FAIR COLLECTIONS & OUTSOURCING, INC. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
10/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AE XXXXX	Web	Servicemember
I recently submitted several online disputes with the credit bureaus for an account Fair Collections and Outsourcing that is reporting and retaining inaccurate and/or inconsistent information on my credit profile. I have undergone multiple investigations with the bureaus on this account and the resolve is the same : the information I challenge is just updated by the furnisher. I contacted XXXX and XXXX XXXX departments on XX/XX/XXXX, after receiving my latest XXXX dispute results on the account and was told, the CREDITOR is the one that updates the information to us that is contained in your file. Despite me stressing to the representative of the accounts erratic and paradoxical reporting, the XXXX representative sternly stated, this account and any information contained can not be deleted and must remain for 7 years. To my knowledge, it is federally unlawful a creditor to furnish/update any information on ones credit profile without doing a proper investigation. Regulation V of the FCRA upholds creditors to implement proper policies and procedures regarding the accuracy AND integrity of the information furnished to CRAs, specifically as it relates to the handling on indirect disputes, in which my previous complaints are. The results of my most recent dispute proves that Fair Collections and Outsourcing continues to unlawfully furnish inaccurate and treacherous information that they provide to CRAs, and I have deemed it irreconcilable at that level. From my reading and understanding of FCRA stipulations, I gather that creditors are able to decide which credit bureaus they report to. Likewise, FCRA also outlines that when a creditor is reporting to more than one bureau, the information reported must be the same and true across all CRAs. I understand that the reporting compliance is not the responsibility of the credit bureau however IT IS the bureaus responsibility to immediately investigate any disputes presented. I am unsure if my previous investigations were expedited and/or automated, but it is evident that Fair Collections and Outsourcing has FAILED to uphold this duty and properly verify the information. I have submitted two disputes regarding Fair Collections and Outsourcing with each bureau since my initial despite on XX/XX/XXXX. The disputes have been closing at an exceptionally expedited turnaround which signals to me that the information in my dispute is not being handled properly. It is impossible for Fair Collections and Outsourcing to have conducted any reasonable investigations of my indirect disputes. Initial Dispute on XX/XX/XXXX : On XX/XX/XXXX, I filed an account dispute on the basis of balance inaccuracies and account status. The payment statuses were not consistent as there was a mix of PAID and UNPAID statuses. There was also untruthful balance reporting across the CRAs. I noted this concern to XXXX, XXXX, and XXXX. On XX/XX/XXXX, I received a notification from XXXX XXXX that stated Great! A Collection was closed. Between XX/XX/XXXX, and XX/XX/XXXX, your FAIR COLLECTIONS & O collections account was reported as closed. Misreporting Findings on Sunday XX/XX/XXXX ( XXXX XXXX ) : I checked my credit report on various sites throughout the day. At XXXX AM when I checked my report via XXXX XXXX it stated I had XXXX collections/public records and that this rating was based on [ my ] credit report information from XXXX on XX/XX/XXXX. At XXXX AM, I checked XXXX which reflected the Reported and Closed dates as XX/XX/XXXX. There were no comment remarks on my file at the time. I was still actively on XXXX XXXX and saw that XXXX information updated at XXXX AM. The following changes were made to my account : Last Reported XX/XX/XXXX ; Account Status Open ; Opened Date XX/XX/XXXX ; Closed Date XX/XX/XXXX ; Date of Last Payment XX/XX/XXXX ; Balance - {$4300.00} ; and High Balance - {$6000.00}. This information from XXXX was COMPLETELY INACCURATE! I would like to mention there was NO TERM mentioned by Fair Collection and Outsourcing at this time. On XX/XX/XXXX, I received a notification from XXXX XXXX that stated XXXX! A XXXX was closed. Between XX/XX/XXXX, and XX/XX/XXXX, your FAIR COLLECTIONS & O collections account was reported as closed as a change on my XXXX report. The discrepancy in the Date Closed is due to XXXX purposefully reporting incorrect information. Genuinely confused by XXXX XXXX ( which only shows XXXX and XXXX ), I checked my XXXX app. My Experian Credit Report reflected the following as of XX/XX/XXXX, at XXXX AM : Account Type Collection ; Status Updated XX/XX/XXXX ; Balance Updated XX/XX/XXXX ; Terms 1 Month. The status on the account at this time was read, XXXX, was a collection account, insurance claim or government claim or was terminated by default. A comment was also placed which read, Account information disputed by consumer. This comment acknowledges my initial dispute regarding the balance and therefore the balance was removed from my XXXX report. Changes in Reporting on XX/XX/XXXX : When I pulled my credit report on XX/XX/XXXX, I noticed that the information on my files with XXXX and XXXX was updated with the following remarks : Account information disputed by consumer, meets FCRA requirements and Customer disputed account reported by subscriber. The date reported on XXXX and XXXX for this account is XX/XX/XXXX, with the DOLA of XX/XX/XXXX. At this point, the account files for XXXX and XXXX showed a {$0.00} balance and the status of PAID. There were no remarks and/or reporting made to XXXX on XX/XX/XXXX. I noticed a significant misreporting ( inaccuracy ) for the XXXX on Experians file. It states the XXXX as XX/XX/XXXX, with a balance status of PAID. This account had a remaining balance of over {$3000.00} on XX/XX/XXXX. Please see the attached document receipts from XXXX which are consistent with my complaint that the files XXXX for this report and ANY last payments is wrong. Dispute Reinvestigation : When I pulled a report for XXXX on XX/XX/XXXX, the status update reflected XX/XX/XXXX with a Balance Updated date of XX/XX/XXXX, which opposes the XX/XX/XXXX, balance update from the previous pull. I checked XXXX via XXXX XXXX on XX/XX/XXXX, and it showed that the subsequent dispute on the account ( which was submitted XX/XX/XXXX, to XXXX via fax ) was ready. This report reflected a closed date of XX/XX/XXXX. There is NO WAY that XXXX processed my dispute and conducted a thorough reinvestigation in less than XXXX DAYS! I looked at a list of creditors that have reported to or inquired about my credit report and XXXX is listed TWICE! There was only ever ONE account reported with them as the creditor on my file which makes me believe they might have removed and re-added their account to my profile as a recent account update reflects a payment history for XX/XX/XXXX. Such notation is also the ONLY notation listed in the payment history and therefore looks to be used as a tactic to reset the DOLA and prolong my statute of limitations. FCO SHOULD NOT BE ABLE TO DO THIS! Prior to today, I do not recall there never being a payment history in any of the months the account was listed on my account. I believe with me challenging their results, FCO is now unlawfully retaliating as they CONTINUE to violate my consumer financial protection rights. I have included screenshots of the inconsistencies, bearing proof that the account information was in fact inaccurate AND inconsistent at the time of my initial dispute AND thereafter, therefore this account should not have been retained and shall not remain on my credit profile given these factual discrepancies. Furthermore, the constant changes and failure to report truthfully and accurately across ALL CRAs whom they are reporting to leads me to believe these are intentional violations of my consumer protection laws. I sought to have the subject account deleted from my credit report after realizing FCOs failure to accurately list this item. I noticed in the reinvestigation that the account was instead updated and not deleted as requested. Such misreporting has severely hindered not only my chance of acquiring new tradelines but has resulted in me being denied on several apartment rental applications. This discrepancy and their failure to properly verify and remove the account from my credit report due to proven misreporting is immensely impacting my livelihood and ability to secure housing for myself. I would like to avoid falling into another personal tragedy and/or financial hardship. On Sunday XX/XX/XXXX, I received an email from XXXX a third party screening company used by an apartment company I applied for named XXXX XXXX XXXX. The email stated that I needed to resolve the balance of {$6000.00} with The XXXX, the original creditor in whom FCO supposedly collected for. I find it a bit bizarre that FCO collected money on the original creditors behalf for MONTHS with no mention to them that payments were being made towards the balance. I spoke to The XXXX on XX/XX/XXXX, after receiving the email from XXXX. She verified the information from the email : my account had a balance of {$6000.00} due and that I would need to contact FCO to make the payments as the account was in collections. I would like to note that when the account went into collections, I received NO correspondence from FCO regarding an account. It wasnt until I checked my credit report on a whim that I noticed this derogatory item. Not only am I being hindered behind FCOs failure to be transparent in their reporting to the CRAs, but their failure to even communicate with the original creditor they are collecting for has resulted in my apartment application being DENIED! My application was declined for reasons based in whole or in part of the information obtained from the CRAs. I have spoken to previous leasing offices who have informed me that the denial was because of the unresolved outstanding balance within the collections section of my report. FCO is the ONLY account there! I had a chance to relook at the screenshots of my XX/XX/XXXX credit report for all three bureaus and noticed yet again inconsistencies with this accounts reporting. From my reading, for any account on a credit report, the Account Type MUST be the same across all three bureaus. Additionally, collection accounts SHOULD NOT have a payment history and the account should not report monthly. The Term for XXXX is inconsistent with the other bureaus ; there should not be any terms on a collection account as it is a dead account. The XXXX Updated date is also inconsistent with the other bureaus. All of this information should be the same across the bureaus and is not. Thus, it clear that the information being furnished is wrong/fraudulent! Despite the multiple investigations conducted on this account, the persistent un-synthesized and collected inconsistencies furnished have made it impossible to determine the accuracy and integrity of the information in FCOs reporting. I am moving in XXXX weeks and have not been able to secure adequate housing because of FCOs non-compliance reporting. After several attempts of trying to resolve the issue with FCO via the credit bureaus, I am frazzled beyond belief and have placed all faith into CFPBs hands! I beg the immediate removal of this account from my credit profile across ALL bureaus due to FCOs multiple violations. I also beg that FCO be held accountable for their failure to uphold their regulations as a furnisher! I have attached my identification card as well as my most recent bank statement for verification. PLEASE restore my hope and full faith that credit reporting agencies do in fact ensure maximum effort to protecting me from misleading and harmful information or entity on my credit profile.
01/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78641	Web	Servicemember
To Whom It May Concern : I am communicating with you directly as requested regarding concerns/ issues with my credit report. This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account. It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously! Regards XXXX XXXX Accounts Requiring Immediate Removal : Fair Collections and outsource with account # XXXX for the amount of {$1500.00} Unapproved Inquiries Please be aware the following inquiries are plaguing my report. I have communicated with the agencies whom I believe to be responsible for this violation. I have not received any correspondence for the following accounts below. Please remove these adverse inquiries immediately. XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a TYPE OF ISSUE Information belongs to someone else manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. ( h ) The term employment purposes when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for employment, promotion, reassignment or retention as an employee. ( i ) Medical Information. The term medical information ( 1 ) means information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to ( A ) the past, present, or future physical, mental, or behavioral health or condition of an individual ; ( B ) the provision of health care to an individual ; or ( C ) the payment for the provision of health care to an individual. [ 2 ] ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy. ( j ) Definitions Relating to Child Support Obligations. ( 1 ) Overdue support. The term overdue support has the meaning given to such term in section 666 ( e ) of title 42. ( 2 ) State or local child support enforcement agency. The term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations. ( k ) Adverse Action. ( 1 ) Actions included.The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the
02/15/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 93257	Web
Several days ago I called Fair Collections and Outsourcing because I recently received the contract, ledger, and moveout statement I requested from them in XXXX regarding XXXX XXXX XXXX. I did so because the amount in collections on my credit report seemed excessive and it didn't seem right to me. When I reviewed the documents given to me by XXXX XXXX my suspicions were correct. The amount owed is about {$1400.00} higher than it is supposed to be. The amount reported on my credit report and being collected by Fair Collections Outsourcing is {$1400.00} higher than would be legitimately owed because in XXXX XXXX XXXX own move out statement, XXXX XXXX is reversing the first month 's free rent and charging me for it. After reading the entire contract and all the documents provided to me by XXXX XXXX, I didn't see any section or clause where it said they could do so. After reviewing all the documents once again, I called Fair Collections Outsourcing to which I will refer to as FCO from this point on. At first the person who answered the call was a XXXX XXXX. In the conversation I informed her of the nature of my dispute and asked her to clarify to me or point out where specifically it says XXXX XXXX can take back their first month 's free rent and charge me for it. XXXX asked to put me on mute while she looked this up. During the time I was on mute, the call " dropped. '' Once my call to FCO was lost I decided to call back immediately. I then spoke to a XXXX XXXX. I let her know I was just on the phone and the call was dropped so I was calling back. She said I was speaking to XXXX XXXX and she was the manager. XXXX then asked to help me instead and then asked what she could help me with. I asked XXXX the same questions as to why I was being charged for the first month 's rent when it was free and where in XXXX XXXXXXXX XXXX paperwork did it state they could do that? She then told me to hold on and tried to hand me off to XXXX and put me on hold for some time. I was a bit annoyed at this point because if she wasn't going to help me out, then why would she ask me how she could help me out? Why didn't she just transfer me from the beginning especially knowing that I was already speaking with her manager? After some time, XXXX came back on the line and began asking me to clarify the nature of my dispute. I repeated what I had asked XXXX as well as XXXX earlier. I asked why XXXX XXXXXXXX is reversing the first month 's free rent and where in their paperwork does it say they can do that? This is where the call started going south and I began feeling compelled to file this complaint against them. At the point of my conversation with XXXX where she begun to come up with reasons as to why I was being charged for something I was given for free, her first response to me was " that's just how it is. '' Obviously, " thats just how it is is not a valid reason. I told her that was just an assumption. I needed something in writing that said they could do so and so far, I hadn't received one. XXXX then put me on hold while she reviewed the contract. When she came back on the line, she tried to quote the early moveout clause which was section 11. I read it back with her and told her that clause did not say they can take back the first month 's free rent. Section 11 is a standard clause in rental agreements, and to summarize what the clause is for, the clause is to recover any actual damages caused by an early termination such as the remainder of rent owed for the remaining months on the lease agreement as well as any cleaning or repair costs incurred by the property management. Since the first months rent was free, there is no damages for that month, and they can not arbitrarily decide to charge me for it. During the conversation with XXXX a lot of things transpired which have now caused me to file this complaint. At one point of the conversation, XXXX was telling me her opinion of how can you expect a free months rent without completing the lease agreement? She repeated that sentiment a few times to which I was forced to finally correct her and say I am not expecting A free months rent, I am expecting the FIRST months rent as was part of XXXX XXXX apartments marketing ploy to get customers to rent with them. At this point XXXX tried to change tactics and offered to settle with me for {$970.00} total. Truth be told, I let XXXX know I was happy with the offer and I was willing to agree to deal but I requested the account be deleted from my report because of the discrepancies of the amount owed and the highly disputed nature on the legality of the debt at this pointy. XXXX flat out said no. There would be no deletion. I let her know that I could not in good conscience pay the settlement without the deletion knowing full well this account was being misreported for four years and an illegal amount was being collected especially when I had the proof in my hands and in XXXX XXXX own statement. Somewhere along the line XXXX then acknowledged my dispute had merit so she changed tactics and said I get what your saying, but even if they take out the first months rent charge all that would happen is the collection would be reported to the appropriate amount and you would still be saving a lot of money by taking the {$970.00} settlement now. I apologize in advance for that last quote as I may be paraphrasing a bit. XXXX had to repeat it and correct herself a few times for that statement to come out clear and understandable. Still, I know enough to understand that if an account has been misreported for four years illegally, they cant simply choose to fix it at this point. My score has been artificially lowered and jeopardized for all these years and I have suffered the consequences of XXXX XXXX and FCOs willful negligence by being denied credit and opportunities on numerous occasions. My actual damages greatly exceed XXXX XXXX apartments at this point. After some more banter back and forth with XXXX she stated in the call she was going to note down I refused to pay. This is where I finally realized she wasnt even trying to help but was just playing typical collector. I let her know those notes would be a complete lie as I am willing to take the {$970.00} settlement she offered but would require a deletion because under the F.D.C.P.A. and the F.C.R.A. any debt being collected must be valid and this debt was not. Any account being reported on a credit report must be always accurate and this debt was not. She then started asking me if I was a collector and if I was in the business. The conversation went on for a bit more and I asked if I could speak to her compliance department. All she offered was to go back to XXXX XXXX and ask them about the nature of my dispute. She then said she didnt know when they would respond but that she would notify me once they did. As to you the C.F.P.B., I understand you are not my lawyers and can not act as such. But I would strongly suggest you look into FCOs business practices. I myself am not a lawyer and am far from a litigious person, but it is 2021 and I have enough of an education to be able to research consumer rights, tenant laws, and collection laws. In these phone calls I made to FCO, they broke several collection laws and comported themselves like the typical collectors of old who cared for nothing except to collect a debt regardless of what they had to do in order to collect. On numerous occasions they broke 807. False or misleading representations They did so by trying to collect a wrong amount. Their own move out statements show they are reversing my credit for the first months free rent without anything in writing saying they could do so. They also broke it when they said but even if they take out the first months rent charge all that would happen is the collection would be reported to the appropriate amount Its too late to try and correct four years of misreporting. They also broke 808. Unfair practices They did so by once again attempting to collect a wrong amount not authorized by the agreement. They also broke it by first trying to settle the debt with me instead of removing the erroneous and invalid debt from my credit report or taking my legitimate dispute back to their client from the beginning. Ultimately they showed their unclean hands and their willingness to circumvent the law if it benefits them. Because of this, I am no longer content to wait for FCO to get word back from their client. I am filing this complaint and I demand FCO removes this account from my credit report at once.
12/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21220	Web
Subject : Complaint Against XXXX ( Original Creditor : XXXX XXXX XXXX ) for Violation of Consumer Rights and FCRA Non-Compliance Dear Sir/Madam, I am writing to lodge a formal complaint against XXXX ( XXXX Creditor : XXXX XXXX XXXX ) concerning their handling of my credit account ( Account # : XXXX ). This complaint pertains to serious violations of my consumer rights and non-compliance with the Fair Credit Reporting Act ( FCRA ). Background of the Issue : Account and Reporting Details : The account in question was opened on XX/XX/XXXX, and is categorized as a collection account. Despite being paid, it has been reported with a status of " Collection/Chargeoff '' as of the last report on XX/XX/XXXX. Disputed Information : It has been noted in the account comments that the information was disputed by the consumer and meets FCRA requirements. However, the adverse reporting remains unresolved. Key Concerns : Violation of FCRA Standards : The FCRA mandates accurate and fair reporting of credit information. The reporting of this account as a collection/chargeoff post payment is inaccurate and misleading, negatively impacting my credit report and score. Failure to Update Personal Information : Notification of Address Change : I had proactively informed Original Creditor : XXXX XXXX XXXX of my change of address following a significant incident of mail theft. This notification was provided in a timely manner, with the expectation of ensuring the security and accuracy of communication related to my account. Neglect and Consequences : Despite this notification, XXXX XXXX : XXXX XXXX XXXX failed to update this critical personal information in their records. This neglect resulted in several adverse consequences : Misdirected Communications : Important account statements, notices, and potentially corrective actions were sent to an incorrect address. This not only deprived me of the opportunity to respond appropriately to account-related communications but also exposed me to increased risk of further identity theft and financial fraud. Uninformed Financial Decisions : Due to the lack of receipt of these communications, I was unable to make informed decisions regarding the handling of my account, leading to the escalation of the issue to a collection/chargeoff status, which was both unwarranted and preventable. Increased Vulnerability to Fraud : The continuation of sending sensitive financial information to an old address, particularly after reporting a mail theft incident, significantly heightened my vulnerability to further fraudulent activities. This represents a severe lapse in safeguarding customer information, a fundamental responsibility of financial institutions. Impact on Credit Report : The resultant misreporting as a collection/chargeoff in my credit report is a direct outcome of Original Creditor : XXXX XXXX XXXX XXXX failure to act on my updated information. This misreporting has unjustly damaged my credit standing, with long-term implications for my financial health. Adverse Impact on Credit Standing : The incorrect reporting of this account has unjustly affected my creditworthiness, leading to potential challenges in securing credit or favorable interest rates in the future. Legal Grounds for Complaint : FCRA Compliance : Under the FCRA, I am entitled to have accurate, fair, and fully substantiated information reported on my credit file. The persistence of inaccurate collection status contravenes these rights. Consumer Protection Violation : As a consumer, I am protected under various federal laws against unfair and inaccurate credit reporting practices. The actions of XXXX in this regard have been grossly negligent and harmful. Obligation to Provide Proof of Verification by Collection Agency : Mandated Verification Process : In compliance with the Fair Debt Collection Practices Act ( FDCPA ), specifically under Section 809 ( Validation of debts ) [ 15 USC 1692g ], a collection agency is required to provide consumers with a detailed verification of any debt they claim is owed. This verification process is especially crucial in cases like mine, where there is an original creditor involved, in this instance, XXXX XXXX XXXX Verification Requirement in This Case : Given that the account has been reported as a collection/chargeoff and flagged as verified by the collection agency, it is legally incumbent upon them to furnish substantial proof of this debt. This proof should include : Original Creditor Documentation : Detailed documentation or ledger indicating the original amount of debt, the account 's history, and transactions, as well as the transfer of the debt from the original creditor to the collection agency. Authority to Collect : Evidence that the collection agency is authorized to collect this debt on behalf of the original creditor. Account Accuracy Confirmation : Confirmation that the amount being collected accurately reflects the original debt and any applicable fees or charges. Lack of Adequate Verification : To date, I have not received satisfactory verification of this debt, which raises significant concerns about the validity and accuracy of the reported collection/chargeoff status on my credit report. This lack of transparency and adherence to the FDCPA standards is not only concerning but also potentially indicative of an unjust credit practice. Definition and Relevance of Identity Theft : According to the U.S. Department of Justice, identity theft involves the unauthorized use or misuse of another individual 's personal information for fraudulent purposes. In my case, the failure to update my personal information, specifically my address, despite being duly notified, has led to circumstances that parallel identity theft. Circumstances Mimicking Identity Theft : The misdirected communications and unauthorized actions on my account, due to the address not being updated, have resulted in my personal information being used in a manner that I did not authorize. This negligence has facilitated financial decisions and activities under my name without my consent, closely mirroring the essence of identity theft. Violation of Legal Standards : The mishandling of my personal information and the subsequent adverse effects on my account and credit report constitute a violation of my rights under various laws, including the Fair Credit Reporting Act ( FCRA ) and potentially the Identity Theft and Assumption Deterrence Act, enforced by the U.S. Department of Justice. These laws are designed to protect individuals from unauthorized use of their personal information and to ensure accurate and fair reporting of credit information. Breach of FCRA Requirements : Specifically, the FCRA mandates accurate and fair reporting of credit information and provides consumers with the right to have incorrect or incomplete information corrected. The actions leading to the adverse reporting on my credit report, stemming from the failure to update my address, are in direct violation of these requirements. Emotional and Psychological Impact : Personal Crisis Beyond Financial Harm : This situation has caused immense emotional and psychological distress. The realization that my personal information has been mishandled in a way that aligns with identity theft has led to significant anxiety and uncertainty, affecting my daily life and sense of security. Demand for Justice and Corrective Measures : Urgent Need for Action : I implore the responsible parties to rectify this situation immediately. This includes correcting the inaccurate information on my credit report and ensuring such a breach of personal information does not occur again. Call for Legal Compliance and Protection : I also urge the relevant authorities, including the Consumer Financial Protection Bureau, to investigate this matter in the context of identity theft and FCRA violations. It is imperative that my case be viewed through the lens of identity theft and treated with the seriousness it warrants
07/02/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75093	Web
On XX/XX/XXXX, I learned from a prospective landlord that my application was denied because a previous landlord, XXXX XXXX XXXX XXXX, a XXXX XXXX, had placed a debt of {$27000.00} on my credit report by contracting with a collection agency, Fair Collections and Outsourcing, Inc. I checked my credit report and saw that the landlord obscured its identity and detection by withholding its corporate name from the collection agency using only a portion of the name of the apartment complex, showing only The XXXX. The collection agency has never contacted me by mail or phone and has no record of my phone number in its database. Since I moved out of the apartment complex on XX/XX/XXXX, the landlord and the collection agency have collectively deprived me of my FCRA and FDCPA and other consumer collection rights to be informed of the debt, which further deprived me of the opportunity to dispute the debt, until now, after being denied housing because the landlord ruined my credit by entering into a fraudulent contract with the collection agency in furtherance of the landlord 's ongoing acts of retaliation against me. The landlord does not and could not have a valid judicial order to collect any amount from me, let alone an amount as high as {$27000.00}. By the way, this amount shocked the potential landlord, who said she's never seen anything so high from a previous landlord and knew something was wrong. The landlord could not have supplied the collection agency with a valid judicial order for this amount or any other amount, when she contracted with the collection agency to place this amount not owed on my credit report. I was never notified of a judicial process and had no opportunity to appear or to be heard in a court of law or to exercise my constitutional rights under the XXXX, XXXX, XXXX, and XXXX amendments. Should the collection agency attempt to provide what it believes to be a valid judicial record provided to them by the landlord, the collection agency should consider that the landlord obscured its corporate name from the record to trick it into entering into an unconscionable contract to collect a debt falsely created by the landlord, for the specific purpose of using the collection agency to carry out the landlord 's own acts of retaliation against me. If there is an attempt by the collection agency to show a judicial award of any amount, the record is VOID due to public corruption, and the collection agency should treat it as if it never existed, per the Law of Void Judgments, due to deprivation of my constitutional rights, as mentioned, as I was not notified of any such judicial process. It is evident, considering that the collection agency has placed an adverse account on my credit report that the landlord 's regional XXXX, XXXX XXXX, obscured this fact from the collection agency for the specific purpose of using a XXXX party XXXX to elicit her acts of retaliation against us by ruining my credit, knowing it will make me chronically homeless. The landlord 's regional XXXX is actively engaged in retaliating against me with the assistance of her attorney, XXXX XXXX XXXX and his firm 's senior partner, XXXX XXXX XXXX. This debt is retaliatory because the landlord lost, due to its own default, a DTPA violations lawsuit on XX/XX/XXXX, four weeks prior to XX/XX/XXXX. The lawsuit is a multimillion-dollar lawsuit, and the landlord 's regional XXXX has conspired with the presiding judicial officer and the county clerk, with the help of her attorney, to withhold issuing default judgments against XXXX defendants named in the lawsuit who also defaulted. The judge, the county clerk, and several officers of the court are subject to and soon to be sued in US District Court for conspiracy to obstruct justice and their collective acts of denying and depriving me of my constitutional, federal, state, and local rights, while acting under XXXX of law. As a result of this, I am impoverished and chronically homeless with no way out so long as this retaliatory debt remains on my credit report. The landlord 's regional XXXX is named as a defendant in the DTPA lawsuit, along with her attorney, also named as a defendant, and both are clearly actively engaged in violating my consumer protection rights and my rights under the FCRA, the FDCPA, and the TX Debt Collection Act, and other federal and state rights which protect me from suffering a retaliatory, false, and fraudulent adverse account being place on my credit report. In the regional XXXX 's and her attorney 's conspiratorial acts of retaliation against me for exercising a protected right or remedy for my filing of and winning, through their own default, the XXXX lawsuit on XX/XX/XXXX, her anger and hatred toward me are shown in this false and fraudulent adverse account report appearing on my credit report. Last week, I contacted the landlord 's attorney directly and spoke with him by phone at length in regard to his and his client 's ongoing conspiratorial acts of retaliation against me for filing and winning the DTPA lawsuit and demanded that he immediately advise his client and the collection agency to immediately CEASE and DESIST in making any further attempts to collect this retaliatory debt not owed, and further demanded that the debt be immediately removed from my credit report, so that I may obtain permanent housing. I copied a follow-up email dated that same day, to the senior law firm partner, who is the most recent former Texas XXXX XXXX , whose commission expired on XX/XX/XXXX, demanding that the retaliatory debt be removed from my credit report and to immediately CEASE and DESIST in further collection efforts by removing the adverse account from my credit report. As a result of this hidden retaliatory debt not owed, I have been homeless and living in hotels for XXXX weeks, a state of living considered to be chronic homelessness. As a further result of this retaliatory debt not owed appearing on my credit report under adverse accounts, I have no way out of homelessness and into permanent housing, unless or until my credit report is fully corrected and the adverse account showing this debt is permanently removed. This landlord 's regional XXXX and her attorney 's egregious retaliatory acts of fraud, fraudulent billing, false and fraudulent credit reporting and refusal to remove the debt from my credit report, is destroying my life and injuring me, by making me irrecoverably mentally, emotionally, and physically ill. This landlord and her attorney must, just like everyone else, follow federal, state, and local consumer protection and credit reporting, billing, and collection laws. Thereby they must IMMEDIATELY completely remove the adverse collection account from my credit report.
06/11/2021	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	DC 20032	Web	Servicemember
In XXXX of XXXX, I moved into an apartment that I was never given the opportunity to inspect or see before I received the keys. I have never even signed a lease with the property. I have a documented knee XXXX which after seeing where the apartment was located I contacted the former property owner and filed a complaint about the issues with the stairs and if I could be moved into an apartment on the lower level. Before any of this could take place the property was sold. In XX/XX/XXXX I went to court because I had entered my rent into escrow for a lot of deficiencies that my apartment had. In XXXX and XXXX of XXXX, there was an Inspector that came to my apartment and did a very poor job of performing an inspection, he didn't even inspect the issues I was complaining about. The inspector ran through my apartment and the rental office took their time fixing the issues he did state.3617. Interference, coercion, or intimidation It shall be unlawful to coerce, intimidate, threaten, or interfere with any person in the exercise or enjoyment of, or on account of his having exercised or enjoyed, or on account of his having aided or encouraged any other person in the exercise or enjoyment of, any right granted or protected by section 3603, 3604, 3605, or 3606. In XXXX through XXXX, the property had to go through a procedure that drained water from the bottom level apartments, which confirmed that there was definitely mold in the buildings. I had complained for months that my apartment had possible mold issues because I was experiencing severe breathing issues. MD Code 20-305 ( a ) " Reasonable accommodation '' defined. -- In this section, " reasonable accommodation '' means to make a place of public accommodation suitable for access, use, and patronage by an individual with a XXXX without : ( 2 ) undue hardship or expense to the person making the accommodation. 24 CFR 100.204 ( a ) It shall be unlawful for any person to refuse to make reasonable accommodations in rules, policies, practices, or services, when such accommodations may be necessary to afford a handicapped person equal opportunity to use and enjoy a dwelling unit, including public and common use areas. 42 U.S.C. 3604 As made applicable by section 3603 of this title and except as exempted by sections 3603 ( b ) and 3607 of this title, it shall be unlawful ( B XXXX a refusal to make reasonable accommodations in rules, policies, practices, or services, when such accommodations may be necessary to afford such person equal opportunity to use and enjoy a dwelling. In XXXX for the last escrow hearing XXXX XXXX, the Council for XXXX XXXXXXXX XXXX XXXXXXXX XXXX and manager for the property agreed to move me into another apartment because of my doctor and my request for Reasonable Accommodation. According to the Fair Housing Act they have 10 days to acknowledge receipt of the complaint, 20 days after receipt to accept or reject and 30 days after that to respond, they acknowledged receipt of my complaint and agreed to move me all in the same day which was on XX/XX/XXXX. 30 days after that day I called the rental office for an update and they had nothing and one of the employees had no clue what I was talking about. At this point, I'm going to the emergency room frequently for my XXXX and complaining regularly to my doctor about my XXXX XXXX and issues. Finally in XXXX, I decided to start looking for somewhere else to live after being told they still couldn't do anything for me regardless of all of the open and available apartments they had available. I moved in XXXX I went to court in XXXX for unpaid rent and XXXX XXXX the Council for XXXXXXXX XXXX XXXX XXXX XXXX dismissed the case because I had moved out. In XXXX of XXXX, I received a message from the credit bureaus saying that Fair Collections and Outsourcing says I owe them money from XXXX XXXX XXXX XXXX XXXX. But now I do not have a contract with honestly either Fair Collections and Outsourcing or XXXX XXXX XXXX XXXX XXXX. And 15 U.S.C. 1692g basically says that a contract or statement does not prove that the debt belongs to me. XXXX XXXX XXXX XXXX XXXX never informed of any kind of debt before they sent it to a collection agency. Fair Collections and Outsourcing has violated multiple U.S. Codes. 15 USC 1692b ( 5 ) ; Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shallnot use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 15 USC 1692b ( 2 ) ; Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shallnot state that such consumer owes any debt ; 18 USC 1342 ; Whoever, for the purpose of conducting, promoting, or carrying on by means of the Postal Service, any scheme or device mentioned in section 1341 of this title or any other unlawful business, uses or assumes, or requests to be addressed by, any fictitious, false, or assumed title, name, or address or name other than his own proper name, or takes or receives from any post office or authorized depository of mail matter, any letter, postal card, package, or other mail matter addressed to any such fictitious, false, or assumed title, name, or address, or name other than his own proper name, shall be fined under this title or imprisoned not more than five years, or both. Another issue is that I never gave anyone permission to furnish or report anything to a credit bureau or consumer reporting agency. Since reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and based on 15 U.S.C. 1681b ( a ) ( 2 ) any consumer reporting the agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have never given any credit bureau or consumer reporting agency my written permission to report to them. I sent out letters back in XXXX to XXXX XXXX, and XXXX requesting that they delete the accounts in their system as well as phone calls to all of the agencies since I did not authorize their reporting services. As of today, I have not received a response nor have the account been removed as requested.
04/21/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 223XX	Web
To whom this may concern, On XX/XX/XXXX I pulled my credit report to see what exactly was reporting on my credit because I just saw my score constantly dropping. I found several issues but the main one I am referring to is a collections from Fair Collection & Outstanding Inc. I noticed that they were reporting two accounts in my name, in the amount of {$8200.00}. My credit report showed that the account had been in collection since XXXX but it just started to reflect in XXXX. I wrote Fair Collection & Outstanding Inc. to validate the debts on XX/XX/XXXX because I did not know what the debt was. I received a leasing document for an apartment in the District of Columbia which is a place I've never lived before. The lease document was for apartment XXXX XXXX XXXX XXXX XXXX XXXX, XXXX DC XXXX and had an electronic signature. The ledger attached with the leasing document reflected a balance of {$8200.00}. Again I have never lived in the District of Columbia and at the time this leasing agreement was created I lived in XXXX, VA as I was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I wrote the collection company back requesting for all of the application information along with the key release form for the apartment XXXX account with the balance of {$8200.00} since this is for an apartment and from my understanding the industry standard is for communities to do background checks and validate proof of employment along with documenting the release of keys. They responded to me with the exact same lease and ledger but none of the information requested. Since the Collection company was unable to provide me with any of the additional requested information from the account balanced at {$8200.00} I decided to contact the original creditor, XXXX managed by the XXXX XXXX to obtain these documents. Before going to the office location I called to speak to the community manager who was reluctant to answer my questions and kept on trying to refer me back to the collection company for answers. I asked him directly if I were to come to the office with proof showing that I am who I say I am, will he provide me with the files and he said he needed to talk to a lawyer and get back to me. He then emailed me back stating that he would not be able to provide me with the files and I should talk to the collection company. ( I have the entire email thread which will be attached ). I did not think his response was right so I did my research and I learned that according to the Federal Trade Commission businesses who conduct background checks to provide housing are required to provide the entire file to the individual in which they have done a background check on if requested. In addition to that, I learned that in the District of Columbia document retention is 3 years and after 3 years companies can get rid of files. Learning this did not sit right with me. It is very convenient that the account was closed in XXXX but doesn't start reporting on my credit report until XXXX and now we are in the spring of XXXX which means that they could get rid of the flies very soon. If I did not check my credit report when I did I would have never known about it as I did not receive any notification of either of these debts which is another violation of my consumer rights. Today XX/XX/XXXX after several calls to the corporate office to speak to the regional manager, leaving messages and then waiting a week to speak to her I received nothing. Then called again yesterday XX/XX/XXXX to speak to the regional manager or her supervisor and again not being able to speak to anyone on the corporate level, I then decided to book an appointment and take two forms of ID to XXXX XXXX the original creditor to request the files. When I got there and engaged in conversation with the Community Manager he then looked me in my face and refused to provide me with the files of both accounts. I then informed him of the Federal Trade Law and he continued to refuse to provide me with the files and said something along the lines of him being okay with this playing out in court because he would feel more comfortable giving it to a lawyer or a police officer but not the person in which their office decided to take two account to collection even though his refusal to do so is a violation of the Fair Credit Reporting Act. In all honesty, I have reason to believe that this company is conducting fraudulent activity because when I ask for information from the collection company they are unable to provide me with sufficient documentation and when I go to the original creditor they avoid my phone calls, stop responding to my email and outright in my face deny me access to the files they sent to collection in my name. Also, after reviewing the leasing document provided by Fair Collection & Outsourcing again I noticed a major inaccuracy. The leasing document states that the leasing period begins XX/XX/XXXX and the leasing document was created and signed with my name on XX/XX/XXXX but the lease was not countersigned making it active until XX/XX/XXXX. This is a major concern and adds to my belief that this fraudulent activity occurred within the company, because a from my understanding a XXXX XXXX is not made active until it is countersigned and Fair Collection & Outstanding Inc. nor the XXXX XXXX is able to provide me with any information leading to the possession of either apartment. In addition to that, I received XXXX information about this debt and would not have ever known about it if I did not pull my credit report. Again, the timeframe of the debt reporting 2 almost 3 years after the account was closed and knowing that they can get rid of files after 3 years is far too coincidental. I am so frustrated and confused as to why they will not release the file 's to me and the only reason ( s ) I can think of are the file 's do not exist well at least one of them, there are major inaccuracies or they have been tampered with and the tampering of file 's is a common practice and would expose these fraudulent business practices.
03/02/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20745	Web
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX To Whom It May Concern : I am XXXX XXXX representing MYSELF and I am the consumer in fact and not a third party. I am communicating with you directly as requested regarding concerns/ issues with my credit report. This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account. It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously! Accounts Requiring Immediate Removal from All 3 Credit Bureaus XXXX, XXXX and XXXX : Fair Collections for a debt you claim I owe of {$1900.00} that is reporting as a Collection/Charge Off Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to the fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of that Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request withing 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. CEASE AND DESIST Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Zero out the balance on this account. Grant me my title lien free. Pay the attached invoice and compensate me for every violation labeled in the attached exhibits. Deletion from all consumer reports. Best regards, XXXX XXXX Please provide the following information : XXXX. Name and address of alleged creditor. 2. Name on File of alleged debtor. 3. Alleged account # 4. Address on file for alleged debtor. 5. Alleged account # 6. Amount of alleged debt 7. Date ( this alleged debt became payable ). 8. Date of original charge or delinquency. 9. Was this debt assigned to a debt collector or purchased? 10. Amount paid if debt was purchased. 11. Commission for debt if collection efforts are successful. Please attach copies of the following : Agreement with your client that grants ____ ( Collection Agency Name ) the authority to collect this alleged debt. Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector. Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. All Statements while this account was open. Have any insurance claims been made by any creditor regarding this account? Yes No Have any judgements been obtained by any creditor regarding this account? Yes No Please provide the name and address of the following bonding agent for ( Name of Debt Collector ), in case legal action becomes necessary : Authorized Signature of Creditor : __________________________ Date : ________________________________ You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter. Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information.
08/26/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 208XX	Web
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX To Whom It May Concern : I am XXXX XXXX representing MYSELF and I am the consumer in fact and not a third party. I am communicating with you directly as requested regarding concerns/ issues with my credit report. This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account. It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously! Accounts Requiring Immediate Removal : FCO with Account XXXX for a debt you claim I owe of {$2800.00} that is reporting as a Collection/Charge Off Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to the fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of that Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request withing 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. CEASE AND DESIST Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : XXXX out the balance on this account. Grant me my title lien free. Pay the attached invoice and compensate me for every violation labeled in the attached exhibits. Deletion from all consumer reports. Best regards, XXXX XXXX Please provide the following information : 1. Name and address of alleged creditor. 2. Name on File of alleged debtor. 3. Alleged account # 4. Address on file for alleged debtor. 5. Alleged account # 6. Amount of alleged debt 7. Date ( this alleged debt became payable ). 8. Date of original charge or delinquency. 9. Was this debt assigned to a debt collector or purchased? 10. Amount paid if debt was purchased. 11. Commission for debt if collection efforts are successful. Please attach copies of the following : Agreement with your client that grants ____ ( Collection Agency Name ) the authority to collect this alleged debt. Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector. Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. All Statements while this account was open. Have any insurance claims been made by any creditor regarding this account? Yes No Have any judgements been obtained by any creditor regarding this account? Yes No Please provide the name and address of the following bonding agent for ( Name of Debt Collector ), in case legal action becomes necessary : Authorized Signature of Creditor : __________________________ Date : ________________________________ You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter. Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information.
08/26/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20601	Web	Servicemember
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX To Whom It May Concern : I am XXXX XXXX representing MYSELF and I am the consumer in fact and not a third party. I am communicating with you directly as requested regarding concerns/ issues with my credit report. This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account. It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously! Accounts Requiring Immediate Removal : FCO with Account XXXX for a debt you claim I owe of {$2800.00} that is reporting as a Collection/Charge Off Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to the fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of that Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request withing 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. CEASE AND DESIST Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : XXXX out the balance on this account. Grant me my title lien free. Pay the attached invoice and compensate me for every violation labeled in the attached exhibits. Deletion from all consumer reports. Best regards, XXXX XXXX Please provide the following information : 1. Name and address of alleged creditor. 2. Name on File of alleged debtor. 3. Alleged account # 4. Address on file for alleged debtor. 5. Alleged account # 6. Amount of alleged debt 7. Date ( this alleged debt became payable ). 8. Date of original charge or delinquency. 9. Was this debt assigned to a debt collector or purchased? 10. Amount paid if debt was purchased. 11. Commission for debt if collection efforts are successful. Please attach copies of the following : Agreement with your client that grants ____ ( Collection Agency Name ) the authority to collect this alleged debt. Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector. Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. All Statements while this account was open. Have any insurance claims been made by any creditor regarding this account? Yes No Have any judgements been obtained by any creditor regarding this account? Yes No Please provide the name and address of the following bonding agent for ( Name of Debt Collector ), in case legal action becomes necessary : Authorized Signature of Creditor : __________________________ Date : ________________________________ You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter. Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information.
04/05/2019	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	GA 30016	Web
I lived in XXXX XXXX XXXX for 3 years and then decided to move out because we were in the process of trying to purchase a home.. AND our apartment had several water leaks, causing a horrible smell and one leak where the air conditioner unit went out and flooded the apartment. The complex did not fix the issue. They sent a humidifier to stay in the apartment for 7 days to dry out the carpet. I sent them a written 60 days notice as required by my lease on XX/XX/2017. It was accepted by the complex. I was XXXX months XXXX at the time when I moved out, so I hired a moving company and a cleaning company to clean out the apartment. On XXXX the XXXX, After a walk through of the apartment with an office worker, I was told that everything was fine and I would only have to pay the prorated rent of {$230.00} for XX/XX/XXXX - XX/XX/XXXX plus the water bill for XX/XX/XXXX - XX/XX/XXXX. I asked why did I have to pay for XX/XX/XXXX & XXXX when today is the XXXX and I'm turning in my keys and doing the walk through today. She stated because my 60 noticed wasn't officially received until the XXXX but you didn't fill out the move out form until the XX/XX/XXXX, so your rent is prorated until the XXXX of XXXX. I said ok. We had already signed a lease for another place to move in on the XXXX. The office worker said everything looks good. Thank you and good luck to you. and said they will contact me once the water bill come out at the end of the month. I left my forwarding address and both personal and work cell phone numbers so they could contact me as soon as the water bill came out. I asked was there anything that I needed to sign saying that was all I had to pay and she stated no, we'll send you your final bill for the prorated rent and the water bill. By Mid XXXX I hadn't received a bill so I called the apartment to find out why I hadn't received the bill. I was told the manager wasn't available and I would have to speak with her. I called back a week later and got the same response. So I eventually went there around the beginning of XXXX to speak with the manager so we could get this resolved. I was told that my bill had been sent to collections for non payment. I was really upset because all this time no one sent me any bill nor contacted me to pay the bill. So I asked what was the name of the collection agency and the manager told me I would have to call their corporate office. I called them several times to only get a voicemail that was full every single time I called. So as time went by, I never received any communication from anyone regarding this bill and it wasn't on my credit reports since we were trying to purchase a home at the time. In XXXX of 2017, Fair Collections and Outsourcing shows up on my credit report with and astronomical bill for over {$7000.00}. I was FURIOUS. I contacted them basically asking for a breakdown of charges, because when I moved out I was told that I would only have to pay prorated rent and water bill. There WAS ABSOLUTELY NO DAMAGE NOR DID WE TRASH THIS APARTMENT. We hired a moving and cleaning company to help me since I was XXXX months XXXX at the time we moved out. They refused to give me a breakdown over the phone, so I wrote a letter asking them for the break down of charges. I'm baffled as you will too once you see the attached bill. There are SEVERAL things wrong on this bill. 1st, my deposit was {$400.00} and not {$200.00}. Secondly, there are charges for prorated rent for {$400.00} ( which was NOT what I was told I'd have to pay ), Thirdly, there's 2 trash out fees which one is {$1800.00} ( again, we hired a moving & cleaning company & the office worker who did my walk through said everything was good and they'd send me my final bill, which never happened ). There's a termination fee of {$2000.00} ( why do I owe a termination fee, when I gave a 60 days notice as my lease required ) Fourth, paint and carpet after being in an apartment for 3 years and 3 months is normal wear and tear. Also being in an apartment with one flooding of the entire apartment ( which messed up furniture, children toys and clothing that was in their closets ) another flooding into the boys closet which was caused by the hot water tank leaking into their closet. Also not to mention a fire in the apartment above us which caused the sprinkler system to go off and mess up furniture again and wall paintings, wall artwork. This painting and carpet charge as well as blinds for {$300.00} which none had to be replaced, should be consider as normal wear and tear as Georgia laws says. FCO refused to remove this bogus bill from my credit report which has caused us not to purchase a home. I want this bill deleted from all major credit bureaus and for them to not to be able to sell this bogus bill to another debt collector. I have reached out to the apartment complex and they have been bought out by another property management company and I was told that I would have to deal with FCO directly. However I'm hoping the CFPB will put a stop to companies like this for filling bogus bills and reporting to the Credit Bureaus.
10/14/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MD 20886	Web
i was renting an apartment at XXXX at XXXX XXXX in XXXX MD from XXXX to XXXX. Things were going well until they changed property management and eventually sold off the property. Around XXXX XXXX i noticed little droplets of XXXX in the stove and in some areas of the living room. After inspecting the house i realized i had mice. I never had any pest issue in the 1st 3 years that i lived here besides roaches. Shortly after there was a vague note sent to all residents asking them to call the office if they had any issues with pests so they can schedule pest control to come through the property. I called the office right away and mentioned that i had mice and had already spent some money buying and placing traps around the apartment. Pest control finally came to my apartment and i made sure i took off work to be there to make sure these was taken care of as i had a XXXX XXXX XXXX XXXX. The guy walked in and asked me where i think they are coming from, i told i 've seen them on the stove and in the kitchen where the water heater ( not sure what gadget that was in the kitchen closet ). The guy put down 2 traps in this closet and then put 2 more traps at the bottom of the stove. I asked him if he was going to do anything else and his response was " the building is too old to anything else '', but he would be back ; well he never showed up again. I went to the office to express my frustration at the situation and they said there was nothing that they could do. On XXXX XXXX XXXX i stopped at the office to pay the balance on my rent in the amount of {$620.00}, it was then that i asked XXXX XXXX how to go about submitting my 60 day notice and to whose attention i send it to. XXXX provided his email address on a stick note and signed it with his initials. The next day XXXX XXXX XXXX, i emailed XXXX my notice to vacate the property. On XXXX XXXX, XXXX i stopped back in the office to find out if there was anything else needed, and lo and behold, they could not find a notice to vacate from me anywhere in their system. I showed them the stick note that i was given, but everyone seemed not to know what was going on nor did they want to figure it out, but apparently they were in the middle of transition to new management. I left work early a couple more time to try and fix the situation but again everyone avoided me like the plaque. Well i finally moved out the apartment and turned in my keys, left them with email and cell phone number to contact me once they figure out what was going on. I also set up my mail to be forwarded for a year so as to not to miss any important paper work. On XXXX XXXX XXXX, i received an email from XXXX XXXX who was the XXXX XXXX at the time, asking me to send her my notice, which i forwarded to her. It was then that she began verbally berating me about using an email that had n't been set up, and that she would be charging me all sorts of penalties and fees for breaking my lease. It was then that i sent her a picture of the stick note that i was provided with XXXX ' email, but she was not having it. I also mentioned to her that i would have loved to finish out my lease XXXX lease was ending in XXXX XXXX, but could n't do so with a XXXX XXXX and house that 's infested with mice and no help from them in rectifying the problem. I asked to send me a final accounting of my account, but never received anything, in email or the mail no communication whatsoever. Fast forward 2 years later, in XXXX XXXX i receive an alert on credit report that something has been added, and what do you know, it was a collection account from XXXX at XXXX XXXX now know as " the XXXX XXXX ''. I then went to their office that Saturday to speak with a manager and was told the property manager does not work weekends and that i should come back during the week. I could n't keep taking time off work so i decided to email and have a paper trail as well. On XXXX XXXX i sent an email to XXXX, telling him that i have called numerous times about this account, but ca n't seem to get a returned phone call. XXXX forwarded my email to XXXX their bookkeeper to dig out the paper work and find out what was going on. I followed up with XXXX every week from then, but she still did n't have any info. Finally on XXXX XXXX XXXX, after multiple calls and threatening to sue i received an email stating that she had forwarded my file to her assistant Manager and that she would let me know the outcome. I still did n't hear back from either of them ; XXXX XXXX XXXX, i sent another email asking for an update with no response. I called XXXX again and explained the whole situation and how this all started with him giving me a wrong email address and now nobody wants to fix it. He said they 've had a lot of turnover and at this point he thinks i should just get an attorney. Unfortunately i can not afford an attorney!
04/21/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 223XX	Web
To whom this may concern, On XX/XX/XXXX I pulled my credit report to see what exactly was reporting on my credit because I just saw my score constantly dropping. I found several issues but the one I am referring to were two collections from Fair Collection & Outstanding Inc. I noticed that they were reporting two accounts in my name, one in the amount of {$5800.00}. My credit report showed that the account first was delinquent XX/XX/XXXX but it just started to reflect in XXXX. I wrote Fair Collection & Outstanding Inc. to validate the debts on XX/XX/XXXX because I did not know what the debt was. I did not receive anything portraying to this debt. Since I did not receive any information about this account I wrote the three credit bureau 's XXXX, XXXX, and XXXX on XX/XX/XXXX requesting that this debt be removed from my credit report as the collection company was unable to verify this debt and still have not verified the debt to this day. I do not know why but the account was not deleted from my report. Since the Collection company was unable to provide me with any information in regards to the account balanced at {$5800.00} I decided to contact the original creditor, XXXX managed by the XXXX XXXX to obtain these documents. Before going to the office location I called to speak to the community manager who was reluctant to answer my questions and kept on trying to refer me back to the collection company for answers. I asked him directly if I were to come to the office with proof showing that I am who I say I am, will he provide me with the files and he said he needed to talk to a lawyer and get back to me. He then emailed me back stating that he would not be able to provide me with the files and I should talk to the collection company. ( I have the entire email thread which will be attached ). I did not think his response was right so I did my research and I learned that according to the Federal Trade Commission businesses who conduct background checks to provide housing are required to provide the entire file to the individual in which they have done a background check on if requested. In addition to that, I learned that in the District of Columbia document retention is 3 years and after 3 years companies can get rid of files. Learning this did not sit right with me. It is very convenient that the account was closed in XXXX but doesn't start reporting on my credit report until XXXX and now we are in the spring of XXXX which means that they could get rid of the flies very soon. If I did not check my credit report when I did I would have never known about it as I did not receive any notification of either of these debts which is another violation of my consumer rights. Yesterday XX/XX/XXXX after several calls to the corporate office to speak to the regional manager, leaving messages and then waiting a week to speak to her I received nothing. Then called again Wednesday XX/XX/XXXX to speak to the regional manager or her supervisor and again, I was unable to speak to anyone on the corporate level, I then decided to book an appointment and take two forms of ID to XXXX XXXX the original creditor to request the files. When I got there and engaged in conversation with the Community Manager he then looked me in my face and refused to provide me with the file account in question. I then informed him of the Federal Trade Law and he continued to refuse to provide me with the files and said something along the lines of him being okay with this playing out in court because he would feel more comfortable giving it to a lawyer or a police officer but not the person in which their office decided to take two account to collection even though his refusal to do so is a violation of the Fair Credit Reporting Act. In all honesty, I have reason to believe that this company is conducting fraudulent activity because when I ask for information from the collection company they are unable to provide me with any documentation and when I go to the original creditor they avoid my phone calls, stop responding to my email and outright in my face deny me access to the files they sent to collection in my name. In addition to that, I received zero information about this debt and would not have ever known about it if I did not pull my credit report. Again, the timeframe of the debt reporting 2 almost 3 years after the account was closed and knowing that they can get rid of files after 3 years is far too coincidental. I am so frustrated and confused as to why they will not release the file 's to me and the only reason I can think of is the file 's do not exist or the file have been tampered with and the tampering of file 's is a common practice and would expose their fraudulent business practices.
