FAIR COLLECTIONS OUTSOURCING, INC.

2015-09-02

Hillsdale, NJ

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-31

Rancho California, CA

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-29

Glenview, IL

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Right to dispute notice not received
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-15

Burlingame, CA

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Complaint: Fair Collections and Outsourcing ( FCO ), a debt collector and assigned agent of the original creditor, XXXX XXXX XXXX, has been attempting to collect a claimed debt of {$3500.00} for various charges associated with my rental of an XXXX apartment at the XXXX XXXX facility in XXXX XXXX California. FCO has provided as evidence of the debt, a '' resident Journal '' that depicts debit and credit transactions and ending balance. The problem with this XXXX page report is that @ XXXX % of the report is blurred beyond readability, and the ending perpetual balance does not follow from the transactions, but rather is stated seperately on a page not of the transaction report, and in a different typeset. The report as given is useless for purposes of debt validation. FCO is reporting the claimed debt to XXXX, who is reporting it as a delinquent item in collections. I have sent to FCO a copy of the report I received from them, pointing out the unreadable areas, and requesting a fully readable version. I also requested that they provide the name and contact information of authorizing and approving agent at XXXX XXXX Communities. In response, I received a letter from FCO stating they have " verified '' the debt and will continue reporting it to the CRA, FCO did not respond to any of the requests I made for a competent validation of the debt, and identity of the source of the data.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-15

Homecroft, IN

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-09

Houston, TX

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Complaint: The account was closed over 8 years ago. FAIR COLLECTIONS keeps changing the date that the account was closed. It now shows on my credit report as if the account was opened in XXXX. It was opened in XXXX. I moved and closed the account in XXXX.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-08-07

Tarzana, CA

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Complaint: This debt in regards to an apartment that I never lived in is on my credit report. I have contacted the original creditor and the collection agency. The collection agency seems to be going after me for something that I do not owe as I have not lived outside of my parents home and also mentioned another person who never lived at this apartment that they are trying to collect money from. This has been taken up with them before and no police agency will take a report for something that is 6 years old as the collection agency is requesting that I file.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-05

Cheverly, MD

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt resulted from identity theft
Complaint: This debt was from my identity being stolen I didnt open any account that resulted in this collection i have completed a police report which can be verified with the XXXX police @ XXXX report # XXXX and i have a notarized identity theft affidavit from ftc please remove this off of my credit and close my file ASAP
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-08-05

Van Nuys, CA

False statements or representation

Debt collection: Other (i.e. phone, health club, etc.)

Attempted to collect wrong amount
Complaint: I am being collected upon for charges that have already been paid, as well as for charges that are not my responsibility.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-04

TX

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Complaint: XXXX credit bureaus are reporting inaccurate home repair debt information from XXXX XXXX XXXX and Fair Collections & Outsourcing who are not able to show evidence or proof of this reported debt. Their letters to me claim to have " verified '' the debt but this is not true under the law. I sent certified letters to all XXXX reporting agencies that showed the creditor has no record of ever communicating a debt to me. In response to my request for validation of a debt, XXXX XXXX XXXX and Fair Collections & Outsourcing mailed me an illicit and unsigned move-out sheet with fraudulent home repair charges they are using as their supposed evidence that I owe any debt. The company failed to provide the following information : Certified communication notifying me of the debt Signed agreement between myself and XXXX XXXX XXXX or Fair Collections & Outsourcing validating this debt Payments I made toward any original debt and my agreement to pay someone this sum of money Communication to me indicating damages made by myself to the home Statements of accounts or receipts that show contractor payments toward home repair as a result of my negligenceI submitted documentation to the reporting agencies and the creditor that shows XXXX XXXX XXXX is responsible for the repairs listed on the move-out sheet that they are in fact dishonestly charging me. This documentation included:1. An inspection ticket by a XXXX XXXX, TX city inspector showing inadequate home repairs. 2. A certified letter from me to XXXX XXXX XXXX ( dated XXXX XXXX, 2014 ) listing all existing repairs the home needed upon my taking residence. The items listed are various items that XXXX XXXX XXXX shows on the invalid move-out sheet used to charge me this debt. 3. A certified receipt ( dated XXXX XXXX, 2014 ) showing XXXX XXXX XXXX ' receipt of my certified letter. This creditor has several complaints filed against them with the XXXX with other tenants who are victims to their dishonest actions. XXXX XXXX XXXX did not adequately maintain the home in question and has now made unmerited accusations and reported false information to the credit bureau. The repairs listed on the move-out sheet mailed to me are the same repairs I notified XXXX XXXX XXXX via certified letter that needed repairing. I have a copy of this letter ( that shows the detailed list of repairs ) and a copy of the returned certified receipt that shows they signed and acknowledged my request for them to make repairs on the home. I also have copies of the move-out sheet the debtor sent to the credit bureau as proof of a debt, This move-out sheet is not signed or validated and lists the items that I informed XXXX XXXX of via certified letter notifying them that they were responsible for them. After I vacated the home, the repairs had not been completed by XXXX XXXX XXXX and now the company is charging me for repairs that existed before I took residence of the home.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-03

