Consumer complaint received 2024-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
Demand to Cease and Desist Collection ActivitiesPrior to Validation of Purported Debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act. 


XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$710.00} XXXX {$710.00} XXXX - {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX History XXXX XX/XX/XXXX ; XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$4400.00} XXXX {$4400.00} XXXX - {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX FILE # XXXX XXXX # INVALID DATE COMPLETED XX/XX/XXXXXXXX XXXX XXXX BY XXXX XXXX XXXX  ACCOUNTS STATUS XXXX  ACCT TYPE TERMS SOURCE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  History : XX/XX/XXXX ; XXXX ACCOUNT INFORMATION DISPUTED BY CONSUMER ; ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX DP OF EDUC XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$11000.00} EDU {$11000.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  History : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX CUSTOMER UNABLE TO LOCATE CONSUMER This constitutes legal notice under federal law that regulates the activities of collectionagencies and their representatives.You are hereby notified, under provisions of Public Law 95-109, Section 805-C, THE FAIR DEBT COLLECTION PRACTICES ACT to hereby CEASE AND DESIST in any and allattempts to collect the above debt.Pursuant to the Fair Debt Collection Practices Act.

15 U.S.C.A 1601.1692 et al.

thisconstitutes timely written notice that, I decline to pay the attached erroneous purported debt whichis unsigned and unattested, and which I discharge and cancel in its entirety, without dishonor, onthe grounds of false representation and fraud. No judgment has been entered on this matter.15 U.S.C . 1692 ( e ) states that a " false, deceptive, and misleading representation, inconnection with the collection of any debt, '' includes the false representation of the character or legal status of any debt. I have incurred no liability for this debt.Said Notice contains, false, deceptive and misleading representations, and allegationsintended to pervert the truth for the purpose of inducing me, in reliance upon such, to part with property belonging to me and to surrender certain substantive legal and constitutional rights. Toact upon this Notice would divest me of my property and my prerogative rights, resulting in alegal injury to me.Pursuant to 15 U.S.C. 1692g ( 4 ), Validation of Debts, if you have evidence to validateyour claim that the attached presentment does not constitute fraudulent misrepresentation and thatI owe this alleged disputed debt, this is a demand that, within 30 days, you provide such validationand supporting evidence to substantiate your claim. 






XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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