Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XX/XX/2025 Fair Collections & Outsourcing of XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MD XXXX Subject : Immediate Dispute & Demand for Debt Validation - Account # XXXX To Whom It May Concern, I am formally disputing the alleged debt assigned to me under Account # XXXX. Based on my review of the Fair Debt Collection Practices Act ( FDCPA ) and relevant Massachusetts tenant laws, this debt is invalid, unenforceable, and should be removed from your records immediately. 

Invalid Charges & Legal Non-Compliance 1. Water/Sewer Overcharges The charges assessed against me for water and sewer were consistently inflated due to improper calculations. I demand a complete breakdown of these charges, including documentation proving their accuracy. Until such validation is provided, this portion of the debt is disputed and unenforceable. 

2. Security Deposit Interest Violation Under Massachusetts General Laws Chapter 186, Section 15B ( 2 ) ( a ), my former landlord was legally obligated to pay interest on my security deposit annually or upon move-out. Since this requirement was not met, any deductions made against my deposit were illegal. If this debt includes deductions based on those funds, your agency is attempting to collect on an illegitimate balance. 

XXXX. Failure to Perform a Reasonable Accommodation ( RA ) Prior to my move-in, a reasonable accommodation was approved to replace the carpet in the primary bedroom with non-flooring due to my XXXX. This request was neglected, and any related carpet charges are the direct result of the propertys failure to comply with federal fair housing laws. Your agency is attempting to collect on a charge that never should have existed. 

4. Unfounded Blinds Replacement Charges Per HUD Guidelines, the expected lifespan of plastic blinds is three years. Without evidence that the blinds were within this period at the time of my move-out, any attempt to bill for replacement is baseless and unenforceable. I expect written proof of the last replacement date, or this charge must be removed immediately. 

Required Actions & Compliance Timeline Under the FDCPA, I am demanding the following actions be taken immediately : - Within 5 business days Provide full debt validation, including itemized charges, move-in/move-out documentation, and proof of compliance with Massachusetts security deposit laws. 
- Within 10 business days Confirm in writing that all disputed charges have been removed from my account and that all collection efforts have ceased. 
- Within 30 days If the original creditor fails to acknowledge the legal violations involved, I will take the necessary steps to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Massachusetts Attorney Generals Office, and, if necessary, pursue legal action. 

This letter serves as formal notification that I do not acknowledge this debt as valid. Failure to comply with the timelines outlined will result in further action against your agency and the original creditor. 

I expect your written response confirming resolution of this 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