Miami, FL

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-07-30

Stilesville, IN

Communication tactics

Debt collection: Other (i.e. phone, health club, etc.)

Frequent or repeated calls
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-07-26

Kenneth City, FL

Improper contact or sharing of info

Debt collection: Other (i.e. phone, health club, etc.)

Talked to a third party about my debt
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-07-23

Penn Yan, NY

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt was paid
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-07-18

Sylvester, GA

Improper contact or sharing of info

Debt collection: Other (i.e. phone, health club, etc.)

Talked to a third party about my debt
Complaint: I asked for verification of my debt via telephone, and they mailed me verification. They sent me the lease of someone named XXXX XXXX. This is not my lease, and they 've shared this person 's information with me. It 's sickening to think that my information could so easily be shared with others, too.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-07-16

Ridley Park, PA

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Complaint: I requested for validation within XXXX days or to cease communications and this was not honored. ( XXXX/XXXX/15 ) I received another letter from the collection agency ( XXXX/XXXX/15 ) which is a violation of the FDCPA as validation was not provided. I sent another letter on XXXX/XXXX/15 requesting for validation again and granted another XXXX days. Validation was NOT provided to me and I am requesting that all communications be ceased, and that this account be removed from my trade line. Given the FDCPA violations described above, I am seeking damages for each offense up to {$5000.00}. Your response is greatly appreciated as soon as possible, XXXX XXXX
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-07-14

Bedford, TX

Communication tactics

Debt collection: Other (i.e. phone, health club, etc.)

Frequent or repeated calls
Complaint: This company calls XXXX times a day, leave messages to return the call, I spoke with a rep XXXX XXXX, 2015 advised her of the calls, also in violation fdcp laws and guidelines, gave her my attorney name and contact number as we 'll. after I hung up with her XXXX was the name of the rep, she called or the company left another XXXX messages. This is harassment I do n't understand. This company calls and leaves messages XXXX to XXXX times a day I have proof as we 'll
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-07-09

Ernul, NC

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-07-06

Covington, GA

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-07-01

Laurel, MD

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-06-30

Lynn, MA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: After multiple attempts, this company will not show proof of this debt that suddenly appeared on my credit report. They are saying it 's for a lease, but I never signed this lease, nor did I live where it 's saying. I 've been in California. It 's not fair that I 'm being held captive for something that does not belong to me.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-06-30

Chicago, IL

False statements or representation

Debt collection: Other (i.e. phone, health club, etc.)

