Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Date of birth XX/XX/XXXX XX/XX/XXXX To : Credit Bureau XXXX XXXX XXXX Dispute of Inaccurate/Unverified Accounts under Regulation F, FCRA, XXXX, and XXXX XXXX Guidelines Dear Credit Bureau This XXXX XXXX XXXX formal dispute concerning inaccurate, incomplete, and/or unverifiable information being reported on my consumer credit report in violation of 15 U.S.C. 1681i, 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), Regulation F under the CFPB, and XXXX XXXX reporting guidelines established by the XXXX XXXX XXXX XXXX ( XXXX ). 
I am requesting an immediate investigation and deletion of the following negative items that are either : - Inaccurately reported- Not compliant with XXXX XXXX formatting- Unverified under 15 U.S.C. 1681i - In violation of Regulation F ( 12 CFR Part 1006 ) # # # Disputed Accounts : 1. Fair Collections & Outsourcing [ ] Account XXXX These accounts must be thoroughly investigated and verified under FCRA standards. If the data furnisher can not provide competent evidence and complete documentation verifying the accuracy and permissible purpose for reporting this information, it must be permanently deleted. 
Per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the bureau or furnisher is required to conduct a reasonable reinvestigation. Furthermore, under 15 U.S.C. 1681e ( b ), you are obligated to ensure the maximum possible accuracy of any information reported. 
In addition, under Regulation F 12 CFR 1006.34, debt XXXX are required to provide itemized validation notices and ensure all communications comply with debt collection rules. Any account that has not followed these rules can not be legally reported. 
I am also demanding that you ensure that these accounts are : - Reported with complete and accurate fields per Metro XXXX Format - Do not violate FCRA XXXX obligations to report accurate data - Properly coded, especially for charge-offs and collections # # # If these accounts are not deleted : Failure to comply with these federal regulations and your own internal procedures ( per the XXXX guidelines XXXX could result in legal action. I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 
You have 30 days to complete this reinvestigation and provide a response, as required by law. 
Please send me a detailed summary of your reinvestigation, including : - The method of verification - The name and contact of the individual or department that verified each item - A copy of all supporting documentation used in the process Sincerely, XXXX XXXX Enclosures : ( Copy of Drivers License, Social Security XXXX, Proof of Address )

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