FAIR COLLECTIONS OUTSOURCING, INC.

2019-11-27

PA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: XXXX XXXX2014 fair collections and out XXXX XXXX @ XXXX XXXX XXXX {$6500.00} I despised this I dont understand why this is my responsibility. I lived in my boyfriends home but if I was ever gon na go live with my parents or stay a few days it was said I had to give my info. I was not working while living here nor was this my residence. Had I ever realized this debt would fall on me I never would have handed these people my info and if I needed to go home to my parents a shelter would have been a better option. Its infuriating this large sum is stuck on my credit and at no time did I ever say if my parents defaulted I would take responsibility for the money they owe. I had no job making it real hard for me to pay the $ XXXX monthly rent. Crooks I never spoke to anyone here at the property that I would gladly pay the rent. This is beyond upsetting I wish I was told the woman who rented the place to my parents never met me bet she has no clue who I am yet Im responsible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-24

Margate, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-14

Gastonia, NC

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-12

Alexandria, VA

Threatened to contact someone or share information improperly

Debt collection: I do not know

Contacted your employer
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-12

Dallas, TX

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: Attempted to apply for a new apartment but was denied due to outstanding balance with my former apartment. I did not know I owed apartments until I attempted to apply for new apartment. I've lived in other places and it was never brought up. Beginning around XX/XX/19 contacted collection agency to attempt to settle debt of {$1400.00}. Have made several attempts to PAY to settle but have not been able to due to lack of communication between collection agency and former apartment, per the collection agency. My most recent call to collection agency on XX/XX/19, my representative states he has not heard back from former apartment to settle. On that same day, XX/XX/19, I Contacted former apartment, spoke with a representative, states they have not received any correspondence from collection agency regarding my attempt to settle debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-09

Superstition Mtn, AZ

Written notification about debt

Debt collection: Other debt

Notification didn't disclose it was an attempt to collect a debt
Complaint: I was never contacted by the company for this debt. It was a joint account, both parties should have been contacted but I was not. The bill that was sent by the original company, was back in XXXX, when I spoke with them, they said the other party on the bill was paying. Next thing I know, it shows up months later on my credit score. I was never contacted by this company and I was never given anything to contact them with. Their number isnt even valid that shows up on the credit score report when I filed a dispute. A company should send information to someone with contact info in they want a response. Very shady business practice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-07

Deltona, FL

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-07

Hazelwood, WA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-05

Carver, MA

Written notification about debt

Debt collection: I do not know

Notification didn't disclose it was an attempt to collect a debt
Complaint: Noticed on my credit report I had a past due collections from XX/XX/2019 for {$1500.00}. I never received a letter/notice regarding anything being owed nor have I been contacted by debt collection or company I owe. Account disputes in XX/XX/2019, tried to contact company mid XX/XX/2019 without success.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-31

Tampa, FL

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: From XX/XX/XXXX to XX/XX/XXXX I rented a house at XXXX XXXX XXXX XXXX in XXXX FL XXXX from IXXXX XXXX. Upon vacating I completed the required steps of cleaning the house. On XX/XX/XXXX I received a letter from FCO ( Fair Collections & Outsourcing ) stating that not only were they keeping my security deposit but also charging me an additional {$1300.00}. Prior to this letter, I was never notified by XXXX XXXX that there were any problems. They are now threatening my credit rating and I don't even know what they are charging me for?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-25

Las Vegas, NV

Attempts to collect debt not owed

Debt collection: Mortgage debt

Debt was result of identity theft
Complaint: I have a loan with FAIR COLLECTIONS & OUTSOURCING. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and FAIR COLLECTIONS & OUTSOURCING with no successful resolution. XXXX only reporting me late. There was definitely an error on their part.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-24

Washington, DC

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: Discovered my credit was in poor condition due to a collection agency named Fair Collections and Outsourcing demanding I pay almost {$8000.00} on behalf a apartment management company. I have no letters, emails or paperwork from this company. Just the limited information I found online when looking up my credit score. Due to unsafe and dangerous living conditions in the apartment I was living in I had to move out of my apartment. When I first moved in I was not informed by management that the tenant was mentally unstable and actually needed a caretaker due to his mental illness.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-23

Tampa Palms, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Balance {$2500.00} Highest Balance {$2500.00} Opened XX/XX/2013 ( 6 yrs ) Collection account Original Creditor Name XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-22

Stevenson, MD

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: Fair Collection and out keeps calling and will never tell me who they are or why they are calling without confirming my personal information first. I ask why they are calling and they say they cant tell me untill the info is confirmed. All they tell me is its in regard to a personal business matter. I check my credit report and see that they are reporting the collection on my report which is damaging my credit. I asked for a validation of yet to show that I had a contract with them, also I dont owe the money I stayed in the apartment for 3 years which is normal wear and tear and I turned the key in on the day I was supposed to. I also asked the rental office to do a walkthrough with me and they refused.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Untimely Response

2019-10-15

Harrisburg, PA

Took or threatened to take negative or legal action

Debt collection: Mortgage debt

Threatened or suggested your credit would be damaged
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-13

Arlington, VA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: FCO claims I owe a debt to XXXX XXXX XXXX XXXX. I have contacted XXXX XXXX XXXX XXXX and was told they no longer own the property and XXXX does. I called the company and was told that it was a application that I was supposedly did online which I did not. They are also shocked it went to collections and that they no longer seeking money even if I did it! So the only people collecting the money is the collection agency when I never applied I can show verification where I was living. So this account is not mine and sorry they are collecting or trying to collect money from a debt that isnt mine
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-09

FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: On XX/XX/2019 i received a letter from FCO ( Fair Collections & Outsourcing ) stating that a client has forwarded an account for collection on the amount of {$5100.00} sent by a creditor XXXX XXXX XXXX. ( acc XXXX ) I have nothing to do with this debt. I called XXXX right away to warn them that my information has been used illegally. I also found out my information was hacked at XXXX. I requested a fraud alert to be instituted on my credit report at XXXX and the other 2 credit agencies. I called FCO using the number on the letter ( which doesnt match the one on their website ) and told them i had no idea what this was all about. I spoke to two gentlemen who said someone had used my name and credit as a cosigner or collateral or something in that manner by a person name XXXX XXXX ... .after i requested info on this i got a letter with a print out of charges from a rental property rented by " XXXX XXXX , XXXX '' with a phone number XXXX XXXX XXXX. ( as per fco papers ) Before this information got to me i contacted the local Sheriff Office and i file a report of identity theft, The officer told me to go to file a report with the Federal Trade Commission which i did. I also got a Free credit monitoring service by XXXX due to the data breach that included my information. Soon after i received a Identity Theft Affidavit questionnaire mailed by FCO this questionnaire asked for very personal information including name address, social security number, copy or my driver license etc etc .... i am sorry but with my information already being out there i will not send this personal information but i will send the sheriff and the Identitytheft.gov report as well as this one. FCO hase not even produce a single document showing where i had signed, requested or agreed to rent n apartment ... ... i have never been to the city where this apart was rented nor i dont know who the person who rented the place is. Now i am being threaten with this debt being put into my credit report. I will be reporting to the Sheriff office the full name of the person as before i only had a partial and incomplete name i was given by FCO
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Untimely Response

2019-10-05

Round Rock, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-04

Cherry Brook, MA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: Hi, I was actually talking to a representative from FCO and made payment to pay off this account and they mentioned that as long I pay the collection account, they will remove this from my credit report. Fast forward several years later, it's still on my credit and attached is a paid-off letter receipt from them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-01

Brooklyn, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: In XX/XX/2017, I started a new job in XXXX and rented a one-bedroom apartment in XX/XX/2017 from XXXX XXXX ( XXXX XXXX ) on a 1-year lease. Due to problems on the job and a family issue ( my family lived in XXXX XXXX XXXX while I worked in XXXX ), I had to break the lease in order to relocate back to XXXX, and I paid an extra 1-month rent to break the lease based on the lease agreement. I also paid up my apartment rental fees up to date. I ensured to clean up the apartment before I left the XXXX XXXX. No debris or items was left-over. Nothing was damaged either. By cleaning, I meant I cleaned-up the bathroom, kitchen and the carpet. I did not collect my security deposit and the garage deposit before I left. However, after I had left the apartment in XX/XX/2017, XXXX XXXX started harassing me with another bill, claiming the stove and the bathtub was not cleaned enough. I explained how I had taken my time to clean up the kitchen, the bathroom, living room, and the bedroom. All my explanation fell on deaf ears and XXXX went on to charge off a {$420.00} that they made up, to a collection agency, who in turn forwarded it to the credit bureau. The collection has already hit my credit account status and had brought down my credit score from over 700 to just above 600. I have a 3-bedroom rental property in XXXX as well and we don't treat renters like I have been treated - i.e. XXXX wants me to essentially bring the bathtub and the kitchen to a NEW status after it has been used by several tenants. It is a known fact everywhere, that both landlords and new renters have to do a little cleaning to move in on day 1. Right now, the {$420.00} undeserved bill is hurting my credit score. I need the assistance of the credit bureau to help me assess the ill-treatment I have been accorded by XXXX XXXX. Thanks, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-24

Valrico, FL

False statements or representation

Debt collection: Mortgage debt

Attempted to collect wrong amount
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-21

Danville, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-17

Santa Ysabel, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: HAS BEEN MAILED VIA CERTIFIED MAIL TO XXXX, XXXX, XXXX FRAUD DEPTS : UTILITY BILL, DRIVERS LICENSE, SOCIAL SECURITY CARD, MILITARY ID, FTC ID THEFT REPORTS, XXXX DATA BREACH CLAIM/ VICTIM LETTER, XXXX E-MAIL DATA BREACH VICTIM LETTER, REQUEST TO REINVESTIGATE OR BLOCK FRAUDULENT ACCOUNTS. MY IDENTITY HAS BEEN USED FRAUDULENTLY TO OPEN ACCTS, MY EXISTING ACCTS WERE EITHER TAMPERED WITH WITHOUT MY CONSENT OR TRANSACTIONS DONE WITHOUT ME KNOWING BY HACKERS. I AM FED UP OF DEALING WITH THESE CRAS AND THEY DONT NOT REVIEW RECEIVED INFORMATION OR VERIFY NEITHER CONFIRM REINVESTIGATION DOCUMENTS SUBMITTED. THEY ARE NOT IN A POSITION TO BE A REPORTING AGENCY SINCE THEY ARE SIMPLY A MIDDLE AGENT FAVORING THE CREDITORS. I AM A PRIVATE CITIZEN AND NOT A STATE OR FEDERAL ACTOR AND I TAKE MY PRIVACY SERIOUS. CERTIFIED MAIL LETTERS HAVE BEEN MAILED OUT TO ALL THREE CRAS AND XXXX STILL REPORTS INACCURATE FALSE INFORMATION ON A PRIVATE CITIZEN ALSO XXXX REPORTS A FRAUDULENT COLLECTION TOO.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-16

Tibbs, MS

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-13

GA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was paid
Complaint: On XX/XX/2018 i was offered a settlement offer in exchange for a pay for deletion. The debt was paid. Fair collection & outsourcing was removed from my XXXX report. Yet it is still showing on my XXXX and XXXX as i owe them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response