01/21/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	DC 20002	Web
I am writing a complaint against XXXX known as Fair Collections & Out Account # XXXX the Original Creditor : XXXX XXXX XXXX they are in violation State and Federal laws of non-compliance of FCRA and FDCPA statues on fraudulent extortion. I wrote to XXXX on XX/XX/XXXX a letter of validation and it was deliver to them on XX/XX/XXXX. They wrote back on XX/XX/XXXX not answering any of the questions or sending any of documents I required. First I stand with CFPB which are investigating them on the same premise as the following. Hereby reserve my right to take private civil action against you to recover damages : The Bureaus complaint alleges that XXXX violated the Fair Credit Reporting Act, Regulation V and the Consumer Financial Protection Act by : failing to establish or implement reasonable written policies and procedures regarding the accuracy and integrity of the information it furnished to consumer reporting companies, specifically with respect to its handling of indirect disputes ; failing to consider or incorporate the appropriate guidelines in developing its policies and procedures regarding the handling of indirect disputes ; failing to review its indirect dispute handling policies and procedures and update them as necessary to ensure their continued effectiveness ; failing to conduct a reasonable investigation, or any investigation, and review all relevant information in its handling of indirect disputes ; and furnishing information about accounts before or without conducting an investigation into the accuracy of the information it was furnishing after receiving identity theft reports from consumers disputing such accounts. Finally, the Bureaus complaint alleges that XXXX and XXXX XXXX XXXX violated the Fair Debt Collection Practices Act when XXXX represented that consumers owed certain debts when, in fact, XXXX did not have a reasonable basis to assert that the consumers owed those debts. The XXXX complaint seeks an injunction, as well as damages, redress, disgorgement of ill-gotten gains, and the imposition of a civil money penalty. In the letter I wrote they fail to complete the form with questions and documents : CREDITOR/DEBT COLLECTOR XXXX Please provide all of the following information and submit the appropriate forms and paperwork within 30 days from the date of your receipt of this request for validation. ______________________________________________________ Name and Address of Alleged Creditor : ______________________________________________________ Name on File of Alleged Debtor : _____________________________________________________________ Alleged Account # : XXXX Address on File for Alleged Debtor : ____________________________________________________________ Amount of alleged debt : _____________________________________________________________ Date that this alleged debt became payable : _____________________________________________________ Date of original charge off or delinquency : ___________________________________________________ Was this debt assigned to debt collector or purchased? XXXX XXXX paid if debt was purchased : XXXX XXXX for debt collector if collection efforts are successful : Please attach a copy of the agreement with your client that grants XXXX the authority to collect this alleged debt. Also, please attach a copy of any signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector. Please attach a copy of any agreement that bears the signature of debtor, wherein he/she agreed to pay creditor. Please attach copies of all statements while this account was open. Have any insurance claims been made by any creditor regarding this account? YES or NO ( circle XXXX XXXX Have any judgments been obtained by any creditor regarding this account? YES or NO ( circle XXXX ) Please provide the name and address of the bonding agent for ( Name Of Debt Collector XXXX, in case legal action becomes necessary : XXXX XXXX XXXX XXXX Authorized Signature For Creditor Date __________________________ XXXX ) Collection agencies " Re-Age '' my account by reporting the date of last activity instead of the date of XXXX delinquency : Consumer Protection afforded by the FCRA Section XXXX ( c ) damages. This is harming me as consumer of reporting inaccuries and errors not only you but the credit bureaus. Who refuses to correct information after provided proof of inaccuracies. Defamation, willful injury. FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX Case XXXX XXXX XXXX. If this is not removed from all CRA with 15 days we will be pursuing legal actions.
08/08/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NJ 08080	Web
Ive been working amiably with XXXX on an amicable resolution and am surprised by the attorneys letter in pandemic. Ive been sending XXXX money whenever I get any despite documented struggles in XXXX XXXX and personal financial crisis. I dispute the charges which are not based on facts. 1. Ive never had a job change/relocation since I moved into XXXX on XX/XX/XXXX. I refused to send a COVID notice to vacate given risks of forced quarantine and being reported to health authorities. Videos like the below show nations force quarantine but crowded suspects at hospital can cause infection/death : XXXX XXXX XXXXXXXX https : XXXX https : XXXX XXXX forced a notice by putting a hold on my force majeure pandemic emergency evacuation and withholding XXXX from movers, despite my several emails begging her to resolve the catch-22 situation. 2. Several people witnessed my evacuation and know COVID is the reason. XXXX employees had many emails on various COVID special accommodations just for me and the fact that I, as a documented XXXX with family XXXX XXXX excision medical records at young ages, evacuated # XXXX in the XXXXXXXX XXXX XXXX area because of COVID. Dense people and elevator to XXXX Floor raised life-threatening risk but XXXX never mitigated tenant infection risk so # XXXX was no longer safe for me. The force majeure in the lease and the doctrine of impossibility given unprecedented natural disaster also exempts my liability. 3. My subsequent landlord and neighbors also know COVID was the reason for my urgent evacuation as no other reason would motivate anyone to take whatever vacancy there is and sign the shortest-term 1-man lease instantly for a XXXX XXXX XXXX and move in alone next day. Half the apartment remained vacant till the end of that lease. 4. I only decided on the force majeure emergency evacuation because XXXX emailed earlier that they expected to lease it within a month. They had ample time before XX/XX/XXXX. 5. XXXX emailed that they lowered rent by {$200.00} but I found it was based on documented wrong calculations. They admitted fault much later that they actually unfairly raised rent by {$50.00} against economic laws governing markets in a weak slow-winter-season market in life-threatening COVID pandemic above my {$3000.00} strong-summer-season high rent which lead to prolonged vacancy. XXXX XXXX XXXXXXXX 6. The rent on # XXXX is {$310.00} above the {$2800.00} rent that they advertised at the same time for a newer and larger comparable # XXXX at their own XXXX XXXX. 7. Neighboring landlords cut much rents to minimize pandemic vacancy by documented data/evidence but XXXX raised rents to increase vacancies and made little effort to mitigate loss. XXXX charged way higher than comparables. XXXX offers 3 months free on a 1-year lease during the COVID pandemic but never offered me anything. 8. Ive contributed to XXXX revenue by posting ads, writing 5-star reviews/photos everywhere with XXXX views, and getting broker XXXX XXXX to help me. We each referred tenants to XXXX but their exorbitant price in crisis turned people down. I offered to compensate XXXX for any price difference to lease it out but was ignored. 9. XXXX said in my touring video on record that several units are regularly kept vacant intentionally as a business strategy for higher future rent. XXXX chose not to lease it out and therefore incurred no loss. 10. I was told in my touring video and texted on a lenient lease-breaking policy of a months penalty and hoaxed me ( who trusted them ) into signing XXXX lease. A powerful and resources firm misinforms and takes advantage of a retail consumer whos unable to fend for himself. 11. AppliedCo already reduced the balance due to {$8400.00} ( see screenshot in attachment page 1 ) on XXXX but sent {$12000.00} to Fair Collections Outsourcing. 12. AppliedCo threatened me with impersonated attorney letters in the darkest days of the pandemic. 13. Fair Collections and Outsourcing threatens me by impersonating attorney both via phone calls and on credit reports. There are additional facts and rationales against the charges. COVID changed tax date and the world ; there are landlord relief packages/bills/policies in the making to render this a win-win situation. I initiated in XXXX to work with AppliedCo on a payment plan on the rent for either the time before the emergency/pandemic declaration or the average amount of time it took to rent out an apartment comparable to # XXXX in XXXX XXXX, XXXX, XXXX but they ignored my friendly proposal.
01/04/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21113	Web
This is a consumer complaint for violations under the FCRA. My prior apartment management company has falsely accused me of damaged hardwood fIoors as a retaliatory and XXXX tactic to my moving out and upon request my writing a letter to the management company about the decline in the property within the XXXX years that I rented at the XXXX I moved into the XXXX Apartments in XXXX XXXX on XX/XX/2020. I submitted several maintenance requests regarding the hardwood floors and the fireplace repairs during my XXXX year tenure at the XXXX. Asking maintenance to fix the floors because they constantly shifted and were coming up due to years of wear and tear. Maintenance would come to my home and kick the planks in place with the heel of their boots and say that the floors are old and theyre aware but that they don't have the budget to replace the floors in all of the units and that my unit isnt the only unit but that the floors and the fireplaces were a systemic problem throughout the entire property because they are old and it is hard to find parts for the fireplaces and that it is costly to maintain and keep the hardwood floors. XXXX the maintenance man and I had a conversation about the new linoleum floors that are manufactured now that looks just a good and easier to maintain and is more cost effective from a budgetary standpoint. He went as far to say that he was working on getting it approved. So I happily said so the tenants would be getting new floors and he replied no that it is easier to implement the replacements as tenants moved out. XXXX the maintenance supervisor said and I quote " You are lucky that your fireplace works at all. Some of the units fireplaces don't work at all and its hard to find the parts for these old fireplaces anymore. So, when it goes out/stop working its not very much maintenance can do about it. I said I hear you, but I dont want to be charged for this later and XXXX XXXX, XXXX XXXX XXXX XXXX are aware. I took pictures and sent the pictures through the maintenance portal during the time that I rented there because tenants had to submit pictures as documentation of the problem. So, with every maintenance request I would submit pictures. Once XXXX the maintenance supervisor sent someone, I am guessing a XXXX who replaced a couple of planks only to have the floors shift again literally days later. XXXX the maintenance man came to my apartment a few times personally and told me that they are aware of the floors but that there is nothing they can do and rest assured that you won't be charged XXXX XXXX. Which is why I feel that these are XXXX collections claims of damaged floors and actually is a bullying attempted by the property management company. I submitted my XXXX days notice to the company citing that I was leaving because the buildings arent cleaned daily, the gates are often broke and don't work, maintenance is a joke and don't fix anything and Macgyvers instead of repairs maintenance problems. I further stated the XXXX tenants constantly receive notice of amenities being taken away and not replaced with something comparable and the amenities charges increased annually instead of decreasing to reflect the reduction in overall amenities. The lack of professionalism in the rental office was not good and that I could see the decline in the property 's up keep and that the property had potential but that the management staff was a reflection of the decline in the property 's up keep. Because of my complaints the prior property XXXX said I could leave if I wasnt happy living at the XXXX and said I would as soon as my lease permitted. She replied back that she has a wait list and is booked to 100 % capacity and didn't need to hold any tenant to their lease that wasn't happy with their unit. I said so you won't hold me to the lease she said no just submit your XXXX days notice and you are free to go. So I did, soon after a enters a New Property XXXX of the XXXX and attempted to say I was breaking the lease and owed monies for breaking the lease and myself as well as a the accounts XXXX said no that the prior XXXX had gave her blessing I also had the move out settlement sheet to prove it. So we backed down from that angle and now here is a new angle. I as well as my husband had spoke with the assistant account XXXX XXXX and the property XXXX XXXX and was assured that we dont owe for damages. So my husband and I were both shocked to receive a collections letter in the mail stating otherwise.
01/26/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	NJ 08861	Web
This is the first apartment I ever moved into. I moved with 2 of my cousins the townhouse was under my name, The other two were listed as my co-tenants. The first few months were great.. We paid our rent in time every single month. Problems started when one of my cousins moved a dog into the property. Which was against the terms of the lease. We received notices to quit. Yes, notice '' s '' it was getting old. Legally, it means get the XXXX out or we'll do it for you. They gave us a date. We moved out before the date because we wanted to keep the dog. They never communicated we had to do anything else. They legally know, we are not there past that date. Because a notice to quit is literally a legal document. A month after our move-out, I notice I am still getting charged rent. It gets better. They've been charging me rent months after that and even kept my deposit. Claiming the apartment was damaged. I was threatened to be taken to court, to be sent to collections, and yes, to have my property seized. With the notice to quit. I called and called upon weeks after I found out about this and every agent I spoke to had no idea what I was talking about. Meaning they never even bothered to keep notes or update whatever system they had. I exchanged letters with their lawyers, called them, I truly did everything I could to explain to them I was never at the property after the date they gave me in the notice to quit letters. They never even sent somebody to check if i was still living there. They tried to come up with whatever excuse they could. Saying things like " you didn't drop the keys at the office '' " We have no record of you leaving '', etc.. They didn't even have records of me calling them since they had no clue what was going on. The last time I called, was when they finally updated the system and they put the DATE I LAST CALLED. AS MY MOVE OUT DATE. MONTHS LATER. 1. They never checked physically after the notice to quit date yet they claim I never moved out. 2. They never kept tabs of when I called or at least acted like they didn't. 3. Apparently they have no record of me moving out although they sent me letter and LEGALLY they should've known I was out. If I were some squatter, they would've find me out if they checked the premises, they never did. I even have proof of a new lease at another apartment after I moved. 4. Last but not least, they kept my deposit claiming there was property damage. Yet they constructed the bill themselves and mailed it to me. So the claim is literally backed up the person who wrote it. Convenient. 5. I've also been sent to collections for an amount I DO NOT OWE SINCE I MOVED OUT MONTHS AGO. They charged me 3 whole months. Took my deposit, and they still want more money out of me and sent me to collections for it. My credit is now destroyed and I can not qualify to buy a home. Here 's some details and dates : Company : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX The Address of the property I rented : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Renter Account # : XXXX People I spoke to and never helped me : XXXX XXXX Probably every person with access to their customer service email : XXXX There are other names, Since this happened in 2022 I have little recollection. I found out about this on my credit report and of course all of the threats. I was threatened to be put on collections and It happened. I got threatened to be sued and they sued me over EVICTION and then dismissed it. Probably found out they were going to lose. Here 's the case jacket of that : Plaintiff Name : XXXX XXXX XXXX Defendant Name : XXXX XXXX Case Caption : XXXX XXXX XXXX XXXX XXXX XXXX Case Number : MID LT XXXX Docket Text : Generic Proceed Transaction ID : XXXX Notice has been electronically mailed to : Plaintiff Attorney XXXX XXXX XXXX XXXX XXXX XXXX Defendant XXXX XXXX XXXX The notice to cease/quit letter I received had a lease termination date of XX/XX/XXXX. I was moved out with 1 cousin by XX/XX/XXXX. The last cousin left around XXXX XXXX, driving to Florida with all his belongings. I have email threads and evidence of me leaving the premises. I even left the keys inside the property and locked it. I already knew the apartment manager had a master key so I didn't bother. The move out date was set in XXXX. The last time I called them. Thank you for reading throughout this post and I hope I get the help I deserve. Thank you.
04/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	CA XXXXX	Web
This complaint centers around the way that some debt collection agencies practice their trade by willfully ignoring current laws. Fair Collections & Outsourcing in attempting to collect a debt for XXXX XXXX XXXX XXXX, did break a few laws without question.All of the problems stem from what was reported to credit reporting agencies. Not on any matter of how they interacted with me outside of their duties as a " furnisher '' of information. For some context and background ; I was a student of XXXX XXXX in XX/XX/XXXX. I became totally XXXX, and my condition at that time began to worsen so I dropped out of school. I began to receive debt notices from XXXX XXXX which I could not afford to pay. I began to look into filing for student debt forgiveness due to permanent XXXX. I completed the paperwork and was notified I would be monitored for three years and after that, if my status didn't change, my student debts would be canceled. I did this. At the end of XX/XX/XXXX, I received a copy of my credit report from XXXX. Under the heading COLLECTIONS was information from Fair Collections & Outsourcing stating I owed XXXX XXXX {$2100.00}. On XX/XX/XXXX, I promptly disputed this online with XXXX. In the meantime, I contacted XXXX the administer of my student debt cancellation. I also had multiple email contacts with the XXXX XXXX Bursar, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This is when I learned the debt was not for loans or regular student debt, it was XXXX XXXX collecting money they lost when loans, grants etc. were canceled. Money that had nothing to do with XXXX. Ironically on XX/XX/XXXX, I was contacted by XXXX stating that Fair Collections & Outsourcing had certified the debt as accurate and the debt would remain on my credit report. That same day I received the last email from XXXX XXXX confirming the date of my withdrawal as XX/XX/XXXX. The debt was due on that date. The bursar also submitted a one-page breakdown of the funds showing why XXXX XXXX was collecting the {$2100.00}. This form was the same one given to Fair Collections & Outsourcing on XX/XX/XXXX. This proved that the debt was time-barred from being furnished to credit reporting agencies. By admission from XXXX XXXX, Fair Collections & Outsourcing was given documentation showing when debt became past due ( delinquent ) and how long it could be legally reported. That time limit was up in XX/XX/XXXX. Since XX/XX/XXXX multiple times Fair Collections & Outsourcing illegally and knowingly certified information to credit bureaus. On XX/XX/XXXX, I mailed another dispute to XXXX. At that time I provided a copy of the last email from the XXXX XXXX Bursar and the breakdown of the debt form. I received no response from XXXX but the collections account has been removed for the month of XX/XX/XXXX. I also received a copy of my XXXX credit report on XX/XX/XXXX. Under Collections was the Fair Collections & Outsourcing information which states : debt assigned XX/XX/XXXX date of 1st delinquency XX/XX/XXXX amount {$2100.00} unpaid Collection reported XX/XX/XXXX notation ADDITIONAL INFORMATION Consumer Disputes This Account Information. We already know that the original creditor, XXXX XXXX, has certified the due date as XX/XX/XXXX so thirty days overdue would be XX/XX/XXXX, NOT XX/XX/XXXX as Fair Collections & Outsourcing reported. We also know that if XXXX XXXX had not provided all of that to Fair Collections in the beginning ( which seems very unlikely ) proof has been submitted that the financial breakdown was submitted to Fair Collections on XX/XX/XXXX. So, yes, knowingly they submitted information as a furnisher to multiple credit reporting agencies, multiple times, the information they knew or should have known was illegal to be reported. I am sending the following proof with this complaint : 1. Proof of submitting online dispute to XXXX 2. Emails from XXXX XXXX Bursar and breakdown of debt. 3. XXXX stating that Fair Collections say that the information was accurate and it would remain on my credit report. 4. Mailed second dispute to XXXX with copy of email from XXXX XXXX and breakdown of debt. 5. Copy of page from XXXX showing information provided by Fair Collections on my credit report on XX/XX/XXXX, a copy of credit report dated XX/XX/XXXX where the Fair Collections & Outsourcing information was removed.. 6. Copy of XX/XX/XXXX report from XXXX showing the information provided to XXXX by Fair Collections & Outsourcing
05/11/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92557	Web	Servicemember
Fraudulent Account # XXXX. I have sent numerous Debt Validation letters and none have came back as Validated. The police report and complaints were filed extremely late because I did not have knowledge that this account was on my credit report until XX/XX/XXXX nor did I know that I could report my stolen social security cards and birth certificates to the police department. I also didnt know about submitting identity theft to the federal trade commission at that time which is why that complaint wasnt submitted until XX/XX/XXXX. In the summer of XX/XX/XXXX I was issued new social security cards and birth certificates due to my private information of property being stolen. I have also recently again submitted complaints to the Police department, XXXX XXXX XXXX and Federal Trade Commission if documentation is needed. To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following. Violation of the Fair Debt Collection Practices Act Defamation of Character I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for Fair Collections & Outsourcing in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
07/08/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MS 38654	Web
In XX/XX/XXXX we rented a home from XXXX XXXX. Throughout our 2years 4months lease we experienced SEVERAL problems with the home that caused my family to be temporarily displaced. The first issue came in XX/XX/XXXX. We had an extreme case of termites to where we had to move into a hotel for a week so the home could be treated. Then in XX/XX/XXXX, there was a roof leak. However, it didn't require us to move out but we did have several buckets around the livingroom to catch the water until the roof was patched because it was never repaired correctly. The next issue we had was in XX/XX/XXXX were the septic tank backed up into the home and we were yet again forced to stay in a hotel until this problem was fixed. We contacted XXXX on each of these instances to make sure they were going to reimburse us at the very least the hotel fees since we still had to pay rent. We were ok with them reimbursing us and/or taking it off the rent. During this process XXXX was bought out by XXXX XXXX. XXXX XXXX came in and took care us by taking the hotel fees we paid off our rent. In XX/XX/XXXX, I was relocated to another state with my job. During my relocation, my company hired a moving and cleaning company to take care of everything while I was away. My sister did the final walk through with a representative from XXXX ( Ms. XXXX ). XXXX notified me that everything was left in satisfactory condition and that I would only have to pay for replacement of blinds, new paint and carpet replacement. I asked how much would that be and she said she didn't know the figures right off BUT my security deposit ( {$3500.00} ) would be more than enough. 2 days later XXXX called me back and said good news you don't have to pay for carpet and paint because you were there 2 years and after that it's considered normal wear and tear and the company is responsible for that. However she did say that I would be responding for replacing 4 blinds that had been torn. I asked her to send me an itemized bill ASAP as we were purchasing a home in another state were I relocated to. We officially moved out in XXXX. We paid a higher rent ( month to month ) from XXXX to XXXX since we were not going to renew our lease due to me being relocated to another state. I NEVER received that bill. In fact I called several times where I either got a VM or I was given the run around or told I would have to speak to a different person everytime. Time went on and life happen. I got busy with my new job, we purchased our home. At this time I still haven't heard back from XXXX about an itemized bill. I really wasn't too worried about it due to the fact we had a deposit of {$3500.00} and I knew replacements of 4 blinds would not exceed that. Time went on and in XX/XX/XXXX we recieve an alert from all 3 major credit Bureaus that Fair Credit & Outsourcing had placed a collections for {$1300.00} on our credit reports. I was FURIOUS! I immediately reached out to XXXX XXXX and was told I would have to deal with FCO. I contacted FCO and explained what happened to see if they could help me or give me guidance on how to get this egregious bogus collections removed from our credit. I explained to the representative from FCO that we were in the process of filing a civil suit against XXXX XXXX because they NEVER returned our deposit or the funds and we were NEVER notified that we owed them anything. The representative was rude and wasn't helpful at all and continued to ask when and how I plan to take care of this debt. I have researched FCO and not to my surprise, they have a horrible XXXX rating and most of the complaints from consumers who've experienced the same thing as we have. I've also seen where the CFPB has filed lawsuits agaisnt them for this very practice of not notifying consumers of alleged debts. This company has some questionable practices at best and need to be held accountable for ruining people 's credit which makes it harder for us to live. I have made a complaint with the XXXX and will do so with any other agency I need to in order to have them investigated and held accountable for the illegal practices of debt collecting. I would like to have this account deleted from our credit report and NOT sold to any other debt collector. I would also like for XXXX XXXX to refund us our deposit ( minus the 4 blinds ). I look forward to hearing back from the CFPB on their findings.
10/04/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20743	Web
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Fair Collections is claiming that I owe {$970.00} which I dont owe. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to the fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of that Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request withing 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. XXXX XXXX CEASE AND DESIST Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Zero out the balance on this account. Deletion from all consumer reports. Best regards, XXXX XXXX Please provide the following information : 1. Name and address of alleged creditor. 2. Name on File of alleged debtor. 3. Alleged account # 4. Address on file for alleged debtor. 5. Alleged account # 6. Amount of alleged debt 7. Date ( this alleged debt became payable ). 8. Date of original charge or delinquency. 9. Was this debt assigned to a debt collector or purchased? 10. Amount paid if debt was purchased. 11. Commission for debt if collection efforts are successful. Please attach copies of the following : Agreement with your client that grants ____ ( Collection Agency Name ) the authority to collect this alleged debt. Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector. Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. All Statements while this account was open. Have any insurance claims been made by any creditor regarding this account? Yes No Have any judgements been obtained by any creditor regarding this account? Yes No Please provide the name and address of the following bonding agent for ( Name of Debt Collector ), in case legal action becomes necessary : Authorized Signature of Creditor : __________________________ Date : ________________________________ You must return this completed form along with copies of all requested information, assignments, or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter. Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information.
01/24/2024	Yes	Debt collection Rental debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MA 02148	Web
As a consumer, I assert that Fair Collections and Out ; Fair Collections and Outsourcing has consistently violated my right to privacy, as protected by the Privacy Act of 1974. Fair Collections and Out ; Fair Collections and Outsourcing, through its various iterations, has reported negative information on my credit report without my authorization, contravening the Fair Credit Reporting Act ( FCRA ), as explicitly outlined in 15 USC 1681 section 602a. This section of the FCRA emphasizes the imperative for consumer reporting agencies to discharge their responsibilities with fairness, impartiality, and due regard for consumer privacy, stating, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Pursuant to 15 USC 6801, I, as the consumer, retain the right to ensure that my private information is not disseminated without explicit consent. Fair Collections and Out ; Fair Collections and Outsourcing, recognized as a financial institution under the same title, is subject to 15 USC 1681 section 604a section 2, which explicitly states, " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' In this specific case, neither Fair Collections and Out ; Fair Collections and Outsourcing nor XXXX, and XXXX and XXXX, a consumer reporting agency, possesses my written consent to furnish this information, rendering their actions unlawful. I hereby unequivocally revoke any and all consent previously granted to Fair Collections and Out ; Fair Collections and Outsourcing, whether such consent was verbal, nonverbal, written, implied, or otherwise. Additionally, it is noteworthy that Fair Collections and Out ; Fair Collections and Outsourcing neglected to apprise me of my right to exercise the nondisclosure option, exacerbating their non-compliance with relevant laws. Furthermore, the inclusion of this adverse item in my credit report by Fair Collections and Outsourcing runs afoul of 15 USC 1681C ( a ) ( 5 ), which explicitly states, " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '', as a consumer reporting agency, is duty-bound to uphold reasonable procedures designed to avoid such violations, as mandated by the requirements delineated in 15 USC 1681b . Additionally, 12 CFR 1016.7 further underscores a consumer 's right to opt out at any time from reporting services. Their failure to adhere to these standards indicates a breach of their obligations. In light of these documented violations, I am preparing to lodged a complaint with the Massachusetts State Attorney General 's office against Fair Collections and Out ; Fair Collections and Outsourcing for the violation of the Massachusetts Consumer Collection Practices Act. Legal redress is imperative to address Fair Collections and Out ; Fair Collections and Outsourcing 's unfair and deceptive practices, particularly the misrepresentation as an attorney 's office on my credit report. These actions not only infringe upon my rights but also necessitate the protection of the rights of numerous other consumers similarly affected. These actions violate my rights under the Fair Debt Collection Practices Act ( FDCPA ) .I have also sent by email the laws they have violated and have not heard any response regarding theyre in accuracies I urge your agency to promptly and accurately assess the information provided and cease any further unwarranted harassment. I am willing to cooperate within legal boundaries to resolve this matter, but I expect fair treatment and adherence to the established laws. Please acknowledge receipt of this letter and provide assurance of a timely resolution. Please Provide me with the Original contract of this Debt, I do not owe Fair Collections and OutSourcing, I never sign any contract with Fair Collection and Outsourcing.
01/11/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 334XX	Web
I ( XXXX XXXX ) am urgently seeking the assistance of the CFPB to help resolve a business dispute with a debt collector/collection agency called Fair Collections and Outsourcing ( FCO ), located at XXXX XXXX XXXX, # XXXX, XXXX, MD XXXX. They were hired by my prior lease mgmt company " XXXX XXXX '' ; whom I had entered into a repayment agreement with along with FCO after voluntary ending my lease 5 months earlier than scheduled. However, after collecting over {$700.00} in scheduled payments, FCO decided to return over {$600.00} in check payments that were being mailed and instead escalate the debt and report to the credit bureaus in violation of the repayment agreement and has thus caused irreparable harm to my credit and impacted my ability to secure credit. Background : On or about XX/XX/XXXX, I, XXXX XXXX, referred to as the consumer/customer entered into a mutually agreed re-payment agreement with the collection agency ( FCO ) to repay the amount totaling {$2300.00}, over a period of 25 payments of a minimum of $ 100 monthly as exhibited in " Exhibit 1 ''. The original debt was generated when the consumer ( XXXX XXXX ) terminated a residential lease 5 months prior to its scheduled end date. The consumer ( XXXX XXXX ) proceeded to honor the re-payment agreement with XXXX XXXX and FCO and effected monthly payments over several months totaling {$700.00}, which the original creditor ( XXXX XXXX ) and collection agency ( FCO ) both acknowledged and processed as evidenced in the debt validation letter " Exhibit 2 '' dated XX/XX/XXXX which showed a remaining balance as of XX/XX/XXXX of {$1700.00}. On or around XXXX of XXXX, the consumer XXXX XXXX XXXX ) noticed that check payments were suddenly being returned by the debt collector and learned shortly thereafter that the creditor would no longer accept payments in accordance with the prior mutual agreement, and was now seeking repayment in lumpsum. The consumer was shocked to learn this and reached out to the original creditor 's XXXX XXXX office at XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX to enquire about the original repayment agreement and was informed to just continue sending payments as i had been doing previously to " XXXX XXXX '' and they would forward to the new creditor ( FCO ). The consumer proceeded to continue to submit check payments from such time totaling a total of approx {$1300.00} in submitted payments to date as evidenced in " Exhibit 3 ''. Many of the checks were cashed by XXXX XXXX and FCO and several were not deposited and instead returned to the consumer seeking full payment. Copies of some of the subsequent refused payments which were not cashed and returned to the consumer can be seen as evidenced in " Exhibit 4 ''. Many of the subsequent check payments from XX/XX/XXXX through XX/XX/XXXX, were refused by FCO and the checks were returned to the consumer. Furthermore, the creditor ( FCO ) proceeded to escalate and report the entire remaining debt to the credit reporting bureaus as a " delinquent collections account '' ( Exhibit 5 ) which has subsequently reduced the consumers ' ( XXXX XXXX ) credit score & irreparably harmed his credit rating. The consumer ( XXXX XXXX ) views the creditors refusal to honor the original payment agreement dated XX/XX/XXXX as a breach of mutual agreement on their part and the further escalation and negative reporting to the credit reporting bureaus as a " capricious '' and retaliatory action and further failure of FCO to negotiate & conduct business in good faith. Additionally, the actions by the collection agency ( FCO ) in escalating this collection activity and reporting of a collections account on the consumers credit report has caused irreparable harm to the consumer 's credit rating status, credit score and resulted in financial injury/harm as a result of his inability to now secure credit on good terms. The consumer believes that the evidence provided here strongly proves that the consumer indeed attempted to honor the re-payment agreement and the debt collector instead chose to violate the terms of the agreement by returning checks which the consumer had already allotted for payment and escalated the debt which has harmed the consumer.
10/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OK 73110	Web
The identified transactions are not information relayed to any transaction by me as the consumer. FAIR COLLECTIONS & OUTSOURCING has violated my consumer rights. I am exercising my rights as a consumer. I do not know who this company is and I have no contract with them. I do not know how they got my location information, name, or SSN. This is a violation of FDCPA and Truth and lending. There is no verification of debt attached to this statement which came through the mail. This company has attacked my credit report and I do not authorize any false statements upon my credit report. It is damaging to me and public trust. I am federally and state protected consumer pursuant to 15 U.S. Code 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. In Fact Pursuant 18 U.S. Code 8 I the natural person I am not obligated by federal law to pay a debt FAIR COLLECTIONS & OUTSOURCING are in violation of my consumer rights pursuant to 15 U.S. Code Fair Debt Collection Practices Act ( FDCPA ), The Gramm-Leach-Bliley Act ( GLBA ),. Fact XXXX XXXX has violated Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.Code 1692b Acquisition of location information by acquiring my place of abode and not contacting me the consumer before. Fact FAIR COLLECTIONS & OUTSOURCING Violated Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.Code 1692c Communication in connection with debt collection ( a ) Communication with the consumer generally ; Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. Fact XXXX XXXX XXXX Violated Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.Code 1692d ( 1 ) Harassment or abuse ; The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. ( 4 ) The advertisement for sale of any debt to coerce payment of the debt. Fact FAIR COLLECTIONS & OUTSOURCING are in violation of Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692e False or misleading representations ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. Fact FAIR COLLECTIONS & OUTSOURCING In violation of Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section Fair Debt Collection Practices Act ( FDCPA ) 1692k of this title for failure to comply with a provision of this subchapter.
06/05/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	SC 295XX	Web	Older American
1. I cosigned a lease with XXXX XXXX, XXXX XXXX, SC, for my daughter after she XXXX from XXXX XXXX XXXX XXXX who had need of some credit support with her first job. During her stay, she had the misfortune of meeting another tenant who XXXX her and ended up in XXXX XXXX XXXX. ( for which she paid the damages ) When her lease ended, she opted to move from this complex and had a detailed conversation with the two managers in the office telling them of her intention to move, dates of physically moving, etc. there was no further discussion. Subsequently she received a bill for the following month 's rent because she did not complete a form with the info about her move date, etc. ( Keep in mind that the apartment was inspected, cleaned and readied for occupancy the weekend she left. ) 2. We questioned this since she had spent quite a bit of time in the office explaining her intentions to move, etc. The response was that " Company policy required that she fill out her request in writing and that was explained in her lease. '' They were indeed correct about that but I was quite upset that they did not remind her of that fact when she was in the office. Their response " She should have known '' 3. We were in the stage of negotiating with XXXX XXXX when our records were turned over to Fair Collections & Outsourcing collection agency, XXXX XXXX, XXXX XXXX, XXXX, MD XXXX ( XXXX ). I thought we were in continuing negotiations with FCO. Ultimately, I just gave up and paid the outstanding amount. 4.A month ago, in an effort to get our personal affairs in order, we were exploring a refinance on our personal property when this credit ding showed up on our credit report. I was flabbergasted and called FCO right away. I was assured that this matter had been paid. When I talked with the bank, however, I was advised that the matter was showing up on the credit report in spite of showing it paid ( and paid timely ). To my chagrin, I learned that the item needed to be removed from my report. I thought that would be no issue since it was paid and I had NEVER had the slightest negative action against my credit. I 'm XXXX years old and feel as if I 've fallen down the rabbit hole. 5. I talked with 3 representatives of FCO, all telling me that there is nothing they can do. They do not care what the facts of this case are and that they " Never delete anything ... .only add. '' That was " Company policy '' When I asked to speak to someone who had some input into Company policy, I was denied any names, phone numbers, etc. I received an email from the " Compliance Department '' reiterating that the item was legitimate and would remain on my credit report. No way to talk to a human being!! ( Each phone call was recorded. One name I remember was XXXX ) 6. I filed disputes with XXXX, XXXX, and XXXX. As you are aware, these disputes are all automated, with no human being touching the data. Needless to say, when sent out to FCO indicating there were discrepancies in the info upon which their decision had been based ( not a lot of room on the electronic form ), the investigation by the collection agency confirmed that this item was mine. Since there is no oversight power apparently with the credit reporting agencies, you are my last hope. Is this legal? Do collection agencies get extra money to NOT remove any item from a credit report.? IS there a way to remove a small ding such as this? This dispute has shown up on not only my credit but also my daughter 's who will have this on her credit for 7 years as well. How can we ever expect people to pull themselves up and overcome these types of negative assaults on their very characters! Am I stuck with this credit nightmare for seven years? ( if I 'm still alive in 7 years! ) Unfortunately, I tossed my email correspondence with the XXXX XXXX XXXX when I thought the matter was resolved. And I 'm quite certain they would no longer have anything pertaining to this since this must be a standard operating procedure for them as well as FCO
04/27/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33134	Web
On XXXX XXXX I received a call from FCO ( Fair Collections & Outsourcing. FCO informed me they were calling to collect a debit for XXXX XXXX. XXXX management is a management company in which I use to live on XXXX of their propertys about 4 years ago. I moved out of the property in XX/XX/XXXX. I sent an dispute email to both parties XXXX XXXX and FCO on XX/XX/XXXX and XXXX. It took two months to receive a response from FCO. FCO responded to my dispute on XXXX XXXX. FCO sent me a copy of a alleged ledger from XXXX XXXX and also a copy of their collection letter. After careful review of the alleged ledger from XXXX it is clear there is a misapplication of payments and fees applied to this ledger. The ledger that was provided by FCO includes bogus fees and duplication of check numbers applied to payments for two different years and dates. Please see the attached documents and findings of incorrect payments and fees, which has caused an issue of alleged money due. I had an eviction hearing for XX/XX/XXXX rent for an amount of {$2500.00}. My eviction was dismissed because I paid the monies due. I also moved out of the property in XXXX. I paid the early termination fee to break my lease. The first incident of discrepancy found on the ledger is balance due for parking fees and late fees. I never had a parking fee and it was not in my lease. If you review the ledger from start to finish the alleged parking fees were applied to months after I moved out in XX/XX/XXXX. There are also several late fees applied to months after I moved out in XX/XX/XXXX. My lease stated if early termination fee is paid they waive the right to seek additional rent beyond the month in which they retake possession. The second notice of discrepancies in the ledger is a check # XXXX. This check number was applied to a payment for {$800.00} on XX/XX/XXXX and the applied to another payment for {$4500.00} in XX/XX/XXXX. Note I moved out in XX/XX/XXXX and paid the fee to break my lease. If you notice on the ledger I also paid electronically ( EFT ) through the online rent portal or live check ( XXXX ). There is no notation of a live check or XXXX for these payments. Where is the payment information for the monies I paid for the XXXX payment and my payment to break my lease. There is only one noted payment for {$690.00} with regards payment type, in which this is showing as a live check ( XXXX ). If you look closely at this check # XXXX it is in reverse order of check # XXXX for XX/XX/XXXX, in which it is noted as a live check ( XXXX ). The third discrepancies found on this ledger is starting in XX/XX/XXXX, dates after I moved out in XX/XX/XXXX, there are utility charges for water and sewer for dates of XX/XX/XXXX thru XX/XX/XXXX. Same thing was done for the month of XX/XX/XXXX, dates after I moved out in XX/XX/XXXX. There are utility charges for water and sewer dates of XX/XX/XXXX thru XX/XX/XXXX. Also in XX/XX/XXXX, dates after I moved out in XX/XX/XXXX, there a utility charges for dates of XX/XX/XXXX thru XX/XX/XXXX and dates of XX/XX/XXXX thru XX/XX/XXXX. How do you bill for rent in XX/XX/XXXX and for utilities with dates of XX/XX/XXXX thru XX/XX/XXXX? Also bogus billing in XX/XX/XXXX for rent and utilities with dates of XX/XX/XXXX thru XX/XX/XXXX. And misapplied billing for rent in XX/XX/XXXX and also utilities with dates of XX/XX/XXXX thru XX/XX/XXXX and XX/XX/XXXX thru XX/XX/XXXX. This ledger provided by FCO is clearly inaccurate and bogusly readjusted to suggest money owed. FCO has been sued in the past for this same practice of collection violations. On XX/XX/XXXX, the Consumer Financial Protection Bureau issued a press release announcing it filed a proposed settlement agreement to resolve a major lawsuit against Fair Collections and Outsourcing ( FCO ). The settlement would require FCO to pay {$850000.00} and overhaul its policies and procedures. There are many more lawsuits against Fair Collections and Outsourcing, otherwise known as FCO Collections.
03/01/2022	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	DC 20011	Web
The company responded with a copy of the debt and spreadsheet history but did not submit the other information I requested. I have been disputing this for 3-years! Now, it is creating more hardship in this pandemic since I can NOT qualify for housing due to this being listed on my credit report. I sent the following letter to the Creditor. Date : Monday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX Fair Collections & Outsourcing XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD, XXXX To XXXX or Whom It May Concern : I am writing due to the negative marks youve made on my credit file. I would be willing to accept this debt if it were mine and upon Validation and Proof of Claim but its not mine and theres no way that you can validate it. I'm sure you are aware of the provisions of the Fair Debt Collection Practices Act ( FDCPA ) so let it be known that I am requesting full validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and that there is some contractual obligation which is binding on me to pay it. I request that you stop contacting me by telephone and restrict your contact with me to writing only, and only when you can provide adequate validation of this alleged debt. To refresh your memory on what constitutes legal validation, here is a list of the required documentation : Complete payment history, the requirement of which has been established by XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX ; XXXX XXXX. AXXXX XXXX XXXXXXXX. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe obtained directly from the Original Creditor. Date of Last Activity My full, complete and correct social security number that may help to identify me as the correct person you are trying to collect from. Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim I owe. Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) that was presented to you at the time of incurring this debt. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX Services, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where at issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. Proof that this debt has not been written off as a tax liability. Any other intimate knowledge of the creation of the debt by you, the collection agency. I'm sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until this debt is validated. You should be made aware that in XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ), the court ruled that reporting a collection account is, indeed, considered collection activity. You should also note that this is not a request for Partial Validation but rather, its a request for EVERYTHING listed here in order to constitute full and sufficient validation of this debt. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA and other statutes. I look forward to an uneventful resolution of this matter. Sincerely, XXXX XXXX
08/10/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29577	Web
My wife and I had to Pull personal credit reports due to trying to buy a house or even rent and continued to be denied due to new debt in amount of {$3400.00}. When were fe and I pulled 3 bureau from FICO we Found Fair credit and Out XXXX with a partial account # on credit reports for {$3400.00}. Called to get online access to view what the account was for and some kind of verification/validation of the debt. The lady my wife spoke with asked for basic information and to verify who she was. My wife had me record the call on video to ensure she could reposted later or provide for documentation purposes if needed. The agent provided us with a username- which was ( XXXX ) and then a pin that was 4 numbers ( XXXX ). She then stated it was a debt for XXXX XXXX and ends the call. My wife logged in online and there was no direct information In regards to the debt at first it was personal information that was listed to identify the owner of the debt, which was only my wifes information some of the information was her personal information but then she noticed addresses that were not hers or mine from current or past residence in Indiana and have never been mine, along with other mis information like multiple phone numbers not hers or mine which I personally know we have maintained having the same cell numbers since XXXX. My wife tried to find a place to update the information but all the site tried to do was force her to agree that the information was correct and she didnt have an option to even update my information as it only showed her on the debt even though both our credit reports have listed as joint debt to this company. Beyond that page there was a page that showed the same basic info debt {$3400.00} and account # which was the numbers wife was given as the acct username. Since my kids, wife and myself are homeless we have tried finding more detailed information, options to settle or setup payment arrangements but there was just an option to pay the debt. No charge descriptions beyond XXXX. My wifes call and subsequent login was XXXX XXXX. Ive received no letters by mail neither hs my wife and we hve a postal box established and usps has verified and our mail goes to it, it also is on our credit reports so we know we are listed and able to receive mail at it and no one has contacted by phone even prior to our call from Fair Credit and Out. This debt on our reports is causing my family to continue being homeless. We did record my wifes phone call on video to ensure I /shewas able to verify info. As well as recorded myself and her logging in. On XXXX XXXX she attempted to login using the same information as this is the only debt currently being stated as a block for my family being approved to rent, the login doesnt work, so we recorded her and I attempting to login from her cell phone and being denied access and then same issue from my device as well as we attempted from a computer and it states the account information is incorrect. We both rechecked our credit reports and they still show Fco ( XXXX name of agency ), XXXX ( XXXX agency name listed ), and Fair Collections & Out ( XXXX agency listed ) last updated balance date XX/XX/XXXX still showing {$3400.00} So I dont understand how my login I was provided is inaccurate. Im also unable to have addresses that arent mine dispute and removed with credit bureaus due to them stating tied to the collection account for this company so its creating a fraud trigger or unverifiable identity with landlords and such. I was directly denied a rental house on XXXX XXXX and ithey stated this debt was too new and being in collections for a rental company. I have never and my wife has never rented from FCO or fair credit and out and we do not have any letters or communications received let alone contracts or collection notices that were even sent to be able to dispute the debt or vealidate it.
09/19/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 33161	Web
To : XXXX FAIR COLLECTIONS AND OUTSOURCING XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT. XXXX XXXX XXXX, you are furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, reputation, general way of life, and my ability to obtain credit for personal and housing purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Duty : A moral or legal obligation ; a responsibility Accurate : Correct in all details ; exact. PROHIBITION : A law or regulation forbidding something As defined by the IRS : Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge-off as Gross or Ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account inaccurate! By definition, the IRS clearly states that a Canceled or Charged-off debt is Income. Reporting this account as a debt is inaccurate. 15 USC 1681s-2 states that you, XXXX company , are a furnisher of information to a consumer reporting agency. YOU ARE PROHIBITED BY LAW from furnishing inaccurate information. I demand you Cease and Desist the reporting of incorrect/inaccurate information immediately. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. You are hereby put on NOTICE that you are furnishing incorrect, inaccurate information. The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1. The above paragraph is taken directly from the IRS publication. SEND MY FORM 1099-C that you should have sent when you FILED the account as a canceled debt. My Address is listed below! 15 U.S. Code 1681s-2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, and the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. In conclusion, I have shown you, and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law, 15 USC 1681s-2, of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report. YOU HAVE 10 Calendar days to DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS!
01/08/2024	Yes	Debt collection Rental debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60439	Web
I hereby submit a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXX XXXX XXXX XXXX and Fair Collections and Outsourcing for the inaccurate reporting of my account number XXXX. In XX/XX/XXXX, I initiated divorce proceedings in XXXX XXXX from my XXXX ex-husband. In XX/XX/XXXX, my son and I sought refuge at XXXX of the units for rent at XXXX XXXX XXXX, having fled with only the clothes on our backs due to the XXXX circumstances. At that time, I was employed as a XXXX at XXXX XXXX. Unfortunately, my ex-husband 's XXXX XXXX XXXX behavior led to my denial of access to our marital funds, credit cards, bank accounts, and 401K/IRA accounts , which he unlawfully withheld. After being cut off from my investments and marital funds, I informed the manager, XXXX XXXX, at XXXX XXXX XXXX about my divorce proceedings. I kept her updated on when I would receive emergency funds to ensure the timely payment of my account. I provided documentation from my attorneys, including the emergency divorce proceedings and email correspondence, to support my claims. XXXX XXXX assured me that XXXX XXXX XXXX XXXX would not send me to collections for the outstanding balance and that I could settle the amount owed once I received the emergency funds, without being unjustly placed into collections. However, in XX/XX/XXXX, I was wrongfully placed into collections, resulting in severe damage to my credit. Multiple representatives from Fair Collections and Outsourcing confirmed that, due to the account 's association with divorce proceedings, it would be promptly removed from my credit report upon payment. Despite having paid the account in full over XXXX years ago, it remains on my credit report. This negative account has hindered my ability to secure a mortgage and obtain auto financing as I sought to rebuild my life for myself and my XXXX. I demand that all XXXX credit bureaus as well as the CFPB thoroughly investigate and remove this inaccurate and defamatory entry from my credit report. Failure to do so will result in legal action by my attorney. I intend to file a lawsuit against Fair Collections and Outsourcing, as well as XXXX XXXX XXXX XXXX XXXX , seeking damages for the harm caused to my personal credit, as well as punitive and emotional damages suffered by my XXXX. I possess documentation and correspondence between myself and XXXX XXXX, the manager of XXXX XXXX XXXX XXXX XXXX which substantiates incidents such as my XXXX XXXX XXXX XXXX XXXX XXXX outside of our residence and the theft of numerous items from my vehicle by Section 8 residents. When I requested information and correspondence through XXXX XXXX XXXX XXXX XXXX via email I was informed they switched management and there was no electronic correspondence kept during the transition to the new management company which is unacceptable and a massive violation of my consumer rights and the FCRA . Furthermore, I have been made aware that the CFPB, FTC, and FBI are taking action against Fair Collections and Outsourcing for unjustly placing individuals into collections. I have attached an article that directly relates to my situation. Despite numerous requests in the past, I have not received satisfactory responses or documentation from Fair Collections and Outsourcing or XXXX XXXX XXXX XXXX XXXX Responses have included claims that the account was " verified as accurate, '' that XXXX XXXX XXXX XXXX has no record of my account due to management changes, furthermore the investigation exceeded the XXXX time frame, which violates the Fair Credit Reporting Act and my consumer rights and the account should be immediately removed from my credit report. Once again, I demand the immediate removal of account number XXXX from my credit reports, as its presence is a direct violation of the Fair Credit Reporting Act.
11/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 92173	Web
XX/XX/XXXX I move to a property on XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX and moved out my stuff on XX/XX/XXXX when someone from this company where able to pick up the house keys from me, by the time that I move on XX/XX/XXXX I have to give to my landlord XX/XX/XXXX which is the first and last month plus almost XXXX XXXX more for me to moving in 4 days before moving day, until there where where fine. After I move to the property on XX/XX/XXXX I start taking to my neighbors about the previous tenant and they told me that previous tenant moved out because the house was infested by termite and rats and days before I moved pets controls companies removed a cover that was covering the all house for like a month to remove all termine and rats. Then about 2 month after I moved in I start hearing noises at night on the attic and all over the house, and one day when I woke up I saw a mice in the kitchen, them right away I contact the landlord telling the situation and they said there is nothing that they ca n't do because I am the one that have to take care the mice issue. Me and my wife went to XXXX that same day and we bought a lot of things to kills the rat and we kill a lot but start getting worst, the house was smelling so bad because the dead rats. Then we contact back again the landlord after 6 month and I said I do n't care if you do n't take care this issue I will move out. Them they step on it and they did me an appointment with pet control, so pet control show up days later and start working on the rats, they capture some and we did too on our side, but things start getting worst so pet control where coming a lot of times, and my landlord get to a point they said where spending too much money in this, but I keep fighting about the same for months because rats start running everywhere day time or nighttime around us and we saw them in our bed more than 3 times but it get to a point that on XX/XX/XXXX my wife and my XXXX XXXX moved out from the house when we saw a mice waking on the baby bed and she sleeping in the bed and I contact the landlord saying I was leaving that I wo n't take any more XXXX that I already where losing my family because this, and they said well if you moved out we will keep the XXXX dollars of deposit and we will charge you a penalty for moving without 60 days notification, I fight with them about it and they said we will report it to a collection and it will mess your credit. So I told them before you do that you have to bring me to court to solve this and you can make sure that I would have money I would bring you to court. So they sent someone and I gave them back the house 1 year exact, but like then wanted to steal my deposit and charge me more I left my things inside until the last day. So when I left the property they keep my deposit because I lived it and apparently charge me for those 60 days that they said like XXXX dollars and I notice that because my credit report came to me. Collection company name is FAIR COLLECTION & O with address XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX and phone XXXX and landlord have change their name in the last year 3 times name XXXX XXXX XXXX XXXX, name XXXX XXXX XXXX and now XXXX XXXX XXXX with address XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX with phone XXXX. I went to google to see if there is other complain over XXXX and there is a lot with XXXX star from XXXX star. Colony never contact me calling by phone or email like they always did when I was a tenant. What can I do to solve this and remove from my credit report this unfair debt because I do n't own them anything. I did open a dispute with XXXX and XXXX. And XXXX always charge the rent late cashing the checks to charge me XXXX dollars for late payments. I sent XX/XX/XXXX some papers to the collection agency
12/21/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 91911	Web
I moved in XXXX XXXX XXXX in XXXX XXXX on XX/XX/XXXX. This was a Roommate situation where I moved in with XXXX XXXX. The address for the apartment is XXXX XXXX XXXX XXXX XXXX California XXXX. XXXX had already lived in the Apartment and I was adding on to his lease. By the XX/XX/XXXX, I had informed the front desk staff that leaving with XXXX will not be a safe environment for me and my dog. I had told the staff that he had called me the XXXX XXXX and I need to be placed into my own apartment. I had told the staff I was willing to sign a new lease and pay a new deposit. The front desk staff told me that I needed to work it out with XXXX and they do not get involved with Roommate disputes. Unknown to me, XXXX also had a runaway female living with him which I informed the front desk staff about. A week later, I made a second attempt to move out into my own apartment within XXXX XXXX in which the front desk staff told me there was nothing they are willing to do and I needed to work it out with my roommate. I told them, I don't feel safe living in that environment in which they did nothing. I had informed them if XXXX continues with this unsafe environment of harassment towards me that things will not end well for him. They informed me once again that they do not get involved with roommate disputes nor will they place me into a new apartment. On XX/XX/XXXX, Me and my dog came home to an intoxicated XXXX XXXX. He became biligerant towards me, spray me and my dog with water, called me the XXXX XXXX and called the cops on me. I was literally in the house for 5 mins. After the cops left, I went back to the front desk and demanded them to place me into a new apartment, which I was then told by the property manager that it is best for me to move out but he was still unwilling to place me into a new apartment. For the next 2 days, I stayed secluded in my roommate and tried my best to ignore XXXX. On XXXX Morning at about XXXX XXXX. XXXX XXXX came bursting in my room, grabbed my dog by her next and threatened to throw her out of the apartment. At this point, I was fed up with his antics and defended my dog. A neighbor called the cops and XXXX was arrested and I filed a Police report with the XXXX XXXX Police Department Downtown division. The next morning, I once again went down to the office and told them, I need a new apartment and your negligence is why the events that happened, happened. They told me, that they are vacating our lease that went into effect XX/XX/XXXX and we needed to move out. I moved out on XX/XX/XXXX. XXXX XXXX didnt move out until XX/XX/XXXX. When I moved out, I was informed by the Property Manager that I was moving out with a XXXX Balance because of the circumstances and the fact that I lived there for less than a month. A few months later, I received a bill for {$11000.00} for the entire year of the lease plus any damages to the apartment cause by XXXX who lived in that apartment for 2 years. When I called the office about the bill and why I have a bill, they told me its because I moved out before the lease was complete and that I owe this money. If anything they owe me for my pain and suffering and negligence. Because of their negligence, I had to sleep on a couch for 3 months until I got enough money together to find another apartment. I had tried numerous times to reach out to XXXX XXXX XXXX as well as their Parent company XXXX XXXX in which nothing is accomplished. I have also disputed this bill on my credit report because they have placed this bill into collections and it is preventing me from purchasing a home. Please I don't know what else I need to do because I do not feel I owe them anything.
08/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19143	Web
NOTICE AND DEMAND FOR CEASE AND DESIST FOR ACCOUNT # XXXX To Whom It May Concern : I have asked you to validate the alleged debt that you claim that I owe, and all you have provided me are statements and signatures to an account that you can not prove is mine. You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) - Failure to validate this alleged debt. I refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt. 15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. If proper validation of this alleged debt is not provided within 30 calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account. Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt. FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall -- ( 1 ) in the case of an action to enforce an interest in real property securing the consumer 's obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity -- ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such a consumer resides at the commencement of the action. ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. By the way, if you ever decide to turn this alleged debt over to an attorney to collect and violate my rights under the FDCPA 15USC 1692 even further, just keep in mind that an attorney can not be a debt collector and a debt collector can not be an attorney. FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney. With all that was said above, for each VIOLATION of the FDCPA that you have committed I am entitled to {$1000.00} per violation. You dont believe me? Ok, let me show you what the law says : FDCPA 813 [ 15 USC 1692k ] Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such a person as a result of such failure. ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. Your Options are as follows : Delete this account and cease and desist with all collection activities. Settlement ; or We go to court and you incur lawyer fees, plus pay me {$1000.00} per violation along with more in damages.
11/15/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	CA 941XX	Web
Subject : Dispute of Inaccurate Credit Information - Accounts XXXX and XXXX with Fair Collections To Whom It May Concern, I am writing to formally dispute inaccurate information that Credit Bureaus reported on my credit report. I recently obtained a copy of my credit report, and after careful review, I have identified several discrepancies that require your urgent attention and correction. Account Information : Creditor Name : Fair Collections & Outsourcing Account Number ( s ) : XXXX & XXXX Inaccurate Information : The rental agency added disputed amounts to my credit report and have refused to solve the matter through small claims court. Date of Inaccuracy : XX/XX/2023 The inaccuracies I am disputing are related to the account with the creditor Fair Collection and Out and account number XXXX and XXXX. The details of the inaccuracies are as follows : 1. The Original Amount Owed For ( XXXX ) : Incorrect Original Amount : {$1000.00} Correct Original Amount : {$440.00} 2. The Original Amount Owed For ( XXXX ) : Incorrect Original Amount : {$1600.00} Correct Original Amount : {$220.00} Explanation of Dispute : I have experienced a distressing situation surrounding the accounts in question. For XXXX, I relocated within the same apartment complex, and it was agreed that my security deposit balance would be applied to my outstanding charges. However, the management erroneously treated these charges as disputed charges, leading to the addition of fines and a doubling of the bill amounting to {$1000.00}. For XXXX, I had disputed the non-rent charges against the landlord and asked them to go through legal process but they have used my ssn to put a debt against me that i had never agreed to pay or availed. I escalated to creditors, they told over phone that the account is under investigation but they have not got back to me and have not replied to me. They even split the disputed accounts into two loan accounts and created another charge of XXXX $ against me. Despite my attempts to address this matter, the situation escalated unnecessarily. I suggested that any non-rent charges be resolved through a small claims court process, but the management bypassed this and forwarded the matter to a collections agency. This unfortunate decision severely affected my financial stability, as the collections agency utilized my Social Security Number to pursue this issue, causing substantial disruption. I initially communicated with the creditors to express my concerns and request a reevaluation of the disputed amount. While they indicated their intention to investigate, they have remained unresponsive to my emails for over a month. My Rights and Request for Action : I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), which empowers me to ensure the accuracy of the information on my credit report. I respectfully request that XXXX undertake a thorough investigation into this matter and take prompt actions to rectify the inaccurate information within the stipulated 30-day period, as mandated by the FCRA. I also request written confirmation of the receipt of this dispute letter and updates on the progress of the investigation. I have enclosed supporting documentation, including copies of my correspondence with the management and creditors, which provide evidence of the inaccuracies and the steps I have taken to resolve them. I genuinely appreciate your immediate attention to this issue and your cooperation in resolving the discrepancies on my credit report. Thank you for your assistance in rectifying this matter and helping me restore the accuracy and integrity of my credit history. Sincerely, XXXX XXXX
10/14/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30518	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX FAIR COLLECTIONS & OUT XXXX XXXX XXXX XXXX XXXX, MDXXXX RE : Collection account : XXXX ( {$310.00} ) To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that couldA be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX.
