FAIR COLLECTIONS OUTSOURCING, INC.
Consumer Complaints
There are over 1102 complaints on file for FAIR COLLECTIONS OUTSOURCING, INC.. Dated between 2019-11-27 and 2013-07-10.
Complaints Page 7
2018-12-19
Vista Verde, PR
Attempts to collect debt not owed
Debt collection: Mortgage debt
Debt was result of identity theft
Complaint: The Company FCO submit in my credit an amount of {$7700.00}, I called and they said that I took a Rental House in XXXX XXXX at XXXX XXXX in NJ, But I never live in U.S and I can prove that Im a XXXX XXXX and they do a complete background on my identity, I also received many letters from other Collector like XXXX, XXXX, etc for utility bill that I dont know.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-12-19
Miami, FL
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Complaint: XXXX has been non-compliant with removing the unverified account FAIR COLLECTIONS & OUTSOURCING Date opened XX/XX/2013 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that FAIR COLLECTIONS & OUTSOURCING was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-12-17
Magnolia, TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Complaint: Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-12-16
Atlanta, GA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: FAIR COLLECTIONS AND OUT Last reported : XX/XX/2018 + {$5500.00} XXXX XXXX XXXX Last reported : XX/XX/2018 - {$1500.00} XXXX XXXX XXXX Last reported : XX/XX/2018 + {$360.00} This account need to be taken off my credit didnt authorize this Im a victim of identity thief so please have it removed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-12-12
Apex, NC
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
2018-12-11
Chicago Heights, IL
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
2018-12-08
AR
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: The account is from Fair Collections & Outsourcing. Account number is XXXX. The debt is from XX/XX/2014. Collection amount is {$1900.00} I have disputed this account several times and spoken to several people about the matter. It comes back that it can not be taken off of my credit every time. There are several supposed damages to this apartment building that I had nothing to do with. The charges on the report are excessive. I have asked for any type of evidence to prove that I did any of this and was told I would recieve photos only to find out that was a lie. The lady that was my landlord at the time ( XXXX XXXX ) did not like me and was very mean. I have called the apartment complex ( XXXX XXXX XXXX, AR ) and the new office lady told me she has had several calls about the previous management. They offered to settle with me for {$1000.00}, ( which I said I would not pay because I did no damage to the building ) then after I disputed the account they went back to the original debt. I have tried everything. I tried to go back to the apartment to clean it while I had 2 days left on the lease and she took my keys and kicked me off the property and lied about everything. I am a very responsible person and would never damage someone elses property. I would like this issue to be looked into further. As I have no evidence, only my word. Thank you. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-12-07
Clermont, FL
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: I have requested validation of the account that has been attempted to collect debt on from this collection agency and I have not received anything back by postal mail. It has been more than 45 days since the original request was sent. Despite my previous 2 written requests, the unverified item listed still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request on multiple occasions to send me copies of the documents that you used to verify the disputed accounts is evidence that you cant and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you cant verify nor validate after multiple requests via USPS mail and Email is also evidence of your willful disregard of Federal Law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-12-05
Wesley Chapel, FL
Written notification about debt
Debt collection: I do not know
Notification didn't disclose it was an attempt to collect a debt
Complaint: This company placed a collection on my credit report for a debt that is not mine nor did I have any knowledge about. I have NEVER received anything in writing or calls from XXXX XXXX. I have NEVER received anything in writing from Fair Collections and out however I have been receiving phone calls at all hours ( before XXXX XXXX and after XXXX XXXX at night ) from this company. FCO failed to identify as a debt collector when leaving voicemails on my telephone and uses strong arm tactics in order to try to collect a debt I don't owe.
FAIR COLLECTIONS & OUT XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX REG : XXXX XXXX Account : XXXX ; Dated : XX/XX/2018 ; Amount : {$7500.00} I was released from a lease with Invitation Homes back in XX/XX/2018 due to having a XXXX XXXX Injunction against the main leaseholder. I gave notice in XXXX, XXXX and XXXX to XXXX XXXX and they kept my security deposit as well. I was told I was released from the lease, court eviction and obligations with the home since it endangered my daughter and I.
I even sent a video to XXXX XXXX in XXXX when I moved my things out displaying the damage the primary leaseholder did to walls, doors that was not my responsibility.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-12-04
Desoto, TX
Communication tactics
Debt collection: Other debt
You told them to stop contacting you, but they keep trying
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-12-04
AR
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: Fair collections & outsourcing is reporting to XXXX as a collection which is not, it is a paid to delete account which should be removed which was removed for the other two credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-12-02
Scottsdale, AZ
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Reporting company used your report improperly
Complaint: I do not recall pulling my credit this year. Please remove
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-11-30
Magnolia, TX
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Complaint: I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Fair collections & Out. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-11-30
Magnolia, TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Complaint: I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against FCO. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-11-28
Cingular Wireless, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: This account is showing inaccurate terms of 1 month. I demand proof of have any 1 month agreement with this company. The FCRA states that all information must be 100 % if its reported to the CRA and this case there's NO proof nor verification that I myself and this company made a 1 month agreement. Please send PROOF/Verification of this being 100 % accurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-11-28
Fertility, PA
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
2018-11-26
Plattville, IL
Attempts to collect debt not owed
Debt collection: I do not know
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
2018-11-26
Sherman Oaks, CA
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report
Reporting company used your report improperly
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-11-26
Maynard, MA
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Complaint: XXXX has been non-compliant with removing the unverified account FAIR COLLECTIONS & OUTSOURCING which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that FAIR COLLECTIONS & OUTSOURCING was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-11-20
CA
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: FAIR COLLECTIONS & OUTSOURCING XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX i want this collection off my credit it does not belong to me i dont owe fair collections any money, i want to see a contract, you cant provide a contract i want this deleted off all 3 credit reports if not i will sue XXXX XXXX and XXXX and fair collections this is a easy win. be smart delete it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-11-14
Atlanta, GA
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Complaint: XXXX has been non-compliant with removing the unverified account FAIR COLLECTIONS & OUTSOURCING which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that FAIR COLLECTIONS & OUTSOURCING was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-11-14
Brooklyn, NY
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Complaint: Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Account Name : FAIR COLLECTIONS & O Account Number : XXXX Date : XX/XX/2016 Amount : {$5500.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-11-14
Brooklyn, NY
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Complaint: Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Account Name : FAIR COLLECTIONS & O Account Number : XXXX Date : XX/XX/2015 Amount : {$9500.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-11-13
Cingular Wireless, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information is missing that should be on the report
Complaint: To Whom it concerns, PLEASE IMMEDIATELY REMOVE, as required : Fair Collections & Out XXXX or else wise MODIFY its reporting as mandated and certify its COMPLIANCE in a physically verifiable document form ensuring to me VALIDITY of claim and processing of reporting activities. I AM within my consumer RIGHTS to request this and even DEMAND your claims silenced else wise.
