CFPB COMPLAINT DATABASE
531 real consumer complaints filed against Fair Collections & Outsourcing, Inc. at the Consumer Financial Protection Bureau in the last 12 months. 2 received relief from the company. Median federal response time: 15 days.
The 30 most recent complaints against Fair Collections & Outsourcing, Inc. where the consumer chose to publish their narrative.
I am submitting this dispute because I have not received proper validation of the alleged debt after requesting it in writing. The information being reported remains unverified, and I am seeking confirmation or correction to ensure the accuracy of my credit report under the Fair Debt Collection Practices Act.
This is my second formal dispute regarding an account reported on my consumer credit reports I previously disputed this account through the consumer reporting agencies, and despite that, the furnisher/collection agency continues to verify the account as accurate without providing any competent validation of the alleged debt. To date, I have not received any documentation that proves I have a legal obligation to pay this account. The company has failed to provide basic validation such as a signed contract, a complete payment history, or proof of their legal authority to collect this debt. Additionally, the account contains multiple inaccuracies and inconsistencies, including : Reporting a credit limit on a closed account Inconsistencies between the last payment date and delinquency status Incomplete and misleading account details These issues demonstrate that the information being reported is unreliable and unverifiable.…
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
The lease was up for my apartment. They told me that I needed to either sign a new lease or move out. I informed them that once my lease was up I would be leaving. They said that they only needed that verbal notice because it was the end of my lease. I went back to meet with them once my apartment was cleared and cleaned out. They said that I could leave the keys with them. I asked if I needed to do anything else the property XXXX brought me into the office to check my balance once more and said that I had a XXXX balance. I had left a deposit and she wasnt sure when it would be sent out. I never returned to that complex
Inaccurate and Inflated Balance XXXX XXXX XXXX Account I am formally disputed the balance being reported and collected for the XXXX XXXX XXXX account currently assigned to Fair Collection & Outsourcing. They did not respond. The reported balance is inaccurate and does not reflect the true accounting of the account. First, a {$3500.00} security deposit was paid and has not been applied or reflected in the balance. This omission results in a materially inaccurate amount being reported. Second, I was forced to vacate the unit and was denied the ability to continue tenancy despite my attempt to resolve the account. Payment fo r XXXX and XXXX was not accepted, and I was not permitted to remain in the unit. Despite this, the balance being reported includes charges for additional months ( XXXX and XXXX ), which were incurred after I was no longer in possession of the property. These charges are improper and not legally owed.…
I am filing a complaint against Fair Collections & Outsourcing ( FCO ) regarding a collection account they are reporting on behalf of Invitation Homes, which I dispute as inaccurate and invalid. This alleged debt stems from Invitation Homes improper withholding of my security deposit and charges tied to documented deceptive practices that have been subject to enforcement action by the Federal Trade Commission, and I have provided supporting documentation including a class action lawsuit and FTC-related settlement materials. Despite this, FCO continues to report and attempt to collect the debt. I formally disputed the account and requested proper validation, including a current itemized breakdown and proof that the balance is not derived from unlawful charges ; however, FCO relied solely on the creditors confirmation and documents allegedly sent in 2022, failed to conduct a reasonable investigation, and did not provide adequate, current validation or address the legitimacy of the…
I have a collection account on my credit profile for unpaid rent due to an XXXX. The collection account has been assigned to fair collections and outsourcing on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account number ending in XXXX. The owed amount is $ XXXX unpaid rent. I lived at this complex from XXXX XXXX of XXXX and and In XXXX also I was XXXX from for approx 6 months. The apartment complex was aware that I was not living in the apartment due to me being XXXX. I dont feel that I should be responsible for this debt and it should be removed from my credit profile with XXXX XXXX XXXX XXXX XXXX I have tried several times to reach out to the apartment complex to explain why I was not able to pay the rent but they refused to speak to me because they said it was with this collection agency.This delinquent account should be removed from my credit profile as they were aware I was not living in the apartment.
On XX/XX/year>, a collection account from Fair Collections and Out was reported on my XXXX credit report with a balance of {$3200.00}. I disputed this account directly with the company and requested validation, including an itemized breakdown of the amount and proof of how it was calculated. The company failed to provide any documentation. Despite this, they continue to report and update the account. The balance is inaccurate and the reporting is inconsistent, showing {$0.00} amount delinquent while still reporting a balance. I believe this violates the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I am requesting deletion of this account if it can not be fully verified as accurate.