02/23/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO 802XX	Web
This letter was in response to your recent claim regarding account # XXXX, which they claim that ( I owe XXXX XXXX {$5800.00} ). Which I never resided at XXXX XXXX and they failed to provide me with a copy of any viable evidence, bearing my written signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature I requested. I formally requested a copy of any documents, bearing my signature ( not a computer-generated signature that any office girl can produce from any computer, showing that I have a legally binding contractual obligation to pay you the alleged amount. An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. Details about the age and amount of the debt including a copy of the last billing statement canceled checks, invoices from the original creditor, pictures of alleged damages to property ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent, Proof a damages to alleged property ( pictures of the complete property inside and out with damages date stamped. ) Whether this debt is within the statute of limitations and how that was determined. Details about your authority to collect this debt including the state of GA : whether you are licensed in my state and if so, provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. I am demanding all collection activity removed from all three-credit bureau and you have provided all the information requested and until proof has been sent for review. I need more details about what you claim I owe so that I can make an informed decision. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting I stated to them. 14 I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act 4. ) Complaint to CFPD will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
03/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TX 78613	Web
This complaint is against Fair Collections and Outsourcing XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, The XXXX at XXXX XXXX XXXX, managed by XXXX XXXX XXXX : On XXXX/XXXX/XXXX, I rented an Apartment then managed by XXXX XXXX, XXXX XXXX XXXX XXXX, in XXXX, XXXX. In XXXX XXXX, due to unforeseen life events, I was forced to take care of a parent that constituted me to move out of the complex before the lease expiration in XXXX XXXX. Per the contractual obligation, I provided a 30 day notice to XXXX XXXX. I paid the rent for XX/XX/XXXX and XX/XX/XXXX. Even though I fulfilled my part of the obligation, XXXX XXXX without disclosing forfeited the security deposit of {$1000.00} in addition to the full rent in the amount of {$2100.00} In or around XXXX of XXXX, without my knowledge, XXXX XXXX contracted the collection agency and demanded yet another {$2700.00}, but did not give a reason and or sent any written correspondence. Based on FDCPA and FCRA guidelines, XXXX XXXX, failed to notify me within 30 days of the action they had taken. There was also no communication from Fair Collections and Outsourcing. I became aware of this collection item XX/XX/XXXX, when I attempted to rent an apartment in XXXX, XXXX After doing much due diligence I discovered there was an amount of {$2700.00} being reported on my credit report. I immediately contacted the complex in XXXX, XXXX and spoke to the property manager XXXX XXXX. After doing her research, XXXX XXXX advised me that since the account was more than 4 years old, they have no information on the amount owed and were not able to furnish any supporting documentation. XXXX XXXX advised me that I need to contact the aforementioned collection agency and customer service for XXXX XXXX. ( XXXX properties who now manages the complex and took over all the financial obligations/portfolio managed by XXXX XXXX, has been unsuccessful to furnish any documentation ). I reached out to XXXX XXXX at XXXX properties on several occasions and did get a return phone call. I also reached out to Fair Collection and Outsourcing and spoke to a representative and specifically asked for supporting documents showing the validity of their demands. The agent was not able to provide me with any specifics, even though I advised him that the balance owed was not valid. He further stated that the only information he could share was the amount demanded by XXXX XXXX. This is a violation of SS 809. Validation of Debts [ 15 USC 1692g ], It is evident from my credit report that Fair Collections and XXXX XXXX failed to comply with FDCPA and FRCA regulations. Neither party can furnish supporting documents. The last update provided by the collection agency was on XXXX/XXXX/XXXX, even though I contacted the collection agency in XX/XX/XXXX, they did not make any effort to update my credit report, or make an effort in good faith to resolve my concerns. Desired Outcome : Based on the aforementioned facts, I hereby, within my rights seek that this inquiry be removed from my credit reports by the collection agency. Both XXXX XXXX and XXXX Collections are fined for blatantly violating FDCPA & FCRA laws. Not being able to furnish documents which generally have a retention requirement of 7 years. I further seek monetary compensation from XXXX properties for the forfeited security deposit in the amount of {$1000.00} Next steps : If XXXX is unable to resolve this matter amicably, I will move forward with an official complaint with XXXX State Attorney General for deceptive business practices and violations of the XXXX Business & Professions codes. Thank you for your time and attention to this matter.
02/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL XXXXX	Web
I am trying to buy a house. two mortgage companies and a highly esteemed credit repairing company both tell me I need to get the negative item off my report because 1 ) {$0.00} balance 2 ) Fully Settled. Then i got bounced between Credit Reporting Agency and a " slimy '' collection agency, XXXX, that say they can't delete the item even though its settled and the only Collections Item on my report, however it also " implies '' I was either late on the rent or didn't pay it altogether! Which is 100 % false ... ..I had to leave early of the 2nd lease at XXXX XXXX , XXXX XXXX XXXX XXXX due to two fires in a month. At the time I was watched by a XXXX XXXX, I had 50 % custody or a minor child and still in a XXXX XXXX year divorce case in XXXX XXXX , Florida ... The collections company laughs when i call them, they just keep changing the seven year date when it falls off, saying it's company policy not to delete. Today after speaking to their Property Manager, who put me into collections in the first place, said she spoke to them and getting it deleted off my reports is another process. What Process? XXXX is playing games, the Collection Company and the parent company, XXXX XXXX XXXX had this to say, '' XXXX XXXX, My name is XXXX XXXX. I am the Senior Vice President with XXXX XXXX XXXX. I oversee the Florida XXXX for the company. We have received your communication about the difficult position you are in regarding your credit report. We can understand your frustration. I looked into the situation. XXXX updated your credit report to reflect a paid as agreed with a zero balance. The collection line item will remain showing since it was indeed a collection. It will and should already show that it was paid. We see credit reports often with this status. It is up to the company reviewing for credit risk to determine if they want to accept your application or not. The reporting that XXXX and XXXX did was accurate and is still accurate. You paid XXXX a settlement of your debt. You should be able to provide the letter you attached to anyone you are applying to for new credit. Again, however, it is their decision to approve or deny your request. I can confirm that of the 14 months you resided in our community, you paid as agreed all 14 months. We certainly appreciate your on time payments. If it will help, we are always willing to provide a residency verification for your with your signed written approval. Please let us know if we can assist with any further verifications of your residency with XXXX. Thank you XXXX XXXX Senior Vice President XXXX XXXX XXXX Email : XXXX '' * If what XXXX XXXX says is true, the collections company needs to also put that I paid my rent on time, every month as her email states as a company executive '', if not this clearly puts them in VIOLATION of the FCRA in terms of being accurate and fair to the letter of the law! Please have XXXX XXXX XXXX and XXXX XXXX have their collections vendor remove this inaccurate and unfair " negative '' account, if they can't counter with the truth on my report. They have had it on my profile for almost two years since I lived at XXXX XXXX, what would XXXX XXXX XXXX have to gain from leaving on my report, violating the very nature of the Fair Debt Reporting Act. Also let all 3 Reporting Agencies, XXXX, XXXX and XXXX know this is indeed in violation of my consumer rights under section 617 of the FCRA and must be corrected or moved, not just glossed over stating they have reported accurately under the FCRA, because without saying I paid my rent there ON TIME, EVERY TIME for NOT 1, but 2 Leases!
01/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34639	Web
As a consumer, I assert that Fair Collections and Out ; Fair Collections and Outsourcing has consistently violated my right to privacy, as protected by the Privacy Act of 1974. Fair Collections and Out ; Fair Collections and Outsourcing, through its various iterations, has reported negative information on my credit report without my authorization, contravening the Fair Credit Reporting Act ( FCRA ), as explicitly outlined in 15 USC 1681 section 602a. This section of the FCRA emphasizes the imperative for consumer reporting agencies to discharge their responsibilities with fairness, impartiality, and due regard for consumer privacy, stating, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Pursuant to 15 USC 6801, I, as the consumer, retain the right to ensure that my private information is not disseminated without explicit consent. Fair Collections and Out ; Fair Collections and Outsourcing, recognized as a financial institution under the same title, is subject to 15 USC 1681 section 604a section 2, which explicitly states, " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' In this specific case, neither Fair Collections and Out ; Fair Collections and Outsourcing nor XXXX, a consumer reporting agency, possesses my written consent to furnish this information, rendering their actions unlawful. I hereby unequivocally revoke any and all consent previously granted to XXXX and Fair Collections and Out ; Fair Collections and Outsourcing, whether such consent was verbal, nonverbal, written, implied, or otherwise. Additionally, it is noteworthy that Fair Collections and Out ; Fair Collections and Outsourcing and XXXX neglected to apprise me of my right to exercise the nondisclosure option, exacerbating their non-compliance with relevant laws. Furthermore, the inclusion of this adverse item in my credit report by Fair Collections and Outsourcing runs afoul of 15 USC 1681C ( a ) ( 5 ), which explicitly states, " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' XXXX, as a consumer reporting agency, is duty-bound to uphold reasonable procedures designed to avoid such violations, as mandated by the requirements delineated in 15 USC 1681b . Additionally, 12 CFR 1016.7 further underscores a consumer 's right to opt out at any time from reporting services. Their failure to adhere to these standards indicates a breach of their obligations. In light of these documented violations, I have formally lodged a complaint with the Florida State Attorney General 's office against Fair Collections and Out ; Fair Collections and Outsourcing for the violation of the Florida Consumer Collection Practices Act. Legal redress is imperative to address Fair Collections and Out ; Fair Collections and Outsourcing 's unfair and deceptive practices, particularly the misrepresentation as an attorney 's office on my credit report. These actions not only infringe upon my rights but also necessitate the protection of the rights of numerous other consumers similarly affected.
08/08/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20721	Web
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Ac t, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " ver ification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Sincerely XXXX, XXXX 1. Name and address of alleged creditor. 2. Name on file of alleged debtor. 3. Alleged account # 4. Address on file for alleged debtor. 5. Alleged account # 6. Am ount of alleged debt. 7. Date ( this alleged debt became payable ). 8. Date of original charge or delinquency. 9. Was this debt assigned to a debt collector or purchased? 10. Amount paid if debt was purchased. 11. Commission for debt if collection efforts are successful. Please attach copies of the following : Agreement with your client that grants Fair Collections & Outsourcing, the authority to collect this alleged debt. Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector. Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. All statements while this account was open. Have any insurance claims been made by any creditor regarding this account? __Yes XXXX_No Have any judgements been obtained by any creditor regarding this account? __Yes __No Please provide the name and address of the bonding agent for Fair Collections & Outsourcing , in case legal action becomes necessary : Authorized Signature of Creditor : Date : You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter. Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
06/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	IL 60827	Web
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.
11/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	TX XXXXX	Web	Servicemember
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,
06/02/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77320	Web
I XXXX XXXX am a person, non-adverse, non-belligerent, non- combatant party and executer with full life. I am in possession of my credit reports with your voluntary submission of alleged account in question. As you keep reporting the alleged account verified and accurate. I herby dispute this alleged account in its entirety and request the removal of it from my consumer report. This letter also constitutes as a cease and desist, for you Fair Collections & Outsourcing to stop all attempts at collecting this alleged debt owed to you. This letter is addressing XXXX, XXXX, XXXX and you the direct data furnisher of this subterfuge. Fair Collections & Outsourcing must herein provide a true and certified original copy of the complete audit trail under penalties of perjury of said account, pursuant to 15 USC 1692g of FDCPA. Furthermore in order for Fair Collections & Outsourcing to validate this debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P, IFRS, in accordance with BASEL3 and U.N.C.I.T.R.A.L. Conventions. I will also need a certified copy of the original contract with my wet ink signature between me and Fair Collections & Outsourcing. Providing that Fair Collections & Outsourcing is the holder in due course of the original debt contract and a certified original copy of your Tax Registration Certificate. I also request the following documentations listed bellow to be certified and sent with your response. Full accounting for this account Copy of the assignment of purchase from the creditor Every charge and what was purchased, fees, payment, credit, interest paid ) How you calculated what you claim I owe Full chain of assignment from charge off to present Proof that you own the debt with full clear title Proof that you were on the original contract All should be certified and presented to me with a certificate of testimony that the allege account is 100 % accurate and belonging to me. I also request certified testimony that your company, branches, and or offices were in full compliance with the FCRA and all of its mandated rules when it comes to reporting accurately. Please also provided certified testimony on how you validated this debt to all credit reporting agencies and any and all third party reporting agencies you have reported to. ( Fields v. Wilber Law Firm Coppola v. Arrow Financial Services ) ( 73 Am Jr. sect. 93 ) & Gearing v. Check Brokerage Corporation ) Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts If you can not provide me with each and every item listed above then you must remove this account from all three of credit reports immediately according to the FDCPA. If you verify this inaccuracy for the credit bureaus without providing me with all of said listed items you are in violation of the law, which carries a fine of {$1000.00} per violation. Any communications not received by certified mail under the Penalties Of Perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under Penalties Of Perjury, please settle this account immediately within ( 15 ) days. Notice To Agent notice to principal All Rights Reserved Without Prejudice U.C.C 1-308
11/07/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	FL 33067	Web
I've been disputing an inaccurate alleged debt on my credit reports from Fair Collections & Outsourcing with XXXX on and off for years to no avail. I gave up. Within the last 6 months, I've been denied credit and attempted to clean up my credit report again. I again disputed the information with XXXX, who again came back claiming the information was verified. I then requested a re-investigation specifically stating that I wanted every single piece of information they're reporting verified. I wrote a certified letter to the collection company requesting FULL VALIDATION and filed a complaint with CFPB. The results of the re-investigation from XXXX came back claiming the information was verified. In the meantime, the collection agency wrote to me stating after a review of my account, " their client submitted an adjustment '' to the balance. Yet, they've been trying to collect the wrong amount and reporting inaccurate information for 5 years ... and XXXX simply took their word and continued reporting it ... for 5 years. The collection agency failed to provide full validation. They report that they opened this account in XXXX of 2018 with an alleged balance of {$4000.00} despite my disputes with the credit bureaus. As a result of my direct dispute with the collection agency in XXXX of this year, they sent me a resident statement that is complicated and unclear showing an alleged balance of {$3600.00}. How and why was this company trying to collect and report an alleged balance of {$4000.00} for 5 years and why is MY investigation after I filed a CFPB complaint the only investigation that resulted in confirming that the information being reported was inaccurate? Also, where is the itemization that shows why they were reporting and collecting that figure in the first place? Did the original creditor give the collection agency the wrong information? Did the original creditor give the collection agency the correct figure, but the collection agency inflated the balance? The collection company has failed to fully validate the alleged debt and XXXX failed to fully investigate my disputes AND my request for a re-investigation. XXXX has reported different dates of first deliquency than XXXX for 5 years, which affects how long the alleged debt remains on my credit report. To clarify this, I requested the date of first deliquency alleged by the original creditor from the collection company, but they did not provide it. How, after several disputes and a request for re-investigation, can each XXXX still be reporting a conflicting conflicting date of first deliquency and balance due ... after 5 years? I am tired of dealing with this. The collection company and the credit bureaus have had plenty of opportunity to investigate, validate and confirm the information they were reporting, yet they all chose to disregard my disputes and continue to report inaccurate information. I am tired of spending my time, money and energy on empty procedures. I demand that the collection agency immediately stop reporting this alleged debt and that XXXX immediately remove it from my credit profile. I am prepared to take further legal action and continue filing complaints with the appropriate agencies. I have attached copies of letters, disputes and partial validation from the collection agency.
06/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CT 06902	Web
Fair Collections & Outsourcing has furnished a non-validated and false claim on my consumer credit report. Every time I contact them through the mail, all they do is ignore my requests. The only thing they provided was an illegible copy of a lease agreement which wasn't a trilateral contract and doesn't have anything to do with me. I told them to validate the {$8200.00} they have furnished on my report per 15 U.S. Code 1692g - Validation of debts ; What constitutes legal validation, and they refuse to do so. They failed to provide me with complete payment history, the requirement of which has been established by XXXX v XXXX, XXXX XXXX XXXX ; XXXX XXXX. App. XXXX XXXX. They failed to provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount they say I owe obtained directly from the Original Creditor. They failed to provide My full, complete and correct social security number that may help to identify me as the correct person they are trying to collect from. They failed to provide an agreement that bears the wet signature of the alleged debtor wherein he agreed to pay the original creditor. They failed to provide a trilateral contract in which I am bonded to them, them to The Edition, and The Edition to me. They failed to provide The obligation between them and I that allows them to collect on the alleged debt and any transactions between their company that binds me to an agreement to pay them any money that they claim I owe. They failed to provide Proof of photo identification ( i.e., driver 's license, state identification card, or other government-issued identification cards ) that was presented to them at the time of incurring this debt. They failed to provide a Letter of sale or assignment from the original creditor to your company. ( Agreement with their client that grants them the authority to collect this alleged debt. ) XXXX XXXX XXXX XXXX Services, XXXX, XXXX XXXX XXXX ( D.Conn., XXXX XXXX, XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where at issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. They Failed to provide proof that this debt has not been written off as a tax liability. They failed to provide any other intimate knowledge of the creation of the debt by themselves, the collection agency. Under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until this debt is validated, yet they failed to stop pursuing collection activity and put a blatant lie on my consumer credit report. They where made aware that in XXXX v. XXXX XXXX, XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX ), the court ruled that reporting a collection account is, indeed, considered collection activity. I MADE IT CLEAR that I was NOT requesting Partial Validation but rather, was requesting for EVERYTHING listed here in order to constitute full and sufficient validation of this debt. Which they have failed to do.
01/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 20747	Web
I XXXX XXXX has been violated of my consumer rights by Fair Collection & Outsourcing. Fair Collections & Outsourcings , Inc. is reporting fraudulent account on my credit file with the amount of {$5600.00} which is a violation of 15 USC 1692f ( 1 ) of the FDCPA. The Fair Debt Collection Practices Act ( FDCPA ) protects consumers like I Pursuant to 15 USC 1692a ( 3 ) consumer " means any natural person obligated or allegedly obligated to pay any debt. The Fair Debt Collection Practices Act is to protect consumer from abusive, deceptive, and unfair debt collection practices by many debt collectors. Pursuant to FDCPA 15 USC 1692b ( 2 ) debt collection Fair Collections & Outsourcings , Inc. is in violation of the FDCPA for stating that I the consumer owes any debt. Fair Collections & Outsourcings , Inc. is in violation of 15 USC 1692 ( b ) ( 5 ) and 15 USC 1692f ( 8 ) for using their symbols on mail that they sent to my residence that I didn't give them permission to send. Pursuant to 15 USC 1692c ( c ) of the FDCPA I refuse to pay the debt and request Fair Collections & Outsourcings , Inc. to cease all collection activities through all mediums immediately. Pursuant to 15 USC 1692c ( c ) ( 1 ) of the FDCPA terminate further collection activities. Pursuant to 15 USC 1692c ( c ) ( 2 ) of the FDCPA revoke my remedy for these violation committed against me the consumer by Fair Collections & Outsourcings, Inc the debt collector. Fair Collections & Outsourcings , Inc has harassed me by reporting this false and misleading information on my consumer report in violation of the FDCPA 15 USC 1692d ( 2 ) and 15 USC 1692e ( 4 ). Pursuant to the FDCPA 15 USC 1692g Fair Collections & Outsourcings , Inc must verify the the alleged debt.Provide breakdown of fees including how you calculated what you claim I owe. Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.Send me proof that you are licensed to collect debt in the my state.Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. Pursuant to 15 USC 1692g ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. Pursuant to 15 USC 1692j Fair Collections & Outsourcings , Inc is in violation for furnish deceptive forms knowing that furnishing this information on my credit file would create a false belief I the consumer in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Fair Collections & Outsourcings , Inc has failed to comply with the provisions of this subchapter with respect to me the consumer is liable for damages as the court may allow up to {$1000.00} each violation by Fair Collections & Outsourcings , Inc. Pursuant to 15 USC 1692I ( a ) The Federal Trade Commission shall be authorized to enforce compliance with this subchapter, a violation of this subchapter shall be deemed an unfair or deceptive act or practice in violation of that Federal Trade Commission Act.
06/17/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 12866	Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : FAIR COLLECTIONS & OUT ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX
05/24/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MD 212XX	Web
I had recently found out that a collections amount of {$680.00} was added onto my wifes & I credit report this past Saturday. This was new to us ; as we did not have any knowledge of the debt owed and we were not provided with any sort of written notice or telephone call stating that we owed money from the original collector or the Fair Collections and Outsourcing. We moved out of the apartment building in question ( XXXX ; XXXX XXXX XXXX XXXX in XXXX of XXXX. How are we just now being notified and why did the collections company not receive the request until XXXX XXXX? Then how come the XXXX did not notify us of debt owed until placing the debt onto our credit report? Something does not add up here I called the XXXX this afternoon and was told that the XXXX sent out two pieces of mail notifying us of debt owed. The original piece of mail was sent out on XX/XX/XXXX. I have a forwarding address set up with the United States Postal Service that began on XX/XX/XXXX. Any pieces of mail sent to us would have been forwarded to my new address. I also set up an Informed Delivery request with USPS to get digital pictures of my mail. As you can see from the picture titled XXXX ; no pieces of mail were sent to me on Wednesday, XX/XX/XXXX I checked all of the informed delivery emails ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) and there were no pieces of mail notifying me of a collections balance The agent from the XXXX said that the 2nd piece of mail was sent out on XX/XX/XXXX. Again, as you can see from screenshots taken from every single informed delivery email, no pieces of mail from the XXXX was ever sent to us. To reiterate, I set up an change of address with the post office & every single piece of mail going to my old apartment would have been forwarded to my new address and there would be records of it within Informed Delivery Emails. Nothing ever came suggesting fraud and dishonesty. The XXXX also did not reach out to me or my wife via telephone. If they had, we would not be in this situation. We only owe {$640.00}. That is not a large balance. So, the XXXX then placed a judgment of {$680.00} on our credit reports and that is how I found out about the debt. Two years later after moving out of the apartment building We're trying to get our credit fixed, because we have no issue paying a debt we owe. The issue is we were never notified of the debt until our credit report came out. No pieces of mail were ever sent out by the XXXX and we did not receive any sort of notification that debt was owed. Saying that two pieces of mail were sent out when they were not is fraud and dishonest. It is a violation of the Fair Debt Collection Practices Act. We also have an email between the apartment manager stating we need to see a bill. She wrote she would not send it to collections until we received a bill. As you can see in the email, we thanked her and never got a response until we got a notice from our credit report that there was an issue. She never sent us anything like she said she would in the email. I have attached screen shots of that correspondence. I have no issues with paying the money to get this taken care of. I do not want or need any drama. Please Help us!
09/01/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 34609	Web
I was living in this apartment and due to covid I was laid off. I had to move out of this apartment and was able to obtain government assistance to pay off the two months that I thought I was behind. Unfortunately I was wrong but the apartment complex would not accept my calls. XXXX is the assistant manager and I have her cell therefore we maintained communication and she I had advised her that I received an email from the assistance group that the checks had not been deposited. She stated that she did receive it and would apply it. Well I continue to advise to her that the amount that I was being billed did not show an accurate amount and after a year or so she finally called the credit company to change the amount. It was this year in XXXX of XXXX so actually almost two years. I asked her since she had taken this long of a time if they can please permit me to pay them directly and she stated that it would not be possible. Time went by I would call and no answer, leave messages and no call backs. Sent her a text and it was just her telling me to go to the credit company. In XXXX I had my credit pulled to purchase a home and they advised it was reporting two debts totaling over $ XXXX. I reached out to her again and she advised that she would take care of it of which we are just to get this handled. I called and called last week and they never returned my call. I went into the office to speak to the office manager and he advised that he already knew my answer before I could sit down. He stated that there was nothing that he can do that i just had to pay what it stated I owed. I advised to him that I had called a couple of times and did not receive a call back and he stated that he knew and also advised that he ignored my calls. He asked why i waited 2 year to want this handled and I advised to him that this was not new and that I had been in contact with XXXX via text and he became upset and asked why I was texting her. I told him that they don't answer calls and I needed this handled. He stated Thursday when I went in, that he would call them to follow up on the balance and get back to me and has not done so. I called back a couple of times and neither XXXX or the office manager have returned the call. He treated me so badly when I went into the office. He kept repeating himself that I just needed to pay the amount owed. I told him to give me the number of which he was not sure of, but he was not going to assist. I asked him why I never got an updated bill and given the opportunity to pay them directly he said it goes straight to credit and collections handles that. He said it would not be removed for 5 to 10 years. He also asked what I wanted, and I said I wanted the opportunity to pay directly outside of the collection 's agency and the negative incorrect information removed from my credit and he advised he could not help, but that he would call them to lower the price of the amount owed. I again advised ones again, my only concern was to pay and have the negative removed since they were reporting inaccurate information. He stated he would call me back that afternoon and as of today XXXX. no calls have been returned or any communication. The worst experience.
08/28/2017	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	NC 28027	Web
In XXXX, the company that purchased the property where I was residing, XXXX XXXX XXXX XXXX XXXX, Ca XXXX, was XXXX XXXX XXXX XXXX XXXX Homes XXXX. They sent their representative XXXX XXXX to my home to notify myself, and the other tenant, that our residence had been purchased at auction and that they wanted to inspect it. After the inspection was complete, XXXX XXXX advised me that the property could no longer be rented in it 's current condition. XXXX upgrades and safety repairs were needed to be completed prior to renting the property again. It was at that time I was offered the attached " XXXX for Surrender of XXXX in XXXX of XXXX ''. This agreement states that due to the short notice, NO RENT will be charged for the months of XXXX XXXX through XXXX XXXX, XXXX. In addition, I was offered {$1000.00} to vacate the property by XXXX XXXX, XXXX. I agreed and signed the attached agreement provided by XXXX XXXX, on XXXX XXXX, XXXX. I also provided XXXX with a copy of my California XXXX XXXX with a date stamp ( attached herein XXXX to provide to his employers. On XXXX XXXX, XXXX, the day that I surrendered the keys and vacated the premises, I was given a check for {$1000.00}. I received the attached letter dated XXXX XXXX, XXXX, from Fair Collections and Outsourcing of XXXX XXXX on behalf of XXXX XXXX XXXX to collect money allegedly owed. I contacted them right away and sent them a fax copy of the agreement. A representative told me not to worry about it, she would resolve it with the creditor. I heard nothing about it until recently, XXXX XXXX, whereas I attempted to apply for a home loan and it appeared on my credit report provided by my loan agent ( see attached ). I have sent another copy of the attached agreement on XXXX XXXX, XXXX to the XXXX Department XXXX XXXX XXXX and Outsourcing of XXXX XXXX and they stated that they forwarded my documentation provided to the creditor on the same day. I was also informed that the creditor would have XXXX calendar days to respond and if they did not receive a response then they would remove this from my credit report. In addition, I have asked for the documentation showing that I owe this debt and the representative simply stated that it is for the month XXXX XXXX rent but could not provide me any rental or lease agreement. I reminded her that I provided a letter of agreement to the contrary but she states that she will still have to discuss it with the creditor. To date, I still have not been provided any documentation showing I owe this debt. When I called today for status on this situation I was given the run-a-round and inconsistent information. The representative on the phone was unprofessional, rude, and was yelling at me. She states that she does not think that the 30 day rule applies to me as they have had this account for a very long time. Due to it 's nature, this XXXX negative reporting is disqualifying me from getting the assistance I need to purchase a home. I have received no assistance or good faith efforts from XXXX XXXX and XXXX to correct this issue and it feels as if they are strong arming me into paying a debt that I do n't owe in order to qualify to purchase a home.
02/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MD 21215	Web
I am filing a complaint against Fair Collections & Outsourcing located at XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX. FCO erroneously contends that I owe an outstanding balance of {$1200.00} to XXXX XXXX located in XXXX, Maryland. This apartment complex is owned by XXXX XXXX XXXX which is also known as XXXX XXXX XXXX. Three years ago, I resided in an apartment located at XXXX apartments. On XXXX XXXX, 2013, I submitted my 30 day notice to vacate. However, before turning in my notice to the rental manager, XXXX XXXX XXXX, I contacted the District Manager, XXXX XXXX. I had this conversation with XXXX XXXX because the 30 days carried over in to the month of XXXX because XXXX is a short month. XXXX XXXX explained that I just needed to pay the rent for the month of XXXX and the first two days in XXXX. So I followed his instructions and paid rent for XXXX, the first two days in XXXX, and utilities. After moving from XXXX XXXX, I decided to move to the XXXX, Maryland area and continue my college education. Unfortunately, when I began to apply for apartments, I was continually denied because of the false information that has been reported by Fair Collections & Outsourcing to all the credit bureaus and other reporting agencies. I had no idea that this act of injustice was done to me until I began application processes which resulted in quite embarrassing conversations with several rental managers. XXXX of which informed me that I would never be able to rent an apartment with this negative information attached to my name. I am unfairly suffering because of this debilitating situation. Furthermore, the only apartment I was able to secure is located in a very dangerous area of XXXX, Maryland. Sadly, I have been living in poor conditions without hope of procuring a suitable residence because of the blemish that Fair Collections & Outsourcing has erroneously reported. I have prepared copies of my signed lease from XXXX ( which states 30 day notice to vacate ), my letter to vacate, as well as the copies from money orders paid for my last month 's rent, my pro-rata fee for XXXX XXXX and XXXX of 2013, and utilities. Furthermore, I also did some research on XXXX XXXX XXXX to find out if others have experienced negative treatment from this company as well. Per the company 's website, they conduct business in several states throughout XXXX. The research that I took time to do revealed that this company has quite a questionable reputation. The rating of XXXX XXXX XXXX with the XXXX is low. In addition, there was a complaint made with the XXXX by a tenant who has had the same experience of being falsely accused of owing rent. In addition, the was a complaint posted on the website XXXX about XXXX XXXX in XXXX, Maryland. Lastly, I found information about a lawsuit filed in Nebraska against XXXX XXXX XXXX ; case number XXXX. The management company was found guilty in violations of specific laws concerning releasing military personnel from their lease agreements. In closing, I humbly ask that this false debt be removed from all the credit bureaus and any negative information that has been given to all other reporting agencies. Thank you for your time with this matter.
08/19/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MA 01604	Web
This complaint is based on FCOs multiple violations of the FDCPA, the FCRA and the Massachusetts Debt Collection Regulations ( MDCPA ). However, the CFPB website limited me to choose only one violation, where I chose the most relevant. I discovered a collection account reported by this debt collector after reviewing my credit reports. FCO reported that I owe {$2000.00} to an apartment complex. On XX/XX/XXXX, I sent FCO a demand for relief pursuant to Chapter 93A of the Massachusetts Consumer Protection Act. FCO received my letter via certified mail receipt number XXXX XXXX XXXX XXXX XXXX. My demand was based on FCOs violation of the MDCPA 940 CMR 7.07 ( 21 ) which states that it is an unfair or deceptive practice for a debt collector to report to a consumer reporting agency on its transactions or experiences with a debtor in a name other than that of the creditor. My letter also stated that by doing so, FCO had taken action that can not legally be taken, in violation of the FDCPA 15 USC 1692e ( 5 ) and that they employed false or deceptive means to collect a debt, in violation of the FDCPA 15 USC 1792e ( 10 ). I had demanded that FCO delete the unlawfully reported account from my credit reports. FCO ignored my demand and continued to report the account in their own name, in violation of the MDCPA and the FDCPA. My letter dated XX/XX/XXXX also included a request for validation of debt. On XX/XX/XXXX, FCO responded with insufficient validation of the debt ( and actual evidence that the debt they claimed I owe was in fact inaccurate ). FCO responded with the following : ( 1 ) An illegible copy of the lease agreement. Notwithstanding the indecipherable language on the agreement, it had expired back in XX/XX/XXXX. However, according to FCO, the alleged debt was incurred between XX/XX/XXXX and XX/XX/XXXX. ( 2 ) A document titled Statement of Deposit Detail. This statement reflects that I had moved out of the apartment on XX/XX/XXXX. However, the statement also reflected new rent charges and other fees that had been incurred on XX/XX/XXXX. Rent payments were billed in advance, not in arrears. Based on this document, I was billed for rent during the month after I had moved out of the apartment. ( 3 ) FCO failed to include proof of assignment of the debt that was requested in my letter dated XX/XX/XXXX. ( 4 ) FCO failed to include other documents I had requested that would validate the debt as required by the MDCPA and Massachusetts Residential Occupancy laws. On XX/XX/XXXX, I disputed the inaccurate and unsubstantiated account thru the consumer reporting agencies. My dispute was based on FCOs failure to validate the debt, and because they reported the account in their own name, in violation of the MDCPA 940 CMR 7.07 ( 21 ). On XX/XX/XXXX, I received notification from the consumer reporting agencies that FCO had falsely verified the account ( even though they failed to adequately validate the debt or report the account solely in the name of the creditor as required by the MDCPA ). By verifying both false and unlawfully reported information thru the consumer reporting agencies, FCO also violated the Fair Credit Reporting Act 15 USC 1681s-2 ( b ).
01/04/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 11101	Web
This is two prong collection complaint I have against Fair Collection and Out ( Fair Collections ) which is located ay XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. They are both rent related matters. Telephone number : XXXX XXXX In short, in 2016 I moved my family into the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX NY XXXX, It was a disaster from day one due to construction ( which they failed to notify me of ) and multiple issue that had great impact on my young daughters XXXX. It was a battle from day one and the building did nothing to help settle nor resolve the issues I was forced to leave and left with a rent debt that i believed we did not owe due to the circumstances. Simultaneously that year I was the guarantor of my mother XXXX XXXX lease at XXXX XXXX XXXX XXXX XXXX NY XXXX. Both buildings were owned by the same company. Unfortunately, in 2016 My mother XXXX XXXX and iI lost my job. As stated above, we moved out of the apartment ( and state ). The landlord sued me and my wife. I could not afford an attorney and could not represent myself properly. They took a judgment against me and my wife. From that point on, Fair Collections undertook an aggressive phone and mail campaign to collect the debt they claimed they purchased from the Landlord, Not only did Fair Collections harass me, they called relatives, forma work locations, my guarantor, family members, and any other person or locations they believed I was located. It was daily and constant, multiple times daily. It was awful. I desperately tried to negotiate and hold them off but to no avail. They simply would not listen and applied high pressure tactics. They threatened my apartment guarantor and harassed him ( and his family ) to the point were he paid {>= $1,000,000} to Fair Collections to leave him and his family alone and resolve his potential liability. Despite collecting {$15000.00}, Fair Collections continued the harassment. They hit mine and my wife 's credit ( and continue regularly ) for {$28000.00} for the purported XXXX XXXX debt and {$10000.00} for what they claim my XXXX mother owed. Of course our is destroyed and i am still out of work. I have called Fair Collections several times to try to negotiate to remove these debts but to no avail. Today I attempted again only to be told I could pay a total of {$22000.00} to resolve both debts. More importantly, the representative said that even if i paid they would not remove it from our credit reports but would simply mark the matter resolved for a lesser amount. I explained I simply did not have anything near that amount and was still out of work. I explained I had a friend who could lend me a few thousand to resolve the matter. I explained that the debts reporting is destroying our credit and not allowing my family to move forward. The agent simply said no and that they would continue to hit my credit ( as they just did this month ) I simply do not understand how they can continue to pursue debts that are improper, debts they have collected on already. debts they contuse to use to destroy our credit, and debts they will not reasonably try to resolve considering the circumstances.
01/19/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MA 02169	Web
I moved out of XXXX XXXX end of XX/XX/XXXX, and provided my brothers address as a forwarding address. The company did not have accurate balance for me to pay and assured me they would correct it so that I can make a payment. After a months it was still incorrect, as I frequently checked on the community portal. I was told that it's corrected that the balance would be subtracted from my security deposit and that the remaining balance would be sent to me via check. After some time I no longer had access to the portal to follow the balance and I shared this with the company. Soon after that I received a check at my brothers address and assumed the account was resolved considering that I received a security deposit refund. Months later without any bills, statement, or even communication from XXXX XXXX a derogatory reporting came up on my credit report. I contacted the office and was told that they would correct this. They never did and the reporting still remains on my account. I have a printout of our communication showing this unfair reporting was done unfairly. I was sent to collections and reported without ever being sent a bill or being given the opportunity to make a payment. After the reporting and learning what the true balance is I offered to pay it directly to XXXX XXXX as I felt that it was unfair to have to pay a collection agency for something I had no knowledge of but I was refused the opportunity to pay XXXX XXXX and I have been fighting this ever since. PLEASE HELP! I filed a complaint and the company responded to this complaint by falsifying information so i am filing a complaint again. XXXX. The company states that there was an error adjusted on XX/XX/XXXX I moved out on XX/XX/XXXX and already had received a refund in XX/XX/XXXX. I did not have access to the company portal nor did i receive any invoices regarding this adjustment or bill. XXXX. The creditor states that the consumer was informed of the amount due and advised to contact our office to make payment. This is not true Please see email conversation attached. XXXX. The creditor states that the consumer did not receive a security deposit back as she had not paid her XXXX rent so it went to the outstanding balance. This is not true Please see email stating that the balance was not my responsibility and also please see deposited security deposit refund attached. XXXX. The company states that On XX/XX/XXXX, our office mailed our initial letter to the consumer advising the account had been placed with our office. This is not true The collection agency did not have my address at this time. They only got my address after i disputed the account. XXXX. On XX/XX/XXXX, our office mailed our second letter to the consumer. Neither of these letters were mail returned. Our office did not report this account to the credit bureaus until XX/XX/XXXX. Also not true, my account was placed on collection with the credit bureaus since XXXX in which i disputed the account and that is how this company obtained contact information for me. By XX/XX/XXXX this account had been in collection with the collection agency for 3 months already.
02/07/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	VA 20147	Web
Original Creditor XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX Debit Collector : FCO Fair Collections and Outsourcing XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX -Tel ( XXXX ) XXXXFax XXXX Notice Date XX/XX/XXXX, Received on XX/XX/XXXX Contract : Move in date XX/XX/XXXX Lease Expiration Date XX/XX/XXXX Notice given date XX/XX/XXXX Moving out date XX/XX/XXXX Account Balance {$930.00} FCO agrees to Accept 50 % of this amount to close the A/C Dispute was registered on XXXX with XXXX XXXX XXXX concerning a Bugs issues on the rented apartment ( XXXXXXXX XXXX XXXX -XXXX-VA-XXXX ) before renewing the contract for the year XXXX where we suggested to the manager to transfer us for other apartment or controlling the bugs by inspector/s treatment for my family 's safety and health, first treatment was made but on XXXX@XXXX XXXX we complained again for the bugs and evidences that brought to the office, we decided for not renewing the lease contract, due to the failure by the office to control the Bugs, the office charged us {$420.00} to our account, after we left the lease ( XXXX ) send to us a complete statement where they claimed {$930.00}, in this account / statement ( XXXX ) charged us An acceleration of rent of {$740.00}, accordingly ( XXXX ) charged us unlawfully/ disputable the sum of ( $ XXXX {$740.00} ) = {$1100.00} + Our Security Deposit of {$400.00}, then our Total Credit should be {$1500.00} minus {$580.00} ( Paints/Key/Utilities /etc accordingly our Net Credit amount should be {$980.00} in favor to our account # XXXX instead of {$930.00} for the false claimed amount made by ( XXXX ) to their credit We Started communicated verbally and written on the above mentioned in and before XX/XX/XXXX before the notice date from XXXX ( XX/XX/XXXX ) and before the moving out date on XXXX. XXXX never resolved the above-mentioned issues ( Bugs and renewal the lease or to move out ) while we residence in the apartment to resolve the mentioned issues peacefully with satisfactions to the both parties. After ( 4 ) months!! XXXX without negotiations and direct settlements on XX/XX/XXXX sent the False claim of {$930.00} to the debit Collector FCO in spit that we informed them for not sending the false claim to any third party unless we failed to resolve our letter ( XX/XX/XXXX ) by court judgments and orders or lawful procedures. BUT XXXX they ignored our letters /notifications and take the law by their hands and keep putting our financial records in a difficulties for more than ( 3 ) years which ultimately affected on daily bases our records as the whole family of ( 6 ) members, with continuous Financial distresses that will lead us to complete bankruptcy and credit loans, Employments opportunities, new rentals home, mortgages, and on XX/XX/XXXX we have a total loses to our Vehicle ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to the Police crash report # XXXX dated XXXX XXXX in XXXX XXXX for the only car that we have with all proof and evidences during this hard time of Covid-19 and I am Unemployed for more than 10 months due to this situation all over the country
06/04/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 38116	Web
Last year in XX/XX/XXXX someone broke into my apartment with no sign of forced entry. No one had a key to my apartment but me and it was ironically the same day that their maintenance workers had to come to my apartment to fix something. I automatically assumed it was the maintenance worker considering the facts and the condition of my apartment. And I had been hearing from the neighbors that the maintenance people over there do that a lot. I spoke with the property manager and was informed I could break my lease. She told me I could move immediately or put in a 60 day notice which I chose to do to have time to find another apartment. I then filed a police report and a detective got involved and came to speak with everyone in the office. They then got mad and tried to find a reason to attempt to put me out. They had their lawyer first send me a letter saying I had 14 days to vacate the property for violating my lease, by causing a nuisance on the property, which never happened. I went and spoke with an attorney and was informed the letter was basically a threat and I did not have to vacate. I can let them take me to court and they would have to prove I violated my lease. Of course that never happened. I paid my rent for XX/XX/XXXX as stated in the 60 day notice I would be responsible for XX/XX/XXXX and XX/XX/XXXX rent. Then come XX/XX/XXXX, after still going back and forward with me about vacating the premises after their attorney sent me that letter, I attempted to pay XX/XX/XXXX rent. They blocked me from being able to pay my rent via XXXX XXXX and online. I immediately called the office and informed I was unable to pay my rent as I kept getting an error message. I saved the screen shot of the message I was getting as well as a copy of the XXXX XXXX I filled out to pay my rent. I was told by the assistant property manager, XXXX XXXX, that they could not except in money from me, they just wanted me to turn in my keys and vacate before the evict me through court. Again, I spoke with another attorney who informed me I did not have to vacate I could let them try to evict me through court. So on XX/XX/XXXX they come putting a late notice on my door saying my rent was late and if not paid immediately they would be taking me to court for possession of property. Needless to say that never happened either. I ended up turning my keys in and moving out at the end of XX/XX/XXXX which was the agreement anyway from my day notice. During this time I also was speaking back and forth with a lady named, XXXX XXXX from the corporate office who also told me since they turned the case over to their attorney they could not accept any more money from me and that all they wanted me to do was vacate their property. Upon leaving, I gave them my forwarded address and never receive anything from them regarding a court date, my security deposit or anything. Then about 2 months later I get a letter from the collection agency saying I owe {$710.00}. And like I stated before I have all the proof and evidence that I tried to pay for XX/XX/XXXX and they would not allow me and told me they didnt want it.
05/21/2015	Yes	Credit reporting	Credit reporting company's investigation Investigation took too long	UT 841XX	Web
My name is XXXX XXXX XXXX. From XX/XX/XXXX until XX/XX/XXXX I resided at an apartment complex run by XXXX called the XXXX in XXXX XXXX. My rent was always paid on time and I never had a complaint lodged against me as a tenant. I gave the required 30 day notice of intent to leave on XX/XX/XXXX in order to attend XXXX in XXXX in XX/XX/XXXX. On XXXX XXXX, I turned in my keys and gate card to the office and they issued me a release from any further contract obligation. A month later, the complex emailed me a bill for {$230.00} to paint the unit and empty garbage that was in the garage ( this was not emptied because the maintenance man was in a hurry to leave for the day and I had to give him the remaining key to the garage very quickly and forgot to take the garbage out before the garage door closed. The walls of the unit were patched and repainted the same white shade of paint before I left ( I borrowed paint from Maintenance ). The carpet was shampooed ( although, after 12 years, it usually would be replaced, but I take my shoes off at the door ). The new tenant moved in two days after we vacated. The credit bureau has a company called Fair Collections and Outsourcing - FCO that is reporting that I owe XXXX {$480.00} dollars ; I contacted XXXX and questioned their bill for {$230.00}. Their bill negates a deal that tenants got for 10 % of each monthly rent applied to a pot of money to be applied to closing costs for the purchase of a new home with certain builders ( {$120.00} x XXXX x XXXX = {$17000.00} ). FCO has refused to detail their bill with me and refused to remove it from my credit bureau for the last two years despite the difference of {$250.00} between their bill and that of XXXX. I continue to dispute this on all XXXX credit bureaus and they continue to tell me that it is a valid bill despite the fact that I have never seen the bill for {$480.00} and they are refusing to send to it me. Yesterday, I called FCO and offered to pay the {$480.00} in full if they would just remove the charge from my credit after I pay it ; they refused to do this. I have attempted to call XXXX and their XXXX offices do not answer the phones ( automated to voice mail ). In the meantime, the XXXX was sold to a different company ; XXXX appears to be having problems with their XXXX rental properties.There were days in this unit where I went without AC in the middle of the summer for several days, but I did not ask for a rent reduction. There was an incident where the complex allowed a moving XXXX to park next to my vehicle and the XXXX company side swiped my car. When I reported this to the office staff at the XXXX, they refused to give me the name of the owner of the moving XXXX to place a claim - damages to my car were {$490.00}. I did not make an big magilla over these issues because I knew it would not be resolved and would only cause hard feelings for the time I rented there. Now I am very upset about what has happened to my credit on this and am frustrated that FCO will not even give me a copy of their bill from XXXX that they are reporting as delinquent for me.
06/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	PA 19103	Web	Servicemember
I have reporting this before to XXXX and got no response. I have a police report and affidavit on file. Affidavit of Demand XXXX XXXX XXXX XXXX OF XXXX COUNTY OF XXXX The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of 18 and am a resident of the XXXX of XXXX. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 2. I suffer no legal XXXX and have personal knowledge of the facts set forth below. 3. Date : XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item to be error. Creditor Name : Fair Collections & O - XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Opened : XX/XX/XXXX Original Creditor Name : XXXX XXXX XXXX XXXX Assistance Department, I am currently a victim of Identity theft and I want to opt out all my personal information on your data base and website ( s ). Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts Remove any charges on the unauthorized account, and Take steps to remove information about this account from my all files I still have not received written confirmation of these actions. I recently learned that my personal information was used fraudulently. Please stop reporting this fraudulent information and delete any fraudulent items as soon as possible. If you do not otherwise block my consumer information on your data base/website ( s ) I will be left with no choice but to file a lawsuit that you are violating my rights and how Its affecting my ability for employment or buy a home. I have been a victim of identity Theft. Under Section 605B of the Fair Credit Reporting Act you are required to block unauthorized accounts within 4 business days. Please see my 10-page attachment ( Your Duties Under the Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will recheck this item with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX cc : Pennsylvania Attorney General Office cc : XXXX XXXX XXXX cc : Consumer Financial Protection Bureau cc : Office of United States XXXX XXXX XXXX I declare that, to the best of my knowledge and belief, the information herein is true, correct, and complete.
04/07/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TX 77042	Web
TO WHOM IT MAY CONCERN, I RECEIVED A LETTER IN XX/XX/XXXX FROM THIS COMPANY STATING THAT FOR A REDUCED SUM OF {$690.00} THEY WOULD AGREE TO ACCEPT THIS AMOUNT AS PAYMENT IN FULL FOR THE ACCOUNT BALANCE FOR A COLLECTION ACCOUNT AMOUNT FOR XXXX. I CALLED THE COMPANY IN XXXX AND SPOKE WITH A REPRESENTATIVE AND ADVISED HIM THAT I WOULD LIKE TO GO AHEAD AND ACCEPT THE OFFER AS PRESENTED, TO RESOLVE THE COMPLETE ACCOUNT BALANCE FOR THE SUM OF {$690.00} AS AGREED UPON TO SETTLE THE DEBT. THE CUSTOMER SERVICE REPRESENTATIVE COMPLETED A RECORDING OF THE TRANSACTION AND WE AGREED TO PAYMENT TERMS OF THE {$690.00} AS FOLLOWS : {$50.00} ON THAT DATE AT THE TIME OF THE CALL PAID BY DEBIT CARD, {$320.00} TO BE PAID FROM MY DEBIT CARD ON XX/XX/XXXX AND FINAL PAYMENT TO PROCESS FROM MY DEBIT CARD FOR {$320.00} ON XX/XX/XXXX. THE PAYMENT FOR {$320.00} WAS PAID DIRECT ON THE DEBIT CARD AND PAYMENT PROCESSED TO THIS COMPANY SUCCESSFULLY. THE COMPANY NEVER COMPLETED THE FINAL TRANSACTION TO PROCESS THE PAYMENT AS AGREED ON RECORDING, FOR THE FINAL PAYMENT ON XX/XX/XXXX FOR {$320.00}. WHEN I CONTACTED THIS COMPANY TO FIND OUT WHY THE XXXX MAJOR CREDIT BUREAUS ARE REPORTING FROM THEIR COMPANY INACCURATE INFORMATION, THAT A BALANCE IS STILL OWED FOR THIS ACCOUNT WITH A BALANCE OF {$1000.00}, I WAS TOLD THY RECEIVED A LETTER PRESUMABLY FROM ME ADVISING THAT I WAS NOT GOING TO PAY THE DEBT AND THEREFORE THEY CANCELLED THE FINAL PAYMENT SCHEDULED TO COMPLETE ON XX/XX/XXXX. I PERSONALLY NEVER SENT A LETTER TO THIS COMPANY ADVISING THEM THAT I WOULD NOT HONOR THE PAYMENT AS SCHEDULED TO COMPLETE ON XX/XX/XXXX. I NEVER RECEIVED A PHONE CALL OR VOICE MAIL MESSAGE REQUESTING I CONTACT THEM TO DISCUSS THE LETTER THEY RECEIVED FROM SOMEONE AND TO CONFIRM THAT I WAS REFUSING, AFTER INTIALLY AGREEING BY PHONE RECORDING ON A PREVIOUS OCCASSION TO PAY THE DEBT. THIS ERROR BY THIS COMPANY IN NOT PROCESSING THE LAST PAYMENT WHICH THEREBY WOULD HAVE CLEARED THE DEBT I CNT FIND A APARTMENT TO LIVE. THE Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed. THYEY CONTINUED TO REPORT THE DEBT TO THE BREAUS ALTHOUGH THEY STATED THEY RECEIVED A LETTER FROM SOMEONE STATING THEY WERE DISPUTING THE DEBT. THE COMPANY FAILED W/IN THIRTY DAYS TO PROVIDE ME WITH VERIFICATION OF THE DEBT AND TO ADVISE THEY WERE CANCELLING THE AGREEMENT IN PLACE TO RESOLVE THE DEBT UNTIL THE VERIFCATION PROCESS WAS COMPLETE. IF THEY BELIEVED A LETTER WAS FROM ME, THEY STILL SHOULD HAVE SENT A UPDATED BILL FOR THE BALANCE OF THE ACCOUNT AFTER THE PREVIOUS PAYMENTS CLEARED AND ALSO VALIDATION OF THE DEBT WITHIN 30 DAYS AFTER RECEIVING THE LETTER THEY CLAIM I SENT. I ASKED THE REP TO SEND ME A COPY OF THE LETTER ; I ALSO ASKED IF THE LETTER THEY RECEIVED HAD MY SIGNATURE HE DECLINED TO ANSWER. I WAS TOLD BY THE REP HE WOULD ONLY READ THE LETTER TO ME AND REFUSED TO PROVIDE ME WITH A COPY OF THE LETTER.
08/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30047	Web
Fair Collections and Outsourcing XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Re : Acct No XXXX To Whom It May Concern : In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you sent. Please note, that your claim is disputed and validation is demanded. 15 USC 1692g I do hereby request that your office provide me with complete documentation to validate that I owe the said debt and have any legal obligation to pay you. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt, and explanation of how debt was obtained. The agreement bearing my signature stating that I have agreed to assume the debt. Valid copies of the debt agreement stating the amount of the debt and interest charges, and an explanation of how this was calculated Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed, an full audit trail. Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus XXXX XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing a CFPB complaint against you for the following : * Violation of the Fair Credit Reporting Act - reporting inaccurate information * Violation of the Fair Debt Collection Practices Act - continuing collection activity on a debt which has not been validated This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. REQUEST FOR CEASE AND DESIST OF CONTACT BY YOUR OFFICE : I would also like to request, in writing, no further contact, either in writing or telephone be made by your offices to my home or to my place of employment, unless it is to provide validation or release of liability of the debt. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for any costs and I may incur. Thank you, XXXX XXXX Last 4 of SSN XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX
08/14/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77024	Web
Sometime in XX/XX/XXXX, I was planning to move to XXXX to resume my new job as a XXXX ( XXXX XXXX ) at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. I was looking for an apartment ( I had lived in XXXX, XXXX from XX/XX/XXXX when I moved into the country ). I had in the course of my search, went to XXXX XXXX XXXX XXXX, XXXX where I was shown some apartments. I later applied online for an apartment and my application was successful and I paid the deposit required. I moved from my apartment at XXXX XXXX XXXX, XXXX XXXX in XXXX, XXXX ( where I had lived for XXXX years ) on XX/XX/XXXX to XXXX to take possession of the apartment I had applied and paid for ( the deposit ) at XXXX XXXX XXXX. On my getting to the apartment office, on XX/XX/XXXX to take possession, I WAS MADE TO PAY FOR THE 1ST MONTH XXXX DOLLARS AND MADE TO SIGN THE LEASE BEFORE I WAS SHOWN THE APARTMENT, I immediately rejected it because it was n't what I had seen when I came to visit and what I had paid for, the lady told me to come back on Monday, XX/XX/XXXX to see her boss. I went back on Monday XX/XX/XXXXbut they were unable to provide the one I wanted, so I told them, I WILL NOT BE GOING AHEAD WITH THE LEASE since they do not have what I was promised, they refused, saying I had signed the lease and if I wo n't be going ahead, I had to pay about XXXX DOLLARS plus as cancellation fee and 3 months rents ). I told them I WILL NOT BE DOING THAT considering the fact that they did not fulfill their own end of the bargain. I then went searching and I found my current apartment, applied and got approved same day ( the monthly rent by the way is even way higher than what I would have been paying at XXXX ). XX/XX/XXXX XXXX went ahead to draw XXXX dollars from my XXXX XXXX XXXX account, after I had told them otherwise, I called them and mailed them as well, reiterating my stance that I DO NOT OWE THEM ANYTHING and that they even have to refund my deposit and the money already drawn from my account, I NEVER TOOK POSSESSION OF THIS APARTMENT, I NEVER HAD THE KEYS TO THE APARTMEN, The only time I stepped my foot into the apartment was when I went with one of the staff on the day I had referred to earlier. I reported them to my bank and a dispute was opened, ( see attached 1 ), dispute which was resolved in my favor and my cash was returned to me. After a few months, I started receiving mails from FAIR COLLECTIONS AND OUTSOURCING claiming I was owing XXXX XXXX XXXX, first it was XXXX, then later XXXX dollars, I called them multiple times and sent a mail to them as well ( see attached 2 ) stating my own side of the story, but they went ahead and reported this illegal act to the 3 Credit Bureau. This had adversely affected my Credit Report. I NEVER OWED THIS AMONUT, SINCE XXXX XXXX XXXX NEVER FULFILLED THEIR OWN END OF THE BARGAIN, why would I be made to pay for this. XXXX XXXX XXXX, if not that they are trying to bullying me into paying this should have taken this case to the Courts, where such issues are addressed.
09/09/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TN 38119	Web
On XX/XX/2019, FCO contacted me via telephone to advise that of debt owed ( {$180.00} ) to XXXX XXXX XXXX. Since this was the initial notice of any debt owed to XXXX XXXX XXXX, I requested the representative to send me documentation to validate the debt and amount owed. At this time, I provided the FCO representative my mailing address, to send the documentation. A few weeks later on or about XX/XX/2019, I received a 1-page notice that stated that an outstanding balance ( {$180.00} ) was owed to XXXX XXXX XXXX with no details or any other proof to substantiate the debt. Although no specific details or proof were provided regarding the debt owed, in good faith, I decided to pay the debt. I was the guarantor for my daughters apartment at XXXX XXXX XXXX while she was in in XXXX and she had to move-out at the end of her lease in XXXX, due to an unforeseen XXXX and complications. Upon move-out, I contacted XXXX to ensure that all outstanding debt was satisfied ; she had a XXXX-balance and the apartment was left in good condition upon move-out. Please be advised that I never received any notice from XXXX XXXX of a balance owed until a FCO representative telephoned me in early XX/XX/2019. As previously stated, I was notified of the balance and upon notification, I requested documentation to substantiate the validity of the alleged debt owed. A few weeks later in late XX/XX/2019, I received a notice of the debt from FCO and immediately commenced payment on the debt. The first payment was remitted on in early XXXX and I continued to remit consistent payments. Due to my own unforeseen circumstances ( divorce ), I was unable to remit the outstanding balance in a lump sum payment. Hence, I remitted consistent bi-weekly payments until the balance was paid in full. Since I immediately commenced payment upon notification and continued to remit consistent payments, it was my understanding that the account would remain in good standing and not be subject to negative credit reporting. To my utter shock, I discovered in early XX/XX/2019 that the account had been reported to the credit bureau as a derogatory account. I immediately contacted FCO to inquire about the derogatory credit reporting and requested that the derogatory remark removed from my credit profile. I was advised that the derogatory reporting would not be removed because I did not remit payment or secure a formal payment plan upon initial notification of the debt owed; I had been notified previously of the debt owed in XX/XX/2019 but failed to mail payments. Per the representative, notices were mailed to addresses in XXXX, XXXX - XXXX XXXX ( I had not lived at this address in more than 3 years ) and XXXX, XXXX ( I have never lived in XXXX ). I explained to the representative that i did not receive the previous notices ; they were mailed to a former address and unknown address. Thus, I could not dispute or pay a debt that I was not aware of.
08/04/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 760XX	Web
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.
09/26/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	FL 32224	Web	Servicemember
XXXX : I was in the dispute process with XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX ignored my dispute and sent the bill for {$800.00} to Fair Collections & Outsourcing. XX/XX/XXXX : Dispute was opened with XXXX. ( No stop to collections was made ) XX/XX/XXXX : I receive an email from XXXX with no subject line and no amplifying information. Attached documents are from XXXX XXXX showing a bill they had and our move out sheet. XXXX gave me no information regarding the dispute. I had no way of knowing whether the dispute was still open, If I was required to send more documentation, anything at all. I received no phone calls or email correspondence from XXXX since XXXX XXXX XXXX reports account to credit bureaus. XXXX : I called XXXX to find out what the status is of this dispute. They told me that the case had been closed. Again, I received no correspondence alluding to this. I spoke with a representative and reviewed XXXX XXXX 's dispute attachments. In that dispute they showed a move out inspection sheet which I never received a copy of. On this check out sheet you will see additional inputs/handwriting that was not present during move out inspection. As you can see, the carpet was circled clean during inspection and later inputed " replace '' in different handwriting. The problem is the carpet was not needing a replacement during both pre and move out inspection. This carpet was practically new as you can see the lifespan that was left. XXXX XXXX claimed my XXXX dog ruined this carpet in the span of 5 months. If that was the case there would have been no error in circling the condition of the carpet during our in person move out inspection. I was not notified of the carpet replacement until XX/XX/XXXX. I moved out on the XXXX. One of the XXXX reps I spoke to felt bad about the situation and offered 20 % off the price. Knowing this was fraudulent practices by XXXX XXXX. XXXX XXXX I got in contact with a manager at XXXX. He stated he was going to reinvestigate this dispute. In my eyes, this account should not have even impacted my credit at this point. They want a copy of my move out inspection sheet which I did not receive a copy of. The only copy in existence is the one with fraudulent changes made after my signature. I was told that he would reinvestigate and speak with XXXX XXXX XXXX : After no updates given, and my account reported to the credit bureaus I called XXXX. The manager stated XXXX XXXX reached back out and requested a copy of the original move out inspection sheet which does not exist. If I do not present this copy, XXXX deems XXXX XXXX correct. This is very one sided in my opinion. XXXX 's dispute process is a worthless and unfair process full of one sidedness and lack of communication. I was never made aware that the dispute was over and I had XXXX amount of days before this would impact my credit for a charge that was unethical.
12/21/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 91311	Web
Dear Sir/Madam, I am writing to file a complaint against a collection company, Fair Collections & Outsourcing ( FCO ), for violating the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I believe the company violated 15 USC 1692c 805, which states that a debt collector should use obscene or profane language. I have received numerous phone calls and emails from Fair Collections & Outsourcing ( FCO ) trying to collect a debt, and they have repeatedly used obscene or profane language. I have been in communication with XXXX XXXX XXXX XXXX \| XXXX XXXX and Consumer Relations Agent from XXXX According to 15 USC 1692c 805, it is illegal for a debt collector to communicate with a consumer in any place or manner that is inconvenient to the consumer. However, this Fair Collections & Outsourcing ( FCO ) has repeatedly contacted me at work, despite my requests for them to stop and my notification that it is inconvenient to receive calls at work. Furthermore, this Fair Collections & Outsourcing ( FCO ) has also been using abusive and threatening language towards me, which violates the Act 's prohibition against using abusive or threatening language ( 15 USC 1692d ). In addition to this FCO is also in violation of following 1. Using obscene or profane language. 2. Publishing the consumer 's name or address on a " bad debt '' list. 3. Continuing to communicate with me after the consumer has requested that the debt collector stop contacting them. 4. Contacting the consumer at inconvenient times or places, such as before XXXX XXXX PST 5. Misrepresenting the amount of the debt, the legal status of the debt, or the consequences of not paying the debt. 6. Using false or misleading representations or deceptive means to collect the debt. I have asked FCO over the phone and in writing that the collection efforts were wrong because the original vendor had wrongfully added those charges without providing me a breakdown and copy of the invoices. All those charges were fraudulently created by the vendor, which I tried to explain to FCO. However, FCO is being bullied and told me they would get this collection, and they don't care about the authenticity of these charges so I requested them to let me work directly with the vendor and they said they don't care as the account is with them. I would like to ask the CFPB to take action against this Fair Collections & Outsourcing ( FCO ) for violating the Fair Debt Collection Practices Act and that they cease their unlawful behavior immediately. I would like the CFPB to investigate this matter and take appropriate action against Fair Collections & Outsourcing ( FCO ) to ensure that they comply with the FDCPA. I have included copies of the phone logs and emails as evidence of the Fair Collections & Outsourcing ( FCO ) 's actions. Thank you for your attention to this matter. Sincerely, XXXX XXXX
04/03/2017	Yes	Debt collection I do not know	Communication tactics Called after sent written cease of comm	FL 33076	Web
On XX/XX/2017, I sent a dispute for investigations to the credit bureaus regarding an alleged debt that was mysteriously added on my credit reports without ever receiving a dunning letter. I then received a response from the credit reporting agencies the debt is accurate and if I had additional questins/concerns to contact Fair Collections & Outsourcings at their address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. On XX/XX/2017, I proceed to send Fair Collections & Outsourcings a letter requesting validation of the alleged debt they are reporting on my credit reports. On XX/XX/2017, I received a " settlement '' letter and a generic lease from them, both dated XX/XX/2017. On XX/XX/2017, I filed a complaint with CFPB, and received a response from Fair Collections & Outsourcings on XX/XX/2017 stating that they do not own the debt and that the original creditor does. On XX/XX/2017 at XXXX, I contacted the alleged original creditor that they are reporting as XXXX at XXXX, I googled the company. I spoke to XXXX who stated that she did not have an employee number. XXXX stated that she did not have any information with my name and last XXXX of my social which I provided to her. She then provided me with the number XXXX stating to contact the number which is for " former resident of XXXX ''. On XX/XX/2017 at XXXX, I called the number XXXX, a recording came on stated that : " due to high call volumes, they recommend to email them or leave a message ''. I then proceeded to leave a message saying that the message is for XXXX and to contact me. On XX/XX/2017 at XXXX, I received a call from XXXX and the representative stated that her name is XXXX XXXX from Fair Collections & Outsourcings and it is an attempted to collect a debt and returning my call, and continued to ask how would i like to make a payment? I informed her that I did not request for them to call me so I am unaware on where she would get the idea to contact me when I specifically sent a certified letter to them on XX/XX/2017 stating to not contact me via telephone and to mail me out the validation of this alleged debt. I also requested that she send me legal documents showing that she and her company are indeed authorized to collect on this alleged debt that they have not been able to validate and stated that they do not own. She got agitated and raised her voice stating that she does not have to provide me with any documents that shows that she is authorized to collect on this uncollectable debt. In their response letter to my previous complaint, they stated that they did not respond to my validation letter because the account was " verified '' and I am in the mistaken belief that they own the debt. Their exact wording was : " As the account had been previously been verified and the consumer requested no further contact, a response was not made to the XX/XX/2017 letter. ''
10/21/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OH 431XX	Web	Servicemember
I recently rented an apartment back in XXXX of last year. I followed all the necessary procedures when moving out an apartment. I sent over a 30 day notice to the apartment complex stating the day I would be out. The property manager agreed to provide me with a break down of the charges I owed upon departure of the unit. I was informed I would receive a bill in 30 days. Well 30 days went buy no bill indicating I owe " move out charges ''. I contacted the property manager on several attempts to validate this debt. No response. A month later I received a letter from a debt collector. Stating I owe the apartment unit {$210.00} ''. Move out charges. I spoke with a individual explaining the issue as to why I dont owe this debt. The property manager refused to complete a exit walkthrough upon returning the keys. I was advised to leave keys in mailbox. I explained this too the credit company. How can I be charged for a debt that I was never provided a copy of showing the break down of the charges. I asked to dispute this information and was told to contact the supervisor. I spoke with the supervisor XXXX XXXX with the debt collection agency. He would not allow me to dispute the debt. He informed me the debt was unable to be reported to my credit file due to non response from the property manager. However he stated I still need to pay this debt. How is this possible? If the debt can not be validated through the original creditor how can he say I still owe the debt. However he explained to me the debt is not eligible to reported to my file. I asked for something in writing stating this debt will not be reported to my credit report. He said " No '' calls are recorded for monitoring and its listed in your file.. please help me Ps '' I have attached also the information from the debt company showing the break down charges. I explained to Mr XXXX if he looked closely my signature is provided for the walk throug when I first got my keys. No signature is provided showing I agree to the move out fee '' I did not sign. Reason being no move out notice was provided in 30 days. As stated by property manager. Emails attached verifying that information. It clearly states if you agree to move out charges please sign. I was never provided a copy by original creditor. The debt collection company provided me with this information. However refused to open a dispute. I was advised to contact XXXX XXXX manager. He just argued with me made excuses for the property manager and stated he was a ex property manager. Not willing to understand the situation. I have provided documents showing I reached out to property manager for breakdown of charges to prevent further issues. However no response was provided. Please see attachments were I reached out to property manager in regard to this debt. No response at all.
05/10/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NC 27106	Web
Hi, FCO ( Fair Collections & Outsourcing , Inc ) has reported a collection of {$1100.00} on my credit history which is incorrect. It is done without investigating the claim properly and without providing me proper documents requested by me in this matter. I have sent them multiple email and called them several time without proper response from them. I have informed them multiple time that I do n't owe any debt to XXXX XXXX XXXX. FCO was not able to provide me the copy of the original utility Bills as XXXX XXXX XXXX was asking me to pay more for the Gas compared to the original Gas Bill. So, I asked them to provide me a copy of all the utility Bills starting XXXX XXXX. I have sent multiple emails to XXXX XXXX XXXX & FCO in this regard since XXXX XXXX and they were not able to provide these bills. I also registered a complaint regarding this with XXXX and both the companies were not able to respond to that complaint. Issues : -- -- -- -- -- - 1 ) When I moved into the apartment, My rent was calculated on Pro rate basis for the duration of stay but when I left the apartment the company is saying that they will not prorate my stay. There is no such clause in the lease agreement. They have already forfeited the security deposit for one and half month of rent. No proper response or reason from the company on this. 2 ) During the stay the company charged me for room heating even when the heaters/Gas was switched off in summer season. I have complained about this multiple time and my account was not adjusted/corrected. ( a copy of multiple emails attached ). I have been requesting XXXX XXXX to provide me a copy of the original Utility Bills from long time and they are not able to provide it. the difference for XXXX month where they adjusted was approximately XXXX % so XXXX XXXX should refund me XXXX % of the Gas utility bills in case they are not able to provide correct Utility Bills from the Utility Company. 3 ) The collection company FCO is not investigating the case even after I disputed this. They are not even providing the required information & documents. Without responding to my emails and resolving the disputes they have got this collection account added to my credit reports which is harassment of a normal person just to serve the interest of their client. I have also called them on the number provided and they never pickup the phone. I have also left so many voice mails and without any response from Fair Collections & Outsourcing , Inc. ( Some of the emails attached. ). Please let me know in case you need any additional details from me. I have attached some of the communications where I raised my concerns and neither XXXX XXXX XXXX nor Fair Collections & Outsourcing , Inc. ( FCO ) was able to provide proper response. Thanks XXXX XXXX
02/28/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33435	Web	Servicemember
FAIR COLLECTIONS & OUT XXXX Alleged Debt to XXXX XXXX XXXX in XXXX Florida. I have uploaded my actual lease that expired XX/XX/XXXX. I gave 60 day notice and moved out the weekend prior to XX/XX/XXXX. The complex did not find that I owed any damages or fees. They do not allege any debt on my occupation of the unit in question. They claim that I signed a " mystery '' lease for that same apartment and that I never paid anything until they took possession on XX/XX/XXXX. I had been living in a one bedroom sublet in another county close to my work. I never received any bills or collection notices. The first I heard of this fraudulent debt was when I moved down to XXXX Florida in XX/XX/XXXX and tried to rent new apartment. I was declined due to an active collection for an alleged debt to XXXX XXXX equal to {$2700.00} and reported to credit bureaus XXXX of XXXX. The " collection '' company is listed as : Fair Collections & Out XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX I was admitted to a hospital in XX/XX/XXXX and was released the end of XX/XX/XXXX. That is when I relocated to XXXX XXXX FL. After the apartment that declined me informed me of these fraudulent credit reporting I contacted the the owners and managers of XXXX XXXX. The district manager claimed I somehow signed a new lease and never paid on it. Yet the charges they claim include {$50.00} to change the locks on XX/XX/XXXX. I contacted FCO and they only wanted me to send {$1300.00} to close the case without any documentation supporting the fraudulent reporting of debt. Since then I have tried everything to remove this claim. Each time a complaint is filed with credit bureaus they wait until the very last day to report that the creditor verified the debt. Yet, they are never required to deliver any proof of the debt 's existence. Neither parties have ever attempted to answer the question of how I could be living in two places at the same time. The lease on my current Apartment ends XX/XX/XXXX. As of today I have not been able to gain approval for a new home. Giving FCO a time to respond is a waste of time since I have already provided the proof you need to order all three bureaus to rmove the collection. Last note. I would never have agreed to rent that apartment. I only had that large apartment as I took Family Leave and cared for my Father until he passed in that unit. I could not wait to get out of there because the memories of his passing and the grief I felt was debilitating and ultimately led to my Hospitalization. Also, the three bedrooms were needed for myself, my Dad, and a live-in caregiver hired to assist me with my Dad 's care. The complex sent nice flowers and thoughtful notes after he passed again proving the management team were intimately aware of the situation.
02/07/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 23060	Web	Older American
I rented an apartment at The XXXX at XXXX, in XXXXXXXX XXXX beginning in XXXX, XXXX with a year long lease. The following spring, I needed to move back to XXXX because of a family issue, prior to the end of my lease. I gave adequate notice to vacate my apartment ( ~60 days ) and was given a letter stating that I owed {$4700.00} in order to terminate my lease early. I was shocked and sought legal counsel, XXXX XXXX XXXX, XXXX. I also consulted the Maine Consumer Law Guide to help me understand my rights in this case. As confirmed by my attorney, the law ( 14.16 " Unfair Rental Contracts '' ) states that " No matter what lease a tenant signs there are certain tenant rights that can not be waived, no matter what the lease says : A. The landlord can not charge a tenant for the months remaining on the lease after the tenant is evicted or leaves unless the landlord makes a good faith effort to re-rent the residence. '' This is the crux of the issue here. In my remaining weeks at the XXXX after I had given notice, management did not once contact me regarding showing the unit, nor was the apartment advertised during that time. XXXX XXXX advised me not to sign the " Notice of Intent to Terminate Lease Early '', in a letter to the XXXX dated XX/XX/XXXX. Also stated in this letter is my willingness to show the apartment at any time. In addition, I paid my rent through the month of XXXX, XXXX, although I vacated the apartment before the end of the month. On XX/XX/XXXX, I received a letter from The XXXX requesting that I remit the amount of {$3800.00}, which was the original amount owed, less my security deposit. Upon my attorney 's counsel, I took no action to this request. Then on XX/XX/XXXX, I received a bill from Fair Collections & Outsourcing of New England, a debt collector, for the {$3800.00}. A similar letter from Fair Collections was received on XX/XX/XXXX. Upon notifying XXXX XXXX, he sent a letter to Fair Collections explaining my situation with The XXXX, and warning them to " cease and desist '' in their efforts to collect the alleged debt, and in placing a " XXXX mark '' on my credit report. XXXX XXXX sent another letter to Fair Collections dated XX/XX/XXXX again requesting that they " cease and desist IMMEDIATELY '' in their efforts to collect this disputed debt. As happened with The XXXX, my attorney 's correspondence and requests were summarily ignored. Lastly, I was notified by XXXX XXXX on XX/XX/XXXX, that this collection had been entered onto my credit report. Again, I notified XXXX XXXX who is now preparing further steps in this case. In addition, I have submitted disputes to all three credit reporting bureaus : XXXX, XXXX and XXXX. I do not owe this money, and I would like for this derogatory mark removed from my credit history.
05/06/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 144XX	Web
On XX/XX/XXXX of XXXX an aggressive and violent tenant, one whom has made multiple physical threats unprovoked and constantly had a man with a known violent criminal record stay with her committed assault and battery against me. The police were called, I had open wounds on my face from where I was clawed and recommended to go to the hospital. I wrote the apartment, XXXX XXXX, a letter and presented proof of the violent assault that took place. As over half a dozen noise complaints had been filed, police have shown up to their residence for unknown reasons, often needing to knock the door down, the threat was forseable. XXXX XXXX violated the terms of our lease agreement and not only failed to provide a quiet and safe environment, but acted negligently in allowing the situation to escalate despite ours and others warnings. Office manager XXXX XXXX agreed. I moved out completely on XX/XX/XXXX and was asked to pay for both XXXX and XXXX rent amounts. As the contract was legally void I offered to not sue for negligence and pay a pro rated amount until XX/XX/XXXX. The keys had been returned to them on XX/XX/XXXX when the incident was reported. I am XXXX and did not leave my apartment unless absolutely necessary. I have not heard a single thing, received for any mail or email or evening phone call since. As of XX/XX/XXXX there is a {$1200.00} collection on my 3 credit reports from FAIR COLLECTIONS & OUT with the only information provided being the name and the amount listed as derogatory. With absolutely nothing to go on I disputed with the three credit report agencies and they directed me to file a report with the FTC. I have done all that I was asked to, sent a letter on XX/XX/XXXX to the debt collector that was generated by the FTC. By this time I had found an address after XXXX the information. No email or phone number were provided to me to this day. They have not reached back out to me, but they have responded to the disputes I filed with the reporting agencies regarding their accuracy and requesting information be sent to me at my provided home address. They added an account number and date of first delinquency : XXXX ; XX/XX/XXXX. The letter is very detailed and in each dispute I made with all three credit reporting agencies I made it clear I have never been notified of any past due amount, sent a bill, or contacted about this. XXXX XXXX employees have been a nightmare to deal with when I did live there. After my last contact with them I do not want further contact, and will have to sue for Negligence and fraud by early XXXX if no one will actually verify they contacted me, or made any attempt to contact me as if they had I would have responded before this became a legal issue I cant afford with this epidemic living in XXXX.
02/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30034	Web
On or about XXXX XXXX, I received notice that some information changed on my credit report from XXXX and XXXX. I immediately contacted XXXX, to see what happened or what was being reported. What is falsely being reported was a new collection account from a business entity as follows : Fair Collections & Outsourcing, AKA ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. Further, the credit report indicated that account was last updated on XX/XX/XXXX in the amount of ( $ XXXX ) XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Dollars. Next, upon review of all three major credit agencies XXXX, XXXX, and XXXX ; I could see this collection account on all three bureaus dated XXXX XXXX. After a little due diligence I was able to locate the phone number for Fair Collections & Outsourcing. I phoned the company at ( XXXX ), and ask to speak to the person in-charge ; I was transferred to XXXX XXXX XXXX This party wouldn't allow me to speak so I just listen to XXXX XXXX, explain to me that this was an attempt to collect a debt and he needed to confirm some information. I told XXXX XXXX, that my rights was being violated under the Fair Credit Reporting Act 15 U.S.C. 1681 a ( f ). I informed XXXX XXXX, that having not made any contact with me directly via us mail, digital or by phone prior to placing this collection on my personal credit ; was a clear violation of the law, and I would be filing a complaint with CFBP and contacting an Attorney, further I stated that Fair Collections & Outsourcing, had to wrong party. XXXX XXXX, said I didn't know what I was talking about and I could do whatever I liked and then hung up. Next, I phoned back got XXXX XXXX, again and Informed him that not only was Fair Collections & Outsourcing, violating my rights but additionally, I wanted to know who was the original client and he refused to answer. Finally, later that evening on XXXX XXXX, a letter arrived at my residence from Fair Collections & Outsourcing, dated XX/XX/XXXX, although the letter was backdated it didn't arrive to me until XX/XX/XXXX. This letter was an " Offer To Satisfy For 20 % ) for a total of $ XXXX. The letter had the correct address but did not bear my correct legal name. I'm filing this complaint today and contacting an Attorney, to have this matter removed immediately from XXXX, XXXX, and XXXX. Fair Collections & Outsourcing ( XXXX ) has engaged in " Debt Parking or Passive Collection '', tactics here. They placed this collection on my consumer credit files first and then mailed a letter. Next, the first contact on this collection ; is me contacting their company. The letter or so called first point of contact is additionally, further violates the FDCPA, in that its a settlement offer ; and does not inform me of my legal rights as required under the law.
08/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	SD 576XX	Web
Hello, I lived in a property that had such a poor reputation by the people who lived there it had to be renamed from : XXXX to XXXX in XXXX, XXXX. The properties management company was out of state ( XXXX apartments ) and a rental office was on site. The XXXX did not communicate well, and after a man was shot and killed in the garage of the complex I decided not to resign my lease. My relationship with the office was poor already because I called homelinemn on them because none of the properties out door security parking lot lights were functioning and because of the shooting I felt incredibly unsafe. I made a verbal agreement with the office manager in the leasing office on property who told me that was fine and to write out a letter and bring it back to him when I had time. I made XXXX attempts to bring it in, once he was not in, and once the office leasing agents asked me to come back later because they were preparing for their holiday party. I obliged and I brought it in the next week. When we moved out we assumed that some of our XXXX XXXX dollar deposit would go towards the two years of wear and tear of living there, however once we left we received XXXX invoices, the first had less charges then the second which also now said we owed a months rent for not getting our letter to leave in on time. The charges owed took our deposit and demanded an additional XXXX. This invoiced sited things like the black mold on the window seals and toilet, photo charges for them to take pictures of that mold, dog fesses they found outside they said was my dogs, new closet doors because the doors they replaced while we were there did n't match, and a late charge of XXXX month 's rent from the property management for not submitting my letter to leave in time, something I was verbally told by the leasing office was fine, and was attempted twice. We went to the XXXX XXXX XXXX XXXX XXXX ( who should have a file on this still ) and spoke with someone who said they could have helped with this had we still been living there but that because we moved and the bill came after they could not. Because we refused to pay they forwarded the charges to collections and now I am called at all hours of the day from debt collectors and my parent get harassing mail sent to their home address in XXXX. Please help me stop this. This was a wrongful charge, I believe they sent this to collections and did n't take us to small claims court because they knew they would lose. And this XXXX thing is making my credit score suffer. I need your help in removing this or at the very least asking them to stop harassing my family. I have copies of the charges and the letter they send my parents monthly. Please let me know if you would like these documents. Thank you,
11/12/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive notice of right to dispute	MI 48167	Web
I am writing to formally express my deep concern and dissatisfaction regarding the recent credit reporting issue that has significantly impacted my credit score. The purpose of this communication is to file a formal complaint and seek resolution for the reported debt, which I believe is unjust and has negatively affected my financial standing. Background : I resided at XXXX XXXX XXXX for a period of XXXX years. Upon the expiration of my initial lease, my wife and I applied to renew the lease, and the property manager initially agreed to the renewal. However, in the final week before the lease expiration, we were informed that we were required to move to a larger two-bedroom apartment with a higher rent of {$1600.00} due to the presence of our infant daughter in the family. Feeling left in limbo, we reluctantly searched for alternative housing and vacated the premises before our lease expired. Subsequent Issues : Following our abrupt departure, there was a complete lack of communication from the property manager. Unexpectedly, my wife 's and my credit scores were adversely affected by the reporting of a debt that we had no prior knowledge of. Notably, the debt collector failed to contact us before reporting the negative credit score, leaving us blindsided by this detrimental impact on our financial profile. Current Actions Taken : Upon discovering this issue, I promptly contacted the collection agency on XX/XX/XXXX to address the reported debt. However, to date, no tangible action has been taken to rectify the situation. The credit reporting date, XX/XX/XXXX, indicates that the negative credit entry was made XXXX XXXX after our relocation from the apartment. Request for Resolution : In light of the circumstances outlined above, I am formally requesting a thorough investigation into this matter. I kindly ask for the following actions to be taken : Validation of Debt : I request proper documentation validating the legitimacy of the reported debt. Dispute Resolution : I ask for your assistance in disputing the inaccurate debt reporting with the relevant credit reporting agencies. Explanation and Rectification : I seek a clear explanation for the reported debt and the subsequent negative impact on my credit score, along with appropriate measures for rectification. Communication : I request open and transparent communication regarding the resolution process and any further actions required on my part. I trust that you will address this matter promptly and fairly. If necessary, I am prepared to seek legal counsel to ensure that my rights are protected and that this issue is resolved in accordance with applicable laws. Thank you for your attention to this urgent matter. I look forward to a swift resolution.
05/22/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AR 72034	Web
On Sunday, XXXX XXXX 2016 , I received a notice in my door reminding me that my lease to XXXX XXXX XXXX would expire XXXX XXXX 2016 . At the time I was unable to respond to the notice as the leasing office is closed on Sunday. Later in the week, I notified XXXX in the leasing office that I would not renew the lease and had already made arrangements to move out. I have included the unsigned Lease Agreement Extension as well as the Lease Agreement Extension Fair Collections and Outsourcing received from XXXX XXXX XXXX ( XXXX XXXX ), dated XXXX XXXX 2016 , as an attachment to this complaint. The expiration date on this documentation was falsified and " Auto Renewal ' ' was entered on the document, instead of obtaining my signature, after I told them I will not renew my lease. The attached documentation also shows a discrepancy between the date entered on the Security Deposit Disposition as to when this was sent to collection ( XXXX XXXX 2016 ) and the signature date that XXXX XXXX XXXX entered on the Lease Agreement Extension ( XXXX XXXX 2016 ). I disputed and requested verification of this collection item with Fair Collections and Outsourcing but their response brought no change. I was provided a breakdown of fees owed, shown in the attached Security Deposit Disposition , but this information is also inaccurate. As shown on the attached Security Deposit Disposition, the reason for leaving was NOT due to eviction so there should not be any attorney 's fees. If any attorney 's fees were assessed, I have not been provided proof that those fees were paid by XXXX XXXX XXXX ( XXXX XXXX ). I am also attaching a copy of the lease I entered into at my new place of residence that began XXXX XXXX 2016 which again, XXXX XXXX XXXX was made aware of this. I hold FCO responsible because they accepted this account. They also had two opportunities to validate the account and failed to do so. Had they properly validated it, the correspondence I received from them should have the Intent To Vacate notice that I signed and left with XXXX XXXX XXXX . Along with that notice I provided a forwarding address to send any balance owed due to failure to clean the apartment but that amount was taken from my security deposit, as shown in the Security Deposit Disposition . XXXX XXXX XXXX ( XXXX XXXX ) fraudulently submitted documents to Fair Collections and Outsourcing in an effort to collect money that is not owed to them. Fair Collections and Outsourcing is now reporting to all XXXX credit bureaus inaccurately and without properly verifying the account upon my request which has brought me to this complaint.
03/19/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 78253	Web
My roommate and I rented a home from XXXX XXXX XXXX in XXXX, GA. When we moved into the home there was very extensive damage. The house flooded on the entire first floor. It was covered in bugs and it was filthy and we were without water. They did not give us any options for housing at that time. They did finally start sending out repair workers, but they all seemed to have no idea what they were doing. One man was so out of it ( Im assuming he was on drugs ) he went into our pantry instead of exiting out of the front door where he came in. He also asked us for drugs. Of course, we told him he needed to leave. Again, XXXX XXXX XXXX did nothing to help us. They did get the water out of the house and for a little bit we thought it would be ok to inhabit, however, other problems started arising. We were seeing mold and could not get them to address the issue. My roommate decided she couldnt live there anymore and I did not want to break the lease, but I couldnt do it on my own. They refused to work with me. I tried to find another tenant and they made it so difficult. After my roommate moved out, I was in the kitchen one night while one of my kids was in the bath upstairs and all of a sudden water was pouring from the ceiling into the kitchen on my new table and chairs. It turned out to be the bathtub upstairs. I was afraid the tub was going to fall through the ceiling. I called and it took them quite a while to come out. A repair man did come and fix the leak and clean up what I could see of the water. However, my table was now ruined. After this, I was still trying to find a way to get out of the property. It didnt feel safe. Then, I finally tell them that I need to break my lease and they agree to let me and I gave them a move out date. A few days later, they put an eviction notice on my door. During my last week or so there, I saw more and more mold and sent pictures to them. No matter how many times I bleached it, the spots would not go away. They blew me off as usual. I confronted them about the eviction and wanted to know why they would do that after we came to an agreement and nobody could answer my questions. Once I moved out, I was never contacted about any fees owed. I changed my address with the post office, my number was the same, my email address was the same. Next thing I know, Im being contacted by a collection agency. Theyre trying to charge me eviction fees and these massive cleaning and repair fees of over {$7000.00}! When I left that home, it was completely spotless. Far more clean than when I arrived. It is absolutely fraudulent. I have been fighting with them for over 4 years now. I have photo and email evidence to back up all of my claims. I dont want this to happen to anyone else.
10/02/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	TX 75254	Web
XXXX [ XX/XX/2021 ], I entered into a lease agreement with XXXX XXXX XXXX for a one-year lease, which I paid upfront in full. Unfortunately, my experience at XXXX XX/XX/XXXX took a very distressing turn due to a series of events beyond my control. During my time at the apartment complex, I became the target of unwelcome and frightening harassment from an individual residing in the same building. This person not only stalked me but also committed theft, including stealing personal items such as underwear from the laundry room. I promptly reported these incidents to the leasing office at XXXX XXXX XXXX, hoping that they would take the necessary actions to ensure my safety and resolve the situation. However, despite my numerous complaints, the management did not adequately address the issue or provide me with any sense of security. As a single woman living alone, I began to fear for my personal safety and well-being. The stalker knew where I lived, and the situation escalated to the point where I genuinely felt my life was at risk. Under these terrifying circumstances, I reluctantly made the difficult decision to vacate the apartment for my own safety. I acknowledge that I neglected to provide the required three-month notice for lease termination. However, I believe it is essential to understand the extraordinary and compelling circumstances that led to my departure. I firmly believe that my decision to leave the apartment complex was a matter of personal safety and security. I am kindly requesting your assistance in pursuing a goodwill deletion of the outstanding debt associated with XXXX XXXX XXXX. I understand my financial obligations, and I am committed to fulfilling them to the best of my ability. However, I hope you can empathize with the exceptional circumstances that prompted my early departure. A goodwill deletion would not only provide me with some relief from the financial burden but also enable me to move forward with my life with a sense of closure to this unsettling chapter. I have learned from this experience and am eager to rebuild my financial stability. Enclosed with this letter are supporting documents, including incident reports filed with the leasing office, which substantiate the claims I have made about my unfortunate situation at XXXX XXXX XXXX. I kindly ask that you review these documents and take my plea into consideration. I am grateful for your understanding and assistance in this matter. Please feel free to contact me at XXXX or via email if you require any additional information or documentation. Thank you for your time and attention to this request. I look forward to your positive response and resolution of this issue.
02/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 93704	Web
XXXX/XXXX XXXX Balance Owed : {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. XXXX XXXX XXXX Balance Owed : {$1500.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. XXXX/XXXX XXXX Balance Owed : {$22000.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. XXXX XXXX XXXX XXXX XXXX : {$4200.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete Immediately. XXXX/XXXX XXXX Balance Owed : {$8200.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. XXXX XXXX XXXX Balance Owed : {$2400.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. XXXX XXXX XXXX XXXX Balance Owed : {$3600.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5500.00} - Please figure out precisely why the date of last reported is different from other bureaus, this is a violation. Also, give documentation to verify all the charges and credits in this claimed account that caused the maximum credit number you've exhibited in my file. My request to give these records is a standard information request according to my legal rights honored within the fair credit billing act. FAIR COLLECTIONS & OUT XXXX Balance Owed : {$4700.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. XXXX XXXX I XXXX Balance Owed : {$3400.00} - Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau.
07/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75071	Web
Address of credit reporting company XXXX XXXX XXXX XXXX XXXX, TX, XXXX Dear cfpb, I am writing to dispute the following information that appears on my XXXX consumer report : Dispute 1- Unknow or Invalid collection account on my credit report FAIR COLLECTIONS & OUT has flagged your account as Collections on XX/XX/XXXX. Source : XXXX XXXX : FAIR COLLECTIONS & OUT Address : XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( XXXX ) Balance Date : XX/XX/XXXX Balance : {$420.00} Dispute Report Number : XXXX Dispute Account Number : XXXX Explanation of item being disputed : At first, after 180 days, the original creditor XXXX XXXXXXXX had already charged off this amount from their books for a tax loss and contacted the insurance company about this loss. Original creditor sold off their charge-offs to the collection agencies ( FAIR COLLECTIONS & OUT ). From a legal perspective, I never made a legally binding contract with collection agencies. For this reason, I am not obligated to any collection agencies or I should have the responsibility to pay these debt collectors. Secondly, you can find my certified mail receipt ( showing proof that an item was mailed ) and return receipt ( verification of delivery was made ) in the attachment. ( Page 5-10 ). The collection agency had only contacted me on XX/XX/XXXX and XX/XX/XXXX. After I send my 2nd dispute letter, they never sent me any following up emails. After I received their mail, I sent my dispute letter to them on XX/XX/XXXX and XX/XX/XXXX. ( Please find my dispute letter on Page 3-4 ). I stated my point very clearly in these two dispute letters. If the collection agency can provide me with any valid and legal evidence that can show that I owe this debt, I will pay for this amount. Unfortunately, they failed to provide valid and legal evidence. After XX/XX/XXXX, I havent received any letter from them until XX/XX/XXXX. They put the collection record on my credit report and cause my credit score to decrease to XXXX. On XX/XX/XXXX, they did send me the evidence but it is not valid, please refer to my XXXX dispute letter ( on Page 4 ) as a reference. The official document that they sent to me does not have a legal effect since both parties do not sign the document. The document does not have my written signature so it does not have legal effect to indicate that I owe the debt. ( Page 11-13 ) If everything that I said was correct and valid, please remove the collection record on my credit report and recover my credit back to the original standpoint. Thank you for your assistance and looking forward to hearing back from you.
08/09/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29577	Web
Pulled personal credit reports due to trying to buy a house or even rent. Found Fair credit and Out with a partial account # on credit reports for {$3400.00}. Called to get online access to view what the account was for and some kind of verification/validation of the debt. The lady I spoke with asked for basic information and to verify who I was. She provided me with a username- which was ( XXXX ) and then a pin that was XXXX numbers ( XXXX ). She then stated it was a debt for XXXX Rentals and ends the call. I went online and there was no direct information In regards to the debt at first it was personal information that was listed to identify the owner of the debt, some of the information was my personal information but then I noticed addresses that were not mine and have never been mine, along with other mis information like multiple phone numbers not mine. I didnt have an option to even update my information if I had wanted to let alone able to validate the debt. Beyond that page there was a page that showed the same basic info debt {$3400.00} and account # which was the numbers I was given as the acct username. Since my kids and myself are homeless I tried finding more detailed information, options to settle or setup payment arrangements but there was just an option to pay the he debt. No charge descriptions beyond XXXX. My call and subsequent login was XXXX XXXX. Ive received no letters by mail and no one has contacted by phone even prior to my call from Fair Credit and Out. This debt on my reports is causing my family to continue being homeless. I did record my phone call on video to ensure I was able to verify info. As well as recorded myself logging in. On XXXX XXXX I attempted to login using the same information as this is the only debt currently being stated as a block for my family being approved to rent, the login doesnt work, I recorded me attempting to login from different devices including computer and it states my account information is incorrect. I check my credit reports and they still show XXXX ( Transunions name of agency ), XXXX ( XXXX agency name listed ), and Fair Collections & Out ( XXXX agency listed ) last updated balance date XX/XX/2023 still showing {$3400.00} So I dont understand how my login I was provided is inaccurate. Im also unable to have addresses that arent mine dispute and removed with credit bureaus due to them stating tied to the collection account for this company so its creating a fraud trigger or unverifiable identity with landlords and such.
11/05/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 75227	Web
As I stated in a previous complaint, XXXX XXXX ( once managed by XXXX XXXX XXXX XXXX, and XXXX, NOW CURRENTLY managed by XXXX XXXX ) has been unfairly discriminating against me since I moved in and out of their terrible apartment community. Their community is infested with bugs, vermin, and the like ( both people and animals ). I had a horrible time attempting to fix issues that started with their improper leasing and discriminatory acts. The actors responsible include " XXXX XXXX '' previous agent and the current leasing agents. While I do not remember all of their names, I have documented proof of their racial animus and bias. I moved in. They checked my credit twice, without asking the second time. There were issues with my health and I attempted to pay them on time, each time, but their partner in crime, XXXX and others, internet portal NEVER worked on payday. Even though their systems did not work, and this was due to their negligence and improper communication, they refused to take responsibility for their actions. I confronted the front desk staff multiple times, initially, they were " kind '' and offered rebates but never offered to take full account for their errors. About a month or two before I moved out, I was told the company was sold to XXXX and that any continuing issues needed to be taken up with them. This is categorically unfair as well because PREVIOUS PAYMENT arrangements were discussed with the previous leasing agents, but the current, and subsequent, refused to check their records and acknowledge their faults. Each time I went in the office they were " doing audits '', but they could never accurately describe the issues with my payment UNTIL, they " decided '' to evict me. My payments, if the system would have worked, would have never been late, I had ONE noise violation, while others, often times were louder than me. I was promised when the lease was signed a quiet environment to conduct business and personal behavior, BUT, that never happened either. ALL in ALL XXXX XXXX is trash. Their leasing department is racist. You can even check their website. It states they welcome ADA individuals and the like, but they treated me, my illness, my puppy assistant ( XXXX ) and I as if we were a problem, when if you ask anyone else in that community, we were nothing but nice. I don't appreciate a false eviction on my record, nor do I appreciate a new debt collector attempting to recover debts that were the product of racism and negligence in the first place.
01/23/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MI 48917	Web
I had a lease with XXXX XXXX XXXX michigan that endedXX/XX/XXXX. I paid my rent as agreed in the lease for the entire 12 months. In XXXX i subitted my written notice to vacate with my rental payment. The check was cashed. When i turned the keys into the office on or about XX/XX/XXXX they asked me to fill out a form and i did so. I think the company is using that form and ignoring my written letter from 60 days prior to say i violated the notice clause in the lease. I never received my XXXX security deposit and i did not get a list of damages from the apartment complex within 30 days, but i did give them an address within 4 days of vacating as set by law. I called once to inquire about the security deposit but no one ever called me back. On XXXX or about 90 days after i vacated and lease expired i received a notice from XXXX and XXXX stating I owe {$1500.00} to them for the apartment. I called the apartment complex first and they gave me this collection co number to answer any questions. I called and asked how they came up with {$1500.00} in charged and they stated I didnt give 60 days notice to vacate and they said there was damage to the apartment. The collection company said the debt will be eligible for a judgement on XXXX XXXX th, which I took to mean I was Being sued but they couldnt/wouldnt tell me where. I believe the threat of legal action is not appropriate because the apartment has not followed the law on how they handled my security deposit and in Michigan a landlord has 45 days to start a law suit which they failed to do and typically this means after that deadline it is not a legitimate debt. The collection compsny demanded {$1500.00} and i sent a certified letter disputing the debt and asking how they calculated the fees. They responded onXXXX with a statement showing a {$1200.00} nonsufficient notice fee that is not listed in the lease. This statement was dated XX/XX/XXXX but it was never received by me and when i called the leasing co to ask about the security drpisit no one ever called me back and when i called after getting the first letter they referred me to the collection company who demanded the money and told me they would seek legal action on XXXX XXXX th- whic is a weekend. I felt threatened that if I didnt pay this would create legal problems for me and destroy my credit. Because they wouldnt tell me how I could defend myself against a lawsuit from them I felt like i had no option but to cooperate with them and give them information they were seeking.
06/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 02302	Web
Hi FAIR COLLECTIONS AND XXXX XXXX XXXXXXXX XXXX XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
02/23/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	DC XXXXX	Web
I am filing a complaint against Fair Collections & Outsourcing, XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX. They are the debt collections agency for XXXX at XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX VA XXXX. I believe they violated the law by using deceptive and unfair collection practices and ignoring the 30 day period allowed for debtor response by mail. The first letter they sent to me in XX/XX/XXXX was an offer in writing with terms for me to satisfy the debt at 50 % payment {$660.00}, but also stated that it was " subject to change '' and I can only get a verbal final offer. I think this sets up the collections agency to be able to harass me over the phone, or do a bait and switch for settlement terms. It is my understanding that collections agencies are required to make all notices in writing and requiring a call violates noticing law. I responded in XX/XX/XXXX making them a counter offer of {$500.00} if they agreed to show the account as paid in full and remove it from all my credit reports. I agreed to pay them within 30 days of receipt of an acceptance letter. In return, they mailed me a letter stating that they would only take {$660.00} and it had to be received in their office within 15 calendar days. The assumption period for a debtor to receive a piece of mail is 5 business days, and the amount of time I have to respond is 30 days after the date of receipt of the letter. Demanding the letter be returned within such a short amount of time violates the CFPB allotted time period for correspondence. This was also in the month of XX/XX/XXXX when mail across the nation was delayed which creates an even more unreasonable burden which I noted in my response letter to Fair Collections & Outsourcing. I responded with another counter offer stating that I would pay the {$660.00} if they agreed to remove the collection from my credit reports, mark the account as paid in full and accept payment within 30 days of my receipt of their letter. The mailed me a letter agreeing to these terms. They deposited a check for {$660.00} on XX/XX/XXXX. As of today, XX/XX/XXXX, my XXXX credit report does not show the debt as being paid at all and my XXXX credit report shows it as being only partly satisfied. I specifically said I would only pay if it showed paid in full and fully satisfied. They mailed a written agreement to terms and have violated these terms. This the definition of a deceptive practice and they did not uphold their side of our written agreement.
03/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AL 362XX	Web
My daughter, XXXX XXXX, and I were in an annual contract with XXXX XXXX for XXXX XXXX XXXX XXXX, in XXXX, NC XXXX for the year of XXXX. Once the annual contract was over, the apartment was released back to XXXX XXXX on XX/XX/XXXX fully cleaned except for a large bed frame that I was unable to remove due to me being XXXX. I traveled to North Carolina from Alabama and spent 15 hours cleaning the apartment and made a video of the final view of the apartment before I left and placed the key under the rug at the front entrance of the office as was requested by XXXX XXXX. XXXX XXXX then sent a ledger stating that there were charges to the apartment including the damaged front door from an emergency fire event in XX/XX/XXXX, the large bed and frame that was left there ( which I did advise them of ), the loss of my security deposit, and their decision to replace the ENTIRE carpet in the apartment based on recommendation advice they received from the maintenance department that the carpet was not 'salvageable '. In addition to the video I made, I have proof that the payment for the door to be replaced was paid for by the XXXX of XXXX. In the video that I took, there is further proof that the carpet was intact. During the season of COVID 19, my daughter lost her job but was able to get financial assistance from XXXX XXXX for the month of XXXX through XX/XX/XXXX in the amounts of {$4400.00} and {$3600.00} which was paid to XXXX XXXX via check and also one direct deposit for the latter amount. Although attempts were made since XXXX to dispute the final ledgers, both my daughter and I received a collection notice in the mail from FCO ( Fair Collections & Outsourcing ) for a total amount due of {$6400.00} which is incorrect and fraudulent. In an attempt to have these fraudulent charges removed from our 3 credit reports, we contacted XXXX many times since XXXX to send proof of payment ; we finally received the proofs of payments on XX/XX/XXXX. Although I sent an email to FCO the following day and attached the proof of payments from XXXX, FCO sent me an email today, XX/XX/XXXX ( upon my request of an update ), that states that we still owe the debt. Again, this is invalid and fraudulent, so we are adding FCO to our lawsuit against XXXX XXXX in that this issue has caused both of us to lose out on credit opportunities for more than 1.5 years, emotional and financial damage, driving expenses, our security deposit, false reporting to the credit agencies and undue stress.
10/18/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30349	Web	Servicemember
As a Federally Protected Consumer, Original Creditor, Principal of all accounts created by my seal/signature, I order XXXX to make recompense and pay redress and compensation for their trespass against me. XXXX has been attempting to extort and rob me using deceptive, false and misleading, abusive practices against me personally, my family and my household. This is criminal activity at least and is unacceptable by every means. You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation XXXX not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name. 18. Invasion of Individual and Family Privacy
11/05/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30349	Web	Servicemember
As a Federally Protected Consumer, Original Creditor, Principal of all accounts created by my seal/signature, I order FCO to make recompense and pay redress and compensation for their trespass against me. FCO has been attempting to extort and rob me using deceptive, false and misleading, abusive practices against me personally, my family and my household. This is criminal activity at least and is unacceptable by every means. You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name. 18. Invasion of Individual and Family Privacy
04/08/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60605	Web
On XX/XX/XXXX I contacted FCO debt collections to inform them that I have been negatively impacted by the current global health pandemic COVID-19. I informed them that I am currently out of work and I needed to renegotiate the payment plan that we have. I spoke with XXXX XXXX. Ms. XXXX refused to tell me what options I have. She stated that there was nothing she could do and that she was cancelling my payment plan. I did not request to have my payment plan cancelled. I asked her what is the minimum payment that I can make during this crisis. She refused to answer me. Ms XXXX then proceeded to tell me that I have until the XXXX until the cancellation, that I did not ask her to do, will show on my credit. I asked her if there was any other option. I reminded her that this is an event effecting everyone. I reminded her that I have not missed a payment and that I do not want to cancel my plan. I simply would like to modify it until the stay at home order is lifted. Ms. XXXX said there is nothing she could do and that she cancelled the payment plan. I did not request a payment plan cancellation. I simply needed a modification of my payment while we are going through this crisis. This is completely unacceptable behavior as I have not had any issue with paying my monthly agreement prior to the global health crisis. I attempted to contact FCO repeatedly following this phone call and left a number of messages letting them know that I would like to speak to someone regarding my debt. No one answered my phone call. No one returned my call. On XX/XX/XXXX, the date that Ms XXXX threatened would be the day she would add her change to my payment plan to my credit, I received a phone call from her about my debt. At this point she has forwarded the amount to my credit, although I did not request to cancel my payment plan. During the course of my original payment agreement Ms.XXXX also contacted me at work which is against the FTC guidelines for debt collection. I would like to formally file a complaint against Fair Collections and Outsourcing, and XXXX XXXX, for cancelling my payment plan against my request, for refusing to answer my call following this abuse of power, for threatening me with negative credit reporting, and for harassing me by calling me at work. Ms XXXX has my number and I have been very good about keeping in communication with Ms XXXX and FCO. Therefore, there was no reason for her to contact me at work. Thank you.
07/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30305	Web
I hope this letter finds you well. I am writing to bring to your attention a significant error in my credit report that requires immediate attention and resolution. Upon reviewing my credit report, I have discovered a collection account listed under the name of Fair Collections & Out, with the original creditor being XXXX XXXX XXXX, in the amount of {$21000.00}. I must assert that I am not responsible for this debt. I would like to emphasize that this collection account is a direct result of identity theft, as duly documented in the attached police report. This incident has caused substantial distress and inconvenience in my financial affairs. As per my previous communication with your company, this serves as my second notice regarding the matter. Under the provisions of the Fair Credit Reporting Act ( FCRA ), it is imperative that accurate and up-to-date information is maintained in credit reports. As a responsible consumer, I am fully aware of my rights and responsibilities in ensuring the accuracy and integrity of my credit history. In light of the aforementioned information, I kindly request that XXXX undertakes the following actions promptly : 1. Conduct a thorough investigation into the validity of the aforementioned collection account, considering the documented evidence of identity theft enclosed with this letter. 2. Temporarily remove the disputed collection account from my credit report during the investigation period, in compliance with the FCRA guidelines. 3. Provide me with written updates on the progress and outcome of the investigation within the legally mandated time frame of 30 days. 4. Correct any inaccuracies found on my credit report resulting from this erroneous collection account, once the investigation concludes in my favor. I firmly believe that the FCRA requires XXXX to act diligently in investigating and resolving this dispute. I trust that your organization will handle this matter with the utmost professionalism and adhere to the regulations set forth by the FCRA. Please acknowledge the receipt of this letter within 15 days of its delivery. I appreciate your prompt attention to this issue and look forward to a swift resolution. Should you require any further documentation or information, please do not hesitate to contact me at the provided contact details. Ive attached the identity theft police report for your documentation purpose. Thank you for your immediate attention to this matter.
03/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NV 89002	Web
I lived at an apartment complex in 2019 in XXXX Washington and moved out at the end of the year. When I left I was given a balance statement showing my balance as paid in full and my refund coming. At no point did I receive any contact from their management office about a balance owing and only heard so when I pulled my credit report and saw an item for {$6000.00} from a debt collector. I reached out to the collector directly and they couldn't understand why an individual would be demanding about having an erroneous item removed from their credit report but, I was in fact and let them know I'd also been a victim of identity theft. They let me know this was not that but that the management office sent them a balance/invoice showing I owed them a " returned sum '' that was sent back or revoked. I contacted the management office to learn more about this and they said I had a 'returned payment '. I asked for detail about this and they shared a balance sheet with me where I highlighted the error in their accounting showing them charging me $ XXXX for a " returned sum '' for a line item that was paid for via Live Check. A Live Check / Money Order can not be " returned '' as the funds in the actual check themselves not like with a Debit card or ACH which I have on the statement as well and you can see the difference. I asked the manager XXXX XXXX XXXX who shared this about this and she could not explain it at all, I asked to be connected with their Accounting Department to verify this multiple times and they ignored my requests and could never provide any documentation or validation about the line item in question, other than the fact that it is an ERROR and they are ruining my credit over it. The line item in question and the cited payment are highlighted and attached. ADDITIONALLY, I reached out to XXXX XXXX XXXX XXXX directly about letting them know about this statement and update, the agent I ( attempted ) to speak with seemed to have difficultly spelling words and understanding complete sentences and was unable to even get to the point in the call where they could ascertain why I was calling- just that they knew they did not have the skills or training to help me and would need to have someone else do so. They said everyone capable at that time was unavailable and they would have to call me back- they did not know when this would be when I asked for a timeline and I never heard from anyone on their team.
03/18/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77079	Web
After a string of robberies, including a few at gunpoint, I decided to move out of XXXX XXXX XXXX. I made this decision after Management refused to move me up to the 2nd floor or higher in the interest of safety since most of the robberies took place on the 1st floor where I lived. They kept making promises to move me and never did. On XX/XX/2018 I gave up the keys and moved out. On XX/XX/2018, they sent me an inflated " Interim Bill '' of {$4800.00} which was totally ridiculous and out of spite. I indicated to them that I will not be paying the bill because it is inaccurate and exaggerated. On XX/XX/2018, they allegedly sent over the " Final Bill '' to Fair Collections and Outsourcing in the amount of {$4000.00}. Here are the contradictions between the interim and final bill : 1 ) The final bill has a balance of {$4000.00}. The only way the final figure would have been reduced is if I had made a payment. I did not make any payments, I refused based on inaccuracy in the first place. Under the circumstances, the final bill should be either equal to or more than the interim bill, unless someone somewhere is just cooking up figures out of spite and makes an error along the way. 2 ) The interim statement correctly indicated that I gave up the keys and moved out on XX/XX/2018. However, the final statement indicates that I moved out on XX/XX/2018. How exactly did I move out of an apartment 36 days after giving up the keys? The entire thing makes no sense and is consistent with mal-practice. The collection company has been made aware of my observations and have refused to discontinue reporting this inaccurate item on my credit report. I also went a step further and requested a verifiable letter from an individual with original knowledge of the debt who can testify that the debt ( whichever figure it is ) was not used to receive a tax benefit or in an insurance claim. They flat out ignored that request. Interestingly enough, the lease at XXXX was a joint lease with " person A '' and Myself. " Person A '' wrote a letter to the collections company highlighting these very same observations, after which they quickly replied to apologize and discontinued reporting. Why then should it stay on my report? " Person A '' and myself were equally liable on that lease. You add it on her credit report, you add it on mine. You remove it on hers, you must remove it on mine. The same reason for removal applies to both.
09/15/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MI 499XX	Web
XXXX XXXX XXXX owned by XXXX XXXX in XXXX, Michigan added {$1400.00} non-itemized damages to my resident ledger after I moved. I notified management that my family would be moving out at the beginning of XXXX. We lived at the same apartment XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX and moved out on XX/XX/XXXX. The lease was through XX/XX/XXXX and I paid for that month in full. Management was notified on XX/XX/XXXX that we would not be renewing our lease. I spoke to management on XX/XX/XXXX and was given a final payment of {$940.00}. My security deposit of {$840.00} was never returned and I started receiving collection calls from Fair Collections and Outsourcing XXXX Inc. beginning in XXXX. I called the collection agency to find out what the balance was for as I never received any documentation from XXXX XXXX. I was told that there were balances for utilities for XXXX as well as " Damages '' They could not produce any listing or evidence of the damage. The apartment was an older apartment when we moved in. No updates had been made in many years. There were several repairs reported to management while my family occupied the apartment. Item number 18 of our lease is Owner 's duty to repair. There were many repairs needed while my family lived there. All were reported promptly and none were caused by my family and none were repaired correctly. This includes a broken window, water leaking into the main bedroom causing mold, mold and no working fan in the bathroom, the stove vent did not vent outside of the apartment, a leak from the upstairs apartment into our kitchen light socket, and the furnace was leaking water into the living room. In the storage area there are boxes of previous tenant records that are available for anyone to rifle through, it is not a locked area. This management company is sloppy and has been a detriment to many renters and past renters. I have disputed this collection because I do not believe there is {$1400.00} of damage. I believe this company is trying to extort money from me to upgrade their apartments. I received nothing from the credit agencies but it is noted on my credit score that the collection meets FCRA requirements. I have heard from other previous tenants that the same charges were added to their ledger after moving as well. I would like a list of what these damages are. How can I dispute these damages when I don't even know what they are?
09/01/2017	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	CA 92117	Web
To whom it may concern, My name is XXXX XXXX XXXX and I lived at the Village in XXXX XXXX XXXX XXXX, an XXXX XXXX Apartment complex. We moved out on XXXX XXXX XXXX from the village and we " accumulated '' {$930.00} worth in move out fees ( Attached to this email is the balance sheet ). I have tried in multiple occasions to contact them and XXXX XXXX and I have had the run around for a while. I used services such as the XXXX, XXXX XXXX XXXX XXXX ( Complaint ID : XXXX # XXXX ) and other bureaus to seek mediation and they have still been negligent to handle our problems. The Village has in multiple times tried to collect the debt from my roommates XXXX XXXX XXXX and XXXX XXXX XXXX with out notifying me even sending letter with only their names and not mine. I have reached out to them thru different dep and was able to get help in the matters. On XXXX XXXX was the last time I emailed the Assistant Manager at XXXX XXXX and requesting her to please escalate my concerns to her Manager since I have been requesting information and she has not been addressing my requests. The dispute is pictures they are providing showing that our carpet was above normal wear and tear and are charging us for the full replacement of the apt carpet and the decon of the cement because they are stating that the stains were so bad that the cement was damaged. After requesting images of the cement, the dimensions of the stains ( since we could not make out the size of the " stains '' thru the pictures ), the carpet ID # on any paper work that we signed ( since they provided a picture with the ID # on it but our paper work does not reflect that ID or anything of that matter ) I never received an email from XXXX XXXX or XXXX company since I did CC them on the email and no one responded back. On XXXX XXXX XXXX my roommate XXXX XXXX received a letter from XXXX XXXX XXXX XXXX stating that XXXX XXXXXXXX sent the expenditures to them for collections. I do not understand why XXXX company keeps doing such things if they have been negligent to respond to me and I never received a letter XXXX XXXX and XXXX still live with me in a different address ) nor did XXXX. I contacted XXXX and discussed the matters and they stated that they did not have our addresses yet they had Isabels and we all have our letters from the Post office when we requested the address change and we provided that address to XXXX XXXX.
03/25/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 71203	Web
FCO has been trying to collect money from me for an apartment that moved out of and paid in full back in XX/XX/XXXX. I gave the leasing office a 60 day notice as I had gotten a new job to relocate out of state. I told The XXXX XXXX XXXX prior to signing my lease that I would probably be moving due to my job and they said it would not be a problem as long as I give them a 60 day notice, which I did. I was told when I moved out XX/XX/XXXX and gave them the keys that I did not owe anything because I gave them the 60 day written notice. At that time I moved from XXXX Florida to XXXX XXXX and they said I was good to move with no more financial obligation. I began seeing Fair Collections and Outsourcing on my credit report late XX/XX/XXXX and immediately I started disputing with the credit bureaus. I've been disputing with the credit bureaus every since. They claim I owe a balance of {$2900.00} and that is not the case. After dispute after dispute, in XX/XX/XXXX I finally saw that XXXX had removed it from my report but the other reports still shows the collections so I contacted the collection company directly. They were extremely rude and threatening to sue me. Just to be done with them I sent a pay to delete letter, just to get them off my report so that I can find a decent place to live. I called back a few weeks after I sent the letter and was told they were willing to settle for {$700.00}, please keep in mind I never owed anything per the apartment complex. When I tried to contact the apartment complex they say contact the credit bureau, the credit bureau say contact the collection agency, it's a vicious cycle. Anyway, I agreed to settle for the {$700.00} and they said they would be emailing me a confirmation of that pay to delete settlement amount, 3 weeks later, no letter and now when I call I get someone different everytime who claims to know nothing about the agreement and demands me to pay the XXXX in full. This has gone on long enough, I want my account deleted because I don't owe the debt they are claiming. I was merely trying to settle to finally get a decent place for me and my kids to live. This company continues to harass me even though I've tried to work with them, now they are threatening to sue. This is beyond ridiculous. This is impacting my life and financial freedom to provide for my family as it is being reported to my credit file.
05/04/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33063	Web
In response to complaint : XXXX FAIR COLLECTIONS & O ACCOUNT NUMBERs : XXXX XXXX / XXXX / XXXX XXXX XXXX XXXX FL XXXX , XXXX , CA XXXX Phone : XXXX Fax number : XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify FAIR COLLECTIONS & O or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commissions police report Notice to Furnishers of Information. It explains y our responsibilities under the Fair Credit Reporting Act ( FCRA ). The FC RA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commissio n FAIR COLLECTIONS & O acc # XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX , XXXX XXXX XXXX XXXX # XXXX DOB XXXX / XXXX / XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX , XXXX , FL XXXX
01/25/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MD 21244	Web
I was living at the XXXX XXXX XXXXXXXX XXXX in MD. I moved XX/XX/XXXX, XXXX My landlord would not renew my lease during the pandemic so the money I had, needed to be used to move., the landlord was harassing me to move until the attorneys generals office contacted her to let her know this could not be done, so in good faith I applied for the eviction prevention program back in XXXX, I received a message from the department to submit a letter from my landlord requesting the amount., the amount the landlord claimed I owed, was out of this world.. I lived in the apartment for 5 years so everything was normal wear and tear.. they never contacted me to let me know the eviction prevention program never contacted them..., as of XX/XX/2021, their collection agency have reported me to the credit bureau, no one ever contacted me about repaying the debt since the eviction program never issued a check.. I was just informed from calling the eviction program, my application was denied.. no one never contacted me. Had I knew I would have made payments arrangements to prevent this from being reported to my credit report, normally a credit contact you before they precede with referring you to collections.. this company was already mad, well XXXX was already upset that I reported her to the attorneys general office., therefore it was reported without contacting me first.. the XXXX never contacted me so I assume the debt was paid, even though they got over on me with the amount. This situation happened during the pandemic.. I didnt have the money to pay and move., in the process I caught covid and had to quarantine but of course they wouldnt care.. this collection has affected my credit drastically and would like for the debt to be removed, I was affected during the pandemic and didnt have XXXX dollars to pay.. I still fill like that amount was personal. They couldve at least reported affected by a natural disaster because I was,, hours was cut and everything on my job.. so how could I possibly afford to pay then XXXX and move. My moving cost added up to that because she refused to allow me to stay one more year.. when I begged her, her exact words was do you have family or a hotel you can take your kids.. so I was forced out during a pandemic with XXXX small kids.. had I not been forced out, the money I had I couldve paid my rent instead of using it to move..
02/08/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90247	Web
XXXX XXXX has acted in bad faith in violation of both California law as well as Federal law by illegally retaining my security deposit and deducting expenses without providing valid documentation. The debt Fair Collections and Outsourcing ( FCO ) is attempting to collect on their behalf, {$610.00}, is invalid. I sent the attached letter by certified mail to XXXX XXXX detailing that they were in violation of California law and had not provided me with any receipts detailing the deductions taken in compliance with their obligations as a landlord. I also explained that any further action taken to collect or retain my deposit would be considered as being taken in bad faith and that they would be liable for enhanced penalties, attorneys fees, and fines should further legal action become necessary. After XXXX XXXX received the letter on XX/XX/XXXX, they stopped responding and refused to send my security deposit refund as required. Several months later I was contacted by FCO and notified that this illegal and alleged debt owed by me had been referred to debt collection in bad faith, thereby placing them in violation of the FCRA. In addition to the issues stated above, I also dispute the charges listed as being patently untrue and blatant attempts at scheming more money out of their tenants. For instance, the move in sheet provided in the documentation sent by FCO clearly states that the apartment was in an unclean condition at the time of move in, XX/XX/XXXX. This sheet was signed by XXXX XXXX acknowledging the condition at the time. Therefore, as required by California law, I am required to return the apartment in the same condition received, minus any normal wear and tear. The carpets were in great condition as evidenced by the move out inspection conducted by XXXX ( head maintenance employee ) as well as the apartment in general. As for any stains or damage to the oven range and the refrigerator, the maintenance records retained by XXXX XXXX, which they refuse to provide, clearly show that these units were old replacement units brought in mid-way through my tenancy since the original units were broken. These units came with stains and damage already on them and this was acknowledged by both XXXX and XXXX, employees of XXXX XXXX. Lastly, the bill for XXXX is incorrect and should not have been deducted from my security deposit.
04/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 22701	Web	Servicemember
I have dispute multiple times with over the course of a few years about credit errors on my credit report.. I have reached out to the companies that have been reporting and I have notified the credit bureaus that the errors exist and every time I dispute them the end result is that it meets requirements. I have notified XXXX XXXX that the wrong debt collector is reporting on a collection account. I have tried to dispute it and twice it has come back that meets requirements. XXXX XXXX Is reporting on a XXXX account that has been bought by another agency and this has been disputed and and the credit bureaus will not remove it. I have reported that an apartment community its charging me incorrect balances over the past four years on both XXXX and XXXX. At one point I had double entries for the same collection account. And they will no longer allow me to dispute it online which I dont think its fair when it is in accurate. I have a payment agreement with XXXX XXXX which is showing the incorrect balance based on the payment agreement is still showing my total balance and its not showing my current payment history or balance with them. XXXX XXXX which is been reported by XXXX XXXX XXXX has been informed that XXXX XXXX has fraudulently attempted to collect A substantial amount outside of what i owe to them and I cant get this corrected.. I had a lease fraudulently signed in my name and have been charged a termination fee because I was not living there during that time and cant get that off of my credit report.. I have been denied a job with the Department of Justice, denied a security clearance multiple times and most recently denied housing because of these errors. For someone whos trying to correct their finances I dont think that its fair that I can not reach out to these individual entities and get this corrected myself without having to pay someone they are taking advantage of the consumers ignorance towards the fair credit act and reporting.. I also do not believe that if an entity doesnt report my payment history at all or even good payment history ( ex : cable, cell phones, colleges, utility companies, insurance, rental payments, etc etc ) and when it is good they should not be allowed to report when consumer has financial difficulty and is unable to pay. It is a predatory practice and it is not fair to the consumer.
11/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89002	Web
I disputed an entry on my credit report with XXXX XXXX XXXX and uploaded XXXX pages of documentation detailing a seven month effort to validate this entry. I reached out to the contact address and email listed ( as I'm XXXX low hearing do don't engage via phone ) and per both Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) this entry should be deleted from my credit report. I sent a written and electronic request to the collector and they were unable to respond back with the legal requirements and requested pieces of information. I shared a copy of the letter with the itemized pieces of information I was legally due and wanted to see and they responded they were unable to provide this information. I shared this thread and again multiple documents as reference points with XXXX and they shared an auto generated template about what their role in the dispute process is and how it's simply to ensure the items the collector has have the same name and contacts on my credit profile. No request for the original creditor, a valid contract between parties, receipt of a debt- as I have documents that I owe no such debt. And then as a collector, authenticity of their authority - their collector 's agent license number, evidence of their legal right to collect in the state of Nevada where I live, and if this is an actual debt, record of the transfer of ownership or receipt of sale of debt. Not only was none of this provided, the collector in question provided no method to contest the debt or intake verification that it was not valid. I presented all of this to XXXX, along with multiple threads and documentation of being a victim XXXX times over of a data leak by XXXX large XXXX XXXX companies and my own personal identity stolen and fraudulent accounts and action taken in my name. None of this was handled correctly to remove the entry and now I have been denied housing because of this illegal error and XXXX is ( rightfully ) bracing for contact from my legal counsel until this is removed. I would love for this complaint to evade that process and for XXXX to allow a mediator to help them see this is a failure on their part that need to be rectified immediately, but I also want all consumers to know this is victimization and exploitation by careless process on XXXX 's part as well.
04/26/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	WA XXXXX	Web
We found out about the outstanding debt from an outside source, months after the debt had been placed on my credit report. We were applying for an apartment, when we were informed that there was a debt owed to a previous apartment complex. I contacted that apartment complex on XX/XX/2020, only to find out my debt had been transferred to a collections agency. After getting the name and number of that agency, I reached out to them through a phone call and tried to get more information. Neither the apartment complex or the debt collection agency made any effort to contact me via phone, email or mail to notify me of the debt before it was placed on my credit report. I was given no option to pay, dispute or otherwise keep this debt off my credit report. When I called the agency, they were reluctant to share information. I was given the outrageous amounts for TWO accounts and I was told the name of the agent overseeing those accounts for this debt, given a phone number for him and an email for the company. I was told I could not get information unless I emailed a request for one. So on that same day, XX/XX/2020, I sent an email request for an itemized bill. On XX/XX/2020 I received email responses. One for each account, but I could not see any itemization for either bill. I saw the amounts, but nothing more - and I sent another email letting the company know I had received the bill amounts for each account, but did not see the itemization I requested. I received a response within a couple of hours, letting me know I should have received the bills via email - and I have received no further communication from that collection agency since. I have not received the letter of acknowledged communications in the mail that was supposed to be sent five days after I reached out to them - and I still have not received a call, or email with explanations for the charges. I have sent a letter disputing the charges and their handling of those accounts. I have protested that I was not given any information about this debt before it was put on my credit report - and their mishandling of overall communications with me about this debt. I just wanted to make the CFPB aware of this company and their practices so no other consumers would be caught out with a debt on their credit reports without awareness by this company.
01/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60453	Web
This letter is being sent to you in response to a notice sent to me on XXXX18 in response to a listing on my credit under XXXX XXXX XXXX XXXX " XXXX ''. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. The investigation was shown as verified and there was no information sent to me at all, so how could it possibly be verified? No contracts or signed documents were sent to me at all. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. Best Regards, XXXX XXXX
02/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	FL 33624	Web
An account from and old apartment complex was sent to Fair Collections & Outsourcing , Inc, the company failed to notify me that an account was placed in their office for collections, no letters were sent and no phone calls were made, i had no knowledge of this debt until i pulled ac copy of my credit report and noticed they made an inquiry to view my credit history, i immediately called the company regarding this to get understanding of what this debt was, the representatives were rude, they would hang up on me, they would keep me on extensive holds and their excuse was they had to take multiple calls at once which is completely ridiculous where i could n't even get my questions answered because the reps were rushing me and completely out of character, i disputed the validity of the debt because the charges were absurd and were made up, i immediately contacted the original creditor via telephone XXXX and spoke to a XXXX XXXX who had the correct charges disputed and advised me that she will advised the creditor they need to take a payment plan from me once they received the correct balance updated and someone would reach out to me to set up the payment plan, i confirmed with XXXX that this account owls not be sent into collections as long as i made payments and she assured me that it wouldnt, a few months went by and nobody contacted me by phone to tell me they received an updated list of charges and would be setting up a payment plan for me that would fit my budget, instead i get an email from the credit bureaus stating the account was reported on my credit report, i contacted the company and immediately asked they remove this from my report since i was not given adequate time to even pay this balance nor was i notified they updated the correct billing charges, i spoke to a representative named XXXX who was extremely rude and refused to assist me and told me he was n't removing this from my report, this company has violated many laws of FAIR DEBT COLLECTION ACT, from not notifying me of my debt, to listing items on my credit report without my knowledge of even owing the debt, from being disrespected and mis treated by representatives and having up on me and failing to collect the correct amount due of the balance owed after being instructed specifically by the creditor.
06/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32506	Web	Servicemember
I have included a detailed timeline with the events of XXXX XXXX, my old apartment complex falsely accusing me of a repair, then proceeding to try to sue me for it, followed by sending it to collections. This occurred while I was XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA as a new XXXX XXXX XXXX. I have submitted multiple disputes with each credit bureau. XX/XX/XXXX I was falsely accused by XXXX XXXX for causing an electrical issue after calling their emergency services number. The unknowledgeable general maintenance man accused me of working on an arcing electrical panel when all I did was turn off the breaker to prevent a fire. XX/XX/XXXX They had the panel replaced after leaving us without power for multiple days in the middle of summer. XX/XX/XXXX After receiving the abnormally high repair bill of {$4500.00}, they deemed I was at fault somehow causing a faulty breaker to randomly start arcing and ruin the panel. XX/XX/XXXX I have my first meeting with a XXXX XXXX XXXX XXXX and receive a referral for a civil lawyer in town specializing in tenant cases. XX/XX/XXXX We hire XXXX XXXX with XXXX XXXX XXXX to represent us. XX/XX/XXXX XXXX XXXX represents us in court. XX/XX/XXXX I move from Virginia to Florida for my new duty station. XX/XX/XXXX The apartment complex contacts my lawyer deciding to not go forward with the case. We received a letter deeming it a non-suit by the courts. XX/XX/XXXX I receive my move out documents with the repair bill balance still on it, giving me until XX/XX/23 to resolve it or they will send it to collections. XX/XX/XXXX Emails were exchanged between myself and the apartment complex, as well as our attorneys. XX/XX/XXXX XXXX XXXX admits because the case was deemed a non-suit it can be reopened whenever they want. They say they are opting to use an alternative method to collect money owed. XX/XX/XXXX I am contacted by phone by FAIR COLLECTIONS & OUTSOURCING. I tell them I am disputing the charges as I am not responsible for them and refer them to my attorney. XX/XX/XXXX XXXX XXXX sends his letter of representation to the collections agent XXXX XXXX. XX/XX/XXXX I begin submitting appeals to the credit bureaus after seeing my credit score take a drastic hit. XX/XX/XXXX After three failed submissions, I was referred to the CFPB.
04/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48239	Web
Earlier this month ( XX/XX/XXXX ) I pulled my consumer report and notice that an account that shows as a collection ( placed on my consumer report XX/XX/XXXX, account XXXX ) is still being negatively being reported on my XXXX consumer report. I have tried countless times of communicating with the both of these companies pleading that this account does not belong to me ( XXXX and XXXX Collections & Outsourcing ), however I have no response. I, hereby state as a natural consumer have never authorized or gave consent for this alleged collection that is misleading and inaccurately reporting by this company. I do not recognize this alleged collection, and upon of asking the company for debt validation including my wet signature, thumb print, photo ID, original contract ( s ), my authorization and consent of this alleged collection, Fair Collections & Outsourcing has not responded nor sent me debt verification. This matter has caused me such stress and anxiety. I have emotional distress due to the fact that this alleged collection has been placed on my consumer report shows that I am not protected as a consumer from XXXX or this company. This alleged debt is causing harm against my livelihood as I can not be approved for mortgage loans to purchase a house for my family. I do not know where this alleged collection has come from. This company has invaded my privacy, is defaming my character and credit worthiness. This company is in violation of 15 U.S.C 1692, 15 U.S.C. 1692g, and 15 U.S.C. 1692e. I have sent in a debt validation letter for the company Fair Collections & Out to send me any evidence or proof that I signed or consented to this alleged collection or given any evidence requested on my behalf on how this collection belongs to me. I will conclude that Fair Collections & Outsourcing is either unwilling or unable to furnish original FACTUAL documentation with leading and actual evidence of myself authorizing the alleged collection. Apparently, Fair Collections & Out company has a distressing reputation of alleged debt reporting against consumers and repeatedly breaking the law of reporting on consumers, per the 2015 case Jarzyna vs. Home Properties, et al., whereas Fair Collections & Outsourcing was charged with violating the Fair Debt Collection Practices Act.
07/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CT 062XX	Web
A request was made by me to terminate my lease at Pleasure Bay Apartments, XXXX XXXX NJ prior to the end of the year term due to a job change in another state for a move out date of XXXX XXXX XXXX. The original year lease was until XXXX XXXX XXXX. A week prior to moving out I visited, in person, the XXXX XXXX Office on XXXX XXXX. An employee of XXXX informed me that there are other tenants that are scheduled to move in XXXX XXXX so I am able to terminate the lease early without any penalty. Prior to that in person meeting there was no communication received from XXXX XXXX regarding the situation of incoming tenants even though the request was made in XXXX XXXX. I then started to make arrangements to move out and move into an apartment in Connecticut under the impression that if the information I was told changed in any way, I would be notified of the changes. No update was received. The move out date of XXXX XXXX came, and I moved out. A month later, I received a bill which included final charges related to wear and tear from 4 years living there as well as a charge for one month rent. I then called Pleasure Bay Apartments about the charges and disputed the month rent charge. They informed me that the incoming tenants never moved in and that I was liable for XX/XX/XXXX. This is the first time I was informed of a change in the verbal agreement that I received on XXXX XXXX XXXX. During the call, I disputed the charge with a woman from XXXX XXXX. An agreement was never met and this is the last contact from Pleasure Bay until a call from a collection agency on XXXX XXXX XXXX If I had be told of the incoming tenants moving out I would have cancelled my arrangements and continued to stay at Pleasure Bay until a tenant was found. Instead I was never contacted and as a result I have been charged for the apartment for XX/XX/XXXX when I never used it. They were aware of me moving out because they never contacted me after to reschedule another move out date and took it upon themselves to move me out next month and send me the bill then. All the paperwork, including the bill received, the person I communicated with at XXXX XXXX, the statements that were made by her, as well as any paperwork related to living at XXXX XXXX, and the collection agency letter are available.
01/14/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY XXXXX	Web
I was issued a Cashier 's Check drawn from XXXXXXXX XXXX XXXX XXXX. The cashier 's check was for the total amount they are attempting to collect, however, the amount of cash which was actually withdrawn from the account at the time the check was cashed was much less. The Cashier 's check was for : FAIR COLLECTIONS & OUTSOURCING Potentially Negative Date Opened XX/XX/XXXX Balance {$3900.00} XXXX account. {$3900.00} past due as of XX/XX/XXXX. There was about {$200.00} in the bank when the check was deposited. The check was not as it appeared, it appeared legitimate and the banker at the drive through verified funds. There was then a later activity on the account where a representative from XXXX Bank accessed the account, and entered the total amount of the check as being withdrawn, a negative amount rather than the difference between the balance at the time of the deposit, the amount withdrawn from the account at the time of the deposit ( less cash written in the lower section of the right side of a deposit slip ) and the total amount remaining. The actual amount owed to the bank is about {$800.00}. When going into the bank, the man at the customer service desk placed me on the phone with what was supposed to be their fraud unit. The man on the phone was offensive, rude, and did not assist at all regarding the transaction. The bank sent copies of the deposit slip, the cashier 's check, and of the balances resulting in the transactions. Everything they sent was deleted from my home computer and from my email. When I tried to take cash to deposit money for the negative amount entered resulting from the Cashier 's Check being no good, the card was blocked and no money was accepted at the ATM machine. The total amount of the check was not withdrawn from the bank at all, and they also attempted to collect locally in illegal forms of collection using trafficking of children. The bank is abusing their collection options and the amount is incorrect. It was reported to the city police where the account was opened in XXXX, NY on the corner of XXXX and XXXX XXXX XXXX. The police report number has also been since taken from any records in an attempt to say there is no report to refer to only the excess amount of the collection.
04/27/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	AR 720XX	Web
XX/XX/2017 Fair Collections and Out XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MD. XXXX To Whom It May Concern : Th is letter is regarding account # xxxxxxxxx, which you claim I owe {$4000.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I hav e ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX , XXXX and XXXX ) from y our company or any company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : Better Business Bureau
10/29/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI 480XX	Web
DEBT DISPUTE Claimed Debt of {$800.00} ; for lease with XXXX XXXX XXXX ; ( incurred date undefined ) The debt claim that was issued is not my debt. On XX/XX/2022 - XXXX mailed a XXXX certified termination of lease letter to XXXX XXXX XXXX ( receipt confirmed by email by XXXX XXXX XXXX XXXX On XX/XX/2022 The apartment was fully evacuated in non damaged condition ( as confirmed by XXXX XXXXXXXX XXXX by letter. ) On XX/XX/2022 documents were hand delivered/legally served to the property XXXX XXXX XXXX XXXX by Great Lakes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) A Copy of the Termination of Lease Expert Laboratory Results of the presence of Mold in the living space A final invoice defining the balance XXXX XXXX XXXX owed to me To date, XXXX XXXX XXXX still owes me a balance of {$220.00} reimbursement from my security deposit. Please note the following deceptive practices of the XXXX XXXX XXXX staff : On multiple dates XXXX XXXX XXXX stated varying amounts that they claimed were due. They, however, never disputed nor responded to the Final Invoice served to them, issued on XX/XX/2022. On which they owe me the above stated reimbursement balance of {$220.00}. On XX/XX/2022 I received from XXXX XXXX XXXX an invalid, unfiled, partial court form from the State of Michigan ( Demand for Possession Non Payment of Rent Form XXXX ) after receiving the property manager a receipt for the full balance of XXXX Rent on XX/XX/2022 in person and with witnesses ). This was presumed to be a scare tactic after I had a professional mold inspector come into the apartment to prove the presence of XXXX mold, that they refused to remediate, to terminate the lease. PLEASE NOTE : In that document XXXX XXXX XXXX claimed a DIFFERENT fictitious balance that they stated I owed even though they were still in possession of my XXXX payment check, that they received, accepted and issued receipt for in person. I have full records of lies and false practices for XXXX XXXX XXXX going back years ( repeated email communications with them about repairs needed that were input into their online service system, with reference numbers and photos - that were never completed. As well as damage done to my personal property that I was never reimbursed for. )
05/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33470	Web
I moved out on XX/XX/XXXX from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ). Approximately XXXX XXXX, I received notification in my credit report an account in collections with XXXX in the amount of {$430.00}. I contacted XXXX XXXX in person and spoke to one of the leasing consultants ( XXXX ) to get more information about this amount owed as I NEVER received notification or a statement of charges after moving out. On the day I spoke with XXXX, the office computers were down and she was not able to look up my account information but she informed me that she will look into it and get back to me. A follow up from leasing office never occurred. I phone the leasing office multiple times and left messages requesting a return call but all my calls and messages were ignored. Things were put on hold during the COVID-19 pandemic months as the leasing office was closed and re-opened on XX/XX/XXXX. I was finally able to speak to the property manager " XXXX '' who emailed me a copy of the Final account statement reflecting the charges on XX/XX/XXXX that include {$200.00} for repair vinyl flooring, {$75.00} for repair damaged blinds, and {$100.00} trash out of apartment. I am disputing these charges as the blinds were already damaged upon move in which is noted in the lease contract. In addition, the flooring damages were from existing mold in the apartments which the leasing office was already aware of. These charges were hidden from me for almost a year even though I requested in different occasions to provide a statement of charges so that I can not object the charges for repairs. As a result, these charges were forwarded to a collection agency FCO ( Fair Collections & OutsourcingXXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ) and have negatively impacted my credit. I have attached a copy of the email I received the leasing office along with a copy of the certified mail receipt showing that I never received the certified mail. These charges are unfair and fraudulent in nature and I am requesting assistance to have these charges remove from all 3 credit bureaus ( XXXX, XXXX, and XXXX ). I have contacted FCO to remove this amount from collections and to remove it from my credit report without any success.
03/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75061	Web	Servicemember
This is a formal complaint against XXXX XXXX and Collections. This collection agency has negatively reported XXXX ( XXXX ) accounts to my credit report and is unable to verify the validity or accuracy of these alleged debts. A recent lawsuit against XXXX found that the collection agency routinely failed to implement proper policies and procedures to ensure the accuracy of accounts. The CFPB alleges that XXXX lacked reasonable policies and procedures regarding the accuracy and integrity of the information it furnished to consumer reporting companies, specifically with respect to handling of indirect disputes, which are disputes submitted by consumers to credit reporting agencies. Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$270.00} Reporting to : XXXX, XXXX Original Creditor : XXXX Amount : {$750.00} Reporting to : XXXX, XXXX, XXXX These particular accounts are evidence of XXXX lack of accountability. To this day, the collection agency can not share the details of the charges by providing a copy of signed lease/contract with original creditor, itemized accounting ledger of how the total alleged debt was calculated, details or photos of any alleged damage. I have no way of knowing if this debt is accurate or even belongs to me. As such, I am requesting these items be deleted from my XXXX, XXXX, and XXXX files. Furthermore, per Florida Statutes s. 83.49 ( 3 ), a landlord is required to notify tenants of balances owed within 30 days or forfeit the right to collect. I vacated the property XX/XX/XXXX. The first notification I received of any alleged debt was from XXXX on XX/XX/XXXX. This is far beyond the 30 days, and therefore XXXX is attempting to collect a debt unlawfully. I have included documentation to support this position. Additionally, I would like to make an official complaint of FCOs abusive collections practices. During the first contact on XX/XX/XXXX I was notified of the alleged debt. When I asked for clarification of the charges the agent refused any additional information. Due to the agents hostile temperament I requested to speak to a manager or another agent. The request was met with screaming and insults. This is a clear violation of FDCPA and should be handled as such.
07/07/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77433	Web
On XX/XX/2021, A Affidavit of Truth and Cease and desist notice has been provided to Fair Collections & Outsourcing by I, the consumer in fact via Certified mail number XXXX and Return Receipt tracking XXXX XXXX XXXX XXXX XXXX XXXX During the initial 30-day investigation period , Fair Collections & Outsourcing is on notice that they should not email or call me, not collect any alleged debt, to write me only at the address listed in the letter, to not send me printouts/copies of the proper documentation, and to not send me statements/bills as it will be a violation pursuant 15 USC 1692g ( b ). Fair Collections & Outsourcing communicated or attempted to communicate with the Consumer Reporting Agencies about me without my direct prior consent which is a violation pursuant to 15 USC 1692c ( b ) causing harm to my reputation which is also a violation pursuant to 15 USC 1692d ( 1 ). Upon further research and discovery, I am the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name. Pursuant 15 USC 1692e ( 2 ) ( B ) any compensation lawfully received by any debt collector is FALSE REPRESENTATION and using the false representation of the amount or the legal status of any debt is also FALSE REPRESENTATION pursuant 15 USC 1692e ( 2 ) ( A ). Pursuant to Fair Debt Collection Practices Act ( FDCPA ) and 15 USC 1692g ( a ) ( 4 ), if the alleged debt is not directly verified by the true bill in commerce within thirty 30 days, per law, it be deemed void by the consumer acting as administrator pursuant to 15 USC 1692c ( d ), consumer defined, administrator. Fair Collections & Outsourcing has committed several federal violations against me, Federally Protected Consumer, for which I am entitled remedy. Fair Collections & Outsourcing must now provide me the following due to their trespass against me in which they are civilly liable for pursuant 15 USC 1692k : Amount owed to me as stated in the Bill of Particular ( s ) All the documents, exhibits, violations, Bill of Particular ( s ), and overall proof of my claims are included in the Affidavit of Truth attachment to further explain this statement.
05/25/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	VA 22304	Web
Fair Collections and Outsourcing sent me a collection letter to let me know an apartment complex I lived in before had placed on my name. When I reached out to FCO to find out they had no idea what this collection was for. I had paid a deposit to " Suredeposit '' when I first moved into this building and if anything happened at the end, I was supposed to pay that company any difference. There was no damage to the apartment as I had the carpet washed and all wall repainted. This collection was supposedly to replace the carpet. When I talked to FCO 's agent, XXXX XXXX, she said that she was not sure why that collection was sent to them before me being told about the debt. It's only a {$450.00} but the amount is not the problem, the problem is that when I applied for a place XXXX months ago, I was DENIED because of this collections since it's a " apartment rental '' related collection. Though this was for a carpet, when people look at it, they only see where it comes from and it could be a number of things such as unpaid rent, or utilities, which is not a good look for other apartment rental companies. Now to make things worse, last month around XXXX XXXX, they reported another collection on my credit reports on all XXXX bureaus. This new collection was a new account but this time the creditor is the apartment complex, for the same amount, {$450.00}. when I spoke to this XXXX XXXX, she also mentioned that this account was owed to them and also to the building. So now, they're trying to double dip XXXX collections for XXXX with different collection account, from XXXX different places. XXXX also mentioned that this seemed to be wrongfully reported and that she would check and would get back in touch with me within a couple days. I have never received any more letters from FCO since this call. Only action taken from them was reporting that second account to the credit bureaus. This move was extremely shady. I disputed these account with all XXXX bureaus and they deleted XXXX, but the other one still remains. This malicious reporting and Fair Collections and Outsourcing seems to be trying to only damage people livelihoods as I can not get a place to live because this collection is on my reports.
12/20/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 31322	Web	Servicemember
I stayed at XXXX XXXX XXXX in XXXX XXXX We signed our first lease on XX/XX/XXXX. We were never late on our rent and never caused problems for management. Our lease was scheduled to finish in XXXX of XXXX. I was notified that I would be medically XXXX from the XXXX sometime in XXXX. We spoke with the property managers at the time, XXXX XXXX XXXX and XXXX XXXX XXXX, and we were told that there was no issue with finishing our lease early as I was XXXX XXXX when we re-signed the lease on XX/XX/XXXX. We said we were unsure when we would be able to move but we were assured it was fine as the lease does not have a time period as long as the lease was signed while XXXX XXXX. When we turned in the XXXX and notified them that we would be vacating the premises in 30 days XXXX XXXX was no longer working there and XXXX XXXX said she did not have any knowledge of us signing the lease while I was XXXX XXXX. We assured her she was present and showed her the paperwork showing she was the one that signed with us. She became irate and told us to leave the office and we complied. We went to the XXXX XXXX XXXX XXXX XXXX and they typed out a letter informing them that they were violating OCGA 44-7-22 which also does not contain a time limit. My home of origin when I entered into the XXXX is greater than 35 miles from the rental property. We turned the letter in to the XXXX XXXX and she again became irate and demanded we leave the office. We again complied. We moved out of the property and our belongings were moved by XXXX XXXX, indicating that we were still within the scope of our XXXX XXXX to move. XXXX XXXX XXXX then persisted with their early termination charge in violation of OCGA 44-7-22 and our lease. We filed a complaint with the XXXX and XXXX XXXX XXXX did not respond to the complaint. We were contacted by Fair Collection Outsourcing ( FCO ) about said bill. We disputed the debt and sent them all of our documentation showing the charges were in violation of OGCA 44-7-22 and our lease. They responded with an email containing no documentation and stated they called XXXX XXXX and she told them to continue with the charges. FCO did not do a proper investigation into the debt owed.
05/31/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	IL 60169	Web
Hi It was surprising to hear when FCO collection department called me up and started saying I owe $ 5300+ amount for XXXX XXXX XXXX XXXX, XXXX NY XXXX I did tell FCO I do n't owe any amount, I did pay additional {$1000.00} while leaving the apartments before lease breakage and informed that I will share all evidence documents, which I did send on XX/XX/XXXX, after that I told them whenever they contact me do send email communications but never heard back after informing to send emails I shared the Voice recorded message, document that I had signed and shared with XXXX XXXX XXXX , never got response back from collection department. On XX/XX/XXXX No damages were informed by XXXX XXXX XXXX when I called them XX/XX/XXXX and collections department was saying different messages every time they call - I did ask for evidence none of them I have been received I did pay {$300.00} as non-refundable amount which covers for the apartment damages if any I do have evidence documents of lease breakage, voice recorded for the agreed amount proof for {$1000.00} as lease breakage Initially XXXX XXXX XXXX XXXX Manager said for lease breakage pay amount of {$2400.00} ( attached the copy shared by XXXX XXXX XXXX via email ), later after negotiating she agreed for {$1000.00}, the same amount I paid off and left the premises. I left when Leasing office is open and communicated properly before leaving, handing over all keys, shutting off water, Electricty, Internet at XXXX all the information. Even while leaving the premises, handed over the letter took the copy of it ( original is with XXXX XXXX XXXX ) XXXX/XXXX did say " you are good to go '' if any amount is due they would have told me on that day itself there was amount for close to $ 600+ for apartment damages which they were mentioning I did ask for proof but never heard back, I told them based on the evidence document and further evaluation I will pay any differential amount if it exceeds {$300.00}, as I did pay {$300.00} for covering the same to XXXX XXXX XXXX apartments. I tried reaching XXXX XXXX XXXX apartments manager last week and left Voice message never heard back as well Request you to please have this issue closed as soon as possible
03/31/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33063	Web
FAIR COLLECTIONS & O ACCOUNT NUMBERs : XXXX XX/XX/XXXX Address : XXXX, MD XXXX Phone : XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify FAIR COLLECTIONS & O or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission FAIR COLLECTIONS & O acc # XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
07/20/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MA 02301	Web
On XX/XX/2023 I called Fair Credit Sourcing to set up a payment arrangement for a debt ( I've disputed the amount several times ) I owe to XXXX XXXX. On XX/XX/XXXX, I spoke with XXXX XXXX. I explained numerous times that I'd like to set up a monthly payment arrangement. I informed her that I am facing a slight housing crisis : I'm currently renting a room for {$2100.00} ( Please see month to month to month lease attached ). XXXX XXXX then told me my options : A : pay XXXX today B. pay {$2900.00} today I then explained that I'm trying to move into a new apartment XX/XX/XXXX, in which the landlord is requiring first month, last month, and a full month of security, therefore at this time I can not afford either of the options. I then requested to pay {$200.00} per month, to which she scoffed, and repeated several times : " This balance is {$29000.00}! we can not set up a payment arrangement for such a small amount ''. I explained my situation again, and informed her that's all I can afford at this time. I'd like to set up a payment arrangement to at least show my good faith to potential landlords. To which she replied : " you can not delete this off your credit, we ae the only ones who can delete it, because we put it on there! ". At this point she became very confrontational, and argumentative, and I told her let me worry about my credit, I'm calling her to set up an arrangement, if she is refusing, I will alert the credit bureau, as well as file a complaint. She continued about having authorization over my credit, and I asked to speak with her supervisor. I then spoke to a very nice gentleman by the name of XXXX XXXX who explained to me the lowest payment arrangement they could set up with me was {$1000.00} per month. I told him exactly what I told XXXX XXXX, and told him what I could afford. He refused, and we hung up. I am in disbelief that I made attempts to show good faith, and set up a payment arrangement, and because it's not the amounts FCO is demanding, they're allowed to refuse an arrangement. They're attempting to ruin people 's livelihoods. It's not enough the amount reported is GROSSLY exaggerated, they refuse to assist a consumer trying to clear up a debt.
04/09/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	FL 33458	Web
FCO claims I owe a debt from an apartment community I had reached an agreement with to move with no charges. Without my knowledge the apartment company filed eviction after I had moved per our agreement. I received calls 3 years ago from a XXXX MD number but never a voice mail. I received no written correspondence either. In XX/XX/XXXX I was turned down for an apartment and learned about FCO on my credit report. I sent a certified return receipt letter on XX/XX/XXXX requesting they validate the debt and I was disputing the debt. From XX/XX/XXXX through XX/XX/XXXX I received twice daily phone calls from FCO. I was not able to answer and they did not leave a voicemail. After receiving no debt validation I sent a follow up letter in XX/XX/XXXX. Once again I began to receive phone calls from FCO immediately after they received my letter. I did not answer the phone as I had sent letters requesting debt validation. I received a word document with charges listed all in XX/XX/XXXX. I finally called them and when I questioned the validity they then sent me the same document but had illegally placed a company logo on the top. This is not the company I rented the apartment. I was told that XXXX the Compliance Officer did not speak to people on the phone also the one time I called. I was asked if I had an attorney and I should get one if I did n't. FCO continually refuses to verify this debt and responded only with this word document. I also forwarded via email to XXXX her communications with another person who she removed the account and cleared the credit report since she could not verify the debt. FCO has recently been sued by the XXXX for these exact illegal practices. XXXX has also been XXXX recently which goes to character. This company uses illegal practices including cutting and pasting a company logo ( the new owner of the apartment complex ) on a word document and mailing it to me. This is mail fraud!! Creating a document, presenting it as genuine?? I just recently sent yet another letter to FCO requesting again that they verify the debt. I do not owe this debt. Please help. I will agree to allow CFPB to publish this so that it may help others about dealings with FCO.
03/04/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CT XXXXX	Web
I lived at the XXXX run by XXXX who happens to have tons of complaints for fraud. I am a civil rights activist, so I found out the XXXX female managers were guilty of XXXX because they were inflating water bills. They created a formula for XXXX apartments which was illegal. They billed you for water, according to the amount of people living in your apartment. For me it was, XXXX adult with XXXX kids. In writing they assured me my water bill would be {$40.00} per month. My neighbors had XXXX adults and XXXX kids paying {$50.00} per month. I received outrageous bills for {$120.00} per month. I complained to the XXXX. State Attorney General, the Town of Farmington and then went to many apartments and found out women and minorities were billed higher than white residents. I decided to move and the neighbor next door got angry and started harassing my children, XXXX child threatened to choke and XXXX my XXXX year old son. XXXX and XXXX incited a feud with white trash, so I was forced to move. Police reports were filed. The XXXX passive aggressive managers fabricated a bill after I moved. We videotaped and took pictures after cleaning. We ended up in Court because the XXXX managers wanted to create an incident. In Court, I testified I paid my rent on time the entire time we lived there and told the Judge the reason they retaliated was because of my discrimination complaints. The company who billed me for water said, XXXX told them I had XXXX people living in my apartment and this is why my bill was so high. He said she gave them all the numbers inflating the water bills. We found tons of complaints supporting their fraud and malfeasance. They have refused to validate the DEBT. I would like this removed. We are using social media and XXXX to ensure the Public is aware of their malfeasant behavior. The maintenance man XXXX said, the culture at XXXX is ruthless. They have meetings were they encourage managers to look for new ways to bill residents for anything they can think of. The turn around of tenants according to the Town Manager is he highest in XXXX, CT. Please investigate this company and remove this fraud off all my credit reports. Thank you and best regards. XXXX
06/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 11572	Web
I was a cosigner on an apartment lease for my son, XXXX XXXX, who is on XXXX XXXX in United States XXXX XXXX since XXXX XXXX, XXXX. Before my son left for XXXX XXXX, he had been working on paying the final bill for his apartment lease. He paid the final bill in XXXX of XXXX. We noticed in XXXX XXXX that we were in derogatory standing so we called the company. They sent us a printout of the charges ( not an itemized bill ) and my son noticed that he had already paid the charges. They were double charging him plus they added a carpet cleaning fee for the carpet ( they had already inspected before he left and said everything was fine ) and a day to day fee for the rent. He had already paid the final rent before he left. They also had a utility bill ( water and trash ) on the bill, which he had paid directly to XXXX. He submitted a letter of satisfaction from the company to the leasing company, XXXX properties. We can not rectify because XXXX XXXX at XXXX XXXX XXXX is no longer the owner of the property and will not deal with us. Fair Collections and Outsourcing took over the so called debt. I offered to pay them to remove it even though it was n't owed to them and they refused. Then, I contacted a lawyer and we gave him power of attorney. They refused to deal with him. My son who is the primary contacted FCO and they refused to talk to him because they said the power of attorney is with the lawyer. The lawyer said this is not true that they really can not object to talk to the debtor just because there is a power of attorney. My son told them the lawyer is no longer involved and they told him they can not talk to him and the lawyer would have to pay it. We can not get this resolved because the debt collectors have been unreasonable, have not provided us with an itemized bill, just a printout of charges that says printed XXXX XXXX, XXXX, which was added on after he left for boot camp. The copy of the bill I am providing you with was not received by my son until we found it on our credit reports and contacted XXXX Properties and FCO. FCO refusal to deal with us has left us with no other option, but appeal to you to help us. Thank you for your assistance in this matter.
03/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AR 721XX	Web
Fair Collections & Outsourcing continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The alleged entry has an account number as XXXX and the original creditor is XXXX XXXX XXXX. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. I have attempted on numerous occasions to gain clarity and insight on this erroneous entry. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by Fair Collections & Outsourcing. To that end, I sent a certified letter to this company. The tracking of this receipt reflects that they did indeed receive the dispute. Their response yielded a mere fabricated statement that lacked veracity. XXXX has continued to communicate such inaccurate, unverifiable information about delinquent debts to unauthorized third parties and failing to provide written verification of debts. In my first dispute letter to them I requested : An agreement that states their authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, Alleged account number, Date this alleged debt became payable Original delinquency date, Verification that this debt was assigned or sold to collector Complete accounting of alleged debt, and Name and address of the bonding agent for collection agency in case legal action becomes necessary. THEY DID NOT RESPOND with any of the information. They have not provided evidence of Arkansas penal codes for leasing to further validate their alleged debts. Again, further proves the inaccuracies and their negligence. The payment history for this account lacks veracity. If they are indeed a third party collection company, how is there alleged payment history reporting? This is inaccurate. It is obvious that Fair Collections & Outsourcing has no intent to honor the law nor respond to my previous disputes ; therefore, in the absence of them not responding with any documentation to validate the alleged debt, this entry must be removed from my credit report immediately.
04/28/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 201XX	Web
In the beginning of XX/XX/XXXX, I was contacted by FCO ( Fair Collections and Outstanding Inc ) over a debt for a townhouse I was renting in XXXX. I cosigned a lease with a roommate that was from XXXX XXXX XXXX XXXX. Only XX/XX/XXXX, I notified the leasing office that I will be moving out at the end of the lease, while my roommate will continue to stay. On XX/XX/XXXX, the Leasing Office, my roommate and myself, all signed my vacate forms. -- -- I requested the debt collector provide verification as well as provide an itemized list of what I owe. What was produced was only an FCO made document outlining debts accrued in XXXX of XXXX. XXXX month after I have already left the property. After 3 weeks of attempting to get paper work from the leasing office, I was finally given my vacate form. After sending the signed vacate form, I notified the collector that I was not associated with the property during that time, and that my old roommate was the one whos name was associated with the lease at that point. I was informed by the collector that my vacate form is not good enough to show i dont owe the debt. despite correcting her and stating that the responsibility is on FCO to prove I owe the debt, she refused to remove my name from her list. I was then told by the agent that since the roommate was not responding to attempts to collect, they are communicating with me instead. This is illegal. I again asked them now a second time, to provide all documentation they have of me regarding this situation. What was sent back to me was the initial lease, and the Vacate form that was missing the signature of me, the property manager, and my roommmate. It also did not show the dates it was signed. The document is also supposed to be 2 pages long, and they only managed to display 1 of the 2 pages. This is illegal. All information provided by the Collections Agency lacks any evidence or proof I was on the property, associated with the lease for the debts. Infact, upon further review of what little evidence they provided, I sent notice of my leave months ahead of time, and left at the end of my lease. This was confirmed by all parties involved.
09/04/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	PA 196XX	Web
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.
07/12/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92591	Web
This complaint has bearing on two previous complaint numbers XXXX and XXXX. XXXX at XXXX XXXX XXXX ( XXXX ) routinely and intentionally asks potential renters to sign a rental application and, upon approval, presents them with a rental agreement to sign that could surprise some potential renters, like me. The specific material facts that XXXX failed to disclose to me are related to the stay of guests in the apartment. Since I was to rent an apartment, XXXX should have made me aware of its policies regarding the stay of guests before asking me to pay the application fee of {$50.00} and the holding deposit of {$100.00}. But, it did not. Since I was made aware of the policies after my signing of the rental application i.e. when I was presented the rental agreement for my signature, I rightfully refused to sign the rental agreement on the grounds that XXXX failed to disclose its policies regarding the stay of guests, and demanded XXXX refund of both the application fee and the holding deposit tome. XXXX argued that the application fee and the holding deposit are nonrefundable and refused to refund the amounts paid by credit cards. Upon my disputing the charges with the banks that issued the credit cards, XXXX did not satisfy the banks that it did not fail to disclose its policies regarding stay of the guests or that the policies were not material. As such, the banks credited the disputed amounts and closed the disputes in my favor. XXXX then maliciously added certain other charges of its own and contacted XXXX XXXX and Outsourcing ( FCO ) to pursue its claim. XXXX made no mention of prior credit card disputes to FCO. Instead, XXXX misled FCO to believe that certain checks were returned for insufficient funds, a blatant lie on the part of XXXX. As of the date this complaint is filed, XXXX is aware of the reason why I refused to sign the rental agreement, but has not disclosed it to FCO. FOTAs failure to disclose the specific policies regarding the stay of guests in the apartment renders my rental application legally void, and could subject XXXX to fraud charges for concealing material facts in dealing with potential renters.
08/09/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27560	Web
On XX/XX/2023, I sent FAIR COLLECTIONS & OUTSOURCING the following correspondence via certified mail after they reported on XXXX and XXXX. Return receipt was received and signed on XX/XX/2023. I am not aware of this alleged debt and FAIR COLLECTIONS & OUTSOURCING must remove this insertion on my credit report and balance should be XXXX out. RE : FRAUD/AGGRAVATED IDENTITY THEFT - FAIR COLLECTIONS & OUTSOURCING is in violation of 18 U.S.C. 894 for using my consumer report with extortionate means to coerce and swindle me into making payment on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( FAIR COLLECTIONS & OUTSOURCING ) furnishing this information to my consumer report and or file. I did not give you permission or authorization to have my personal identifying information, which you ( FAIR COLLECTIONS & OUTSOURCING ) have obtained by aggravated identity theft in accordance to 18 U.S.C. 1028A. I am aware that my Social Security number belongs to the Social Security Administration, and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C. 8 and being that you ( FAIR COLLECTIONS & OUTSOURCING ) is attempting to collect a debt from I, the consumer. This makes you ( FAIR COLLECTIONS & OUTSOURCING ) guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C. 3729-3733. This is a notice to immediately CEASE AND DESIST of all illegal activities, including reporting with constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by FAIR COLLECTIONS & OUTSOURCING into the Federal Trade Commission for aggravated identity fraud and theft. Failure to XXXX out the balance within 15 days, will result in legal matters being taken and I will report to the Federal Trade Commission for aggravated fraud and identity theft. If this matter is not resolved and adhered to by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you ( FAIR COLLECTIONS & OUTSOURCING ) and this letter may be tendered as evidence of failure to comply.
02/19/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 75243	Web
Hello, XXXX XXXX This is a reference to a dispute for account XXXX XXXX with FAIR COLLECTIONS & O. The original Creditor is XXXX XXXX BY XXXX, an apartment leasing company, Situation : Hello, I applied for an apartment with XXXX paying a {$75.00} application fee. I was told that I did not meet the income requirements for approval and that no charges were due. So I continued my search. I later received an email stating I was approved for the apartment with a guarantor and that a {$1000.00} charge was due ( deposit, admin fees, locks ) or the account will go to collections. I had no guarantor. I called the company and advised I was told that my application was denied so I began to search elsewhere. During my phone conversation, the agent demanded that I pay the security deposit and associated fees for the approval with the guarantor. Again, I had no guarantor. I asked why was the denial reversed and why did I suddenly have a {$1000.00} charge. I was told my application was approved if I could find someone to co-sign. I advised I did not have a guarantor, nor was a third partyguarantor associated with the application. I am a single woman. This was denied because I did meet the income requirements. The leasing agent became predatory, stating I owed {$1000.00} for approval with a guarantor. I told the company there was no guarantor however they stated I owed them money. Dispute : The company denied the application because I did not meet the income requirements. This company later fraudulently approved an application in which I did not qualify to collect {$1000.00}. I have not signed a lease, moved in, or shown any interest in leasing with this company after I was told I was denied and told no charges will be due. The company claims I owe the money because this application was changed from denied to approved if I can find a co-signer, which I did not have. Resolution : I am seeking a resolution to have this removed from my credit report. This application was denied due to my income, which means no fees were due and that I am not obligated to pay for a deposit, admin fees etc. XXXX XXXX XXXX XXXX XXXX XXXX
11/05/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD 20774	Web
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.
09/20/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33311	Web
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.
10/09/2019	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 342XX	Web
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
09/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77459	Web
XXXX, XXXX XXXX XXXX are braking the law! Under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. 15 US Code1681b ( You need permission to report on my CONSUMER report ). 15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish ANY form knowing that such form would be used to create the FALSE belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Communicating with a third party that I owe a debt is illegal! I would also like to add I didnt give them permission to have my personal identifying information which they obtained by aggravating identity theft in accordance with 18 usc 1028A. 15 USC 1692b : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- 15 U.S. Code 1602 p ) The term " unauthorized use, '' means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Date opened on XXXX XX/XX/XXXX, XXXX XX/XX/XXXX & XXXX XX/XX/XXXX Amount- {$280.00} FCO XXXX Original Creditor : XXXX XXXX XXXX XXXX - Date opened on XXXX XX/XX/XXXX & XXXX XX/XX/XXXX Amount- {$3800.00} XXXX ( Original Creditor : XXXX PARTNERS ) - Date open on XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Amount- {$1800.00} My one year and I are experiencing hardship of the illegal practices that is reporting on my CONSUMER REPORT and financial distress. I feel validated! We are homeless and have no where to stay due to this matter. I am DEMANDING you to remove these collections accounts! for Improper use on my consumer report.
01/19/2023	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	GA 300XX	Web
Started to receive calls in XX/XX/2022 from XXXX with XXXX, Fair Collections & Outsourcing, regarding a debt I have with XXXX XXXX. I let him know that there were some charges I didnt agree with and that I was waiting for them to get in contact with me regarding that before I would pay. I finally heard back from XXXX XXXX in XX/XX/2022, and that sabe day I called XXXX back and informed him that I had heard back and we could start setting up arrangements. The amount I told him I could do was {$30.00}. He proceeded to ask, Well do you pay {$30.00} in rent? No, so the company wont accept that and neither will I. I then asked if {$30.00} wasnt acceptable, then what amount would be? He told me, The full amount. Im not going to sit here and argue with you. You have to pay the full amount, no other arrangement is allowed except that. I told him I knew that wasnt true and that I am allowed. He proceeded to say some other stuff and I told him that he was rude, unprofessional, and that would report him for his behavior. XX/XX/2022, this collection appeared on my credit. Immediately after I filed a complaint with the XXXX regarding XXXX behavior. In XXXX / XX/XX/2022, someone else from XXXX called me, and she let me know that I could make an arrangement and we went through the options. I asked how I could get this off my credit because it shouldnt have been added due to his misinformation, unprofessionalism, and misrepresentation of debt collection best practices. She told me XXXX has a no removal policy and I would need to reach out to the consumer manager to possibly get this removed. Discussed the situation with XXXX and she sent me an email pdf letter informing me they werent going to remove it. There are a few issues here : XXXX ) I wasnt able to setup payments based on my conversation with XXXX and his unprofessional, disrespectful attitude and language. This resulted in the item appearing on my credit. XXXX ) There policy of no removal is unfair for situations such as this were their debt collectors are giving misinformation and wont allow their customers to make arrangements.
06/02/2020	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	NC 28115	Web
In XXXX I partially signed a lease for an apartment complex in XXXX, North Carolina. The lease had to be signed by a legal guardian, as I was only XXXX at the time and did not have the ability to financially cover the apartment. The apartment layout and number that I originally signed for was no longer available, so they wrote up a new agreement for a new apartment with a new floor plan, room number, and roommates. Both me, and my legal guardian, never signed the lease but they sent it to collections. The XXXX XXXX XXXX has now been bought out by new owners and they no longer have my records on file there. I contacted the collection agency and they sent me what they had on file. All that they have on file for me is documentation that I electronically signed with my initials, and they have someone else 's name and signature on the front of the agreement. The only signature they have on this document is a person named XXXX XXXX. There are no legal signatures from neither me, or my legal guardian. I have tried to get this item disputed several times though XXXX, XXXX and XXXX. The most recent dispute was in XXXX of XXXX. Both XXXX and XXXX have reported that this information is correct. However, I am not sure how this is accurate when the only signature they have on file is of a different individual. When I contacted XXXX by phone, the person on the phone explained that there were two individuals on the lease, both myself and XXXX XXXX, and that he would have to go over it and get back to me within a week. This collection is ruining my credit and I really don't feel that it is just in any way. It is delaying the process of me being able to buy a house and it is very frustrating. The collection agency that it is reported under is Fair Collections & Outsourcing. It seems very sketchy that someone else 's name and signature is the only signature on my lease agreement. Below is the photo of the document that the collection agency sent me with the incorrect name and signatures. There are several other documents, but none with signatures from anyone else. Thank you so much for your help.
10/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92585	Web
Hello, I am in the process of purchasing my first home and my loan is contingent on the 3 collection accounts on my credit report not having any dispute Verbiage on the remarks. These collection accounts were disputed directly to the credit bureau over a year ago and all came back as verified, however the creditors or the credit bureau continue to put that these accounts are currently being disputed by the consumer which they are not. In an attempt to resolve this matter myself i called all 3 credit bureaus and explained the situation and they all stated they removed the dispute verbiage, however when my lender ran my credit again the dispute verbiage was still there. I then called all 3 credit bureaus again and was advised that this is being placed on my credit from the creditors when they report monthly. I call each individual creditor and they all apologized and stated they updated their records for reporting except for Fair Collections & Out, when i called them today on XX/XX/23 @ XXXX Pst I first spoke to XXXX XXXX XXXX who advised me that once the account is disputed, they always report it as disputed regardless which is highly illegal. I asked to speak to a manager in which XXXX XXXX got smart with me and refused to transfer me then i was magically disconnected. I then called back and spoke to collections XXXX XXXX XXXX who advised me XXXX XXXX was correct once account is disputed, they always report it as disputed to the credit bureau. This practice is a violation as you can not report that the consumer has an active dispute when you have no proof. this has not only costed me money it's causing me a decrease in my credit score as my lender has to repeatedly run a Hard mortgage inquiry to see if the dispute verbiage has been updated correctly or not in which is hasn't been. The credit bureaus and creditors are playing a blame game and me the consumer is paying for it. I am in the process of getting my own legal counsel to assist in resolving these issues, but I was advised by a friend to file a complaint with CFPB since I am getting the run around from the credit bureau.
06/27/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 44224	Web	Older American
I retired, down-sized and moved to the XXXX apartments, XXXX XXXX XXXX, # XXXX, XXXX OH XXXX ( XXXX XXXX XXXX ) onXX/XX/XXXX. I paid my rent on time every month during the time I resided there. On XX/XX/XXXX, the lessor raised the " utility service fee '' via an undated notice that was hung on my door. However, the rental contract ( utility services addendum ) requires the lessor to provide at least 30 days ' notice before implementing a fee increase. That is a material breach of contract by the lessor. I confronted the lessor 's property manage onXX/XX/XXXX and again on XX/XX/XXXX when I paid my rent for that month. At first, she denied the infraction, but later acknowledged it, blaming it on a temporary employee. She also acknowledged receiving numerous complaints about the issue from other tenants, which I confirmed in conversations with two of my neighbors. The property manager declined to rectify the situation, at which time I told her that I would terminate my lease early and without penalty because of the lessor 's material breach of the lease, which she acknowledged. After I gave written notice of intent to vacate on XX/XX/XXXX and moved out before XX/XX/XXXX ( my rent was paid in full through that date ) following their material breach of the lease, I received no further communication from the lessor. I did provide the lessor my forwarding address, email address and phone number. Then on XX/XX/XXXX, I received a bill in the mail from a collection agency, Fair Collections & Outsourcing ( XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX MD XXXX ), for {$1000.00}, identifying the Woodlands and XXXX XXXX XXXX as the creditor. Note again that I never received a bill from the lessor in the first place. It is also customary practice not to turn over debts to a collection agency until 90-180 days have passed. Furthermore, XXXX has, of this writing, committed multiple violations of the FDCPA, including calling both my mother and sister and failing to identify himself and his employer when requested. The caller 's number, XXXX, has been verified as XXXX 's number.
02/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60628	Web
As a federally protected consumer, I am hereby expressing my right to privacy and this an OPT OUT NOTICE per XXXX CFR 1016.7. I am now opting out and rescinding any and ALL authorization, I the consumer may have given you. I mean ANY and all consent whether it be written, unwritten, verbal, implied, and non verbal is revoked per 15 USC 6802. Per the FCRA 1681b ( a ) states that " In general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions of the consumer to whom it relates '' XXXX any furnisher of information to credit agencies and the consumer reporting agencies do not have my consent to furnish this information, and they surely do not have my written consent. According to the Privacy Act of 1974, the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, " NO AGENCY shall DISCLOSE any record which is contained in a system of records by any means of communication to any person or to any agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. You have violated both the FCRA and also the Privacy Act of 1974 Per the FCRA 15 USC 1681a ( 2 ) Exclusions, a report containing information solely as to transactions or experiences between the consumer and the person making the report ; Therefore REPORTING transaction history is illegal. Please comply with my XXXX regarding the removal of the account immediately, being that you have continued to violate my rights as XXXX. I have suffered mentally and emotionally. This is not my first complaint. You have a full understanding of the violations. You are aware you are breaking the law. XXXX action will take place Per the FCRA 15 U.S. Code 1681n for willful noncompliance.
07/02/2018	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28212	Web
I received a letter in my mailbox a few days ago from a company called XXXX or " Fair Collections & outsourcing '' regarding a debt that I supposedly owed this company called " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' for {$3200.00}. I was shocked at first because I did not borrow any money, take any loans out, or owe any debt to anyone. I originally thought that the letter was fraudulent and that both companies were fake because I didn't owe any debt to anyone. I waited until the next day and I called XXXX in order to find out what's going in. They tried to pressure me into providing them with my social security number, birth date, and other personal information but I refused to give them anything due to the fact that they seemed really suspicious and the debt is a scam. I told them multiple times that the debt is not mine, and that I did not sign anything or owe any company any money. I had also checked my credit report and it was showing that I owed no money, loans, or debts to any collection agencies or companies. I informed that they either made a mistake or that someone has stole my identity and is attempting to take out loans with it. I asked them if any of the paper work they had on their end contained my signature or any personal identifiers and they told me no they didn't. They said that the lease they had on their end from XXXX XXXX XXXX XXXX only had my first and last name on it. I asked them to remove my information from their system and not threaten to submit a negative credit report to a credit reporting agency about me because this is all a scam or just plain out identity theft. That's when they started hanging up on me, refusing to allow me to speak to their supervisor, putting me on endless holes and refusing to answer my questions. They also kept asking me to pay the debt even though I informed them that I do not owe any money to anyone or any company and that this is identity theft. Please help me because these individuals and the company their supposedly trying to collect the money for are clearly scammers.
08/06/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19380	Web
On XX/XX/2022, I toured an Apartment Complex called XXXX XXXX at XXXX. It had only been under the management of a new management company called XXXX XXXX for a week. After the tour, I decided I would apply for an apartment # XXXX, which was currently vacant and available. I filled out an application and attached it as a PDF to my email on XX/XX/XXXX. The online application portal was not functioning yet and XXXX, my agent, told me they would find out if I should drop off a Cashier 's Check or pay online later, when they had their payment and application portal workig. I could not pay the {$75.00} Application fee with the fully refundable Amenity fee of {$400.00} because I was not there anymore, and I would have to get a Cashier 's Check and mail it to them. I had returned to Michigan by that time, and was communicating with them via phone. Finally I was able to get a hold of XXXX and she told me the company would send me an electronic link to apply and pay this fee online. So I paid this fee, later on XX/XX/2022. However, XXXX told me approximately 5 days later, my application was not accepted. They would refund my Amenity fee. When I had paid the amount on XX/XX/XXXX, there were added electronic processing fees added, so it was approximately {$500.00}. I kept following up with this company, and she said they would refund the fee by a paper check. A week later, I called and they had still not cut the check. Notably, this XXXX never would call me back or leave me a message, I always had to call her. They never did send me a paper check, so in early XXXX, I filed a claim with my bank in a Dispute with XXXX XXXX at XXXX. My full fee was refunded, although my claim was for the amount minus the application fee. Then on XX/XX/2022, after I had moved and gotten settled into a new apartment, I received a Debt Collection letter from XXXX XXXX at XXXX in the amount of {$520.00}. The XXXX collection letter said it was for a XXXX. I never signed a lease with this company, and this management company is trying to ruin my credit.
07/21/2022	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33180	Web	Servicemember
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Fair Collection & Outsourcing ( XXXX XXXX XXXX XXXX XXXX ) for committing identity theft. I have never given Fair Collection & Outsourcing any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have never received any documentation requesting validation from Fair Collection & Outsourcing before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Fair Collection & Outsourcing can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am demanding a cease and desist of all illegal activity and any communication of this and any alleged debts until Fair Collection & Outsourcing can provide me with sufficient documentary evidence that I have/had any legal obligation to pay them. If this documentary evidence can not be produced and Fair Collection & Outsourcing continues its collection efforts ( Reporting to Consumer Reporting Agencies ), I will file for litigation for actual damages caused and Fair Collection & Outsourcing will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
05/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91764	Web
business loan was acquired with no personal guarantee strictly business loan against business credit. payoff was attempted but was declined. XXXX XXXX signed the resolution the very next day and the treasury offered the public new government securities, minus the traditional " payable in XXXX '' clause. HJR XXXX states that one can not demand any certain form of currency that would like to receive if it is dollar for dollar. 31 U.S. Code 3123 - Payment of obligations and interest on the public debt.This letter serves as a formal request for you to immediately clear the debt owed to me in full. According to my records, the amount owed is [ XXXX XXXX ] as of [ Date ]. Despite multiple reminders and notices sent to you, you have failed to make any attempt to repay the outstanding balance, thus causing undue hardship on me. As per the 15 U.S. Codes, it is mandatory for you to discharge the debt in full. Under 15 U.S. Code 160XXXX, you are required to provide me with clear and accurate information about the terms of the loan, including the amount borrowed and the repayment schedule. Failure to provide this information is a violation of the Truth in Lending Act. Under 15 U.S. Code 1692, you are prohibited from using deceptive or abusive practices to collect a debt. This includes making false statements, calling repeatedly and at unreasonable hours, and threatening legal action without the intention to do so. Your non-payment of the debt and failure to communicate in good faith may be interpreted as a violation of this section. I urge you to rectify this situation immediately to comply with the law and ensure that legal action is not required. Otherwise, I will be left with no other option than to pursue legal remedies to recover any outstanding debt under 15 U.S. Code 1692k. Additionally, failure to comply with this notice may result in damage to your credit rating and may negatively affect your personal loan, mortgage, and other financial transactions. Thank you for your prompt attention to this matter.
02/20/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 145XX	Web	Older American
I was a resident in a rent stabilized LIHTC complex and subject to the requirements of the Division of Housing and Community Renewal. There were numerous violations and because of my notifying the DHCR, the attorney general and the housing authority, the landlord refused to offer me a lease renewal and chose to file a Petition for Posession of Premises ( Holdover ) In the Petition, the Petitioner also asked the Court for " rent in arrears '' In my defense, I prsented evidence that I did not owe any rent as my rent was paid to date. In the Court 's Decision, the Petitioner was awarded a Warrant for my eviction. However, the Petitioner was not successful in obtaining a Judgment for " rent arrears. '' I suspect on the ill-gotten advice of his lawyer, the landlord decided to submit the alleged unpaid rent to a collection agency in Maryland. I received a notice from the agency along with a sheet of paper of the alleged debt which was insulting. A 5th grader could have done a better job. Nonetheless, I immediately sent a certified letter disputing such debt and asked for a " validation. '' The agency basically sent me a duplicate of the 1st version of the alleged debt. It did not have the address of the alleged creditor nor an explanation of the alleged debt. First of all, the landlord and his attorney are well aware that the Court already ruled on arrears. Next, that document is fraudulent. Lastly, landlord 's attorney either is inept or he is rolling the dice in hopes by using an agency in another state ... ... ... well just maybe he can sneak this by but even if the could possibly prevail, I am XXXX years old. NO assets, and my only income is social security! There are other reasons I was targeted but for one reason that was the lesser of the others was that once i no longer resided in that particular apartment, that unit then became, deregulated and THAT is the lanldord 's goal to deregulate any units that are rent stabilized! t The landlord has about XXXX of these complexes so he has quite a gig.
03/14/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NV 89014	Web
I XXXX XXXX XXXX have requested that FCO or " Fair Collections and Outsourcing '' validate the alleged debt in which they erroneously continue to publicly report. Performance is expected in accordance with the herewith attached Court Order, Case No. 2015 CA XXXX XXXX and the Law. since XXXX, FCO has been erroneously reporting to the american public and credit bureaus that XXXX XXXX XXXX has a debt owed to your company in the Disputed amount of {$24000.00}. FCO has willfully failed to perform by refusing to validate the purported debt I'm accordance with the herein referenced Court Order, Case No. XXXX CA XXXX XXXX and the Law. I, XXXX XXXX XXXX, on behalf of XXXX XXXX XXXX, have sent several request that FCO validate the alleged debt in which FCO erroneously continues to report to all three credit bureaus and the public thereby tarnishing my good name and credit standing. I am in receipt of registered and certified, return mail receipts which were addressed to " XXXX XXXX '' as CEO and accepted and signed by " XXXX XXXX '' and other authorized representative. FCO 'S willful refusal to validate said debt is a direct violation of the herewith attached court order Case No. XXXX CA XXXX XXXX Notice : all communications will be forwarded to the District Of Columbia 's Attorney General and the presiding judge, Superior Court Judge XXXX XXXX XXXX, SO ORDERED AND ADJUDGED on XX/XX/XXXX. As I understand the foregoing order to mean as follows : " FCO understands that this Judgment is enforceable by the Office of Consumer Protection of the Office of the Attorney General for the District of Columbia and agrees that any violations of this Judgment shall be considered an unlawful practice that violates the Consumer Protection Procedures Act subjecting FCO to the legal and equitable remedies provided therein. '' ( See Case No. XXXX CA XXXX XXXX ) Notice : NOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASIGNS
10/27/2023	No	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	VA 237XX	Web	Servicemember
" FCO Collections '' has not provided any proof and continues to avoid providing proof that investigations to my disputes/complaints placed with the consumer reporting agencies ( XXXX, XXXX, and XXXX ) and the CFPB were indeed performed, and that the documentation labeled as accurate was sent to ME. They are illegally presenting information on my consumer report and damaging my identity. They have not met any of the timelines for response, therefore have not adhered to the FDCPA or FCRA laws. FDCPA Regulation F 12 CFR 1006.30 Other Prohibited Practices ( a ) Required actions prior to furnishing information. ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must not furnish to a consumer reporting agency, as defined in section 603 ( f ) of the Fair Credit Reporting Act ( 15 USC 1681 a ( f ) ), information about a debt before the debt collector : ( i ) speaks to the consumer about the debt in person or by telephone ; or ( ii ) places a letter in the mail or sends an electronic message to the consumer about the debt and waits a reasonable period of time to receive a notice of undeliverability... I have attempted to get this issue with " FCO '' resolved several times. I attached my initial dispute letters to the agencies, my direct dispute letter to " FCO, '' and copies of my consumer reports after the disputes were said to have been updated by the agencies due to information provided by " FCO '' and have never received any info directly from " FCO ''. I've also attached proof that these disputes were mailed into the consumer reporting agencies via XXXX Certified Mail receipts. On XX/XX/, XXXXXXXX XXXX, I received a call from a XXXX XXXX, on behalf of FCO, phone # XXXX, I realized FCO was purposely avoiding my requests for this documentation. She wouldn't give direct answers when asked why I hadn't received them. She bullied me. She kept talking over me and would not stop talking. I never received the info but got a letter for 70 % off debt.
03/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75180	Web
This has been going on since XXXX when i noticed the inaccurate information on my credit report. I have contacted the collection agency who advised me they can not do anything to correct this matter. As well as the original company who advised me they have new management and none of the previous employees i dealt with worked for the new company. I have contacted all three credit bureaus regarding Fair collections in and out reporting inaccurate information on my credit report. Which states that i owe them {$4400.00} for a home that I no longer lived in. I sent all three bureaus proof of my lease agreement for the prior year as well as my notice to the company that I would not be renewing my leases and i would be vacating the premises. I also sent them emails that I had with the company confirming that I would no longer be living in the home. The credit bureaus then sent me back the same lease agreement which is for the prior year XXXX. Ignoring the fact that this companies charges are all from XXXX a year that they did not have a lease agreement for also a year i was no longer living in the home. Which I sent proof of my XXXX new home lease agreement that verifies i did not live in that home for the months/year I was charged. I moved out of home XX/XX/XXXX a week earlier than I needed to. The credit bureaus have failed to remove this from my credit report after irrefutable facts were sent and they continue to verify this debt as accurate. I am being punished due to this company XXXX XXXX XXXX XXXX being sold XXXX XXXX XXXX XXXX right when my lease ended and a mistake has been made that caused me to be charged half a year for a home i was not living in nor received a deposit back for! I am at my wilts end and no one will hear me out. I do not owe this company anything I paid my last months rent submitted my 60 day notice and I moved to my new home XX/XX/XXXX, Please help me resolve this matter and getting this inaccurate collection removed from my credit report asap. Thank you
10/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA XXXXX	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. XXXX5 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any Purpose. XXXX XXXX XXXX XXXX XXXX : {$1500.00} Original Creditor : XXXX comenity XXXX disputing ownership I have no knowledge of this account. This account was opened fraudulently. XXXX XXXX XXXX XXXX Open Balance : {$5600.00} Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX disputing ownership I have no knowledge of this account. This account was opened fraudulently. XXXX XXXX XXXX XXXX Open Balance : {$630.00} Original Creditor : XXXX XXXX XXXX disputing ownership I have no knowledge of this account. This account was opened fraudulently. XXXX XXXX XXXX open balance : {$240.00} Original creditor : XXXX XXXX XXXX disputing ownership I have no knowledge of this account. This account was opened fraudulently. CLOSED ACCOUNTS XXXX XXXX Reported balance : {$950.00} Closed XX/XX/XXXX XXXX XXXX REPORTED BALANCE : {$0.00} Closed XXXX XXXX XXXX XXXX XXXXk Reported balance : {$0.00} Closed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported balance : {$0.00} Closed XX/XX/XXXX XXXX XXXX XXXX Reported balance : {$0.00} Closed XX/XX/XXXX This agencies have violated the FCRA by Reporting a debt as charged off, when it was fraudulent Reporting late payments when the account is fraudulent. Reporting old debts as new ones. Reporting that an account was active after it was voluntarily closed by a consumer and fraudulently opened. Inaccurate statement of balance due. Failing to have a reasonable procedure for you to report identity theft ( or supplying credit information on an account where identity theft was previously reported ).
04/21/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	MD 20850	Web
I am a victim of identity fraud. Since XXXX XXXX , Fair Collections and Outsourcing has filed a collection account in the amount of {$15000.00} against my credit report. I do not own this account nor do I owe any money to their client XXXX XXXX XXXX . To support this statement I 've obtained a letter from their client which state s 1 ) that they do not have any records of my living in their apartment community on the dates that Fair Collections and Outsourcing claim ; 2 ) that they do not show me as owing any balance to their company ; and 3 ) that they have not initiated any collection proceedings in order to collect any debt from me. In XXXX XXXX , I took all supporting documentation, including this letter, to the XXXX XXXX Police Department located in Maryland. Upon reviewing this documentation, the police have concluded that I am a victim of identity theft. I 've since shared a copy of this police report with the Fair Collections and Outsourcing agency, yet they continue to try and collect this fraudulent account. In speaking with their representatives, I am treated in a very rude and disrespectful manner. On many occassions, I have been hung up on and refused service when I insist on escalating this matter to higher management. Today, XXXX XXXX XXXX , XXXX XXXX told me " I will not be transferring your call to my manager ; your account has been validated by our client. '' When I asked for the contact information for their client to have this issue resolved I was refused this information. I 've also asked to speak with their Compliance department which handles the removal of this account from my credit report and again I was denied access to speak to this department. In addition to this complaint, I have also filed a complaint with the Better Business Bureau of Maryland and XXXX . Attached please find the above referenced police report and assist me in my dispute to have this account removed from my credit report.
06/13/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 34638	Web
During the beginning of Covid, I broke a lease with my former landlord, XXXX XXXX. I contacted them on XX/XX/XXXX and told them that I would be leaving the house on XX/XX/XXXX. When I asked them my next steps, they said I would be held to the lease agreement of XXXX months rent. This was approximately {$3600.00}. I asked them if I would break that into installments so I could take care of it as quickly as possible. They told me that when I left, they would take the amount owed and minus the deposit of {$2500.00} I put down as a deposit and bill me for the rest. I was never asked about my situation or if I was impacted by Covid, as I learned they had for others. I never heard from XXXX XXXX again. In XXXX of XXXX, I received a collection from a collection agency, XXXX, for the amount of {$5500.00}. I immediately asked for a verification of the debt. I received a response on XX/XX/XXXX and notice that XXXXXXXX XXXX attempted to charge me for XXXX more months rent, my breaking of the lease charge, and erroneous other charges. I sent back within 15 days a rebuttal to the XXXX and XXXX rent being charged since I notified them that I was leaving in XXXX. I also sent detailed responses to the erroneous charges that were on the invoice and the inconsistency in the totals throughout the invoice. When I reviewed their invoice the amount should have been less than {$1200.00}. I did not receive a reply. On XX/XX/XXXX, after seeing the information added to my credit report, I sent XXXX a certified letter telling them that I never received a response and that was in violation of the FCRA, specifically, 623 - 15 U.S.C. 1681s-2. I asked them to remove this from my credit report. When they have called, I have specifically asked for them to provide me their findings to my rebuttal in writing, but still have never received anything. This is impacting my financial well-being and I should be protected from having these erroneous charges on my report.
05/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI XXXXX	Web
I received correspondence from Fco in an attempt to collect a debt. Fco has themselves listed as the creditor with no account information listed. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is required. No dunning notice was provided and I have no knowledge of this account or any knowledge of any contract with this institution. I request that you please verify the following information to assist identifying whether this debt is valid:1. Full original account number2. Date original account opened3. Any and all written agreement ( s ) between myself and the diversified consultants stating I agreed to pay alleged debt3. Consumer address at which original account was opened4. Date of first delinquency5. Itemized calculation of alleged debt 6. Original signed contract between myself and this creditor, not a copy. 7. A copy of all payments made with beginning and ending balances 8. original creditor. If Fco is unable to provide all of the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent and request account DELETION from ANY and all credit reporting agencies without further discussion of payment in full or partial settlement.This is my attempt to verify the validity of this alleged debt and I appreciate your transparency and cooperation.Please conduct all communication through written correspondence to the following email address ( s ) only : Name : XXXX XXXX Email Address : XXXX Mailing : XXXX XXXX XXXX XXXX, XXXX MI, XXXX Absolutely no phone calls from Fco in any manner other than permitted I will cease all communication ( invoking my legal right to request fco to cease communication ) with the presumption that the debt is invalid and that I own zero responsibility ( in part or whole ) for the repayment of said debt.Thank you for your assistance.
10/13/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MD 20721	Web
I received notice of an alleged debt owed to Fair Credit Outsourcing and sent a XX/XX/XXXX Debt Verification Affidavit which was received XX/XX/XXXX XXXX ; XXXX by representative ( XXXX ) or agent ( XXXX ) of Fair Credit Outsourcing. FCO has failed to Validate the alleged debt and has provided information to the Consumer Reporting Agencies that is inaccurate, invalidated, unverified and is in direct violation of the FCRA XX/XX/XXXXs-2, 15 USC XX/XX/XXXXe ( 8 ), 15 USC XX/XX/XXXXe ( 10 ), Fair Credit Reporting Act ( FCRA ) 15 U.S.C. XX/XX/XXXX ( Public Law 91-508 XXXX, 15 U.S.C. XX/XX/XXXX XXXX Public Law 109-351, 801-02, 120 Stat XX/XX/XXXX ), and numerous other violations of my rights under countless Consumer Protection Laws. Additionally, " FCO '' has NO bona-fide claim in the matter and allegations that I owe an alleged debt to its Agent ( XXXX ) and or Representative ( XXXX ) are frivolous. I have not applied for, neither received any services or credit with " FCO ''. I also have no account and/or contract with " FCO '', nor do I wish to contract with them. FCO has failed to respond to the XX/XX/XXXX Debt Verification Affidavit/ Proof of Claim with authenticating proof of a valid claim/verification. " FCO has purchased evidence of a debt for value and are proceeding with collection activity in the name of the original contracting Secured XXXX. XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX. FCO has failed to provide full disclosure as a lawful due process and has agreed to the terms and conditions of the XX/XX/XXXX Debt Verification Affidavit by Acquiescence. FCO by failing to respond by tacit procuration agreed to all terms within the contract/agreement. Respondent XXXX XXXX ) tacitly agrees that the Unsecured Debt Collector herein as the Respondent XXXX XXXX ) waives all claims against me and with respect to any and all collection attempts involving the above-referenced alleged account, and that said collection attempt was fraudulent from the beginning.
06/06/2019	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	FL 33544	Web	Older American, Servicemember
I was renting an apt unit at their location called XXXX XXXX XXXXXXXX XXXX we moved in and we notify the manager XXXX we need to move out due to the apt ws unfit for me and my family it was not what they have promised us, the apt was dirty at the time we moved in the floor was damage the carpet upstairs has other people hair they claim they clean it but we feel they did not and also the laundry machine and the dryer was placed in the kitchen it is unsafe and health code violation to have this unit inside the kitchen next to the stove top when the dryer is running it will blew dust in to our kitchen area and created unsafe and not sanitary for our family to live on the stairs was hard for me to walk up I had fell multiple times while living there for the month so then we decided to move out gave the keys to manager XXXX sometimes on XX/XX/2019 and relayed to him and we left and told him to fix it before we can move back in he stated to our family he will have the collection company to make us pay him {$7000.00} after we left we were so upset that this company refused to work with us and so on XX/XX/2019 we contact him and asking him we will be willing to stay and work with him as long he promised us he will get these issue fix manager XXXX said we don't want to work with you and we send these penalty fee to our company XXXX XXXX to collect {$7000.00} from you and he said he already rent our place to someone else who will soon be moving in fyi knowing XX/XX/2019 rent has already paid in full at the time of move in, also we disputed this with him on XX/XX/2019 there for it is still the month of XX/XX/2019 and we still should have rights to continue our lease and it is still XXXX this is not XXXX there for this is a way of this co. collecting money {$7000.00} and yet they went and found new tenant within 24 hours and trying make us pay there for remove this now this is your scam your place was unfit for our family there for your co breached the contract.
04/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 21044	Web
Hello, My name is XXXX XXXX I rented Unit XXXX XXXX XXXX XXXX MD XXXX Apt XXXX .I re nted an apartment from XXXX at XXXX in XXXX MD. I lived there from XXXX XXXX thru XXXX XXXX XXXX . I ended my lease due to stuff being taken out my apartment. There was no balance left for rent or etc. However, after 90 days XXXX contact me & sent {$840.00} in utilities to collections. I am baffled thattheyare allowed to do such a thing with no regard for past clients. I had utilities turn on in my name on my Move n dat e which was XXXX XXXX XXXX , I faxed a copy & dropped a copy of my bill over to the leasing office upon moving in & out. I was instructed that everything is in order, I had kept electricity on in the unit upon until I moved out. I had to have services turn on prior to moving in and picking up the lease which I did. XXXX is claiming I owe them money when in fact I do not owe them any money. XXXX at XXXX is not a " utility company '' which they clearly state this in their lease on p age ( 10 ). If they are not a utility company how are they allowed to bill me for services wh en I had " Service '' in my name from the local utility provider? I also have a letter from the utility company which states upon me moving out of that address, I had servicesin my name from XXXX until I moved out, and balance is {$0.00}. XXXX sent my name & personal information over to FAIR COLLECTION OUTSOURCING IN MARYLAND a collection agency for whom, I disputed and they just sent me a copy of a lease nothing else. XXXX & Fair Collections have illegally placed a collection account on my consumer credit profile, I have also sent the Collection company a " debt validation letter '' to which they fail to answer any of my request and instead placed this incorrect, negative information on my consumer credit profile hurting my ; XXXX XXXX so much so that it is now affecting my everyday way of life. Please contact me at XXXX .
04/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 21215	Web
I received correspondence from FCO in an attempt to collect a debt. Fco has themselves listed as the creditor with no account information listed. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is required. No dunning notice was provided and I have no knowledge of this account or any knowledge of any contract with this institution. I request that you please verify the following information to assist identifying whether this debt is valid:1. Full original account number2. Date original account opened3. Any and all written agreement ( s ) between myself and the diversified consultants stating I agreed to pay alleged debt3. Consumer address at which original account was opened4. Date of first delinquency5. Itemized calculation of alleged debt 6. Original signed contract between myself and this creditor, not a copy. 7. A copy of all payments made with beginning and ending balances 8. original creditor. If Fco is unable to provide all of the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent and request account DELETION from ANY and all credit reporting agencies without further discussion of payment in full or partial settlement.This is my attempt to verify the validity of this alleged debt and I appreciate your transparency and cooperation.Please conduct all communication through written correspondence to the following email address ( s ) only : Name : XXXX XXXX Email Address : XXXX Mailing : XXXX XXXX XXXX XXXX, XXXX MI, XXXX Absolutely no phone calls from FCO in any manner other than permitted I will cease all communication ( invoking my legal right to request FCO to cease communication ) with the presumption that the debt is invalid and that I own zero responsibility ( in part or whole ) for the repayment of said debt.Thank you for your assistance.
08/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	MD 21114	Web	Servicemember
Dear Consumer Finance Department, I am writing to bring to your attention a significant error on my credit report that has had a detrimental impact on my credit score. The incorrect information has been placed on my credit report by XXXX XXXX at XXXX XXXX, and I am seeking your assistance in rectifying this matter promptly. To provide some context, I resided in an apartment at XXXX XXXX until my lease agreement expired. Prior to leaving the premises, I returned the keys to the management and ensured that all outstanding bills were paid in full. I fulfilled all my obligations as a responsible tenant, leaving the apartment in good condition. However, subsequent to my departure, the property was sold to a new owner who seemingly failed to review my lease agreement accurately. Despite my adherence to the lease agreement and fulfilling all financial obligations, the new owner claims that I owe them money. This erroneous claim has led to the inclusion of a debt on my credit report, which has significantly impacted my credit score. I possess concrete evidence to support my claim of returning the keys and providing timely notice of my lease agreement 's expiration. I kindly request that you review this evidence and investigate the matter thoroughly. It is of utmost importance to me as I am currently in the process of purchasing a home, and this unjustly negative credit report is hindering my progress. I kindly urge you to take immediate action to rectify this situation. Please remove the inaccurate debt from my credit report and update my credit score accordingly. I am confident that with your expertise and intervention, this matter can be resolved swiftly and satisfactorily. Thank you for your attention to this urgent matter. I am eagerly anticipating a prompt response and resolution to this credit report discrepancy. Should you require any further documentation or information, please do not hesitate to contact me. Sincerely, XXXX XXXX
07/30/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 14850	Web
I received a collection notice in the amount of {$1400.00} USD from Fair Collections Outsourcing located at XXXX XXXX XXXX # XXXX, XXXX, MD XXXX on behalf of XXXX XXXX in XXXX, Michigan. I received this notice by mail at my residence in NY on XX/XX/2019. I responded by phone on XX/XX/XXXX to get more information about the collection, at which time I confirmed the correct mailing address of my residence in New York. I did not believe the amount of collection was correct and mailed a letter indicating dispute of this amount on XX/XX/2019, as is within my rights under the Fair Debt Collection Practices Act. FCO was obligated to verify the debt before reporting the collection to my credit agency, but did not do so. A representative of FCO, XXXX, told me in a telephone conversation on XX/XX/2019 that the collection was reported to the credit bureaus on XX/XX/XXXX. This is less than the 30 days allotted for consumer dispute. In a recent telephone call with FCO a representative indicated that the verification letter that they sent was mailed to an address where I do not reside in CT, rather than my updated address which was given in XXXX. FCO proceeded to report the collection and failure of payment in the amount of {$980.00} to the credit bureaus without providing me with adequate verification in response to my collection dispute. {$980.00} is the correct amount of the collection, which was paid on the same day as I was made aware of the revised debt. As a result, my credit score fell significantly. Upon contacting FCO to notify them that their practices were in violation of the FDCPA they refused to delete the erroneous collection report that was forwarded to the collection bureau. I believe that it is injurious and malicious to have reported my collection before the 30 days that is allotted for a dispute, attempting to correct an amount grossly larger than the true debt, and refusing to correct a mistake that was reported to the credit bureau.
03/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI XXXXX	Web	Servicemember
I received correspondence from FCO in an attempt to collect a debt. Fco has themselves listed as the creditor with no account information listed. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is required. I have no knowledge of this account or any knowledge of any contract with this institution. I request that you please verify the following information to assist identifying whether this debt is valid : 1. Full original account number 2. Date original account opened 3. Any and all written agreement ( s ) between myself and the XXXX XXXX stating I agreed to pay alleged debt 3. Consumer address at which original account was opened 4. Date of first delinquency 5. Itemized calculation of alleged debt 6. Original signed contract between myself and this creditor, not a copy. 7. A copy of all payments made with beginning and ending balances 8. original creditor. If FCO is unable to provide all of the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent and request account DELETION from ANY and all credit reporting agencies without further discussion of payment in full or partial settlement. This is my attempt to verify the validity of this alleged debt and I appreciate your transparency and cooperation. Please conduct all communication through written correspondence to the following email address ( s ) only : Name : XXXX XXXX Email Address : XXXX Mailing : XXXX XXXX XXXX XXXX, XXXX MI, XXXX Absolutely no phone calls from fco in any manner other than permitted I will cease all communication ( invoking my legal right to request fco bureaus to cease communication ) with the presumption that the debt is invalid and that I own zero responsibility ( in part or whole ) for the repayment of said debt. Thank you for your assistance.
04/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CT 06109	Web
we had to move from an apartment complex because of racism, property of ours damage etc. we got permission from XXXX properties. we left the XXXX XXXX great condition and the XXXX said certain things needed repairs and i know that is not true. i disputed XXXX ( the debt colector they hired ) and they illegally without permission tried charging my bank card but i had the card locked. my bank gave me a notification it was declined. i asked for debt verfication and they gave me an itemized list and one reciept. i told them that reciept for carpet repair was a month after we left ( the borden had their matience worker XXXX who drinks and parties living in that and other empty units. i left the carpet shampooed and clean when we left. the other charges were made up and i told XXXX give me the reciepts and photos of the claimed damage and they provided nothing. the continued to try and collect and pug it on myself and my husbands credit. if we owed the amount then i would not mind paying it however its fraudulent. i will be also following up with a law suit for damages and lawyer fees and also damages that occurred from having to abruptly move from the borden because of the unprofessional workers and damage to my XXXX XXXX crack pipes and homelessness at a luxury property threating XXXX in front of my toddler mold in the unit and illegally not having proper ventilation and non working windows they may have fixed it now but i have videos of when we lived there, heating issues during winter and it took so long to finally fix it when we had out toddler in the cold unit from matience not changing out the thermostat till weeks later and my son occurring doctors fees i have documentation of that as well etc. i have property management im on film acting out aggressively way to often ( briel ) she cant keep a stable personality. i have the paper trail of everything in writing, police reports videos and photos and nakita knows this very well.
07/23/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33442	Web
I have been going back and forth with this collection agency and the creditor for now almost 6 years. I lived at a property for a short time and when I moved out I was given misleading information. The collection agency at first tried to collect an amount of {$2700.00} when in actuality I allegedly only owed {$650.00}. I contacted the creditor XXXX XXXX who corrected the amount but it took close to 1 year to accomplish this. I offered to pay the {$650.00} but asked that the debt be removed from my credit report because if the original balance was {$650.00} and not {$2700.00} I would have paid it no questions asked. Due to the lack of cooperation from the collection agency Fair Collections And Out and then the drawn out emails and constant back and forth with XXXX XXXX AKA XXXX XXXX it was discovered that the balance indeed was {$650.00} so the entire time they damaged my credit based on a false amount owed which is against the law. I will attached the email chain so you can all see it. It took me many phone calls and their office manager at the time to fill me in on the information so I could get the correct amount. When I told them the office manager gave it to me they didn't believe me so I had to show them proof of my phone calls ect. This was very deceptive on both Fair Collections And Out and XXXX XXXX to try to scam me out of {$2700.00}. They did however correct it to {$650.00} and as a courtesy I asked them to please send me courtesy deletion letter or email showing good faith that they would correct the issue and remove it from my credit because it was not done correctly from beginning ( which I offered to pay when I moved out the correct balance ). They refused to do so. Now I could let the debt expire and pay nothing but I would rather take care of the debt and pay it. My offer still stands to pay the debt but have it deleted because it was wrong from the beginning to the tune of {$2000.00} off.
10/31/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 208XX	Web
The following account # XXXX does not belong in the collection and should be removed from my credit file. I tried numerous times to pay this account from the day I moved out in XXXX. The information being reported is inaccurate ; the account was not past due and is not a bill from XX/XX/XXXX. My due date to move out was XX/XX/XXXX and the management company asked me to move out in XX/XX/XXXX, because they needed the apartment for a new tenant, due to an issue on their part. I agreed to move out in XXXX and pay only the few days of rent while I moved out and cleaned the apartment, which totaled {$390.00}. About a month after turning in the apt keys to the property manager, I attempted to log into my online account to pay the balance, as instructed to do so by the property manager. However, my account was no longer active within the online system ; therefore, I sent an email to both the leasing agent and the property manager to advise them about my inability to access my online account. Both emails bounced back ( see attached emails ) and it turned out the property email addresses were deactivated and telephones numbers were disconnected. At this time I decided to physically go into the office to not have any fees lingering over my credit. Upon arrival the leasing agent informed me that the property had been sold and they can not accept my payment and I had to contact the previous property management company. I did a XXXX search for XXXX XXXX and found their Corporate office in Illinois and sent an information request through their website and I was informed I had to pay the new property owners and my payment could not be accepted by them. Then I contacted their accounts receivable department where I was informed that they could not locate any account with my name. With that said, please remove account # XXXX XXXX XXXX from my credit file as it no longer belongs to me and has been sold. Thank you,
06/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33619	Web
i have contacted FAIR COLLECTION AND OUT many times since receiving a bill from them about a previous apartment. Before sent to collection, i asked for verification of debt because i was shocked that i owed anything. Even representative there did n't know why the amount was so high but referred dispute to XXXX XXXX, where they continued to verify as accurate. The same manager whom i filed XXXX XXXX complaints on, XXXX because i was asking for a provisional credit because AC was n't working for months properly and had inflated the cost of my electric bill and not livable for me and my XXXX year old son because it would get over XXXX degrees. This went on for close to 4 months. Also, another occasion where she slammed the front door in my face because i did n't agree with the credit that was given. I told the collection company that i did n't agree with amount and i wanted proof of all charges, not just a basic " verification of debt ''. I received all charges but only a few days before they stated they would place on reports. Even after receiving docs on XXXX/XXXX/16 i still did n't agree and asked to hold off on any reporting because i wanted to verify amounts charged because it took months and months to get those documents to me. I even said, " I dont agree nor take responsibility for these charges but willing to pay a payment agreement until rectified and a credit could be issued. I was told i could make no partial payment and that i needed to pay in full. She also advised that even though i do n't agree, and she did n't agree with amount of charges they disputed with XXXX months back and they are only required to dispute once. I have included a copy of all charges, which show for address IM NOT responsible for. I lived at XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX and charges are for Building XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. I have included copy of lease and copy of dispute sent.
06/23/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 191XX	Web	Servicemember
The property manager XXXX XXXX has tried to collect on debt not owed. After being granted ONLY possession of the apartment she manufactured damages and court cost. I was represented by counsel and the court ordered possession ONLY. It was after my attorney request my security deposit ( {$1200.00} ) and an additional over payment ( {$200.00} ) the falsified damages and court fees. Their clients XXXX XXXX XXXX was unsuccessful in court and was NOT awarded monies in the judgment ONLY possession of the apartment was granted 30 days after the ruling was give. I was out of the apartment during the court proceedings and have video of the undamaged apartment empty. This is a clear attempt to commit fraud by XXXX and XXXX XXXX XXXX. XXXX XXXX charged damages and rent after I was no longer living in the property and there is NO COURT ORDER awarding 1. Attorneys fee, 2. Damages of anything related to the property 3. I was charged rent in XX/XX/2021 and XX/XX/2021 when I have a lease showing I was moved completely out by XX/XX/XXXX which was before we went before the judge in XXXX XXXX landlord tenant court. The court DID NOT order damages or any rent. The property hired a contractor to completely gut and updated ALL FIXED on the property and repair the brokers heat that was the reason I moved. The are trying to make me pay for 5 years worth of basic wear and tear on an apartment. When I moved in 5 years prior my apartment has old carpet and was vacant for over 6 months it was never painted or even had replaced carpet the entire 5 years I lived there and I paid rent 5 years straight never late. If they claimed I owe for anything we need to have a judge order that by fraudulently creating damages and charging rent and his is clearly fraud. We will be forwarding this to the court. And we request proof from the court where these alleged damages were proven and a judgment was granted in their favor.
09/24/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NC XXXXX	Web
This company added a collection to all XXXX credit bureau 's for a debt I DO NOT owe. I have contacted the company and asked for proof the support these charges and have gotten no response. ( see attached letter and fax confirmation ). These charges that FCO is attempting to collect stem from a 1 year rental agreement ( XX/XX/XXXX to XX/XX/XXXX ) with their client XXXX XXXX XXXX. At the end of my 1 year contract I chose not to renew my lease because the renewal rental rate was far greater that market rate for the home and area so I submitted my notice to vacate and moved XX/XX/XXXX. The house and carpets were professionally cleaned and the house was left in good repair when I moved out. I requested an exit walk thru appointment was told by XXXX this was not necessary and they would contact me if there were concerns to be addressed. I heard nothing further from XXXX so I assumed everything was fine until a few months ago when this collection showed up on all XXXX credit bureau files. The collection agency ( FCO ) sent me a letter and a ledger of charges from XXXX which made up the balance they were collecting and I was literally dumbfounded. I am being charged for an increase in rent for XX/XX/XXXX which reflects the renewal rate even though I was still contracted at the rate of {$1300.00} per month. I am being charged rent for XX/XX/XXXX at the renewal rate when I my lease has already ended and I had moved out. I am being charged for General Maintenance to make repairs ( what does that even mean? ), for weed spray applied to the yard, dryer vent cleaning, repainting the ENTIRE house, and the list goes on and on. Under NC law ALL the things they are charging me for and attempting to collect fall under reasonable wear and tear. I have asked for proof of the necessity of these repairs as proof of damage beyond reasonable wear and tear and defined by NC statue and have gotten no reply.
04/16/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 94404	Web
Credit bureaus are incorrectly reporting a collection that was posted on my credit score from Fair Collections and Outsourcing ( based on an unjust bill from XXXX XXXX Apartments ). I broke my lease in XXXX of XXXX and only lived there for only 5 months. My apartment was left in the same condition as it was given to me but they charged me {$340.00} for painting, refurbishment fees. They have no proof that the apartment was left in poor condition to warrant this {$340.00} fee nor did I sign an agreement stating that Id be charged this amount from the complex if I leave the apartment in a particular condition. This collection has negatively impacted my credit score and Fair Collections and Outsourcing stated that they will not delete this collection from my credit report, even though I paid the collection off under duress. Additionally, XXXX, XXXX, & XXXX are still reporting this collection on my credit even though Fair Collections and Outsourcing has no proof of the apartment condition or paperwork that I signed agreeing to pay a particular painting fee. Since XX/XX/XXXX, Ive filed disputes with the credit bureaus and nothing has changed. Fair Collections and Outsourcing needs to be held accountable for not deleting an incorrect and fully paid collection from my credit report. The credit bureaus also need to be held accountable for verifying incorrect collections information on my credit score. Additionally, Fair Collections and Outsourcing verbally harassed me over the phone and threatened me to pay the unjust collection or they would sue me and ruin my credit score further! I demand justice for all consumers and will not stand to let Fair Collections and Outsourcing continue their manipulative tactics to take advantage of the public! Fair Collections and Outsourcing needs to be investigated by the Federal Trade Commission for deceptive and unfair business practices.
10/21/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL XXXXX	Web
On XX/XX/2021 I mailed a cease and desist notice to Fair Collections & Outsourcing certified mail with green receipt # XXXX as shown in the attachment stating that they had 15 days to fulfill my demands.. I am notifying you in writing through this CFPB complaint, Pursuant to 15 USC 1692c ( c ) that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.My consumer report is a medium through which they are communicating negatively to the detriment of my consumer report and reputation. Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor. I demand all of the following regarding this account for this alleged debt. -Audit trail of this account for this alleged debt that can include an ( entire file on me XXXX XXXX XXXX all documentary evidence on me ( includes all documents, papers, correspondence, books of account, and financial and corporate records, credit application ). -Stop all illegal negative reporting and communication to and with all consumer reporting agencies -XXXX out the balance on this account Failure to respond to my cease and desist and or honor my demands will result in me the consumer pursuing legal litigation. To ensure compliance with this letter, you are advised to send written reply stating, confirming and complying with the demands of this cease and desist. I am well aware of my rights and know that any further contact by this company, except a communication confirming acknowledgement of this letter, is in violation of the FDCPA. Failure to do so will act as further evidence of your infringement up XXXX XXXX consumer and legal rights. I will immediately undertake legal actions in order to protect my rights. I have attached a copy of the cease and desist notice that was mailed to Fair Collections and Outsourcing.
06/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92882	Web
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! I would like to bring your attention to the following fraudulent accounts on my credit report : Account XXXX : Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Date Discovered : [ XX/XX/2023 ] Amount in Collection : [ {$300.00} ] Account XXXX : Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Date Discovered : [ XX/XX/2023 ] Amount in Collection : [ {$820.00} ] Account XXXX : Creditor Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] Date Discovered : [ XX/XX/2023 ] Amount in Collection : [ {$2600.00} ] Account XXXX : Creditor Name : [ XXXX XXXX / XXXX XXXX ] Account Number : [ XXXX ] Date Discovered : [ XX/XX/2023 ] Amount in Collection : [ {$2600.00} ] Credit Inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
10/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MD 20746	Web
In line with the multiple unethical credit reporting complaints as identitied via the internet, since the beginning of this year I have been disputing an account from Fair Collection and Outsourcing ( FCO ) -creditor XXXX in in the amount of XXXX dollars which has been placed on CRAs XXXX , XXXX , and XXXX. As well as receiving a threatening/harassing phone call from a gentleman customer service representative - once @ XX/XX/XXXX and another in XX/XX/XXXX, in which I still confirmed my dispute the account is not mine. I recently did a direct contact and phone calls with the client ( XXXX ) on this account you and the supervisor at that location informed me that they do " not '' have any records annotating the {$3100.00} amount FCO reported to the CRAs. Also documented. This information pose illegal reporting from FCO and under my credit rights and I 'm requesting investigation on the FCO company and my actual account and this inorrect information permanently deleted from my CRA reports XXXX, XXXX, and XXXX. I 'm also concerned and request investigation of FCO 's document replication of account ledgers ( false documentation ) from the actual creditor. This false reporting is currently hindering my employment associated with credit requirements ( position with clearances ), as well my quality of life and pursuit of the American dream. I recently filed a complaint via XXXX where this company 's rating is graded an XXXX, and received the complaint results stating after multiple attempts of communication from XXXX with FCO, FCO failed to respond to XXXX regarding my complaint. They also informed me to pursue this company with an attorney and/or CFPB. Again, I have also filed another dispute with FCO compliance officer via email, as well as via the CRAs. This company has created havoc on thousands of law abiding citizens and should be seriously investigated and fined.
10/06/2023	Yes	Debt collection Rental debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MA 02169	Web
We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT I moved out of XXXX XXXX end of XX/XX/2022, and provided my brothers address as a forwarding address. The company did not have accurate balance for me to pay and assured me they would correct it so that I can make a payment. After a months it was still incorrect, as I frequently checked on the community portal. I was told that it's corrected that the balance would be subtracted from my security deposit and that the remaining balance would be sent to me via check. After some time I no longer had access to the portal to follow the balance and I shared this with the company. Soon after that I received a check at my brothers address and assumed the account was resolved considering that I received a security deposit refund. Months later without any bills, statement, or even communication from XXXX XXXX a derogatory reporting came up on my credit report. I contacted the office and was told that they would correct this. They never did and the reporting still remains on my account. I have a printout of our communication showing this unfair reporting was done unfairly. I was sent to collections and reported without ever being sent a bill or being given the opportunity to make a payment. After the reporting and learning what the true balance is I offered to pay it directly to XXXX XXXX as I felt that it was unfair to have to pay a collection agency for something I had no knowledge of but I was refused the opportunity to pay XXXX XXXX and I have been fighting this ever since. PLEASE HELP!
12/06/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33173	Web
FAIR COLLECTIONS & O ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you FAIR COLLECTIONS & O or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : FAIR COLLECTIONS & O or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX
10/25/2023	Yes	Debt collection Rental debt	False statements or representation Impersonated attorney, law enforcement, or government official	DC 20010	Web
To Whom It May Concern, I am writing to dispute a fraudulent account reported on my credit report. This account is not recognized by me, and I believe my identity has been used without my consent or authorization. Pursuant to 15 U.S. Code 1681c-2, you are required not to report any information on a consumers credit report that the consumer has notified you is a result of identity theft. As such, I demand the removal of this fraudulent account from my credit report within four ( 4 ) days of your receipt of this letter. Furthermore, under 15 U.S. Code 1681s-2 subsection ( a ) ( 3 ), furnishers of information are obligated to notify consumer reporting agencies of disputes regarding the accuracy of information. I have previously contacted the furnisher, and they have confirmed that my personal information does not match their records, suggesting identity theft. They also indicated that they do not engage in providing dispute notices to credit reporting agencies. Therefore, your report violates subsection ( b ) of 15 U.S. Code 1681s-2, as a reasonable investigation of this matter has not been conducted. I insist on receiving a comprehensive investigation report directly from the furnisher, complete with their letterhead, detailing their method of verification. This is to confirm that my claim of identity theft has been thoroughly examined and substantiated. I demand the immediate removal of this account from my credit file and that a new credit report be issued to me within 30 days of the removal to confirm the correction. Below is the item in dispute and my explanation : Disputed Item : FAIR COLLECTIONS AND OUT Explanation : This account was fraudulently opened in my name without my knowledge or consent. Failure to comply with these demands could result in legal action. Please take this matter with the seriousness it deserves. Sincerely, XXXX XXXX
10/09/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	MI 48335	Web
I am writing to file a complaint against Fair Collections & Outsourcing ( FCO ) concerning a collection account reported on my credit report without prior notice or validation and failure to respond to a letter verifying payment to the original creditor. On XX/XX/XXXX, I was alerted by my credit monitoring service of a new account in collections on my credit report and that my credit score dropped XXXX points. This was the first time I received any information about this alleged debt. According to the report, FCO claimed that I owed an amount to my former landlord. Immediately upon receiving this notice, I requested a debt verification letter from FCO to substantiate their claim. They provided a statement of accounts dated XX/XX/XXXX, with itemized expenses and an alleged amount due. However, I had previously settled this amount due in XX/XX/XXXX. Furthermore, I contacted my former landlord to verify the status of my account and was informed that I had no outstanding balances with them. To resolve the matter and clear my credit report, I sent a certified mail to FCO, providing evidence and a receipt that the amount had already been paid to the original creditor. This communication was sent well over 45 days ago, and I have yet to receive any acknowledgment or response from FCO. Despite the lack of communication from their end, the collection account continues to be updated monthly by FCO to the three major credit reporting agencies. This reporting and handling of the alleged debt by FCO has not only been incorrect but has also adversely affected my credit score and financial standing without justification. I have been declined a housing opportunity because of this erroneous data. The lack of response to my attempts at communication and resolution is also concerning and goes against the standards of fair and transparent debt collection practices.
03/25/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33404	Web
FCO ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Phone : XXXX Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify FCO or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : FCO or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
08/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32725	Web	Servicemember
During the Covid pandemic, my ex-husband and his current girlfriend took advantage of the pandemic, and with everything being online, I fell victim to identity theft from him, using a photocopy of my identification card and submitted a online lease for a house, which that company did never do a face-to-face meeting or anything. He fraudulently leased XXXX houses with the same company starting XX/XX/2021. Which fell into collection and this is how I found out about it. Ive reached out to the collection agency regarding both accounts. I submitted my police report and identity theft affidavit to them, letting them know the situation which they failed to work with me. All they can let me know is that there was an online application submitted and was approved and a lease was generated, no signature or anything, proving that I was the one that actually leased it, which most during the pandemic there was no face-to-face contact and the scammers all came out to do damage. I reached out to the credit reporting agencies and they are just doing a standard verification saying that its a valid debt and Im not getting any verification of how they verified the debt or anything I am aware of my rights, and I do know that they are supposed to verify and submit prove to myself from either there or the reporting that companies. I am now we need to make a complaint towards the credit reporting agency for falsely and knowingly providing false information which is causing harm to my personal life now because I am myself Im trying to lease a property face-to-face with a real estate agent and they will not least to me because of these fraudulent charges on my credit report. The company XXXX Address XXXX XXXX XXXX, XXXX, MD XXXX. Account number XXXX and also account number XXXX I think you in advance for looking into this matter and exercising my legal right
10/20/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	MI 48306	Web
Good morning! Thank you in advance for your help. After many calls and hours of my time, I've been instructed to file a formal complaint to address the collection effort tied to my identity. I recently received yet another collection notice from FCO ( Fair Collections & Outsourcing ) detailing debt owed to XXXX XXXX XXXX, a residential apartment building located in XXXX, CO. I use the term " yet another '' since this issue has been addressed with FCO in the past, but unbeknownst to me- it has not been resolved and I have been negatively impacted as a result. For added context, I've never lived at this property, nor have I been affiliated with this property in any capacity. Despite this claim, FCO representatives have insisted that I complete a fraud packet and file a police report. Since then I have contacted the creditor ( XXXX XXXX XXXX ) directly and confirmed that the debt they submitted is assigned to a different individual with a similar name. They also confirmed that the information submitted to FCO was not mine. In conclusion, this seems to be a clerical error that FCO is responsible for. Despite this revelation, FCO representative XXXX XXXX insisted that I complete their fraud packet and file a police report. Given the information received from the creditor, I can no longer complete FCOs fraud packet, nor can I file a police report as my identity has not been stolen per the explanation above. I've made a good-faith effort to resolve this error with FCO, asking that FCO simply contact the creditor to resolve the issue. Again, I was met with resistance and a requested that I complete further legwork and file a police report. Lastly, I've confirmed that FCO has filed a derogatory mark with the credit bureaus, which has negatively impacted my credit score and ability to obtain preferred financing. Thank you, XXXX XXXX
07/28/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WA 98072	Web
Received a letter dated XX/XX/XXXX demanding payment of {$3500.00} for a fraudulent debt. Claimed we owed for XX/XX/XXXX rent when we were moved out by end of XX/XX/XXXX. Timeline of our communications XX/XX/XXXX I asked for proof of debt XX/XX/XXXX I spoke to someone who tried to explain verbally but he didn't understand what the charge was for either. Said he would get back to me XX/XX/XXXX I spoke by phone again but they still couldn't explain the charge XX/XX/XXXX spoke again. Finally told it was for XX/XX/XXXX rent but couldn't explain why being charged XX/XX/XXXX spoke again and was told we didn't give enough notice. Emailed collector proof of proper move-out notice XX/XX/XXXX spoke again and now told it was because we didn't return the keys in time XX/XX/XXXX I demanded further documentation : explanation of charge and why reason was changed, where in the contract does it say we're charged for late return of key and proof we returned the key late XX/XX/XXXX collector said they would not email proof and would only speak on the phone. Transferred me to manager who then hung up on me. Called back, transferred again, hung up again XX/XX/XXXX called someone else at the collector. Again asked for written proof, put on hold for 10 minutes, informed it was for late notice, refused to provide any further information, hung up on me XX/XX/XXXX emailed again demanding proof of the debt. Collector responded with the invoice and a copy of the contract. No indication of which clause was broken or documentation that the clause was broken XX/XX/XXXX collector advised me to call a different manager. Left several messages XX/XX/XXXX collector called, I said I was not paying the debt, their client did not provide any documentation supporting the invoice. They responded my account was now " eligible '' to be reported to the credit bureaus
07/21/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web
On around XX/XX/XXXXMy Dad XXXX XXXX XXXX was approved for rental at XXXX XXXX XXXX in XXXX, California, because of his employment salary and wage earning potential was in prosperity for XXXX XXXXXXXX Approvals. XXXX XXXX XXXX made my Dad Principal on the lease contract because me and my sister XXXX XXXX were student in college and we was n't able to pay rent and take responseability of the high rent payment over {$2000.00} a month. Also my mom XXXX XXXX XXXX employment salary was insufficient as she was making a minimum wage salary. On CFPB portal message board, XXXX XXXX XXXX or Legal representative stated that they provide a debt validation around XXXX in which me XXXX, my sister XXXX and my Dad XXXX XXXX XXXX and Mom XXXX XXXX XXXX has never received. I am requesting a debt validation and lease contract with my handwritten official signatures of me XXXX, XXXX, XXXX and XXXX XXXX XXXX. If there is a signatures on XXXX XXXX XXXX, it should be our official handwriting signatures and not a computerize signatures because we did n't approve of hand signatures. If XXXX XXXX Management or Legal Representatives states that I agreed and family agreed that is a false accusations.I have the right and family have the rights to officially signed lease contract with our very own official handwritten signatures to protect us from Identity Theft and privacy issues. The Privacy Act of 1974,5 U.S.C & 552 a establishes a code of fair information practices that governs the collection, maintenance, use and dissemination of information about individuals that is maintained in systems of records by Federal Agencies. Other agencies and Private businesses must keep Consumers Personal Data protected under the Privacy Act. I am requesting respectfully a Federal Investigations against La XXXX XXXX in XXXX, California and their legal representations.
10/07/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33311	Web
On XX/XX/2021,XX/XX/2021, XX/XX/2021 I sent in a request for validation to said company Fair Collections Outsourcing ( FCO ). Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g 30 days is given to investigate or respond to said request for debt validation. I have not received any correspondence back from company regarding validation! It is now XX/XX/2021. It is a violation of collection practices act for a debt collector to refuse to send validation notice or fail to respond to my request letter. Pursuant to the Fair Debt Collections Practices Act, 15 USC 1692g- VALIDATION OF DEBTS, you are only to sent the following within 5 days of initial communication : ( a ) Notice of debt ; contents Within five days after the initialcommunicationwith aconsumerin connection with the collection of anydebt, adebtcollector shall, unless the following information is contained in the initialcommunicationor theconsumerhas paid thedebt, send theconsumera written notice containing ( 1 ) the amount of thedebt ; ( 2 ) the name of thecreditorto whom thedebtis owed ; ( 3 ) a statement that unless theconsumer, within thirty days after receipt of the notice, disputes the validity of thedebt, or any portion thereof, thedebtwill be assumed to be valid by thedebtcollector ; ( 4 ) a statement that if theconsumernotifies thedebtcollector in writing within the thirty-day period that thedebt, or any portion thereof, is disputed, thedebtcollector will obtain verification of thedebtor a copy of a judgment against theconsumerand a copy of such verification or judgment will be mailed to theconsumerby thedebtcollector ; and ( 5 ) a statement that, upon theconsumers written request within the thirty-day period, thedebtcollector will provide theconsumerwith the name and address of the originalcreditor, if different from the currentcreditor.
10/01/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11236	Web
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
01/17/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MD 21224	Web
To the Consumer Financial Protection Bureau : I XXXX recently filed a CFPB complaint against a national collection agency that specialized in the collection of unpaid rent. This agency send a compromised offer, but they did not expose the truth of my arrangement with The XXXX apartment complex. I hereby attach a copy of an email between myself and XXXX, Assistant Property Manager at the apartment complex in question. My move out from this complex was requested professionally as I was facing a family crisis back in XXXX State, and the ownership was understanding and agreed that I would only be responsible for the days whereas my apartment was nor re-rented, but that the management would advertise the apartment for rent immediately. The email response I have posted on this complaint shows that XXXX apologized that he was sorry the apartment was not advertised, and that he would not charge me for this mistake. This response concludes any argument that I owe anything towards the Fair Collections & Outsourcing , Inc . In addition, the settlement offer by FCO is hereby void, mainly because there is no lease termination fee in the entire lease, as posted for your review. This entire collection is a violation against my rights under the Fair Debt Collection Practices Act, the leasing by-laws of the state of XXXX, and since FCO posted the collection on every credit bureau, a serious violation of the Fair Credit Reporting Act. FCO has acted devious by adding charges to an invoice that are not included in my lease, and the fact remains that my move was amicable and the management of XXXX agreed that I was not going to be charged for the apartment post move. FCO must file a removal of the case and send removal letters to all pertinent credit reporting agencies on behalf of XXXX and XXXX respectively.
08/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MO 63135	Web
In XX/XX/XXXX, XX/XX/XXXX, and through current date XXXX XXXX, 2016 in addition to past years, I have made numerous attempts to resolve this alleged debt with Fair Collections and Outsourcing, including but not limited to contacting XXXX XXXX the compliance representative by both email and mail. I am certain that letters requesting validation were received since I have all the receipts for the certified copies with signature confirmation pick up and signed by XXXX XXXX. As of today, XXXX XXXX, 2016, FCO has failed to forward validation documents of this alleged debt. to me. Since I am disputing the amount of charges that Fair Collection and Outsourcing Debt Collection Company is reporting to the ( XXXX, XXXX, and XXXX ) credit bureau they are required to provide validation however they are willfully failing to comply which may violate my rights according to the FDCPA, Federal Trade Commission 15 U.S. Code 1692g section 809. Validation of debts. FCO has failed to provide adequate validation of this debt and has not responded to written request to validate this alleged debt for alleged debt account # XXXX. I requested FCO to provide to me, an itemized monthly so that I could see exactly what charges are being applied by the apartment complex in addition to my signature and social security number on documents and a signed lease agreement that proves that I had an actual move in date. I am attaching copies of the certified mail tracking numbers along with copies of the email correspondence as proof of your receipt of these written requests, and to repeat, to this day I have not received validation response. I have also included a copy of the only response provided which simply a statement is of counter offer to my original request and does not provide adequate proof of this alleged debt.
02/21/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MD 207XX	Web
Fair Collection & Outsourcing ( FCO ) placed an account ( XXXX ) on my credit reports in the amount of XXXX and sent me an offer on XX/XX/XXXX of XXXX to clear up this account. The first violation was that they placed this alleged account on my credit reports before they notified me in writing. On XX/XX/XXXX I requested validation of the alleged debt, with the foloowing : statemement which matches the balance being claimed, list of charger from the orginial creditor ( updated as of XX/XX/XXXX ), Proof that they are licensed and bonded as a Collection Agency in Maryland, when was the aprtment released. We never received all of the information requested ( see attachments ). XXXX stated that XXXX in there client but I contacted them and they said they have a new owner as of XX/XX/XXXX and any accounts prior to that is no longer there and to contact the Collection company. FCO is trying to collect on an alleged account that is Past the 3 year Statute of Limitation of debt collection in Maryland. The lease is n't signed with my signature by with a generated signature by has a signed signature by the apartment authorized representative. So if I was presented to receive keys then why is n't my signed signature of this document? And the statement has charges for rents in advance which is a violation if the apartment was released during that time. I pointed all these items out to XXXX with FCO. He stated that they received this alleged account on XX/XX/XXXX but its reporting on my credit reports as XX/XX/XXXX, he stated that they didnt start reporting it until XX/XX/XXXX but they started reporting it in XX/XX/XXXX which is violation. FCO has proof from a previous account with them XXXX that shows my signature and that I was living in another apartment at the time of this alleged lease.
04/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48239	Web
On XX/XX/2023, I mailed a certified letter to the company FAIR COLLECTIONS & OUTSOURCING, in regards to an alleged collection account on my consumer report. Also on XXXX XXXX, 2023 I made a complaint on this platform portal that the companies FAIR COLLECTIONS & OUT and XXXX were negatively affecting my consumer report by reporting false and inaccurate4 information of this alleged collection Account # XXXX, on my behalf. It has been well over the allotted timeframe of response and verification, pursuant to 12 CFR 1006.34-Notice for Validation of debts must be within five ( 5 ) days. Being that either of these companies can not validate, prove and provide the authenticity of this alleged collection account, under federal law and to, my fair act consumer rights, this alleged collection account # XXXX is to be immediately removed from my consumer report, along with a written letter to my home address stating that this alleged collection account is removed. I am not sure where this alleged account came from and I don't know who it belongs to, however this alleged collection is not mine. This action will be taken to federal court, as it is against my consumer rights of unfair practicing and false reporting in regard to 15 USC 1692 validation of debt, and Fair Credit billing act. Once a consumer files a complaint to the Consumer Finance Protection Bureau, that the company must respond. The FAIR COLLECTIONS & OUT company HAS NOT and IS NOT responded by mail or consumer portal. I humbly demand a removal of this alleged account that does NOT belong to me, removed. Attached are Exhibits A and B, of the Debt Verification certified letter with return signature to the company FAIR COLLECTIONS AND OUT with evidence that this company has received the document and signed for it.
06/09/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TX 79938	Web
I have tried to fix the situation with this company multiple times with Fair collection & outsourcing. This debt that is not mine which is a result from identity theft, this company has been paid using a 1099c and the company is still reporting negatively on my consumer report. The company has already discharged the debt via 1099c. I have already contacting the 3 major consumer reporting agencies about this matter with police report and identity theft report and yet they refuse to remove the item from my consumer report. I am now demanding Fair collection & outsourcing to properly remit 1099c so that I can properly file my taxes. I am demanding that fair collections & outsourcing send me a copy of the 1099c b for the debtor documentation that Fair collection & outsourcing has already transferred over to the treasury. Also i am demanding that fair collection & outsourcing contact all 3 consumer reporting agencies and update the status of the consumer report to paid or remove the identity item from my consumer report either or because this is not my debt but since they have already been paid they have a choice to either update my consumer report to paid as agreed or remove and remit payment and remove all and any negative remarks on my consumer report due to the fact the debt was already paid for. I am also aware of the certificate of indebtedness which Fair collection & outsourcing has used as assets on the trading market also files a 1099 c with the IRS for all debt over {$600.00} yet failed to provide.I know that Fair collections & outsourcing is trading my securities through the trade market system if not i will have to take extreme measurements in federal court which is the proper venue due to securities being involved. Along with IRS FOR TAX EVASION.
06/26/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	DC 20002	Web	Servicemember
On XX/XX/ there was a letter from Fair Collections and Outsourcing in my apartment mailbox. Upon reading the provided letter, I began to freak out as I was informed that I owed {$2700.00} to XXXX XXXX XXXX XXXXXXXX XXXX. I sent back a letter on XX/XX/ requesting that the collections company do not contact me unless to verify why I was receiving this debt collection letter, or to inform me that the debt would not be sent to credit reporting bureaus. I was not provided with my rights, a timeline of how long I had to dispute the debt, and what options I could take to dispute. I also informed them that they had not provided me with my rights. On XX/XX/ at XXXX EST, I called the debt collection company and asked for a status. The person on the phone stated that because I said I did not want to be contacted, they would not be sending me anything. I expressed that I was confused because I stated that I did want verification, and to only not reach out if they were not going to do so. The person stated that the collection was paused until XX/XX/XXXX, and that after that it goes to the credit bureaus. I asked how to go about this and was told to email then my lease. When I attempted to ask additional questions, I was hung up on. I then sent my lease and additional documentation to XXXX. After informing my friends of what was going on, one suggested submitting an FDCPA Violation complaint. I called CFPB at XXXX and spoke on the phone with someone who did confirm that debt collection companies are to provide my rights in the initial written letter, not over the phone. Again, as of XX/XX/XXXX, Fair Collections and Outsourcing has not informed me in written form as to what my rights are, confirmation that they would not contact me, and how to dispute the debt.
03/25/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 18018	Web
Sometime last year in XXXX around about XXXX or XXXX, I was contacted by AIR COLLECTIONS & OUTSOURCING claiming I owed a debt from my previous Landlord XXXXXXXX XXXX XXXX in the amount of {$3700.00}. I informed the representative at the time that was impossible and incorrect. I explained my payment was never late and paid in full. Including XXXX XXXX XXXX informed me they would not be renewing my upcoming lease and lease will end in XXXX.During this time my wife and I was going through a divorce and I was not living at the resident. Therefore I kept paying the rent as required until my lease ended.The non renewal of the lease was a benefit ensuring I end all connection with my wife. Once my lease ended in XXXX, I surrendered the key to the office manager. Later I discovered that my ex-wife still living in the resident assuming the office manager renewed the lease with my ex-wife for her name was on the lease as a joint while i was living at the residence. Later I discovered that XXXX XXXX XXXX had file a Recover of Real Property hearing against my ex-wife well after my lease ended and keys was surrendered. I informed the representative this is not my debt and its an issue with my ex-wife. I fulfilled all obligations required on my end. Including I have documentation stating this debt is indeed my wife for the paperwork XXXX XXXX XXXX filed in court was against her. Now i check my credit report and was disturbed to find out this building and collections agency placed a collection on my credit report. As a result, I have been turned down when trying to secure funding and opening accounts with different retailers. See attachments below supporting bank statements rent was paid in full and XXXX XXXX had a swatter issue which I was not a participant.
08/25/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	DC 200XX	Web
The original debt was part of a court case in DC XXXX XXXX, XXXX XXXX, XXXX LTB XXXX. It resolved around landlords accusation of rent owed and tenants countersuit of discrimination based on XXXX orientation and disabity, plaintiff not providing a safe environment and other issues. The case was originally settled and I have in my possession a letter from XXXX XXXX XXXX, the original creditor, dated XX/XX/XXXX stating that rent was paid up to date. The case was then dismissed by the original creditor between XX/XX/XXXX and XX/XX/XXXX. There was no additional court filings by the original creditor and neither myself or my attorney 's have heard from the original creditor since. In XXXX of XXXX, I learned of a collection on my credit report from FAIR COLLECTIONS AND OUT. I had not received anything from them prior to this discovery. I filed a dispute with XXXX XXXX and apparently Fair Collections provided proof that the debt was accurate. If they in fact have documentation stating so, it is fraudulent. Again, the court case surrounding this debt was dismissed by XXXX XXXX XXXX and XXXX XXXX XXXX never contacted myself or my attorney 's after the dismissal. Any claim of debt owed to XXXX XXXX XXXX would require specific documentation mailed with a itemization of supposed debt, allowing myself to dispute any claim, per DC Landlord/Tenant Laws. The account at Fair Collections, opened XX/XX/XXXX is only approximately 30 days after the original court case was dismissed. This short time would not provide the time for any legal procedure for the claim of debt owed and response, if such a claim had actually been received. I have received nothing from the original creditor or from Fair Collections and Out regarding any supposed debt owed.
02/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 20109	Web	Servicemember
In XXXX of XXXX after checking my credit report, I discovered an account in collections on my XXXX report that was fraudulently created. The account was reported by Fair Collections and Outsourcing with the original debt by XXXX XXXX XXXX. I disputed the account but XXXX is refusing to removed it as others have done. I previously reported identity theft to the FTC in XXXX XXXX XXXX and disputed several accounts, which were subsequently removed. Also at that time, I noticed an address that I had never lived at. I contacted the apartment management and inquired about any possible account. I was provided a copy of a lease that was delinquent and the apartment was vacated some months prior. I communicated that I was a victim of identity theft and inquired how any information was verified before the lease was signed. XXXX XXXX XXXX stated that there was NO IN-PERSON VERIFICATION of the identity of any individual on the lease. I communicated that I will not accept responsibility for any delinquency and I will seek remedy if they pursued a debt reporting. XXXX XXXX XXXX could have taken very simple steps to prevent this fraudulent account from being created! XXXX XXXX XXXX XXXX could have required an in-person visit to verify identity. Second, XXXX XXXX XXXX could have verified the signature on the ID provided with the lease signature. Third, XXXX XXXX XXXX could have required each applicant to supply different contact numbers instead of the same. Lastly, XXXX XXXX XXXX could simple use more due diligence and common sense by requiring more than XXXX photo ID and do additional reference verification before creating a lease. XXXX XXXX XXXX is complicit in the creation of the fraudulent lease by not having good business practices.
03/17/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90620	Web
I lived at the XXXX apartments from XXXX. In XXXX of XXXX I was advised by XXXX XXXX ( manager ) that the unit I was renting would be renovated and that I would have to move. In an effort to assist with relocation I was told You dont have to pay the rent for XXXX, save your money to move. It is outlined in the notice. I moved from the property on XXXX. I did not become aware of the debt being reported to my credit until XXXX. At which time I took the following steps. XX/XX/XXXX I sent my initial email to XXXX and telephone calls ( no response ) XX/XX/XXXX During a follow up call to XXXX I was told to speak to XXXX XXXX XX/XX/XXXX XXXX XXXX said he would send me a moveout statement ( per my request ) XX/XX/XXXX Followed up on my request for moveout statement. XX/XX/XXXX Spoke with XXXX who said he would be contacting XXXX with next steps XX/XX/XXXX XXXX outreached in an attempt to collect the debt. I explained the situation and was told they would contact XXXX to confirm the amount is error XX/XX/XXXX XXXX said that they had not heard any response from XXXX or any associates from XXXX I have sent a certified verification of debt with my 60 day notice as well as text messages between XXXX ( manager ) and myself to XXXX and XXXX XXXX. I received a response from XXXX with a copy of my lease and move-out statement. They refuse to acknowledge any of the proof that shows the debt is being reported in error. There were numerous attempts to contact XXXX thereafter with no response. Upon reviewing the ledger I am being charged for XXXX Rent : XXXX + late fee XXXX XXXX Rent XXXX + late fee XXXX These charges are wrong and I have exhausted all possible remedies with the collection company and original company XXXX XXXX.
01/05/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	TX 77082	Web
FCO has an account in my name that is affecting my credit report negatively, I believe this was a result of identity theft, however they refuse to remove it from my consumer report. I even went as far to settle with them but they backed out on the settlement because I refused to pay the full amount because they knew I was in the process of buying a home so they tried to use that as leverage. I declined as asked them to verify the debt and validate it, to which they did not after numerous request only after I filed a complaint in CFPB they claim to have instructed me to send them proof of residency during certain time periods. I never received any instructions or what documents to send to prove residency so they can remove this as a result of identity theft. I would have sent them that instantly because I was out of the country during that time period and have credit card statements to prove it with a XXXX XXXX mailing address to which I have attached here. FCO needs to remove this account immediately from my consumer report within 72 hours. I have been patient enough. I am also considering taking legal action as they have violated FCRA regulations as well causing financial stress because of this inaccurate derogatory information on my consumer report. I ask that you resend your instructions here in this platform to ensure I receive them because I have not received any communication from your company unless it was to pay you a certain amount. It is only after I reported them on this website they claim to not accept any settlement for identity theft to cover their tracks well please attached credit card statements to prove my residency. You can not try to defraud a military member because we keep all documentation.
04/27/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 398XX	Web
I noticed an account on my credit report back in XXXX of XXXX by the name of FAIR COLLECTIONS & OUTSOURCING, I immediately didn't know what the account was. After doing a little research, I see that the original creditor was TXXXX XXXXXXXX. I didn't know what that was. So I filed a police report and a Identity theft affidavit online and sent to all three consumer reporting agencies. I never heard anything back from FAIR COLLECTIONS & OUTSOURCING so I thought the account had been removed. I only get a free credit report once a year, so I don't check it often. Well when I checked my consumer report back in XXXX of XXXX, I noticed the FAIR COLLECTIONS & OUTSOURCING was still showing on my consumer report and under the notes it stated, the investigation of the dispute has been resolved. I was wondering how could that be because I was never sent anything verifying or validating this debt, nor was I informed about the investigation. So I resent my documents to the 3 consumer reporting agencies ( XXXX, XXXX, and XXXX ). Once again on XX/XX/XXXX I received an email saying investigation complete please check your dispute results online. Low and behold the account FAIR COLLECTIONS & OUTSOURCING is still on my report and the notes are reinvestigation complete this account has been updated. I still haven't received any documentation validating this account and this is not my account. The original creditor is XXXX XXXXXXXX. I have never heard or been associated with anything called XXXX XXXXXXXX. This is a fraudulent account and FAIR COLLECTIONS & OUTSOURCING are not investigating the disputes properly and just simply saying they are validating and verifying the account without doing so. Remove this account immediately.
01/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 62269	Web	Servicemember
On XXXX XXXX, XXXX I was evicted from my apartment at XXXX XXXX XXXX, XXXX, IL XXXX under Management of XXXX. I was given until XXXX/XXXX/XXXX to move out, and a judgement-XXXX was entered against me for {$1000.00}, which included attorney fees, and court cost. A sheriff notice was placed on my door on XXXX to move within 48 hrs before any sheriff came out I had moved out. On XXXX XXXX, XXXX, after finding another place I sent the landlord a notice regarding my deposit and when it will be refunded because it 's been over 45 days since the judgment. Instead XXXX XXXX XXXX, XXXX XXXX sent me ANOTHER bill-account XXXX which is separate from the judgment and is for rent for XXXX and XXXX, and some other charges that took my deposit. It totaled {$1600.00}. I disputed the bill on XXXX/XXXX/XXXX with XXXX XXXX XXXX, sending a certified letter to XXXX XXXX XXXX, XXXX XXXX, and their attorney and neither parties responded. Instead they sent the amount to the collection agency XXXX on XXXX/XXXX/XXXX. The collection notice did n't even give me a 30 day notice to dispute. Instead in a notice dated XXXX/XXXX/XXXX. They told me that they were reporting it to the credit bureau. I do not owe {$1600.00} this amount includes rent XXXX, XXXX and XXXX, XXXX that I was not made responsible to pay per court order, because I was evicted, and questionable charges that took my deposit of {$350.00} and the collection agency is not honoring the disputed letter sent to their client, XXXX XXXX XXXX, XXXX, nor did they send me a letter stating that I had 30 days to dispute the collection. I believe they have sent this to my credit report, I have n't received a copy of the credit reports yet. Please see documents.
11/23/2023	Yes	Debt collection Rental debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 95834	Web	Servicemember
My name is XXXX XXXX, I am a XXXX program participant ( XXXX XXXX with XXXX XXXX XXXX ) and previously resided at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX ) until XX/XX/XXXX. I currently reside in XXXX, XXXX I only just learned today that a collection agency ( Fair Collections & O ) submitted derogatory information about an alleged debt owed ( {$1300.00} ) in XXXX of this year. At no time did this collection company or its employer ( XXXX XXXX XXXX ) make a reasonable good faith effort to contact me directly, either by by email mail or telephone to inform me that my resident ledger had a balance owed. At the time of my departure I did not owe any monies to XXXX and it remained in possession my rental deposit. During the month of XX/XX/XXXX I provided XXXX XXXX XXXX XXXX XXXX with my updated contact information when exchanging emails that focused on scheduling and finalizing a day/time for a moving company to transport my few remaining belongings to XXXX ( I was not present in XXXX when this move occurred. ) Interestingly, the last email that I sent XXXX requesting information about returning my keys to their property went unanswered. Fair Collection & O AND their employer XXXX were at all times in possession of my recently updated contact information and neither company made a reasonable attempt to satisfy their due diligence prior to submitting false derogatory information about their claims of money owed. Subsequently, as a direct result of this companys actions, which are in direct violation of The Fair Debt Collection Practices Act, my credit score at two major credit bureaus had decreased XXXX and XXXX points. Where are my consumer protections please?
06/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 12590	Web	Servicemember
XXXX accounts for Fair Collections and Outsourcing, # XXXX, and # XXXX, are in error. I have attempted to get these alleged debts removed from my credit reports. XXXX have done so, but XXXX refuses. These alleged debts were purchased by a collection agency from XXXX XXXX Apartments. I have sent documents proving that I do not owe this debt. In a nutshell, I had planned to lease an apartment XXXX Apartments, only to receive military orders to report to duty in New York State. Despite federal law, the Soldiers and Sailors Relief Act, which required XXXX XXXX Apartments to rescind the lease once I provided notice, XXXX XXXX Apartments refused to do so, necessitating litigation. When the judge learned that I was under military orders, the judge appointed me a guardian ad litem, who succeeded in getting the malicious lawsuit filed by XXXX XXXX Apartments dismissed. In other words, the court held that I owed nothing. XXXX XXXX nonetheless went and sold a fraudulent alleged debt to a debt collection agency, Fair Collections and Outsourcing. I informed Fair Collections and Outsourcing of the dismissal of XXXX XXXX Apartments ' case and that the debt was invalid. Fair Collections and Outsourcing has chosen to report me to the credit bureaus as a form of extortion in an attempt to get me to pay an amount that the court held I do not owe under federal law. Despite numerous communications with Fair Collections and Outsourcing, this unscrupulous debt collector refuses to inform XXXX that the debt is invalid. Consequently, XXXX will not remove the amount from my credit report. Even worse, XXXX of the alleged " debts ' is in fact a security deposit that XXXX XXXX is obligated to return to me.
05/22/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92123	Web	Servicemember
I was contacted by Fair Collections & Outsourcing FCO around XX/XX/XXXX and informed that an account ( XXXX ) was in their office 30 days and actively being reported to the Consumer Credit Bureaus as a collection account on my report and the actions would continue until I paid Fair Collections & Outsourcing {$5000.00} for an account involving the XXXX XXXX. I provided written dispute to FCO on XX/XX/XXXX requesting FCO cease collection and reporting activity according to FCRA regulations. Following communication with XXXX XXXX I pursued legal advice and filed Small Claims Hearing, learning the limitation of Small Claims I reconsulted and began retainment of legal representation to attain judgement and damage recovery. I submitted disputes to the Credit Reporting Bureaus regarding the Fair Collections & Outsourcing account but continued to be negatively impacted by the presence of the collection account. Te date request for debt verification request remains unfulfilled and the collection account continues to be reported which has caused me to be disqualified for housing. XXXX XXXX has reported an invalid amount intentionally withholding substantiating dialogue. Fair Collections and Outsourcing continued attempts to collect and report a debt with a financial gain incentive, without proper investigation, documentation or adherence to Federal regulations and intentionally caused severe damage to my livelihood and well being in effort to collect debts without basis to assert this action to my knowledge, my requests for debt verification are unfilled. FCO states on XX/XX/XXXX that my dispute with the Credit Bureaus has limited their ability to provide a debt verification.
08/01/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 11433	Web
Around on or a bout XX/XX/XXXX , I received a phone call from a collection representative by XXXX XXXX , he advised me he was calling from FCO - Fair Collections & Outsourcing Inc. about a debt with XXXX ( XXXX ) XXXX XXXX . I advised him that I never lived at the residence he was speaking about and stated that this was fraud. After the call, I checked my credit report only to see that a judgment had been entered against me on XX/XX/XXXX in the amount of {$2300.00}, in XXXX District Court. I called back immediately, and spoke with another representative, in which, I provided him with this information as well as the reference number XXXX XXXX . A few days ago, I received a credit alert upon checking, it shows that this company has put this on my credit report with the dollar amount of {$4000.00} and the account was supposedly, opened on XX/XX/XXXX . I called again on XX/XX/XXXX , and spoke with XXXX XXXX again, once again, I provided him with the same information and asked him why they put this on my credit report and the amount and opening date of this account is wrong. I asked him how can you put an account on a person credit report with wrong information. He said that I need to fill out some paperwork and I did n't so therefore, they had the right to do so. The paperwork is about fraud because, I told him that this account was n't mines. I am still trying to get this matter straightened out. However, I want them to remove this account from my credit report since, it is already showing the account has a judgment. I want to know how, they can change the amount from the judgment entered by the same company. Please investigate this company!
01/11/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 94002	Web
In around XX/XX/XXXX or XX/XX/XXXX I was XXXX years old and living with my parents and I was forced to sign a lease contract in which under California law that 's a violation. XXXX XXXX XXXX XXXX had me sign the lease contract online by force and if I would n't sign the lease I would n't be allowed to live with my parents. My parents did n't know and I told them, but we need it apartment and we did n't say much or else we would n't have a place to live. I have filed many complaints against XXXX XXXX XXXX and collection company Fair Collections and Outsourcing XXXX XXXX XXXX, XXXX XXXX XXXX, MD.XXXX.XXXX. My credit scores and credit is destroyed because of XXXX XXXX XXXX, Collections and Attorneys forcing me to pay {$3700.00}. My Dad XXXX XXXX XXXX XXXX XXXX Military Veteran and XXXX and XXXX file a Federal Bankruptcy Chapter XXXX in XXXX, Texas and debt of {$3700.00} that was his was included in the bankruptcy.Federal Judge discharged Bankruptcy on XX/XX/XXXX, Filed case # XXXX My mom XXXX XXXX and my sister XXXX XXXX should n't be liable for debt as my dad was the wage earner and primary leasr on XXXX XXXX XXXX Contract. I am been Retaliated and Discriminated because I am XXXX and also my mom and sister. All our credit is been destroyed because of the Retaliations against us as XXXX. XXXX, XXXX and XXXX has collections of debt of {$3700.00}. Me and my sister was high school students back around XX/XX/XXXX -XX/XX/XXXX-XX/XX/XXXX. My mom had a low wage job. My Dad was employed by XXXX XXXX XXXX in California where he had high XXXX My dad had to retired from XXXX XXXX XXXX with a XXXX XXXX on XX/XX/XXXX. I can not succeed in life without excellent credit.
08/16/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33029	Web
I called this company on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This was allegedly for expenses after I moved out of the apartment at XXXX XXXX. After 4 months of requesting debt validation, I received the contract and the alleged invoice. I called the company and informed them that the invoiced items could not belong to me. According to the lease that was provided to me by the debt collector, the terms began on XX/XX/XXXX through XX/XX/XXXX. The lease was signed on XX/XX/XXXX. The invoice is charging me for items before my lease began and for items that were not done when I was in the apartment. I am being charged for items done on XX/XX/XXXX to XX/XX/XXXX when my lease did not begin!! When I moved in the apartment, it was already painted and cleaned. How can I be charged for painting that allegedly happened when I already moved in? No painting occurred while I was in the property. They are charging me for unit not cleaned on XX/XX/XXXX when I was already in the apartment! They are also charging me for early termination fees of two months and a half when I left the apartment 2 days before my lease ended! I called the debt collector three times and they said they were contacting XXXX XXXX and they never answered my calls. I explained to the debt collectors how is it possible that painting occurred when I was already in the apartment and how can the apartment be cleaned when I was in the apartment? I told them they had the wrong person and they refused to answer my calls and tell me what XXXX XXXX said. This is not my bill and I refuse to pay it. This is damaging my credit report and hurting my chances of purchasing my home! I need this deleted! It is not my bill!!!!
02/15/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	IN 46254	Web
XXXX XXXX I discovered that I was a victim of identity fraud when a former girlfriend co-signed my name on a lease for an apartment, resulting in my name being submitted in collections owing over {$3000.00} from XXXX. This was also submitted onto my credit report. FCO, the collection agency has attempted to collect this false debt from me last summer. Shortly after discovering this, I disputed this along with submission of an affidavit with all relevant & requested paperwork with proof of identity & my residency at the time of incidence that this debt was not mine and that I was a victim of fraud. I mailed it via XXXX and per tracking, it was delivered to FCO on XXXX/XXXX/XXXX at XXXX. The fraud report was also submitted on https : //www.identitytheft.gov/ as well as disputed on my credit report ; however, due to FCO handling this XXXX the other XXXX disputes were not submitted. A couple weeks after the affidavit submission, I began calling FCO to follow-up on my case. Every person I spoke with was extremely difficult to communicate with, no one was straightforward. They all simply beat around the bush, kept putting me on hold and I got absolutely nowhere. Furthermore, no one could confirm nor deny that my affidavit was received, despite the delivery confirmation. I called back about XXXX2 weeks later and same story, same bush. I then told them to call me once something comes up. It is now XXXX and I just received a new invoice from FCO, yet again, attempting to collect the debt. I simply can not deal with calling this terrible thick-headed company again, as no one can help me. They ignore my submissions and only submit theirs. This is a false debt, it is not mine.
06/10/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 78681	Web
On XXXX XXXX, 2013 XXXX XXXX XXXX XXXX XXXX. Report false information to fair collections in and out. I responded to fair collections in and out, but asking them to validate the debt. In response they sent me a document with a list of charges that XXXX XXXX XXXX XXXX XXXX says that I owe. I called them and explained that this was not a proper validation of debt. They refused to validate the debt properly and placed the information on my credit report for collections. FCO is in violation of Texas property code Sec.XXXX. FRAUDULENT, DECEPTIVE, OR MISLEADINGREPRESENTATIONS. ( XXXX ) failing to maintain a list of all business orprofessional names known to be used or formerly used by persons collecting consumer debts or attempting to collect consumer debts for the debt collector. FCO is not listing all the names of there client ( XXXX ) failing to disclose clearly in any communicationwith the debtor the name of the person to whom the debt has been assigned or is owed when making a demand for moneyThis collection is for a apartment complex. In order to properly validate the debt FCO is required by Texas property code to obtain information includes a copy of the lease, itemized charges, diligence to find a new tenant ( if appropriate ), Date and proof of the new tenant moving into the unit. XXXX XXXX ) using a written communication that fails toindicate clearly the name of the debt collector and the debtcollector 's street address or post office box and telephone number if the written notice refers to a delinquent consumer debtNo information about XXXX XXXX XXXX XXXX XXXX is listed on the verification of debt letter sent by FCO. I do not owe this company money.
09/14/2023	Yes	Debt collection Rental debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	IL 60090	Web
I first spoke with FCO ( Fair Collections & outsourcing INC ) on XX/XX/2023 regarding a debt that has been placed in there office with XXXX XXXX, at that time i spoke with XXXX, XXXX did not verify that she was speaking with the correct party. Per the FDCPA Section 1692c ( b ) debt collectors are required to verify they are speaking with the correct party before moving froward with the phone call. On that day i also spoke with manger XXXX, she stated they will investigate the phone call i had with agent XXXX. I did advised XXXX i was going to follow up in one week, to check the status of the investigation. I made a follow up call on XX/XX/2023 to check the status of the investigation. I spoke with XXXX and she advised that there was no conclusion and she will escalate this matter to there Quality assurance department. I then Followed up on XX/XX/2023, i spoke with agent XXXX XXXX, who also violated my rights covered under section 1692c ( b ) of the FDCPA. XXXX failed to Verify she was speaking with the correct party, while disclosing personal information regarding my debt. On that same phone call, agent XXXX XXXX also violated my rights covered under Section 1006.14 ( a ) of the FDCPA, which states " A debt collector must not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. ". On XXXX/XXXXXXXX XXXX was over talking and speaking very aggressively to me in a manner that caused great discomfort, and felt very abusive. I am requesting for this account to be removed off my credit report, as the company that is doing the reporting is not protecting my rights as a consumer.
06/12/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 20747	Web
In XXXX of XXXX I got home from work and my locks were changed. I was unable to get into an apartment I was renting from The XXXX located in XXXX XXXX , MD. I had to wait until Monday to speak with the property manager. On Monday I spoke with the property manager in person and he was not aware that the financial accountant manager had changed my locks stating that I had skipped my lease. I in fact did not skip my lease and had already made XXXX the leasing manage aware that I was moving out and not renewing my lease. My lease was not up until the following month. The property manager XXXX told the maintenance manager that they just had to XXXX up the fees and let me back into the apartment. I asked them to place it in writing that I would not be charged and he would not do so stating he had to wait for the attorney to see if I was on the list for eviction. I was not on the list. A year later I received on my credit report a collection for {$6900.00}. These fees included carpet repair, cleaning of the unit, rent for two months due to skipping the lease. I never was given access to the unit to move any of my belongings and never was given copies of the new set of keys once the locks were changed. Never given a chance to properly clean the unit. I was still a tenant and the locks were illegally changed. I have not been able to get any information from XXXX Apartments due to change of ownership. I have contacted the Property Manager numerous times and he states that the records will have to be pulled from the basement. I called in XXXX he asked for 30 days. Every since still no answer from the corporate office or the XXXX office
02/15/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	MD 20746	Web
Upon checking my credit report, I noticed that Fair Collections and Outsourcing were reporting an account XXXX to all XXXX credit reporting agencies. For starters, I was not notified of the alleged debt before it was thrown onto my credit report, it suddenly appeared. Fast forward to XXXX XXXX, 2017, I sent a debt validation letter to FCO asking them to validate the debt. I received correspondence from them on XXXX XXXX, 2017 in the form of a package enclosed with the copy of a lease that bears an electronic signature and a statement of charges.This to me is not a form of debt validation, its basically FCO stating that they purchased a debt from a creditor and are trying to collect without proving that I have in fact have done business with them. After sending my second letter to them requesting that they send me proper validation, they responded stating that they will not respond to multiple request of me asking them to send proper proof of validation. I also disputed this collection with the credit reporting agencies and have since received feedback from XXXX whom stated that FCO sent back the account as " verified ''. They have since changed the way they are reporting on my credit report since I filed a dispute for removal of the account from my credit report. They changed the original name that they were reporting under from Fair Collections & Outsourcing to XXXX XXXX. How are they able to verify an account and change the name they are reporting under to the credit reporting agencies? It is their job to provide proper documents of validation in order to collect on as debt, and it is also their responsibility to report ACCURATE information.
03/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 60657	Web
After exercising my right to legally terminate my lease, XXXX XXXX XXXX has put a collection against me for XXXX. They hired Fair Collections and Outsourcing who still has a collection against me that is effecting my credit score and almost cost me my chance to rent an apartment. They have also put this collection on my former roommates credit, as well as her co-signer 's. Clearly the allegation of debt is BOGUS, for not XXXX, but two reasons : ( 1 ) If apartment was re-rented in XXXX, the only rent we could possibly owe, if owed at all, would be for XXXX, which was {$1400.00}, NOT {$4400.00}. And ( 2 ) we legally terminated the lease, irrespective of re-rental, effective XXXX XXXX, 2013, as explained in full in your letter, dated XXXX XXXX, 2013. We 've sent them documentation in 2013 which contained the law that our former landlord broke that legally released us of this debt ( such as work work they refused to do to keep our building safe - like faulty lights and electrical outlets, plus the law they broke about rerenting our apartment once we left which then releases us of any debt. ) In XXXX of 2013 they wrote in the letter that we had 30 days from receipt to dispute the validity of the charges. We called their service department and was asked to e-mail documentation to them to support our cause. We never heard from them from that point. I request that you investigate these chargers and ask them to remove these faulty claims. We worked with the XXXX XXXX XXXX and they have all the documents that support our case. XXXX did not take us to court as they threatened but we will happily do so if these charges are not dropped.
01/14/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 932XX	Web
We need to complaint on the company Fair Collections and Outsourcing, they are collecting on behalf XXXX XXXX, a property management company for an apartment we leased on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. When we moved out from the apartment, the property manager told us we would receive a notice with the calculation of the charges or refunds depending on the work required to fix or clean the apartment. we never received that letter or notice so we contacted the property manager to update our new mailing address, but they said they were working on the letter. After multiple attempts to get the letter or at least an update the property manager they stop answering our calls. Suddenly a collection popped-up on out credit reports, a collection with Fair Collections and Outsourcing who is collecting on behalf the property management company. Since the balance is over {$6000.00} dollars, we contacted this company and requested information about the account, they were not able to tell us the reason of the {$6000.00} dollars debt, they could not explain how the property management company calculated this amount. Also, we requested an itemized statement of the debt, but the collection agency refused to send it since they mailed one already, however we never received that letter, so we asked what address they mailed it and it turns they mailed to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX the same address where this debt is coming from, after clarifying the address to the representative he confessed they received a return mail but anyways will not send a validation/itemized statement.
01/26/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OH 43223	Web
My lease was ending on XXXX2015.. My boyfriend and I personally gave the property manager a 60-day notice that were leaving..The stay at XXXX XXXX was very XXXX and we had no security there. Therefore, while my boyfriend and I look for homes to move into ... sometimes my sister come to stay on and off until we find a new home. My sister and I personally went to tlk to property manager about having her take over my lease until it ends XXXX2015 ... Property manager XXXX had my sister do an application and pay for app fee ... My sister did all of that she got approved to stay until lease is cancelled ... .We all tlk about renewing it and I verbally told property manager no thank you I found a home and do n't want to cosign for my sister..Therefore, property manager told my sister she needs to find a Cosigner if she wants to renew the lease but if she cant find one then the lease is cancelled ... I told property manager find with me because were moving soon ... .In which we did right after my sister was approved we moved in our new home XXXX XXXX, 2015..I have proof when we legally signed papers on moving into our new home and my sister has paperwork when she legally signed to tke over my lease until XX/XX/2015 ( end ) ... I have proof of all my rent reciepts and my sister has proof for rent reciepts too. Last of all, I got information for a collection agency about breaking a lease and I owe money etc ... Im just confused bc i gave them 60 day notice in person and verbally said im leaving and that Im not cosigning for XXXX or renewing my lease. Now all XXXX of our credit is damage and I just want to figure how to fix this fast.
04/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 78681	Web
Fair Collections & Outsourcing has been trying to collect a debt of {$2000.00} on behalf of XXXX XXXX. FCO Has given no real documentation that I owe this debt. I spoke with XXXX XXXX both corporate office and XXXX facility as it is known today and they had no information about the account. FCO has sent me a copy of a ledger no letter head of company claiming that I owe the alleged debt as proof of validation. When I challenged this, they proceeded to send me a copy of my lease from XXXX, which they could have obtained from any where. I sent them an email XXXX/XXXX/2016 requesting viable information proving that I owe this debt. I have asked fro the following in my email : CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting history leading up to alleged debt. Commission for debt collector if collection efforts are successful. They answered me today, by providing the same ledger that proves nothing and lease agreement that they could have obtained from anywhere.
12/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	PA 151XX	Web	Servicemember
I recently paid a debt of {$160.00} from 2012 against my principles to the XXXX XXXX of properties, specifically the XXXX at XXXX XXXX. The reason for this charge was because they raised my rent, converting me to a month-to-month lease while I was on XXXX XXXX with the XXXX XXXX stationed at XXXX XXXX, MD. I was in the XXXX Transition Unit at the time, recovering from XXXX. My orders were modified three different times, altering my discharge date. I informed the front office of this and provided a copy of the orders. I offered to sign a lease, but was told it was n't necessary since I was in the military. Later, the property manager informed me that since I had not renewed a lease that I was to be placed on a month to month basis at a higher rate. I informed her at the time that I offered to sign a lease but was told it was n't necessary. This debt still exists because I do not agree with this business practice. I have certainly had the means to pay, but I felt it was wrong and also it is in direct violation of the Servicemans Civil Relief Act, which is supposed to prevent companies like XXXX from taking advantage of military members that are being housed temporarily due to military service. Unfortunately, my financial well-being has been damaged for too long as a result of this, so I am reluctantly paying the {$160.00}. I 've reported this behavior previously without it being resolved. The XXXX XXXX should be ashamed to earn money in this bait-and-switch fashion. In my opinion they should be investigated ; violations of SCRA are criminal penalties. Taking advantage of members of the military is about as low as it gets.
10/20/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	SC 299XX	Web	Older American
Fair Collections & Outsourcing XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2023 To whom it may concern Pursuant to your reference # XXXX and # XXXX the Fair Debit Collection Practices Act FDCPA youre required to provide a verification of debt including the amount owed within 30 days. My reason to challenge : 1 ) Carpet was cleaned prior to moving in padding could have been damaged then. 2 ) I had no warning of damage or chance to witness it before getting the closing bill 3 ) I was not warned of a potential problem since there was a of inspection I week prior to moving out! 4 ) I was not provided pictures of the damage until carpet was replaced. I called and questioned XXXX XXXX XXXX XXXX about why we were not given an opportunity to witness a first-hand account of the damage, then and only then pictures were emailed. Pictures do not identify a particular apartment could be of any apartment the layout of every apartment is the same. XXXX ) Our dog is XXXX lbs and was walked religiously. The pictures show damage of a much larger species 6 ) I paid monthly Pet fees that were to cover any damages 7 ) Upon notice of moving out I was given an option of cleaning the carpet myself or pay {$250.00} for XXXX XXXX to do it. If the damage was that great why was I given the choice? You do not get 2 bits at the same apple! I will be filing a complaint with the CFPB Consumer Financial Protection Bureau and the Federal Trade Commission Pursuant to FDCPA Fair Debt Collections Practices Act, I am requesting you stop contacting me immediately!!! XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
12/25/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	CT 06770	Web
am writing to express my ongoing concerns regarding the debt claimed by this agency in the amount of {$10000.00} along with a move out date of XXXX XXXX discrepancies and inaccuracies in there records are causing unnecessary distress, and I am seeking a prompt resolution. I have provided comprehensive documentation, including : XXXX. A copy of my current leasing contract, effective XX/XX/2023. XXXX. A cashiers check made payable to the owner mentioned in my lease contract. XXXX. A utility bill generated at the beginning of XX/XX/2023 to establish residency. XXXX. Mail addressed to me at the previous address, as per your request. Despite my efforts to comply and the provision of a photo ID affidavit of truth, your agency continues to harass me for more information. I want to emphasize that my name is XXXX XXXX XXXX, not XXXX XXXX as stated in your validation letter. It is disconcerting that, after three separate investigations, your agency has been unable to reach a decision and persists in requesting additional proof. These actions violate my rights under the Fair Debt Collection Practices Act ( FDCPA ) .I have also sent by email the laws they have violated and have not heard any response regarding theyre in accuracies I urge your agency to promptly and accurately assess the information provided and cease any further unwarranted harassment. I am willing to cooperate within legal boundaries to resolve this matter, but I expect fair treatment and adherence to the established laws. Please acknowledge receipt of this letter and provide assurance of a timely resolution. Sincerely, XXXX XXXX XXXX.
06/20/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NV 89014	Web
Between XX/XX/XXXX-XX/XX/XXXX, I spoke with representatives from FCO ( FAIR COLLECTIONS AND OUT ) regarding an account listed on my credit report. During these conversations, FCO and I made an agreement for me to pay a total of {$9800.00} to settle my account and to have this account completely removed from my credit report. On XX/XX/2019, I received confirmation via email that FCO had received and accepted my money order payment of {$9800.00}. The following statement was made by FCO according to the final settlement letter : " This office accepted a settlement for {$9800.00} on your account. Therefore, this account has been closed in our office as settled. If any credit bureau was notified of this account they will be advised to update the account as settled. '' After receiving this confirmation and agreement to settle debt and close the account, I noticed that the credit bureaus were indeed notified and the FCO account on my credit reports was removed, per FCO 's agreement. I also disputed this with XXXX via XXXX, an apartment credit reporting organization during this same time period. After investigating this case, XXXX verified my statements as fact and as a result, XXXX sent me a confirmation letter stating that this collections account had been successfully removed from my rental history credit report. Less than 1 month later, I noticed FCO had fraudulently resubmitted my account information to the credit bureaus and has begun reporting the account negatively as collections. This has had tremendous affects on my well-being and ability to find stable housing and transportation.
01/22/2016	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	IN 462XX	Web	Servicemember
The Fair Collections and Outsourcing is reporting fraudulant information on my credit reports, transunion, experian, equifax ... The original creditor is XXXX XXXX XXXX XXXX, where I lived ... I eventually had to leave the premises due to a non-liveable apartment ... The first incident was a large water leak that ruined my bedroom furniture ... The leak created mold in the walls and on my carpet in the bedroom and bathroom ... I reported this to XXXX XXXX and it took almost 2 weeks before the maintenance men to deal with the problem ... A large fan was placed in the bedroom to deal with the leak, however, a mess was made, my furniture ruined, and the fan was so noisy I had to vacate the apartment for several weeks until it was fixed ... After several weeks, the management at XXXX XXXX was notified by me, and the regional manager agreed to discuss moving me to another apartment at XXXX XXXX if further problems should arise ... The Regional Manager XXXX, showed up and hour late for our meeting ... I explained to her that the mold, and huge leak was n't the only problems in the apartment ... Cold water, after a new water heater was put in, ants in the kitchen on a daily basis ... Ants in the refrigerator, bugs in the window ceils, bathroom and tub areas ... MOLD ... Window Problems, Washer and Dry Problems, Maintenance Men dumping the lint traps in front of my apartment as well as the Neighbors apartments ... Eventually, the maintenance men and the exterminator were in my apartment on a weekly basis ... .I put in a 30 day Notice to Vacate the Apartment Complex due to non-livable conditions ....
03/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 490XX	Web
This is a formal request for the details of the procedures used to determine the accuracy and completeness of the information in dispute because you told me you verified the accounts and that they belong to me but have not provided proof. It is scary to think that you did not do as you are governed by the Fair Credit Reporting Act and that other consumer might be affected, as well. Having this type of information on a persons credit report is unfortunate and severely damaging but having incorrect damaging information on a persons credit report is unacceptable. The following accounts don't belong to me at all so please look into this for me. XXXX - XXXX - Last month I sent you a letter stating that this needs to be looked at. I see no proof of an investigation done at ALL! There are XXXX different activity dates being reported. Investigate this account and provide proof it was done! Remove this inaccuracy from my credit report or I will sue! I do not know what this is. Please investigate and remove from my report. XXXX - XXXX - Last month you stated that this is reporting accurately. However, I see XXXX different activity dates being reported on this account. Show me the proof that this is actually my account otherwise delete this from my credit report. I am requesting a detailed explanation of how you received these specific responses. Please forward this information to me within 15 fifteen days of receipt. As I have previously stated, this account is incorrect and needs to be deleted. Please send me a corrected credit report along with the description of your investigation.