Attempted to collect wrong amount
Complaint: XXXX ( XXXX ) LP is attempting to collect {$320.00} from me when the actual amount should be {$0.00}. I received a letter from a Collection Agency, Fair Collections & Outsourcing on behalf of XXXX in regards to not placing trash in the appropriate space upon moving. This is not true. The XXXX is located in XXXX XXXX, IL. They are Town-houses. The representative initially told us upon moving into the our town-home that it is mandatory to purchase a garbage bin, or large garbage can for our approx. XXXX ft. back porch and that our garbage is to be maintained and held on our adjacent back porch because the garbage men will pick it from there once a week. We were told never to place any of our garbage anywhere else because there was no where else to put the garbage due to the fact that there is no alley or specific designated place to put the resident 's garbage. And if found out that we were placing our garbage any where else outside of our own back porch we would be penalized with a violation fee. So, I called XXXX after receiving the XXXX letter from XXXX office and spoke with XXXX of the representatives and asked her about the young couple who had moved out a few days before us. " Why was it alright for them to leave garbage on their back porch? The left behind materials and garbage they left behind stayed for a few days after leaving the residents and I witnessed the XXXX work men removing the recent couple 's garbage who just left. Why was it alright for them to do this and you 're trying to collect money from me for following your instruction upon moving in? '' The XXXX responded with, " Well that was my cousin. I told them I would take care of it. '' What? Where is the fairness in this nepotism. She never told me where we were to have placed the things we was not taking with us so all we knew to do was clean up the interior of the place and neatly as possible construct garbage in the rightful place of which we had been told to do. I believe the reason why XXXX is doing this is because we had to leave XXXX month early due to lost jobs and could n't afford to live there any longer. As soon as we had figured this out I immediately wrote XXXX a letter and walked it over to the XXXX residential office. The letter stated that we are sorry to inform them that we will have to leave due to the fact that I had lost my job and after the following month would simply not be able to afford the monthly {$1000.00} and they were going up on the rent with new lease. We just were not going to be able to keep up with the rent so instead of trying to struggle with making monthly rental payments and utilities we came forth with hopes that they would have some compassion seeing how we never gave them any trouble and paid rent on time every month. We also gave them notice in the letter that we would look for another renter, and that it would be alright to start showing the apartment for new tenants. They never sent anyone to view the apartment, and they never placed the apartment as open to new tenants. This is part of Illinois XXXX XXXX XXXX rights process, that if you have to move out early you must find another tenant and the landlord is obligated to seek another tenant as well during this time. But, I may be digressing. The point here is that I do n't owe XXXX any monies for removal of trash because I placed and left the no longer needed things where I was told to by their XXXX representatives. Unless someone else came and went through our garbage we left it where we were told to leave it.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-06-26

MD

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Complaint: i was sent a letter from fair collecting outsorcing in an amount was outrageous I asked for an accounting of the amount owned to see how it could be that much. I was told to be patient to wait a few weeks that they would get it for me. I then contacted my lawyer who sent a letter to the credit reporting agancy to dispute the debt. The last inquire I sent to XXXX was that they did not have the accounting history available it has been over XXXX days since the inquiry with XXXX and XXXX by law XXXX days it is to be taken off my credit report.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-06-22

NV

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt resulted from identity theft
Complaint: I received a notice of debt from the Fair Collections & Outsourcing of XXXX XXXX in XX/XX/XXXX by a phone call, which I clearly stated that was n't mine and was a result of identity theft. I demanded all pertinent documents used by the thief and they took over XXXX to provide. The thief used my maiden name and an unknown XXXX drivers license number to rent an apartment. In the application, the thief provided signatures that do not match to each other, and you can tell that the creditor did not do their due diligence to verify their identity as they failed in a few obvious areas : verify their previous residence and workplace, check their signature, and verify validity of their drivers license. After I sent in the affidavit and proof of my identity that included our lease agreement at our current address, utility bill, my husband 's XXXX military XXXX to XXXX XXXX XXXX, and copy of my paystubs, they proceeded with reporting this debt to the credit bureau XXXX days later. I will be sending another letter tomorrow ( enclosed with this complaint ) to demand that they stop all collection proceedings against me as I have provided everything they need.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-06-20

NY

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Complaint: i co signed for a friend on a lease about 4 years ago she had to sign XXXX leases since then that i did not co sign. all of a sudden i get a call that i owe money for what her judgement was because she broke the lease. they sent me a letter stating that i had 30 days to dispute and the would send supporting documents i sent them a letter and faxed them my dispute. they then began calling me XXXX a day for a period of time. they said that if i did n't pay they would put it on my credit report i asked them a number of time if they were going to send me the documentation they told me they had not received it i got a hold of the person who holds the lease and she called them and tried to set up payments but they refused to accept them now i have this on my credit report and i do n't think it was put on there properly are n't they supposed to give me documentation that the dept is mine
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response