MY PERSONAL INFORMATION WAS SHARED WITH T SEVERAL DIFFERENT THIRD-PARTY DEBT BUYERS WITHOUT MY CONSENT ON AN AGREEMENT WITH THESE DEBY BUYER COMPANIES. I ALSO HAVE HARD INQUIRIES THAT I DID NOT AUTHORIZE. THESE ACCOUNTS AND INQUIRIES REPORTING ON MY CREDIT REPORTS WERE OPEN FRAUDULENTLY. UNDER FCRA LAW SECTION 605B IT IS ILLEGAL TO HAVE ANYTHING REPORTED ON MY CREDIT WITHOUT MY PERMISSION.
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Fair collections & Out XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Account Number XXXX To Whom It May Concern, I am writing in response to your attempt to collect an alleged debt referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting validation of this debt. I dispute the validity of this debt in its entirety and request that you provide proper documentation to verify the following : - The amount of the alleged debt, including an itemization of any interest, fees, or charges- The name and address of the original creditor - Copies of any agreement or contract bearing my signature showing that I agreed to this debt - Proof that you are legally authorized to collect on this debt - Documentation showing that this debt is within the applicable statute of limitations Until you provide the requested validation, you must cease all collection activities and…
On XX/XX/year>, a collection account for {$3000.00} was opened on my credit report. I disputed this debt because it is not valid. According to my lease agreement, I am not responsible for any charges if the lease is terminated due to medical reasons. I provided medical documentation to support my situation. I contacted the company and requested full validation of the debt, including a breakdown of the charges and proof that I am responsible. However, they only responded that the debt is valid without providing proper documentation. Despite my dispute, they are still attempting to collect this amount and report it on my credit. This is incorrect and unfair.
Whom It May I am writing in response to your recent contact regarding the alleged debt referenced on my credit report and/or collection notice. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this debt. I dispute this debt and request that you provide proper verification before any further collection activity continues. Please provide the following : The name and address of the original creditor The account number associated with the alleged debt The amount of the alleged debt, including an itemization of any interest, fees, or additional charges Copies of any agreement, contract, or signed documentation showing I am legally obligated for this debt Proof that your agency is authorized to collect on this debt Proof that the debt is within the applicable statute of limitations A complete payment history, including the date of default Until you provide proper validation, I request that you cease collection…
I sent a debt validation requests via certified mail. The first was received XX/XX/year>. The collector failed to respond to either within the 30-day period required under the FDCPA. On XX/XX/year> more than 30 days after receiving the request they updated the account on my credit report without ever providing validation. This constitutes continued collection activity on an unvalidated debt in violation of 15 U.S.C. 1692g. The original creditor never provided an itemized move-out statement as required under Texas Property Code 92.109. The debt can not be properly validated without documentation the original creditor failed to produce.
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.
I am submitting this complaint regarding a collection account reported by XXXX XXXX that I believe was improperly assessed, unjustly escalated, and inaccurately reported to the credit bureaus. In 2023, my family and I were required to terminate our lease approximately three months early due to an emergency relocation. We promptly notified XXXX XXXX of our circumstances and made every effort to fulfill our obligations in good faith. We paid the remaining rent owed for the lease term in full, with the understanding that this would satisfy our financial responsibility under the lease. Following this payment, XXXX XXXX asserted that additional amounts were owed. These included early termination fees, continued utility obligations through the end of the lease period, and the retention of our full security deposit. These additional charges were not reasonably justified, particularly given that the property was left in excellent condition upon our departure.…
I am submitting this complaint regarding a collection account reported by XXXX XXXX that I believe was improperly assessed, unjustly escalated, and inaccurately reported to the credit bureaus. In XXXX my family and I were required to terminate our lease approximately XXXX months early due to an emergency relocation. We promptly notified XXXX XXXX of our circumstances and made every effort to fulfill our obligations in good faith. We paid the remaining rent owed for the lease term in full, with the understanding that this would satisfy our financial responsibility under the lease. Following this payment, XXXX XXXX asserted that additional amounts were owed. These included early termination fees, continued utility obligations through the end of the lease period, and the retention of our full security deposit. These additional charges were not reasonably justified, particularly given that the property was left in excellent condition upon our departure.…
A {$480.00} collection account was placed by Fair Collections & Outsourcing related to alleged apartment charges witXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. This was months after I moved out of XXXX XXXX in XX/XX/XXXX. I do not have any record of this dispute so I reached out to the collector to inquire. On XX/XX/XXXX, I sent a debt validation request to the collector via certified mail, which was delivered and signed for by the collector on XX/XX/XXXX. In that letter, I requested validation of the debt, including an itemized statement of charges, documentation supporting any claimed damages, and evidence that I am legally responsible for the amount. I also requested that all further communication and validation be provided in writing, XXXX XXXX or email, within 30 days. I received no response or documentation. Despite failing to respond to my validation request, the collector continues to report this account to XXXX.…
The collection agency ( FCO ) is actively reporting and attempting to collect a fabricated debt of {$1300.00}, despite their own agent verbally admitting on a recorded line that the original creditor has no grounds to pursue the collection. Furthermore, the original creditor is using the collection agency as a punitive tool to extort a fabricated XXXX-star review from me. Timeline of Violations & Bad Faith Practices : XXXX. The Fabricated Debt and Extortion : In XX/XX/XXXX, my property management explicitly agreed to a mutual early lease termination due to severe habitability and health issues ( secondhand smoke infiltration and unresolved maintenance ). I have written confirmation from the Assistant Property Manager orchestrating our move-out. Subsequently, the creditor fabricated a lease-break charge of {$1300.00} and verbally implied it would be waived only if I provided a fabricated XXXX-star review of their property.…
CFPB Complaint ( Not My Debt - Request for Deletion ) Company : Fair Collections & Outsourcing ( FCO ) Issue : Incorrect information on credit report / Attempt to collect debt not owed I am disputing a collection account that Fair Collections & Outsourcing is reporting on my credit file. This debt does not belong to me. I have never had an account with the original creditor, and I have never authorized or agreed to any debt that FCO claims to be collecting. This account appears to have been sold or transferred to FCO without proper verification or documentation. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am requesting that FCO provide complete validation, including : Proof that am the correct consumer A copy of the original signed agreement A full itemized breakdown of the alleged balance Chain of custody showing how the debt was acquired Since this debt is not mine, FCO is reporting inaccurate information to the credit bureaus.…
I disputed a debt being reported by Fair Collections & Outsourcing related to an alleged rental balance. The company verified the debt with credit bureaus but has failed to provide proper validation when requested directly. I specifically requested documentation showing : - Proof that I failed to give required notice - Proof of any unpaid rent - Documentation showing efforts to re-rent the unit ( duty to mitigate damages ) No such documentation has been provided. Despite this, the company continues to report the account as verified and accurate to credit bureaus. I am requesting that the company either provide full documentation validating this debt or remove the account from my credit reports.
I moved out of XXXX XXXX in XX/XX/XXXX and the agreement was that this is a penalty free agreement. I found out yesterday XX/XX/XXXX that I owe money. Today, XX/XX/XXXX, I call the debt collection agency and they said they had no address on file for me so, they sent it to the last known address. They claimed they called me before sending it to collections. Ive checked phone logs and voicemail and havent received calls. Additionally, I received no notice of this debt and they admitted they sent it to the last address.
On XX/XX/year> after my lease with XXXX XXXX had ended and I had vacated the house located at XXXX XXXX XXXX XXXX, I received a move out statement full of random amounts that when added together the total was around XXXX dollars which coincidentally is the maximum amount allowed by the state ( 2 times the monthly rent ). They proceeded to confiscate my security deposit of aprox XXXX dollars and the remaining balance was sent to a collection company called FCO who did not verify if the amounts were accurate and could not provide me with any proof like receipts. FCO then proceeded to destroy my credit with the fake amount of XXXX dollars. The FTC recently found XXXX XXXX to be performing this kind of scam adding junk fees and deceitful fees to move out statements. Both XXXX XXXX and FCO have refused to help me solve this issue. I want FCO to immediatelly remove the fake collection out of my credit report.
