Consumer complaint received 2025-11-23 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: NC

Complaint narrative:
I respectfully submit this complaint to request an investigation into Fair Collections & O and XXXX XXXXXXXX XXXX XXXXXXXX for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). These violations include furnishing an alleged debt to consumer reporting agencies without providing the mandatory initial notice, refusing to provide validation, refusing to remove unverified information, and obstructing my statutory rights. 

XXXX. Failure to Provide the Mandatory Initial Written Notice ( FDCPA 1692g ( a ) ) Under 15 U.S.C. 1692g ( a ), the collector must send a written notice within five ( 5 ) days of initial communication, informing the consumer of : The amount of the alleged debt, The creditors name, The consumers 30-day right to dispute, and The consumers right to obtain validation.

I affirmatively state that I never received any such notice, nor any written communication from the collection agency before the debt was reported to my credit file.

2. Denial of My Statutory 30-Day Dispute Period Consumer Rights Were Unlawfully Circumvented Had the collector sent the initial notice as required, I would have had a legally-protected 30-day period to dispute the debt before any collection activity or credit reporting occurred, as mandated by FDCPA 1692g ( b ).

By failing to send that notice, the collection agency : Deprived me of my 30-day dispute and validation rights, Prevented me from exercising my right to demand documentation prior to collection reporting, and Engaged in premature and unlawful credit reporting. 


This is a material violation directly affecting both due process and accuracy under the FDCPA and FCRA. 

XXXX. Refusal to Provide Proof of Mailing, Validation, or the Address Used ( FDCPA 1692g ( b ), 1692e ) When I requested : A copy of the initial notice, Evidence of mailing, and The specific address the notice was supposedly sent to, the collector refused to provide any of these items.

A legitimate debt collector in compliance with 1692g ( a ) would possess and disclose this information. Their refusal strongly indicates that the notice was never mailed, which constitutes : A failure to validate under 1692g ( b ), and A deceptive and misleading representation under 1692e.

4. Unauthorized Credit Reporting of an Unvalidated Debt ( FDCPA 1692g ( b ) & FCRA 1681s-2 ( a ) ) Despite never sending the legally required notice and never providing validation : The collection agency furnished the alleged debt to the credit bureaus, Has continued to report the debt, and Is refusing to remove the unvalidated information.

Under FDCPA 1692g ( b ), a debt collector must cease all collection efforts, including credit reporting, until validation is provided.

Under FCRA 1681s-2 ( a ), a furnisher may not report information it knows or should know is inaccurate or unverified.

Refusing to remove a debt that has never been validated is a continued violation of both statutes.

5. Refusal to Remove the Debt Despite Being Unvalidated After discovering the collection on my credit report, I contacted the agency and disputed the accuracy and validity of the alleged debt. The agency : Refused to provide validation, Refused to provide proof of mailing, Refused to identify the address the notice was allegedly sent to, and Refused to remove or correct the unverified credit reporting.

This refusal is improper under : FDCPA 1692g ( b ) ( failure to cease collection activity ), FCRA 1681s-2 ( b ) ( failure to conduct a reasonable investigation ), and FCRA 1681i ( failure to correct or delete inaccurate information ).

A collector can not refuse removal when they can not validate and can not prove compliance with 1692g ( a ).

6. Apartment Complexs Failure to Request or Use Forwarding Address Upon vacating the apartment, the property management : Did not request my forwarding address, Did not document one, and Did not send me any final billing statement or notice of balance due. 


If the apartment claims otherwise, I request the CFPB require : Documentation showing how and when my forwarding address was obtained, Copies of all final account statements, Proof of mailing, and Internal logs showing such communication occurred. 


Failure to provide such documentation supports the conclusion that no proper notice was ever issued by the original creditor, further undermining the validity of the alleged debt. 

XXXX. Requested CFPB Action and Documentation I request that the CFPB compel both parties to produce the following : From the Collection Agency : Complete copy of the initial notice required under 1692g ( a ) Proof of mailing and the exact address used Complete validation package under 1692g ( b ) Documentation supporting the furnishing of the debt to credit bureaus From the Apartment Complex : Records of any forwarding address obtained Copies of all final bills or notices Proof of mailing or delivery Itemized breakdown of any charges If the required documentation can not be produced, I request : Permanent deletion of the collection account from all credit bureaus, Cessation of all collection activity, and Written confirmation of compliance with FDCPA and FCRA.

8. Summary of Violations FDCPA Violations 1692g ( a ) No initial written notice 1692g ( b ) Failure to cease collection without validation 1692e False, deceptive, or misleading practices FCRA Violations 1681s-2 ( a ) Reporting unverified/unvalidated information 1681s-2 ( b ) Failure to reasonably investigate and correct 1681i Failure to ensure accurate and complete reporting The collection agencys actions deprived me of my federally protected right to dispute the debt within 30 days, resulted in unlawful credit reporting, and continue to harm my credit standing. Their refusal to validate, to provide proof, or to remove the unverified debt constitutes ongoing violations. 
I respectfully request CFPB intervention and enforcement.

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