Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
To whom it may concern, I am filing a formal complaint regarding illegal credit reporting, failure to validate debt during dispute, ignored written communication, falsified move-out charges, property negligence, and repeated violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) committed by FCO Collections and XXXX XXXX

This account was reported to the credit bureaus while under active dispute, despite my documented and timely response. FCO Collections has refused to correct, retract, or remove the negative reporting, even after receiving proof of dispute and evidence contradicting the charges.

1. FCO Collections Ignored My Dispute and Reported the Debt Anyway I sent a XXXX  package containing my full dispute response and documentation regarding the charges assessed by XXXX XXXX 

XXXX shows : Delivery confirmation Timestamp Proof of receipt Despite this, FCO Collections reported the balance to my credit bureaus anyway. 

Under FDCPA 1692g ( b ) and FCRA 1681s-2, once a consumer disputes a debt, all collection and reporting must stop until verification is provided.

This did not happen.

Instead, the debt was reported as if it were valid, which is unlawful.

2. FCO Collections Representative XXXX XXXX Admitted They Will Not Do Anything On the phone, XXXX XXXX from FCO stated : We can not do anything about the credit reporting.

We can not retract it.

We can not remove it. 
XXXX XXXX wants to move forward, so thats that. 
You owe the money. 

This is factually false and a direct violation of FCRA furnisher obligations, which require : Updating or correcting inaccurate information XXXX disputed accounts as in dispute Ceasing reporting until validation XXXX XXXX refusal to take corrective action, despite proof of dispute, constitutes a knowing violation of federal reporting requirements. 


XXXX XXXX Submitted False and Inflated Move-Out Charges XXXX XXXX charged us for : A. Repainting due to smoke damage They provided a photo showing : A faint, barely noticeable mark Something that looks removable with a Magic Eraser No evidence of smoke, soot, or damage requiring a second coat of paint This charge is fraudulent. 

B. Damage they falsely attributed to us On Day 1 of move-in, we documented : A crack on the door frame Other existing cosmetic issues These were submitted in writing. 

XXXX XXXXXXXX still attempted to charge us for these pre-existing conditions. 

XXXX XXXX damage we reported, which they ignored The property had : Leaks in the ceiling Water intrusion Large visible stains We reported this maintenance issue during tenancy. 
Instead of addressing it, XXXX XXXXXXXX allowed the leak to worsen and then attempted to bill us for painting the ceiling damage caused by their negligence, not ours. 



Negligence in the Dog Park Dog Injured Due to Unauthorized Boarding Operation XXXX XXXX  allowed an individual named XXXX to operate a full, unauthorized dog-boarding business on-site. 

Staff at XXXX XXXX  : Were aware of it Enabled it Allowed him to bring multiple unvetted, aggressive dogs into shared common areas As a result : Our dog was attacked inside the dog park The attacking dog had previously been warned and told to avoid the area Our dog now experiences emotional distress and fear of other dogs This incident was fully preventable XXXX XXXX  took no corrective action, never documented the incident properly, and provided no support despite the emotional and behavioral impact on our pet. 



Summary of Violations FCRA Violations Reporting a debt that is under dispute Failure to update or correct inaccurate information Failure to mark the tradeline as in dispute FDCPA Violations Continuing collection during active dispute Refusing to provide validation Making false statements about collection rights Ignoring the consumers written communication Misrepresenting legal obligations Property Negligence Failure to address water leaks Attempting to bill tenants for water-caused repairs Allowing unauthorized business operations Animal safety violations False or Inflated Move-Out Charges Pre-existing damage billed to tenant Fake smoke damage repaint charge Selective use of misleading photos XXXX. Requested Resolution I am requesting the following : XXXX. Immediate removal of the negative credit reporting across all bureaus. 
XXXX. Full validation of each charge, with timestamps, maintenance records, and evidence. 
XXXX. Correction of all inaccurate documentation submitted by XXXX XXXXXXXX. 
XXXX. Investigation of : property negligence, water damage, and the dog park incident involving an unauthorized boarding operation. 
XXXX. Written acknowledgment that XXXX Collections received my dispute and failed to follow federal law. 



XXXX. Conclusion I have acted in good faith, documented everything, and responded promptly via XXXX 
FCO Collections and XXXX XXXXXXXX ignored my dispute, reported to credit before validation, made false claims of contact attempts, and continue to mishandle this matter. 

Their actions are not only unethical they are illegal. 

I am submitting this complaint for full investigation and requesting appropriate corrective action.

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