FAIR COLLECTIONS OUTSOURCING, INC.

2018-10-04

Calipatria, CA

Written notification about debt

Debt collection: Other debt

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

2018-10-02

Seneca, SC

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. It is now XX/XX/XXXX. I sent the XXXX XXXX XXXX XXXX and all 3 credit bureaus a copy of my police report, ID Theft Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-02

Miami, 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

2018-09-28

Austin, TX

Written notification about debt

Debt collection: Other debt

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

2018-09-27

Heath, TX

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

2018-09-27

Brooklyn, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I was sent to the collection company Fair Collections and Outsourcing for an apartment residence I lived in 3 years ago. I was charged a 2 month penalty fee for leaving a lease early. I paid a debt of {$2900.00} to XXXX XXXX XXXX in the form of a cashiers check that was express delivered with signature required by the USPS on Monday XX/XX/2018. The supportive documentation will show a conversation by myself and the VP of Property Management where they state they will " gladly write me a letter '' to say the balance is paid in full. This shows on my credit report as having this debt and it has prevented me from obtaining an apartment in XXXX where I reside. I am in need of an apartment immediately and I have been told by numerous rental companies that I can not rent without this being resolved. I took the necessary steps to correct this issue but I have not received the letter after several voicemails and emails were placed to XXXX XXXX. I feel this is not fair to punish me for something I have remedied. I can not make this company write me a letter and my only other option is to contact the credit bureau to show proof I have paid this. Please help me to clear this up as it is negatively affecting my current living situation, future, and credibility. Also this credit company FCO calls me approximately twice a day every single day of the week. When will all of this stop? The consequences of this have become detrimental to my life currently. I need something to be done.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-09-21

Finksburg, MD

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: I contacted this company on today 's date in reference to this unfamiliar debt. I told then I was a Victim of Identity Theft and I filed an Identity Theft Report with The Federal Trade Commission as well. They refused to validate the debt and tell ne what the Debt was for. I've also attached a Copy of The Identity Theft Report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-09-20

Park City, IL

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

2018-09-20

Ft Lauderdale, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: As previous dispute under complaint number XXXX XXXX on XX/XX/2018 has left me in total disbelief that a company that I have had no business with is claiming that I owe a balance of nearly {$6900.00}. Fair Collections & Outsourcing sent a package to me which they stated was the full validation that I owe this balance. This contract had no mention of their client XXXX XXXX and nowhere in it does it state that I have any obligation to them.They failed to provied me with any contract or signed agreement which enters this company and I into business that nor places me in ownership of this debt. Yes, Fair Collections & Outsourcing as you have stated in your response, I have made multiple identical requests in past for validation of this account and because you have failed to provide me with this validation I am now demanding it from your clients XXXX XXXX. Your Reasonable Investigation Notice states that you sent me verification on the XX/XX/XXXX and you stated that you found the account to be reported correctly and that you will continue to report it. You further state that the report date was XX/XX/XXXX which is correct. I also see it reported on my credit file accessed XX/XX/2018 thank you for your one truth but that does not impend me exercising my rights to all docmentation ; contracts or agreement that states that XXXX XXXX and I, XXXX XXXX XXXX have or have had a contract bound by law which makes me responsible for any debt presumed owed to XXXX XXXX. It is my right pursuant to the FDCPA to question the validity of this information you have yet to produce. I make this my last attempt to acquire validation and if it is not recieved I will take steps to file a small claims suit against XXXX XXXX AND FAIR COLLECTIONS & OUTSOURCING for damages due to willful non compliance and damages per violation. This entire matter has caused me stress and emotional distress which is reflecting on my health and I would gladen the opportunity to file a default of debt validation against this company who have failed to verify this debt. I have yet to see any documentation ; contracts or agreement between myself and 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

2018-09-18

Atlanta, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: This company is harassing me, they put a wrong debt on my credit history. Compliance Department Fair Collections & Outsourcing , Inc . XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX I paid everything and I moved out, I fullfilled the obligations in a contract. They are trying to collect something that I dont owe!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-09-18

City Of Sunrise, FL

False statements or representation

Debt collection: Other 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

2018-09-17

Reno, TX

Incorrect information on your report

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

Information belongs to someone else
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-09-17

Garrett Park, MD

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: I have sent Fair Collections & Outsourcing a Debt Validation letter three times asking them for proof that I owe them any money. I have ask them to provide me proof that I signed any letter or invoice stating that I would pay them for any service. They have failed to provide me with any proof. I have asked them to stop reporting this alleged debt to the three ( 3 ) major credit reporting bureau 's ( XXXX XXXX, XXXX and XXXX ) until they provide me with the proof I have requested, they have failed to stop reporting this alleged 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

2018-09-13

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

Timely Response

2018-09-04

Las Vegas, NV

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

2018-09-04

PA

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Complaint: I looked at my credit report and found out there was an account opened I had an issue about because the amount owed is incorrect. So i called the company holding the account and explained to them the amount listed on my credit report is double of what it should be because theres 2 names in court records attached to the bill owed so my responsibility for the bill is only 50 % which they admitted they knew that there was another party involved in this account and on the other persons credit report the same amount is also owed which is actually the debt collector attempting to collect double the balance owed on the entire debt. Then they proceeded to tell me they would give me a 50 % discount on paying my bill off not sure how there math works but here is how my math breaks down. balance owed in total : {$1000.00} my responsibility according to court records 50 % : {$510.00} inclueded 50 % discount to pay off the bill to the creditor {$510.00} The reason why its wrong is because there are 2 names attached to the same account 2 different credit reports showing the same exact amount owed in total amount be {$2000.00} when the actual amount is only {$1000.00}. Now what happens when i go to pay the bill because were not married say I pay the bill entirely at {$1000.00} which is the full amount owed the other party doesn't know I payed and its still on there report they pay the bill owed also the reporting company gets double owed amount because when reported on each parties credit report its the entire bill owed not the 50 % responsibility that each party has. How is this considered correct because if my responsibility is 50 % owed then my credit report should show {$510.00} and the other party should show the same and if the reporting agency was going to give me 50 % off then my bill should had been {$250.00} not {$510.00} id like to know how an entire bill is attached to both parties and being said this amount is owed by both parties when both parties are actually only responsible for 50 % of the bill and both credit reports show full amounts thats incorrect information 2 parties 2 bills not 2 parties the same bill twice it makes no sense.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-31

San Antonio, TX

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

Timely Response

2018-08-28

NJ

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: the same woman repeatedly calls about 3-4 times each week. she also calls my mother the same amount of times. she over talks me. she is very rude and threatening she works for a company called 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

2018-08-27

Astoria, NY

Threatened to contact someone or share information improperly

Debt collection: Other debt

Talked to a third-party about your debt
Complaint: I couldn't find the appropriate category for this but this was the closest one since I believe credit reporting agencies are considered third parties. I phoned Fair Collections & Outsourcing on XX/XX/2017 to inquire about a collection account on my XXXX credit report. A couple of hours later, I received an alert that they had run an inquiry for an installment loan which I did not authorize.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-25

Laguna Beach, CA

Incorrect information on your report

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

Information belongs to someone else
Complaint: XXXX XXXX is the person who had a lease an apartment in XXXX, Ca in XX/XX/2013 for his business. Im not the person who in charge with the payment but I was only the employee that I came over off and on Then I sign the contract because they told me you are over XXXX yrs. Also I didnt know until Couple months ago when I received the news from XXXX and XXXX Please remove my name from the credit history ASAP.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-24

San Jacinto, CA

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
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

Timely Response

2018-08-23

Saint Charles, MD

Written notification about debt

Debt collection: Other debt

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

2018-08-22

Etiwanda, 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

2018-08-22

Encino, CA

Problem with a credit reporting company's investigation into an existing problem

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

Investigation took more than 30 days
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-19

Tustin, CA

Attempts to collect debt not owed

Debt collection: I do not know

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