Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
URGENT HELP Identity XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX and my minor chld I filed this complaint : XXXX : I am a New York resident and XXXX XXXXXXXX XXXX XXXX XXXX XXXX am filing this complaint against Fair Collections & Outsourcing ( XXXX ) for violations of XXXX XXXX. XXXX. XXXX XXXX XXXX. This debt is XXXX XXXX as defined by XXXX XXXX XXXX. On XX/XX/XXXX I sent a formal Notice of Coerced Debt via Certified Mail ( Tracking # XXXX ] ) to XXXX. This noticed was delivered XX/XX/XXXX ( delivery receipt and delivery confirmation attached ). This notice included a Sworn Statement and my FTC Identity Theft Report ( Report # XXXX ), which constitutes Adequate Documentation under New York XXXX. Under XXXX XXXX XXXX, XXXX is XXXX mandated to immediately cease all collection activities and notify all credit bureaus within XXXX business days that the account is disputed I supplied the attached documentation ( again here ) and the company responded in stalling by stating information has not been provided. In addition, a male agent made inappropriate requests to my minor child during the recorded interaction. I have provided the required legal documentation regaring identify theft and responses to the remaining prompts below : XXXX continues to disregard law and has harassed my minor child. 

We have received your complaint dated XX/XX/XXXX. Thank you for bringing this matter to our attention. Your account, XXXX, with HUB XXXX XXXX, was placed with Fair Collections and Outsourcing ( XXXX ) on XX/XX/XXXX for {$2400.00} and has a current balance owed of {$2400.00}. XXXX has received your claim of fraud. In addition to the partial affidavit of theft provided, please provide the following items : XXXX. A government issued photo ID XXXX. A copy of the full affidavit of theft XXXX. Proof of residency during the time in question [ XXXX ]. Examples of what will be accepted include : mortgage statements, a full lease signed and dated by all parties, or utility bills in your name. Please note that we do not need proof of where you currently reside but where you lived during the time period previously stated. We prepared this response in compliance with the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and CFPB response guidelines, providing complete, accurate, and provided information timely after receipt of the complaint. Thank you for the opportunity to address your concerns. If you have further questions, please contact Fair Collections and Outsourcing. 

Final Reposne to the above harassment / stall : I have already fulfilled all legal requirements to dispute this coerced debt and identity theft. I am re-attaching my FTC Identity Theft Report and Sworn Affidavit.

Proof of Identity : Attached is my government-issued photo ID.

Legal Sufficiency : Per 15 U.S.C. 1681c-2, an FTC Identity Theft Report is " appropriate proof '' to block fraudulent debt. The FCRA does not require utility bills or leases for an identity theft claim.

New York State Law : Under the N.Y. Gen. Bus. Law 604-B ( Coerced Debt ), I am not liable for debt incurred via economic abuse. Providing my address/utilities is impossible as I was not the account holder due to XXXX XXXXXXXX, and forcing disclosure compromises my safety. 

Cease Collection : Per 15 U.S.C. 1681s-2, you must stop reporting this information once notified it is the result of identity theft.

This is my final notice that I have provided the " adequate documentation '' required by law. Cease all collection and remove this tradeline immediately.

STOP CONTACTING MY CHILD YOU SICK PERVERTS. I AM SIMPLY TRYING TO CORRECT ILLEGAL ERRORS YOU COMPANY WILL NOT REMOVE. CHILD PEDOPHILES!!!

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