Consumer complaint received 2025-07-05 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: TX

Complaint narrative:
I am filing this formal complaint regarding a debt being reported by FAIR COLLECTIONS & OUT for the alleged original creditor " Reveal on the Lake. '' I dispute the accuracy and legality of this account for the following reasons : 1. No Prior Notice or Communication Before Reporting to Credit Bureaus : FAIR COLLECTIONS & OUT reported this debt to consumer reporting agencies without first providing me proper notice, validation, or an opportunity to dispute the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S. Code 1692g ) and Fair Credit Reporting Act ( FCRA ) 623 ( 15 U.S. Code 1681s-2 ).

I was never sent a written validation notice within five days of initial communication ( as mandated by FDCPA ), nor was I given a 30-day window to dispute the debt before it was reported to the credit bureaus.

2. Debt Validation and Documentation Not Provided.

I have not received : -Proper validation of the alleged debt -Full itemized accounting or billing history showing how the amount of {$4600.00} was calculated -A copy of the original contract bearing my signature -Assignment documentation or chain of title proving FAIR COLLECTIONS & OUT has legal standing to collect this debt -Proof of a legally binding lease or tenant agreement between me and " Reveal on the Lake '' that supports this balance Per the FDCPA and FCRA, a debt collector must provide full validation and proof of legal right to collect. Failure to provide these documents while continuing to report the debt constitutes a violation of federal law.

3. False or Misleading Reporting Practices : The account is listed as collection and marked as past due with a payment history marked C ( collection ) across multiple months, although I have not acknowledged this debt, made payments, or received verification. 

This misrepresents the nature and status of the debt and constitutes furnishing inaccurate information to a consumer reporting agency, in violation of FCRA 623.

4. Potential Tenant and Consumer Rights Violations : If this alleged debt originated from a lease or rental arrangement, I may also have tenant rights under local landlord-tenant laws and the Fair Housing Act. I never received a proper demand for payment, itemized statement, or any dispute resolution opportunity as required by fair housing and tenant protection laws.

Relief Sought : 1. ) I am requesting the CFPB to take action against FAIR COLLECTIONS & OUT for the above violations and : 2. ) Require FAIR COLLECTIONS & OUT to immediately delete this collection account from all consumer reporting agencies ( XXXX XXXX XXXX XXXX ) due to failure to provide proper validation, legal standing, and required notices.

3. ) Order the company to cease and desist from further collection or reporting activities until full validation and lawful documentation is provided. 
Investigate potential violations of the FDCPA, FCRA, and any applicable tenant protection laws. 

4. ) Assess penalties and require restitution for the distress, credit damage, and legal noncompliance Ive experienced due to their actions. 

I respectfully request a copy of all findings related to this complaint and any corrective action taken. Thank you for your attention to this serious matter. 

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