Consumer : XXXX XXXX Issue : Failure to reinvestigate and inaccurate reporting. I have disputed accounts multiple times. The credit bureaus failed to comply with FCRA : - 15 U.S.C. 1681i ( a ) ( 1 ) - 15 U.S.C. 1681i ( a ) ( 6 ) - 15 U.S.C. 1681e ( b ) They failed to provide signed contracts or proper verification. I am requesting immediate deletion of all disputed accounts. This is formal notice of intent to sue for failure to properly investigate and verify disputed accounts. You have 10 days to delete all inaccurate accounts or I will proceed with complaints and legal action. XXXX XXXX
I am filing this complaint regarding a collection account reported by FCO that remains on my credit reports despite repeated disputes and failure to properly verify the debt. Since 2023, I have submitted multiple disputes to XXXX XXXX XXXX requesting validation of this account, including a request for documentation bearing my signature and clear evidence that I am legally obligated for this alleged debt. To date, I have not been provided with any signed contractual agreement or competent evidence that satisfies the legal requirements for verification. Instead, I have received incomplete and unreliable documentation that fails to establish liability. Additionally, this account is being reported with materially inconsistent information, including conflicting open dates and last activity dates across credit bureaus. This constitutes inaccurate and misleading reporting.…
I owed FCO a balance from a prior renter 's debt I owed. I contacted them in XX/XX/XXXX to settle the debt and have it removed from my credit record. I paid them and understood that the debt would be removed. The original balance was {$1000.00}, and I agreed to pay {$760.00} in exchange for settlement and deletion. On XX/XX/XXXX, I contacted them again, as the debt was still present on my account, showing settled but still existing. This was not what I understood from the conversation with my representative of my account with FCO, XXXX. On XX/XX/XXXX, I spoke with XXXX again and asked him how we could remedy the situation, and I was told he could not delete the debt. I asked to speak to a supervisor and I was put on hold for 15 minutes. After that period of time, XXXX came back on the phone and said his supervisor was not available. He gave me two options - I could either call back at a later time, or I could request a call back from the supervisor.…
Company Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Product : Credit reporting Issue : Incorrect information on credit report Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am filing a complaint regarding inaccurate and inconsistent credit reporting that has been verified by XXXX XXXX and XXXX despite clear contradictions in the documentation and evidence of identity misuse. This account relates to a residential lease that began in XXXX and expired in XX/XX/XXXX. I did not sign any renewal or extension and vacated the property at that time. However, the creditors own documentation reflects a conflicting and inaccurate timeline. A Move-Out Statement and Itemized Disposition of Security Deposit list a move-out date of XX/XX/XXXX, which is more than five years after the lease expiration. These documents also include rent charges and fees for XXXX and XX/XX/XXXX, despite no lease agreement existing during that time.…
I recently reviewed my credit report and discovered collection account listed as FCO XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under XXXX U.S.C. XXXX ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under XXXX U.S.C. XXXX ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that these accounts have the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.
I was charged rent for XX/XX/year> despite being unable to access or occupy the unit due to circumstances beyond my control. I was arrested on XX/XX/year>, after having already paid the full rent for XXXX. I did not reside in the unit for the remainder of that month and had no ability to return or manage the lease thereafter. Timeline of Events : XX/XX/year> : I was arrested. At that time, law enforcement confiscated my keys to the rental unit as evidence. XX/XX/year> : My mother contacted the property management company to explain the situation and requested access to remove my belongings before XXXX. She was denied access. Around this time, I also participated in a three-way call with my mother and the property, during which they stated that access to the unit would only be granted if the physical key was presenteddespite being informed that the key was in police custody. XX/XX/year> : My mother was advised to obtain power of attorney in order to act on my behalf.…
Invitation Homes FAIR COLLECTIONS AND OUT XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Even though this company lost a federal law suit for the exact reasons they placed this fraudulent collection against me, they refuse to remove this record from my credit report. Attached is a letter from the FTC. For more info, XXXX XXXX XXXX
Dear Sir or Madam, I am writing a response to your communication regarding an alleged debt. I am requesting validation of this debt as provided for under the Fair Debt Collection Practices Act. Please provided the following : The amount of the debt, including any fees or interest. the name and address of the original creditor. Documentation showing that I agreed to this debt. Proof that your company is authorized to collect this debt. Until you provide proper validation, I request that you cease all collection activities and communication with me regarding this matter. If you can not validate this debt, please confirm in writing that the account has been closed and that no further collection action will be taken. Sincerely, XXXX XXXX
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