal law. 


XXXX. NOTICE OF INTENT TO SUE Should XXXX fail to provide proper validation, correct the inaccurate reporting, or cease unlawful activity, I will pursue legal action for violations of : FCRA ( XXXX U.S.C. XXXX, XXXX ) Statutory damages Actual damages Punitive damages XXXX fees FDCPA ( XXXX XXXX. XXXX ) Statutory damages up to {$1000.00} Actual damages XXXX fees XXXX ( XXXX XXXX. XXXX ) Statutory damages up to {$1000.00} per violation Punitive damages XXXX fees and costs This letter is formal notice that all rights and legal remedies are expressly reserved.

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