I DEMAND that you IMMEDIATELY EXTINGUISH your injurious and unethical illegal claims versus me as it is in clarity nothing greater than immoral subterfuge and overwhelmingly deceptive, each being clear and vile infractions of mandatory responsible and reasonable lawful reporting of claims. In the least of issues is that your item of delinquent and/or derogatory claim, as currently displayed on my credit reports, is significantly deficient of substantiated facts of validity, documentation of that validity, compliance of reporting HOW REPORTED, certification of that compliant reporting, To date I have not been offered nor delivered any suggestion of absoluteness and legitimacy to your claims, despite my lawful requests for your demonstration and documentation in evidence of your testament of facts as related to the exact true correct and complete physically verifiable proof of validation of item itself much less the presentation of the mandatory perfect and complete certification of compliance of reporting even to the mandatory metro 2 format. Being that as the truth of the matter and in consideration of your lawful requirements to REPORT, combined with my reasonable concerns in direct or indirect response to many recent consumer information breaches such as with XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, the Veteran 's Administration Records Division, and OTHERS I have no confidence in your statements of claims AS THUS FAR PRESENTED, although I can not here and now yet state a claim of denial of responsibility. I simply am exercising my consumer rights to QUESTION any concern-able misinformation and demand document proof as to the validity of claims of debts owed and FURTHERMORE DEMAND EVIDENCE detailing the CERTIFIED nature of the TRUE CORRECT and COMPLETELY COMPLIANT REPORTING of the alleged validated data, even to the full mandatory standards of the METRO 2 FORMAT. Unless else wise proven, it can only be logically and LEGALLY assumed that the claims/Item, as reported, is not proven fully physically verifiable and valid as related to its truth, accuracy, completeness, and timeliness therefore being ILLEGALLY assigned to reporting! Further there is no document evidence of mandatory certified Metro2 compliance, a minimal condition of REPORTING regardless if item is true or not. You are of no legal option but to lawfully and permanently rectify your now current not compliant reporting by immediate removal of any and all derogatory claims and or modification to a perfect and COMPLIANTLY REPORTED status. Your hesitation will be assumed your willful derelict of responsible regulatory reporting and infraction-ous injuriously deceptive reporting, regardless if true or not. COMPLIANCE of reporting is MANDATORY criterion to report, NOT OPTIONAL. I do NOT authorize you nor any agent to misreport versus me in an unregulated and unlawfully not perfect correct complete and certified COMPLIANT manner, even to the mandatory METRO 2 FORMAT REPORTING standards. You have 15 days to submit your requisite corrections and or removals!
In GENUINE SINCERITY I CLOSE,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-11-05
Cheverly, MD
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Complaint: Original Complaint - " The Original Creditor ( XXXX XXXX ) closed the account of {$1700.00}. An unauthorized account was opened by FAIR COLLECTIONS AND OUTSOURCING INCORPORATED on XX/XX/XXXX.Nothing is due to FAIR COLLECTIONS AND OUTSOURCING INCORPORATED because I never agreed to a contract with them. '' On XX/XX/XXXX, FAIR COLLECTIONS AND OUTSOURCING INCORPORATED was contacted in regards to an account opened which includes XXXX XXXX XXXX. That was the first contact to FAIR COLLECTIONS AND OUTSOURCING INCORPORATED with a remedy, of closing the account and contacting the credit bureaus, that FAIR COLLECTIONS AND OUTSOURCING INCORPORATED works with to have that account removed from XXXX XXXX XXXX credit report.
FAIR COLLECTIONS AND OUTSOURCING INCORPORATED responded to XXXX XXXX XXXX complaint on XX/XX/XXXX, " The account was assigned to our office on XX/XX/XXXX from creditor XXXX XXXX / XXXX XXXX XXXX & XXXX. Creditor maintains ownership of the account. Our office is a third party retained by the creditor to attempt to collect on their account. The debt is owed to the creditor. '' This is my second contact to FAIR COLLECTIONS AND OUTSOURCING INCORPORATED in an attempt to give FAIR COLLECTIONS AND OUTSOURCING INCORPORATED a chance to remedy this problem. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX XXXX XXXX then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( FCRA ) * Violation of the FDCPA * Defamation of character As indicated above, FAIR COLLECTIONS AND OUTSOURCING INCORPORATED is a " third-party '' that collects on behalf of their client, XXXX XXXX / XXXX XXXX XXXX & XXXX ; thus, XXXX XXXX XXXX ' contract would not be with FAIR COLLECTIONS AND OUTSOURCING INCORPORATED, but with XXXX XXXX / XXXX XXXX XXXX & XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation