Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
I moved out of XXXX XXXX end of XX/XX/XXXX, and provided my brothers address as a forwarding address. The company did not have accurate balance for me to pay and assured me they would correct it so that I can make a payment. After a months it was still incorrect, as I frequently checked on the community portal. I was told that it's corrected that the balance would be subtracted from my security deposit and that the remaining balance would be sent to me via check. After some time I no longer had access to the portal to follow the balance and I shared this with the company. Soon after that I received a check at my brothers address and assumed the account was resolved considering that I received a security deposit refund. Months later without any bills, statement, or even communication from XXXX XXXX a derogatory reporting came up on my credit report. I contacted the office and was told that they would correct this. They never did and the reporting still remains on my account. I have a printout of our communication showing this unfair reporting was done unfairly. I was sent to collections and reported without ever being sent a bill or being given the opportunity to make a payment. After the reporting and learning what the true balance is I offered to pay it directly to XXXX XXXX as I felt that it was unfair to have to pay a collection agency for something I had no knowledge of but I was refused the opportunity to pay XXXX XXXX and I have been fighting this ever since. PLEASE HELP! 

I filed a complaint and the company responded to this complaint by falsifying information so i am filing a complaint again. 

XXXX. The company states that there was an error adjusted on XX/XX/XXXX I moved out on XX/XX/XXXX and already had received a refund in XX/XX/XXXX. I did not have access to the company portal nor did i receive any invoices regarding this adjustment or bill. 
XXXX. The creditor states that the consumer was informed of the amount due and advised to contact our office to make payment. This is not true Please see email conversation attached. 
XXXX. The creditor states that the consumer did not receive a security deposit back as she had not paid her XXXX rent so it went to the outstanding balance. This is not true Please see email stating that the balance was not my responsibility and also please see deposited security deposit refund attached. 
XXXX. The company states that On XX/XX/XXXX, our office mailed our initial letter to the consumer advising the account had been placed with our office. This is not true The collection agency did not have my address at this time. They only got my address after i disputed the account. 
XXXX. On XX/XX/XXXX, our office mailed our second letter to the consumer. Neither of these letters were mail returned. Our office did not report this account to the credit bureaus until XX/XX/XXXX. Also not true, my account was placed on collection with the credit bureaus since XXXX in which i disputed the account and that is how this company obtained contact information for me. By XX/XX/XXXX this account had been in collection with the collection agency for 3 months already.

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