02/05/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 22310	Web
I began tenancy at the XXXX XXXX XXXX on XX/XX/XXXX. They quoted me one price and when I arrived to move in changed the price by over {$60.00} which I could not afford but did not have anywhere to go with my things loaded on the moving truck. I paid a prorated the month of XXXX as shown on my payment register. I also paid a security deposit of {$99.00} as shown as well. They discounted rent the first full month of XXXX. I paid rent and utilities every month. Rent amount was {$1800.00} and utilities varied each month. I gave 60 days notice in XX/XX/XXXX. They slipped a statement under my door indicating the amount I would owe in the month of XX/XX/XXXX when I was vacating. I paid the amount stated which was prorated plus utilities to ensure I was clear. A few days after my departure they sent me a notice indicating that I owed them {$470.00}. They confiscated my {$99.00} security deposit and placed the rest on my credit report. I contested because I gave timely notice, and they provided me with a statement of the amount that I would owe and I paid it. I departed on XXXX XXXX, XXXX. The apartment was left in good condition as was received. I tried to contact the Regional Manager who refused to fix the problem or accept responsibility for her unprofessional staff. I later took them to court. They could not provide any documentation but I could but the judge sided with them because they had an attorney. I have the documentation attached. All efforts have been made to clear this wrongful charge so I am asking CFPB for your assistance to get removed from my credit file. I
06/06/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web	Servicemember
XX/XX/2018 Fair Collections & Out Acct # XXXX To Whom It May Concern : Please be advised that I have received your correspondence .This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity. If you can not produce such proof after I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. Awaiting your reply in a timely manner. Sincerely, XXXX XXXX
10/23/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07306	Web
When I moved out of XXXX XXXX apartments I had no clear way of knowing that there were additional charges that I needed to pay, and they made no attempt to inform me or to contact me prior to selling the debt on to the debt collector. Prior to moving in I had paid a 'non-refundable ' security deposit which I now know is illegal in the state of Colorado , and which was not applied to the balance that I owed ( {$170.00} ). Additionally, one of the charges on there is a 'general carpet clean ' for {$65.00} which is illegal under Colorado state law because normal wear and tear on the apartment, including the carpet, can not be charged to the tenant after move out. I had a collections notice appear on my credit report after receiving a number of unclear calls throughout the summer. These calls were very strange, and led me to believe that it was a scam and not a valid attempt to collect a debt. The caller would leave a 2 minute voicemail pausing several times throughout the message so that I could " Listen in private ''. In the middle of XXXX I noticed a derogatory mark on one of my credit reports, and only then was I able to know who the original creditor was and what the amount owed was. They refused to delete the record even though the debt had not yet been verified. Following verification of the debt dated XX/XX/18 and received XX/XX/18, I paid the amount in full and the debt collector still refused to remove the record from the credit reports despite not providing clear identification of themselves or verification prior to the reporting of the debt.
03/22/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 91301	Web
We were living at XXXX XXXX XXXX, an XXXX XXXX in XXXX XXXX, CA XXXX. In about mid-XX/XX/2017, after moving to another apartment here, we were surprised with an unfair situation. Maintainence manager had done a walkthrough of Our previous apartment before moving out. There was washable paint on it the carpet, which he specifically told us to not worry about at all because they clean the rugs so well once we leave. He did not even bother to mark it down on the sheet he gave us a copy of, and the marks were clearly visible in the middle of the room. Once we were long moved out, XXXXXXXX XXXX told us we needed to pay over {$700.00} in rug replacement fee, due to the aforementioned paint marks. We obviously were not alerted even to this possibility before, quite the opposite ; had the mainatinece manager not mentioned to us so specifically not to worry about it, we would have had the washable paint and carpets cleaned ourselves. It was completely unfair to have been advised otherwise, and charged after for something that apparently did not even merit being mentioned or noted on the walkthrough sheet. We were trying to dispute this with XXXX, who dug their heels in and ended up forwarding us to a debt collector. We have paid the account regardless but the derogatory mark remains on the credit report and will for 7 years. We did not feel at all that this was handled in a fair manner, or even completely resolved by XXXX before they forwarded our account to debt collectors and at the very least believe this should be removed from the credit report.
05/19/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 37716	Web	Servicemember
XX/XX/XXXX To Whom it May Concern : On the morning of XX/XX/XXXX, I was informed by my mother that Fair Collections and Outsourcing ( FCO ) was trying to reach myself or my wife to collect a debt. The debt in question came from XXXX XXXX. We had previously rented a home from XXXX of XXXX through XXXX of XXXX. We have since bought and sold a home in XXXX and moved to XXXXXXXX XXXX and have not had any correspondence with XXXX XXXX since XXXX of XXXX. We received a certified letter within the legally required 21 days claiming excessive damages, to which we disputed via certified letter and emails to the local office. We never heard back from XXXX XXXX after our dispute, not an email, not a single phone call, not a single letter. Given the time we moved out, we were flat out denied a move out inspection, citing an abundance of caution due to the COVID-19 pandemic. We raised our concerns about not having a move out inspection, yet they fell on deaf ears, as the standard COVID-19 excuse seemed to justify their actions. FCO now claims, that I owe a {$760.00} in damages, and the burden of proof lies with me and will not provide me documentation until they inform XXXX XXXX that we are disputing the charges. XXXX XXXX will then conduct an investigation on the dispute by revisiting the home in question. A home that my family has not lived in since XXXX of XXXX, a home that received new occupants in XXXX of XXXX. Further, FCO refuses to provide access to any documentation pertaining to the debt collection until XXXX XXXX approves the request.
10/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA XXXXX	Web
i lived in la mirage apartments in XX/XX/XXXX with another person name XXXX XXXX. when we moved out he gave them his forwarding address. they sent him that we owe {$590.00}. i wasnt aware of that.in XX/XX/XXXX i got a call from FCO saying i owe {$590.00}, i told them that that 's the first time i hear about it and that i can pay my half and they would have to contact XXXX for the other half. i asked if itll show on my credit report and they said no if i pay it. they did end up putting it on my report as " settled amount paid less then original amount '' .its been on my credit report for 5.5 years already. i sent them over 20 letters and called them more then 10 times. theyve been nothing but rude and hang up the phone on me saying there 's nothing they can do and " why am i calling you already paid us '' .i sumbit a compliant with the FTC and the company 's response was that they listened to the recordings from their orignall call 5.5 years ago and that they didnt promise me it wont be on my report. i called them today XX/XX/XXXX and asked for the reecording and they hang up the phone on me. i called again and asked for a manager and after 30 min on hold he told me i can send you a letter that you paid and you owe us {$0.00}. when i told him i do n't need that i need a deletion letter or a copy of the recording so i can give it to my lawyer he hung up the phone on me again. i dont know what else to do with this company. they are the only collection account i have on my report and they 're messing up my credit when i dont deserve it.
12/18/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20747	Web
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.
01/13/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 79938	Web
This is the 10th attempt to resolve the issue with Fair collections & outsourcing I have sent in FTC report and a police report stating it was identity theft and they are still saying I need to send them their affidavit. Today I sent the company an affidavit. Fair collections & outsourcing , Inc . is illegally reporting to my consumer report. Ive never given Fair collections & outsourcing , Inc . permission to report or even access my consumer report, Fair collections & outsourcing never validated any alleged debt, fair collections & outsourcing has defamed my character, caused multiple injuries to the point I was XXXX because of this alleged debt. Fair collections and outsourcing is using unfair practices by reporting to my consumer report. I sent a request for validation again XX/XX/XXXX and the company responded with a letter that has multiple violations I recently received XX/XX/XXXX. XX/XX/XXXX i the consumer sent Fair collections and outsourcing a cease and desist, affidavit of truth, a consumer violation invoice and EXHIBITS sent certified mail return receipt. Fair collections & outsourcing inc. has never tried communicating the alleged debt with me because There was no way to do so without i the consumer having an address there is no right for them to be reporting because they are illegally reporting. I have tried numerous times to dispute the alleged debt and fair collections & outsourcing willfully continues to XXXX, defame my character and use illegal tactics to collect the alleged debt. Thank you
06/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 11208	Web
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. I demand an investigation and removal of this collection account that does not belong to me. The Monthly Payment, Terms, Credit Limit, Past Due and Date of Last Payment are missing in this report. I demand this will be deleted.
08/10/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 34219	Web	Servicemember
I have paid this company thousands to get out of a lease that terminated in XXXX. They are trying to make us pay XXXX more dollars- some of this is stating that it includes a carpet that is XXXX XXXX XXXX but in the lease, we signed only XXXX XXXX per charge on the damaged spot. On the bill, it states that the carpet is XXXX months old - if the rug was XXXX months old in XXXX ( the date they wrote this ), this means that someone would have broken into the apartment to place the carpet without our consent of entering because we were living there in XXXX of XXXX. This company is known for charging everyone for " destroying '' their carpets. '' They are also asking us to pay a termination fee of which we spent our part already- XXXX There are already tenants replaced in the apartment- why are they asking us to pay for them? There should only be a XXXX $ negative balance on the bill, and they are now trying to charge us XXXX $ more when we moved out in XXXX!!!!! -- -- If no tenants were replaced, we should only owe XXXX XXXX If NO tenants were replaced, and in fact, we did not sign an agreement that we would replace the carpet, which we did NOT. The company should ow us XXXX XXXX They need to leave us alone and quit harassing us for money. We moved out of this apartment early because the living conditions were unimaginable, with XXXX XXXX everywhere in the yards not being picked up and the workers and maintenance men sneaking in at night using the trash bins for their personal trash, which I have on camera.
11/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33319	Web
On XX/XX/XXXX I filed a complaint with CFPB stating this " ACCOUNT NAME FAIR COLLECTIONS & OUT Account # XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above '' Not only did they furnish my credit report without MY consent but responding to me with no resolve constitutes as identity theft. They have addressed me as a " SHE, HER '' Ive given them the chance to resolve this discrepancy in good faith. Now i must seek legal action to remedy this. Im requesting the individual who responded to this complaint and position with the company. Also you will need to provide me the wet ink signature of me giving permission/consent to furnish my file with the credit bureaus
06/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CT 06067	Web
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. I demand an investigation and removal of this collection account that does not belong to me. The Monthly Payment, Terms, Credit Limit, Past Due and Date of Last Payment are missing in this report. I demand this will be deleted.
07/04/2019	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MN 55124	Web
FCO Fair Collection Agency Has contacted me several time trying to collect a deb on a property back inXX/XX/XXXX that by the original creditor I am no longer financially obligated, A letter was provided to the collection agency after requesting validation of debt, I contacted this creditor several time including XXXX to request for them to stop calling my office and my family and friends, After speaking with one of the financial complaint officers After scream at me and using offensive language, he advised that he's only job was to make sure this debt was collected and he did not have any time to resolve or canceled or clarify this error. requested original signatures validation of debts and this documentation was never provided to me. On XXXX XXXX XXXX was contacted at XXXX by this collection agency demanding and requesting my personal and new home address and telephone number, when the collector was asked about my debts the information was provided without my authorization. I contacted FCO and they continue to treat me over the phone like they did not have record of me contacting them.. I submitted proof and all necessary documentation releasing me from this collection account credit B removed this collection twice from my report after investigation was initiated, and they continue with harrasing me over the phone. I have communicated to this collection agency that I have file a complaint and they respond was, ( EVERYONE CAN FILE A COMPLAINT WE DON'T CARE BECAUSE THIS AGENCIES NEVER RESPOND )
04/02/2021	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	NV 89014	Web
Hello, I am a single mother and have been constantly harassed by this land lord of XXXX XXXX apartments ( XXXX XXXX ). He has harassed me with pay or eviction warning notices on my door mostly monthly even though I paid my rent on time monthly. He has sent me a thirty day notice to quit without cause on XXXX XX/XX/2019 taped to my door two months before my lease ends. Telling me to vacate the premises within thirty days. When I asked him why is he forcing me and children to leave our home and why is he breaking my lease he responded, " I don't owe you an explanation its no cause. I packed up my things and moved as he asked and was moved out of the apartment on XX/XX/2019. I turned in the keys to the apartment and went my way, there were no damages and the place was fine. XXXX comes and I find out they served me and eviction for not paying XXXX rent. I was no longer living in the unit they had kick me out. I went to court gave the judge my proof and they closed out the eviction and dismissed the case. The land lord is still harassing me year later with letters and emails saying I owe him money for breaking my lease. He put it on my credit report Fair & Out Collections XXXX XXXX. I don't Owe him anything even the court told me they close it out I don't owe. He doing this on purpose because he is XXXX don't like me and he knows the Nevada doesn't give you a place in your name if you owe any property. I really want this removed from my report and for the harassing emails and letters to stop.
06/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33441	Web
I am an XXXX at the XXXX XXXX XXXX XXXX. I sent in my police report and my notarized affidavit to the three credit bureaus I called last month and talked to XXXX from XXXX Fraud department who asked me to send in my fraud package. After sending to them they did not comply with anything and said they dont have to block the fraudulent account even after going to the XXXX XXXX XXXX office where i am employed and filing a police report in person. They sent me some generated latter saying if i want to block the fraudulent account to send in my Police report affidavit that i have already provided them On Friday XX/XX/XXXX exactly at XXXXXXXX XXXX I spoke to XXXX who said he was from the fraud department integrity team and stated that and he didnt have to follow the FCRA rules and regulations. I explained that i received a letter saying if i wanted to Blok the fraudulent information Under the Fair Credit Reporting Act Section 605B to keep sending in my police report. and then hung up on me. I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Deformation of character buy accusing me in the generated letter stating that my police report was not filed when it fact it is file with the police department. These fraudulent collections are not mine and need to be blocked from my credit report Under the Fair Credit Reporting Act Section 605B FAIR COLLECTIONS & OUT ACCT NUMBER XXXX AND XXXX XXXX XXXX XXXX
10/02/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 75219	Web
XX/XX/2020 XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Fair Collections & Outsource XXXX XXXX XXXX XXXX XXXX, MD XXXX File Number : XXXX XXXX XXXX RE XXXX XXXX XXXX, {$7800.00} Dear Fair Collections & Outsource, This letter is to inform you that I am disputing this debt listed above. I also want to inform you guys to cease calling me. This debt was not mines at all and I dont know anything about it. I have filed a complaint with the Attorney General of Texas and will file a complaint with the FTC. In my opinion, you have failed to validate this debt. I must remind you that I originally disputed this debt within the 30-day dispute period outlined in the FDCPA and that I am now also responding in a timely manner to your attempt to validate this debt. Because I still consider this debt as " still in dispute '' I do not expect to hear from you again except to provide information or documentation to clear up my reasons for disputing this debt. If this debt is reported on my credit report after I have disputed this debt. I will contact my attorney to file a civil lawsuit against your company. I already advised you in my previous letter that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and that I will not hesitate to take all legal steps necessary to protect myself. Be advised that I am keeping accurate records of all correspondence including tape recording all phone calls. Thank you, XXXX XXXX XXXX.
02/06/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90036	Web
I am disputing this debt because I do not owe it. XXXX XXXX XXXX, XXXX illegally reported this debt of {$6300.00} which was not justified. I asked them to delete it from my credit report. We have contacted the company many times : XX/XX/XXXX Mail from the law firm XXXX, XXXX XXXX XXXX, XXXX declining our request to get the refund of our security deposit. XX/XX/XXXX Mail sent to XXXX XXXX XXXX XXXX : Demand for Security Deposit back and to remove the credit report. XX/XX/XXXX Mail sent to the law firm XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX with all the elements ( lease agreement, complaints, pictures ) requesting for the refund of our security deposit and to remove the credit report. Doc 22 : XX/XX/XXXX Mail sent to the law firm XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX : requesting the full refund of our security deposit and to remove the credit report. XXXX XXXX XXXX, XXXX violated our contract ( no smoke policy ) and did not meet the requirements of our Lease Agreement. XXXX XXXX XXXX, XXXX reported this bad reference that was not justify and did not remove bad credit reference, which was not justify regarding the Notice of Entry of Judgment which is attached to this complaint. The judge found sufficient violations of no smoke policy to justify termination of the lease. XXXX XXXX XXXX, XXXX also violated the California law sending the " move-out statement well beyond the required 21 days ''. Thank you for your attention to this matter. Sincerely,
01/18/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76001	Web
I have notified XXXX continuously about Identity Theft on my Credit Report. When I attempt to contact the Fraud department to have the matter resolved, they tell me they can't see the information and after 15 days I receive more dispute information from XXXX & creditors stating the information on my report is accurate when it is not. The fraudulent items are : XXXX- {$450.00} XXXX- {$690.00} Fair Collections & O {$1100.00} Fair Collections & O {$650.00} I submitted legal documents to XXXX XXXX XXXX XXXX on XX/XX/XXXX & XXXX with things that are fraudulent - XXXX Data Breach I continuously saw new items after hard work of removing negative items including the above negative items filed XXXX FTC Affidavit - XXXX I submitted all the documentation required by law on the federal, state, and local levels with FTC Affidavit above to XXXX on XX/XX/XXXX, via postal service PS FORM 3811 -- item number XXXX Tracking number - XXXX signed by XXXX XXXX Domestic Return Receipt I saw more information after XX/XX/XXXX submission and updated a new FTC report on XX/XX/XXXX FTC Affidavit XXXX and was faxed to the number the XXXX Fraud Specialist suggested I was federally awarded the settlement of my claim of fraudulent information on my credit report from the XXXX Data Breach on XX/XX/XXXX I faxed the award letter and Affidavits, a notice of identity personally notarized, a police report, a bank statement as proof of address, my driver 's license, social security number XXXX XXXX pages at the XXXX XXXX
01/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76006	Web
I hope this message finds you well. I am writing to express my concern and submit a complaint to FAIR COLLECTIONS & OUT regarding the improper use of my credit report and the reporting of inaccurate information on my file. I previously sent a letter to your office requesting an investigation into certain unverifiable accounts. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in XXXX U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a reputable credit reporting agency, FAIR COLLECTIONS & OUT will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint.
06/21/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 20746	Web
I had just come home from the hospital being in the XXXX at the time and found a notice attached to the door to vacate the property because they were renovating the apartments at the time. I called the rental office and asked to move to another building since the current apartment I was living in was ready for the upgrades the property manager tole me no not remembering that my lease was not up until XXXX at the time because I was still heavily medicated when I came home. I explained to the property manager I just came home from the hospital, and I needed some time and XXXX XXXX XXXX explained that I had to be gone by the date on the vacate notice. I was not taken to court for this matter and one day when I pulled my credit report to find the apartment complex on it. I contacted them and explained the situation and I disputed this account so many times in the past with no response with the same results saying I owed this huge amount of money which was incorrect. I did not pay XX/XX/2019 when I came home from the hospital since I had to find a place to move in a short amount of time. When speaking with the collection agency I was told I had broken my lease that was to end in XX/XX/2019, I explained to them I still had the notice to vacate and the amount was correct, I explained it was not correct how this was ruining my credit and finding proper housing. I have paid some of the money back and asked them to have it removed from my credit reports because this was there fault not mine.
01/05/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90036	Web
In XX/XX/XXXX, I moved out of an apartment building rental called XXXX XXXX XXXX in XXXX XXXX, CA which is owned by XXXX XXXX. I never received any debt notification ( by mail, by e-mail, nor by phone ) from XXXX XXXX after that, until I started getting phone calls from a Collections Agency called Fair Collections & Out in XX/XX/XXXX. The Collections Agency notified me that I owed XXXX XXXX a repair cost of ~ {$500.00} but I did not know what I was being charged for. XXXX XXXX XXXX never attempted to contact me or explain this debt, even though they had all my contact information on file. I attempted to inquire about the debt by calling the XXXX XXXX offices in XX/XX/XXXX but after leaving 3 voice messages, no one ever returned my phone calls ( I assume these were special circumstances surrounding the recent outbreak of covid-19 ). The Collections Agency was threatening to increase the amount of debt that I owed, so I assumed that I had no choice but to pay the Collections Agency, and I went ahead and paid the outstanding balance in XXXX or XX/XX/XXXX. Now I am filing a complaint because this Collections is showing up on my Credit History, and is having a negative effect on my ability to apply for a loan. Due to the fact that XXXX XXXX XXXX never contacted me about my debt before they sent it to Collections, and because of the special circumstances surrounding Covid-19 causing them to again be unavailable, I am asking for a deletion of the Collections Item from my Credit History.
09/10/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened to sue on too old debt	TX 78634	Web
FCO Fair Collections & Outsourcing calling me and threatening me on the phone in collection of {$3600.00}. XXXX Apartments in XXXXCalifornia evicted me and my XXXX daughters out of apartment XX/XX/XXXX when l was injured XXXX XXXX in XXXXCalifornia.XXXX I was n't been paid properly by XXXX employer and l was XXXX at home XXXX on XX/XX/XXXX. I am respectfully on Permanent XXXX Retired XXXX. I will send evidence of collections and medical evidence to Consumers Financial Protection Bureau by emails. I am on XXXX for stress. I am a XXXX Military Veteran and XXXX XXXX XXXX Citizen. XXXXCalifornia and Fair Collections and Outsourcing has ruined my credit XXXX. I can not obtain a Consumer Loan for my XXXX daughters College Education, XXXX daughters wants to continue their education for XXXX Careers. My credit is ruined. FCO even sent me a document with a reduction of 50 % to pay {$1800.00} on XX/XX/XXXXI always paid rent on time and me and my daughters XXXX we have been Discriminated and Retaliated by XXXX FCO collections and Outsourcing.since XX/XX/XXXX till Present. FCO collections and Outsourcing XXXX in XXXXCalifornia XXXX staff Discriminated.Those Managers XXXX no longer with them. XXXX Apartments even hired Attorneys to collect debts and Evictions. I file complaints against FCO collections and Outsourcing. And XXXX Apartments. with Federal Trade Commission XX/XX/XXXX But nothing was done. I will send notifications to President Obama and Congress about Issues XXXX XXXX
01/17/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 21136	Web
The account was placed with our office by creditor XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. Creditor retains ownership of the account. This is not a purchased account, the creditor retains ownership. The account was placed with our office for the purpose of collecting. On XX/XX/XXXX our office mailed validation to the consumer to the address on this Complaint. Validation included the Statement of Deposit and signed Lease. The consumer states she does not owe, but does not give any explanation as to why. Without further explanation, the account will continue to report and will not be returned to the creditor. This is the response by XXXX. I see that on XX/XX/XXXX XXXX got sued due to " ailing to maintain reasonable policies and procedures regarding the accuracy and integrity of the information it furnishes, including the handling of consumer disputes, failing to conduct reasonable investigations of certain consumer disputes, and failing to cease furnishing information that was alleged to have been the result of identity theft before it made any determination whether the information was accurate ''. This company stated on a recorded line on XX/XX/XXXX that this debt have not been validate but yet in XXXX they said it was validated. I spoke to a representative named XXXX in the collections debt. This is an assumption that this debt is mines and no validation and verification have been taken place. This should have been before defaming my character and violating my rights.
01/26/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92024	Web
Due to this company ( XXXX XXXX ) and their unscrupulous business practices, I have been negatively affected on my credit by 200 points. When we left this property and moved out of state, giving a proper 30 days notice ( apartment ) Our unit was left move in ready condition, they were trying to charge us for cleaning fees, paint, carpet cleaning .We had only lived in this unit 6 months. We disputed all of this because it was trumped up charges or had to be a different apt they were talking about and they continually failed to respond only that they would look into it. We called, left messages, and emailed them with no response. Here we are 3 years later and find out it was turned over to collections with no correspondence, they had both of our emails, phone numbers, our forwarding address and my mothers address to contact us. The company that reported on behalf of XXXX XXXX is Fair Collections and Outsourcing, XXXX XXXX XXXX, XXXX XXXX, XXXX MD, XXXX, PH # XXXX. I have called them twice, and they said tough luck, after I told them these were not true charges. The people knew we were moving out of state and took advantage of us by trumped up charges because we were n't going to fly back to walk into their office. We tried no less than 30 times to contact XXXX XXXX to no avail. Prior to living in this unit we lived in another unit on this property that was smaller and when we moved out they charged us nothing because nothing was wrong. Everything changed when we gave notice.
12/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 01702	Web
The alleged debt derives from an apartment lease agreement I allegedly entered into with the property management listed in the attached documentation. After I formally requested validation of the debt from said company, they produced a copy of a rental agreement that contains signatures that do not belong to myself or my wife. Moreover, at no point during the period listed in the produced debt validation documentation I occupied the rental unit described in the agreement since I have resided at the same address for the past 10 years. Even if such debt truly existed, I was only made aware of such debt only after checking my credit report on or about XX/XX/2021 ( 7 months after the end of the alleged rental agreement ). There was never any attempt made to collect the alleged balance by the property management until I was contacted by the debt collection agency in XX/XX/2021. On XX/XX/2021 an e-mail was sent to the property manager requesting further detailed information about the debt. The property manager did not respond to any of my inquiries contained in the e-mail and demanded payment of the alleged balance of {$530.00}. In XX/XX/2021, I visited the property management 's office in an attempt to resolve the issue and was told to contact the property manager via phone. I placed 3 separate phone calls in XX/XX/2021 to the phone number provided by the property management 's office without any success. I left voice messages in all 3 occasions that were not returned.
02/13/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30122	Web
I was a curent Section8 government program attend and in XX/XX/XXXX i found a house for rent that accepted housing vouchers to provide a safe place for me and XXXX children payed on time as well as deposit, through out the whole time of lease with XXXX they failed to provide safe housing so after 2 years of heating issue, mold which i have XXXX children my housing manager found the house unsafe and home went into abatement and i had to move the lease was terminated due to their part of not providing safe housing while on the program, they have threatened to sue me as well as garnish my wages, they have reported on my credit redeckless amounts that werent owed as well as a company that i never rented from ..My lease was with XXXX and its reporting XXXX XXXX which i have neved leased with i have all proof and left owing nothing when the home went into abatement due to the repairs of the home I had to move because they have failed to provide safe housing which they knew before a accpeting a section 8 particpant rent paid by the goverment. I didnt recieve my deposit back and they are reporting i owe them which cant be true i have all recipets, documents and even the letter of abatement giving them 30 days to fix repairs and they failed they have just put my family through XXXX and now lying saying i rented from another company. Please help as im trying to but a home now off the Goverment program i had to relocate my kids which XXXX where XXXX right around XX/XX/XXXX.
09/27/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 11222	Web
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.
06/15/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NJ 070XX	Web
I rented an apartment from XXXX XXXX from XX/XX/XXXX- XX/XX/XXXX. My apartment was located next-door to the superintendent of the property. I went away on vacation on vacation in XX/XX/XXXX. I came home to find that there was a hole drilled into the wall in the closet under the stairs with a white cable wire going through it. I called up XXXX XXXX on XX/XX/XXXX to notify them of the incident. XXXX XXXX stated they would look into it. I was disturbed XXXX XXXX 's lack of response regarding this matter. I was very upset that an employee who is their superintendent would use his key to gain entry to my home and drill a hole into the closet in order to gain free access to my cable television. My wife and I had XXXX small children ages XXXX and XXXX XXXX old. My wife and I no longer felt safe in the apartment. In XX/XX/XXXX we informed XXXX XXXX that we did not feel safe after their employee unlawfully entered our home without prior permission and stole our cable services. I took pictures of the holes drilled into the wall and the cable wire which were sent to XXXX XXXX Corporate office. XXXX XXXX kept our security deposit and come to find out 5 years later they filed a judgement against in the amount of {$10000.00}. I never received any notification from XXXX XXXX regarding the judgement. I Spoke with XXXX XXXX prior to me vacating the apartment. I tried to contact XXXX XXXX requesting back up documentation for the alleged balance they claim I owe them.
04/16/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 794XX	Web
XX/XX/XXXX - I was informed by an apartment complex that I was applying to that my apartment application was denied due to CoreLogic reporting that Fair Collections and Outsourcing collections agency has listed me as owing them over 3,000 $ in outstanding debt. XX/XX/XXXX - After calling Fair Collections and Outsourcing four times, they have informed me that my social security number is listed in their system as being connected to someone elses name and birthday. I informed them that that is incorrect and that is my correct social security number, and no one elses. The company told me there is nothing I can do to verify this and they will not tell me any way to fix the situation or give me the information of the organization who sold this debt to them as being connected to my social security number. They told me it is possible that someone else has my same social ( which is impossible, and also untrue - i called the social security agency and verified myself. ) They constantly interrupted and raised their voices to me, even after asking to speak with a supervisor. This is causing me to lose an apartment when I am supposed to be moving across Texas in 5 days. I have filed a formal identity theft report with the FTC and yet still, FCO refuses to give me information such as the name of the company stating that I owe them this debt. I also would like to note that this debt is not present on any of my 3 credit reports, further showing that it is not my debt.
07/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 13021	Web
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
07/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11691	Web
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 160 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
05/21/2020	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	AZ 85326	Web
Back in 2015 I rented an apartment with XXXX XXXX XXXX XXXX company in XXXX XXXX IL, upon moving they stated I owed fees never contacted me put it on my credit and when the Debt collector fair collections contacted me I paid the debt immediately with the agreement that they would remove the debt upon payment. I had numerous complaints against them including them entering into my apartment several times without my permission. The girls in the management office were extremely rude and told me they were going to make it hard on me to move as soon as my lease was over I moved. I have nothing showing I ever owed the debt but was forced to pay it because I was trying to purchase my house. The original creditor has sold the property and Fair collections will not provide proof that I owe the debt it is still on my credit report I have been disputing this and all they give me is attitude and lies. They refuse to remove the debt they refuse to provide proof of the debt I have reached out to all 3 credit bureaus trying to dispute this and they will not remove it still no proof the debt is owed to the company. Since the money is no longer owed I want it removed from my credit report and since they have no proof of the debt it should not be there. They should not be in business because what they are doing is illegal it has to be.They are all over the internet for fruadlent activities and the original creditor should be investigated as well for criminal behavior.
11/28/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77082	Web
FAIR COLLECTION AND OUTSOURCING has a collection account in the amount of {$2100.00} that is reporting on my consumer reports that I do not owe nor am I responsible for. I contacted them on numerous occasions to try to settle this as this is affecting my credit score, I sent them a letter willing to settle this debt to Remove this account from my consumer reports but they are using deceptive language by saying they will close the account and that is not in the agreement of which I sent them. They replied with a letter stating they are willing to settle for XXXX and I sent a final offer letter of settlement of XXXX and then a second letter XXXX since this debt is not mine and I see that they are in violation of FCRA 15 USC 1681 B2 ( permissable purpose use ) so I rescinded my offer and will pursue legal action. It seems this account has resulted from identity theft to which I have provided them a identity theft report to which they have not responded but only responded for me to pay XXXX to settle. My credit reports should not be held hostage in this matter. Even though this debt is not mine they insist I pay an amount that is unreasonable to close the account and not remove it from my consumer report in which I refuse to do. Any errors on a consumer report that is a result of identity theft must be removed from the credit file within 4 days per the FCRA. If this is not done I will be forced to take legal action for the violations FCO has committed.
02/01/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 94063	Web
To whom it may concern, About two weeks ago, I saw in my credit report a record like this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2017 {$260.00} XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX I realized " XXXX XXXX XXXX '' was the apartment I moved out half year ago. But I never receive any notification about this payment. Not in the form or mail or phone call or email. I contact " XXXX XXXX XXXX '' immediately for this, it was a move-out fee. It was a reasonable charging and I emailed the check for payment immediately. But I do dispute the collection shouldn't be on my credit report for two reasons 1 ) " XXXX XXXX XXXX '' didn't notify me properly. And I didn't receive my acknowledgement for this payment. And they turn it to " XXXX XXXX XXXX XXXX '' without my knowledge. 2 ) " XXXX XXXX XXXX XXXX '' didn't notify me properly either. And I didn't receive any email or phone call. And when I try to dispute with them for this. They said it past the deadline I can dispute, since the account is opened on XX/XX/XXXX and this is XX/XX/XXXX. But how can I dispute a debt I didn't even know? To summarize, " XXXX XXXX XXXX XXXX '' didn't notify me properly on this, and they never got my acknowledgement until around XX/XX/XXXX. From that time, I tried to dispute with them, but they said it can not be disputed since it passed the deadline. So my right of being notified of the existence of the debt and my right of dispute is not being respected.
04/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33445	Web
On XX/XX/2021 I went in person to XXXX XXXX XXXX XXXX and turned in my written notice to vacate in 60 days to leasing agent XXXX XXXX who accepted my written notice. The notice is uploded and XXXX XXXX even added to the explaination in his own handwriting " moving to XXXX ''. I was instructed on XX/XX/2021 by XXXX XXXX to leave they keys to the apartment in the drop box at the office as no one would be there to collect them on a holiday weekend. I vacated on XX/XX/2021 and I have a video of the apartment the day I moved out. In the fall of XXXX sent me a letter from their attorney stating i owed a few XXXX dollars for vacating without notice. I promptly called the attorney, I believe her name was XXXX XXXX and explained i had the proper documentation and the conversation i had with XXXX XXXX. She told me the company made a mistake and this matter would be taken care of. XXXXXXXX XXXX has now wrongfully put me in collections AGAIN stating I did not provide proper notice to vacate 2 years later! I have attempted to contact them 3 separate times and the receptionist told me every time that no one was available to speak with me. She assured me someone will call back and no one has ever contacted me. XXXX XXXX has kept improper records resulting in possible damage to my credit. I have also included a dated screenshot from XXXX XXXX website from XX/XX/2021 with my apartment listed for rent in XXXX the XXXX of XXXX proving XXXX had notice I was leaving.
03/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 70817	Web
In 2020, a collections agency contacted me about an account they purchased from XXXX XXXX XXXX. I submitted numerous documents to prove that XXXX XXXX XXXX was illegally withholding my deposit and charging me {$3000.00} for a penalty, claiming I broke my lease and did not provide them with written notice that I would be vacating the apartment at the end of the lease which was almost 2 months later. They included charges for items I documented on the move-in sheet that they never fixed. I tried to work with the local office, the collection agency, an attorney, XXXX, and the 3 credit reporting agencies. Their excuses run rampant, and I can no longer access the many maintenance requests etc. as the company uses a resident portal that I no longer have access to. I submitted over 30 pictures and documents to Fair Collection and Outsourcing, and they returned a response of " XXXX XXXX said their information is valid ''. This is the only negative account on my credit report, and after researching, I've discovered that this company has been sued multiple times in multiple states and even investigated by news organizations for their illegal business practices. I can not prove that I handed the written notice to the employee behind the desk because I did not know anything like this would happen. Please tell me there is something I can do to have this removed from my credit report and any way that I can help in protecting other consumers from this company.
03/08/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NJ 07109	Web
I rented an apartment with my now ex. We finished our first lease and renewed the lease for a second year. We started having problems in our relationship and I moved out XX/XX/XXXX, the lease ended in XX/XX/XXXX. The lease was paid in full. My ex decided to stay in the apartment. I never resigned a lease and from my knowledge they allowed him to stay in the apartment and extend the lease without my signature for a new lease. I had told them that I no longer live there and do not want my name on the lease anymore as the original lease had ended. The lady in the office said I ca n't take your name off of the lease because XXXX does n't make enough income to pay for the apartment. I fought with her telling her that my lease ended and I no longer live there. So she knew that he could n't afford the apartment and still let him live there. He ended up defaulting on the lease in XX/XX/XXXX. Almost a year after I had moved out. There was also damages to the apartment that are charged in addition to all the late fees and court costs. I have a letter from XXXX himself stating that he is solely responsible for the lease and apartment. Also the bill that the apartment complex sent out was ONLY billed to him. I have been fighting with the collection agency letting them know that I was not a resident after my lease contract was completed and paid in full for the duration of the lease. I never renewed or resigned anything after the lease ended in XX/XX/XXXX.
07/20/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 941XX	Web
Im filing a complaint against FCO based on their continued attempts to collect an alleged debt that is intentionally abusive and deceptive. Im demanding that the collection company cease and desist all action against me, as my evidence is more than sufficient. The main points as per attached : 1. ) The original Lease included an attachment move-in/move out form thats signed by leasing manager, and clearly showes damaged flooring. Furthermore, attached confirming letters from leasing manager. 2. ) Moved out early due to breach of contract - Violation of the implied warranty of habitability under California code section 3 D616 civil code 19411942. No rent due for period alleged. 3. ) If money was due 3 day notice would have been attached to door, followed by court filling for eviction and unpaid moneys including any damages. This never occurred because there was no damages or money due at move-out. 4. ) Accounting Statement sent was a clear indication of a deceptive debt and intentionally abusive. The total amount is intentionally inflated to collect a higher amount by adding on numerous fees, then apply the same fee a second time. Double charges for same item on services never rendered, late fees charged on rent not due, etc. The collection company purchased a fraudulent debt. The alleged debt is intentionally abusive and deceptive as outlined in attached documents. Therefore, FCO must cease and desist all collection activities against me.
09/13/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NV 89012	Web	Servicemember
Last year in the month of XXXX i moved to Nevada into an apartment. During the move i submitted and address change through the post office. I had a leftover bill for XXXX aparments in the amount of XXXX. I sent them a check for that amount in hooes to handle that bill, but recieved the check and a letter from a collection agency about a month or so later stating i was in collections. It is not my fault he apartment failed to accept the check and then placed me in collections. It all happened during my move meaning somewhere along the lines there was an issue and the place should have accepted my check instead of sending me to collections with FCO. FCO will not remove or delete this. In XXXX of XXXX i switched from XXXX XXXX XXXX to XXXX with the promise that they would pay my disconnection fees. Found out this year in XXXX while trying to purchase, that XXXX failed to pay the bill and failed to notify me about this issue. They are accepting their failure and are paying me the amount owed for the bill but XXXX XXXX XXXX put it in collection with XXXX. If i would have been notified of their failure to pay i could have handled this before it went to collections. Due to XXXX negligence it has affected my credit and XXXX does not want to remove it from my credit. I have called both mutliple time XXXX and XXXX of XXXX and no one is willing to remove the mark on my credit. I took action and paid both but now im stuck with a negative mark till XXXX.
05/15/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77040	Web
This collection is being reported by Fair Collections and Outsourcings on my wife and I 's credit report. This began as a fraudulent charged from its outset. My wife and I were ch arged by an apartment complex ( XXXX XXXX , XXXX , TX ) {$170.00} for " cleaning and resurfacing '' after we left in late XXXX XXXX . When we left, the apartment as clean as it could be without actually hiring a cleaning service. The only cleaning that was n't done was dusting the top of the refrigerator because my wife could not reach that portion, and I was at work. We asked the apartment complex ( run by XXXX XXXX ) t o provide proof as to why we owed this amount and they never did so. We also notified the complex that one of the countertops was not maintained properly before we moved in. We put in multiple maintenance requests that were never completed. After no proof was provided by the apartment complex, we refused to pay. After only one month of owing the reported balance, the apartment complex sent the amount to collections, held by FCO , on XXXX XXXX , XXXX . After a few years of reporting to our credit, we decided to dispute the debt. FCO sent back a picture of the original bill stating the debt was verified but no actual proof as to why we owed that amount. We ended up settling the debt in XXXX XXXX , with the impression that the debt would just be cleared but it was n't, and we 'd like them to be removed from our credit report.
02/19/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 20721	Web
My family and I moved out of our apartment on or around XX/XX/XXXX. At the time we moved out, our rent was current. I had given the apartment complex 60 days notice, pursuant to my lease as I had been there since XXXX. The property had been under several different management companies, and kept shabby records. When I notified them of my move, they filed a judgment against me stating that I owed over $ 5k. I have a copy of the email that was sent on XX/XX/XXXX and the complex 's response on XX/XX/XXXX. ( see attachment ) In the 3 years, that I resided at the property I maintained a good payment record with them. I started receiving calls in XXXX from Fair Collections & Outsourcing. I advised them that I didn't owe the debt. They kept calling incessantly, early in the morning, and late night hours. I have disputed this on all 3 of my credit reports but have not been successful. They have not demonstrated any proof that I owe the debt. The apartment complex kept my security deposit and filed an erroneous judgment. We sent our 30 day notice via email. I have the email to proove it. In reading reviews of the debt collector, it appears that this is how they operate. They are rude and very disrespectful. I have maintained a good credit rating, and this has impacted my ability to purchase a home. I have also mailed a letter requesting that the debt be validated pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }
11/19/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MO 630XX	Web
The alleged debt is from a previous landlord and this matter was resolved in XXXX XXXX Municipal Court under Case No. XXXX XXXX XXXX via Magistrate Order on XX/XX/2019. The landlord attempted to file an eviction, I placed the money in an escrow account in court and filed a counterclaim against the landlord because 1 ) I had documentation showing that the rent was paid as agreed 2 ) they charged an illegal eviction fee to my account 3 ) I had sworn affidavits from tenants who experienced the same deceptive business practices from this landlord. I entered into an agreement with the landlord 's attorney to dismiss my counterclaim and they would dismiss their claim if I moved out of the unit " on or before XX/XX/2019 '', which I did. Even the money in escrow was returned to me, as opposed to being granted to the landlord. The Magistrate 's Order states " PURSUANT TO SETTLEMENT BETWEEN THE PARTIES DEFT AGREES TO VACATE THE PREMISES ON OR BEFORE XX/XX/XXXX. 2019. THIS ENTRY DOES NOT PRECLUDE PLTF FROM RECOVERING FUTURE DAMAGES BEYOND NORMAL WEAR UNDER CHAPTER XXXX OF THE OHIO REVISED CODE THAT IT MAY SUFFER. '' The landlord has submitted ( significantly inflated ) charges to the credit bureau that were not to be included per the agreement and magistrate order. I disputed this with the credit bureaus. XXXX removed the debt, XXXX and XXXX have not. I have contacted the collection agency directly to dispute the debt, they have not responded.
12/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33054	Web
Fair collections and outsourcing is trying to collect a debt for XXXX, in which they are not licensed in Florida to collect a debt. Pursuant to Florida law ( Fla. XXXX XXXX XXXX debt collectors and out of state law firms must register with the Florida office of Financial Regulation as a Consumer Collection agency before engaging in collection activity in the state of Florida. the debt that Fair Collection and outsourcing is claiming that I owe is a debt in Florida, and this is a violation of both state and federal law. Please remove this debt from my credit report and cease and desist in any collection activity and please provide documentation indicating that you were licensed in the state of Florida to engage in collection activity as the last time this company was licensed to engage in collections was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX according to the real system Regulatory enforcement and licensing this company was not authorized to engage in collection activity at the time this was placed on my credit profile. and even bfore these dates the company was only authorized during the following dates please remove this immediately and cease and desist all credit collection activity. Name : XXXX XXXX XXXX XXXX XXXX XXXX : FAIR COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
11/30/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD 21060	Web	Servicemember
Fair Collections & Outsourcing is attempting to collect an alleged debt from original Creditor ( The Villas at XXXX XXXX ). When I left The Villas at XXXX XXXX in XXXX of 2019, they told me they would forward me any amount owed. This is due to Maryland Code, XXXX XXXX XXXX which states that " a landlord must make reasonable efforts to re-rent their unit instead of charging the tenant for the total remaining rent due under the lease. This is referred to as the landlords duty to mitigate damages. This means that if a tenant leaves the lease early and the landlord re-rents the unit before the lease ends, then the rent received from the new tenant will apply to the tenants debt. '' XXXX XXXX XXXX XXXX XXXX never sent me a final bill and without ever attempting to reach me, conjured up a random number and sold a false debt to Fair Collections & Outsourcing. Now, the debt collection agency Fair Collection & Outsourcing is attempting to get me to pay a random amount claiming that it is owed to XXXX XXXX XXXX XXXX XXXX. They have yet to provide me with any sort of breakdown of what I owe and how I owe it. As a cleared government employee this popped up on my credit report as a collection, however, it is clearly erroneous and clearly an attempt to extort thousands of dollars from me. This debt collection agency has a history of unscrupulous practices, and they depend on individuals not filing complaints to minimize the scrutiny upon them.
09/27/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive notice of right to dispute	MA 02119	Web
Fair Collections & Outsourcing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX Original Amount Owed : {$1000.00} Date Assigned : XX/XX/2023 Status Date : XX/XX/2023 Status : UNPAID I am writing to formally dispute the validity of the debt associated with Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX which you are attempting to collect on behalf of XXXX XXXX. According to your records, the original amount owed is {$1000.00}. I want to clarify that this collection account is not mine, and I request its immediate removal from my credit report and any further collection attempts. My dispute is based on the following grounds : 1. Identity Theft Concern : I have never had any financial dealings with XXXX XXXX or incurred this debt. Therefore, I believe that this account may be the result of identity theft or a reporting error. 2. Consumer Disputes : As indicated in the account comments, it is stated that " CONSUMER DISPUTES THIS ACCOUNT INFORMATION. '' This demonstrates that there is an ongoing dispute regarding the accuracy of this debt. 3. Laws and Rights : Under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable consumer protection laws, I have the right to dispute the validity of a debt and request verification. I am also entitled to ensure that any inaccurate or unverifiable information is removed from my credit report.
05/10/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 18301	Web
Yes I'm including All credit bureaus to in this complaint. They continue to report this false company from a ( 3rd party debt collector. Fair collections ) saying Verified. After numerous attempts of resolvement after dispute a few times that I dont owe this company or original creditor any amount and to show proof, they finally sent me and I assume credit bureaus fake ledgers that has info inconsistent! First thing was the address in question very noticeable don't know how credit bureaus missed that! Is not the address they referring to thats a address in New Jersey and the address in the matter is Pennsylvania address. ( Big red flag ) If these documents came from their records of the Original Creditor how a different address on there as their property? Then the amount is all over the place, FaKE ledger. I never wrote checks to have them returned then it shows before the move it date of this. Who will allow someone to move in a rental with return checks shows bad character. Thats a computer made signature and the balance don't make sense and No security deposit info posted. Its a unlawful crime and im suing them after seeing what documents they trying to produce and the credit bureaus allowing it. I WANT A Through look into this with this deleted from my account that's harm to my credit and name. These are Criminal Activity of deceiving to gain money. This been 6 years almost of this and I want to face a judge with this.
12/15/2023	Yes	Debt collection Rental debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	SC XXXXX	Web
I received a phone call from XXXX XXXX XXXX XXXX today while I was at work. She was crying because she stated that someone from FCO called and threatened to take her to court over a debt with XXXX XXXX XXXX XXXX in XXXX, SC. I lived their and she co-signed for me because my credit was not good enough. I had communicated with the apartment property manager in an email that I would make payment arrangements when I am able to. I was out of work for 3 months due to being diagnosed with a XXXX XXXX and I was not receiving a paycheck. I moved out when my lease ended and it left a balance. I was not able to pay because I was not getting a check and I was denied unemployment. They have not sent me a letter in the mail or tried to contact me. They contacted my mom and they threatened her. These tactics should not have been used and they should have tried to contact me in writing or call me. The apartment complex had my phone. The apartment complex new that I was on XXXX XXXX I communicated with them over and over when I was living their that I was diagnosed with XXXX XXXX, I wasn't working, and I was getting a pay check. I even told them that I was denied unemployment. They kept threatening me with eviction notices. They were never kind enough to help or give me a break. The send nasty emails and basically all they could say is I am sorry that you are going through this. It was very stress and caused a lot of XXXX XXXX and stress.
12/14/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	GA XXXXX	Web
On XX/XX/2023. I have submitted a dispute with Fair Collection and Outsourcing, and I dispute the validity of the debt mentioned on my credit report with XXXX XXXX XXXX and I am requesting the following information : 1. ) Verification of the license to collect debt in my state of Georgia. 2. ) Copy of any agreements, contracts, or documents bearing my signature, validating my obligation to pay this debt. 3. ) Documentation confirming the existence and validity of the debt including the amount owned or any write-off that the original creditors may have done. I am requesting validation of this debt as per my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 UFC 1692g. FCRA Law Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, The furnisher subsequently reports that information to a CRA without providing notice of the dispute and Section 1681-N any person who claims a consumer report from a consumer reporting agency under false pretense or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00} whichever is greater. Please REMOVE these two accounts from my credit report immediately.
08/21/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33913	Web
in XXXX of XXXX a lease was signed electronically with my name and information fraudulently. Subsequently the parties were evicted and Fair Collections & Outsourcing ( FCO ) contacted me about the debt. After numerous phone calls. I completed a notarized fraud affidavit and sent to them on XX/XX/XXXX. FCO continues to state the information is being verified by their client. After more conversations i finally received a copy of said lease XX/XX/XXXX the electronic signature first has an incorrect middle initial for me and the email address used to electronically sign the lease is for my ex-wife whom i divorced in XXXX. FCO has stated their client ( XXXX XXXX ) states i was in their office physically in XXXX, FL ( XXXX XXXX ) i live in XXXX XXXX, FL over 3 hours away and have never been in their office. I have disputed this information with the credit reporting bureaus and XXXX continues to " verify '' the information back to them. In XXXX the original debtor, XXXX XXXX, was sold, the person who signed the lease is no longer with the company and there is no one at that company that could verify the information even if it were true, which it is not. I see where the CFPB has filed suit ( Case 8:19-cv-02817-GJH ) with the United States District Court for the District of Maryland, Southern District with FCO for essentially the same thing I am claiming. Your help in this matter would be greatly appreciated. Thank you in advance
11/16/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 93535	Web
I rented a house with 3 other individuals from XXXX XXXX XXXX in XXXX, CA in the year XXXX, 2 of the roomates left before the lease was up so I was forced to leave because I could not pay the rent alone with the 1 roomate who was left. I made several attempts to contact property management to explain what happened and return the keys. We ended up going to court with the company after they " evicted '' us, although neither of us were no longer living at the property, we explained what happened to the judge he told the property manager to go to the house and make sure the house was not damaged. We returned to court a second time, the property manager reported the house was in good condition and he dropped the law suit without prejudice. Months later I am being charged for over {$10000.00} in damages to the home. I tried resolving the problem with the original company and they claim to not have my file and neither do their corporate office. I then went straight to XXXX and sent my supporting court documents of the results of the case and they were able to remove the collection. I attempted to also dispute with XXXX but they are claiming they can not do anything, that I need to have the company remove it from my credit report, even though i explained to XXXX that I have already made numerous attempts to do so with no success. I am at a loss of what options i have left to remove this from my credit. Thank you for your time.
08/22/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 206XX	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Contact : XXXX SSN : XXXX Company Complaint : Fair Collections & Outsourcing Re : XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX Account # XXXX This account is for a residence that I had planned to move into, once I signed the forms I went down to where my townhome was and realized I had just made the biggest mistake of my life. There were people outside smoking weed, and just not a comfortable situation for a single mother of XXXX. I walked right back up to the office, and explained they could cut up the contract because I would not be moving in. Well low and behold this is where we stand now. They never once tried to make contact with me letting me know that they would be charging me for anything, turned around and sold the information to FCO. I spoke with FCO sometime last year 2016 and was so frustrated I told them I would just pay something to have them stop harassing me. I spoke with a manager who in turn did stated to me that they would remove it from my credit due to the situation. I took their words for what they were and noticed this year when I sat and pulled my credit that the account is still there. I contacted the company last week and asked to speak with the supervisor who handled my account and find out why it was not deleted, and was told that they will not transfer me and that what the employee was telling me was all I was going to get.
03/22/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 10550	Web
On XX/XX/2022 I received notification from the credit monitoring bureaus that I have a collection account on my report for {$700.00} for unpaid rent for my time living at XXXX XXXX between XXXX. The collection agency is FCO-Fair Collections and Outsourcing company at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. ( XXXX ) XXXX. I have never owed rent, all my rent were paid timely. Additionally I am in the state of NY and I was never taken to court by XXXX XXXX for the so-called unpaid rent, nor do I have any judgement for such an amount. This is a fraudulent charge by this company with fraudulent business practices. This company has harassed and tried to bully me in the past by repeatedly sending me texts and calls all hours of the day and night. Their calls/texts would start as early as XXXX and as late as XXXX with no exception regarding the day of the week. These disturbing calls and texts stopped only after I told them I would report them to the attorney general. I have enclosed the last text message received from them on Sunday, XX/XX/XXXX at XXXX. Their business practice are illegal, and has cost me getting denied for a new mortgage after placing an illegal collections account on my credit report, which dropped my score by XXXX points. I am writing this letter requesting your help with underhanded, fraudulent companies such as this. Thank you for your time and guidance on this matter, Sincerely, XXXX XXXX
02/07/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07109	Web
My husband and I had a lease with an end date of XX/XX/XXXX We were notified form the leasing office we needed a a 60 day notice letter regardless to move and, that was sent via email XX/XX/XXXX and was mandatory from the Building that we give them 60 day vacate notice regardless of lease end date which seems ridiculous as I would be able to leave on the date my obligation is up on the contract/lease. So our new move out date was XX/XX/XXXX. Upon moving out we were contacted later that we still owed rent for the months the apt was not rented. Pease also note they dramatically increased the rent during this time. they finally rented the apt after 5 weeks and are trying to hold us responsible for the rent in that interim. We are not rent responsible for anything beyond XX/XX/XXXX. We submitted a dispute and it was deleted XX/XX/XXXX. They replaced it on my credit report as of XX/XX/XXXX In the total charges there are rent charges and cleaning charges for move out charges we dispute as well, the cleaning fee of {$150.00} for the refrigerator which is highlighted at only $ XXXX- {$50.00} in our lease. Lastly we are disputing the {$400.00} parts fee for stovetop replacement as the stove was in that condition upon move in and its normal wear and tear it was in working condition and we were told that was normal for an electric stovetop. This company continues to harass us even though all paperwork was uploaded
09/04/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 190XX	Web
I am writing to you, your company, its partners, and affiliates that I am rescinding and opting out of your company sharing my personal and private information. As of today XX/XX/2022, XXXX, I no longer give your company, its partners and affiliates knowingly or unknowingly consent or permission to share my private information. Also, I do not have a contractual obligation to your company as I have never signed a contract with you, nor gave you consent to have any of my private information. I am a consumer and consumers have the right to privacy. Privacy is defined as the right not to have ones personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy your company is in violation of UCC9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, chattel paper, payment intangibles, or promissory notes which is for the purpose of collection only. Which is what your company Fair Collections & O XXXX XXXX is doing by demanding I owe an alleged debt you were prohibited to take this account in the first place but you decided to buy this alleged debt anyways, Therefore I demand your company, its partners, and affiliates to remove the collection account from my consumer report for infringing my right of privacy within 10 business and I prohibit your company from transferring this account to another debt collector.
11/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CO 80004	Web
Fair Collections and Outsourcing INC. has committed several violations of FCRA. They are trying to collect the wrong amount. They have sent a misleading illegible fraudulent receipt in response to my validation request sent certified mail. Their billing statement does not include the required criteria by FCRA. They have continued to report during dispute several times. They continue to duplicate report. They have been verbally abusive. They have stated in letters that they have conducted investigation without my request and have not provided said investigation information. Continues to threaten via letters to report to credit bureau. Did not send valid bill 5 days after i contacted them XX/XX/2016 as required by FCRA. Has purchased a fraudulent account in my opinion not only for the wrong amount but original creditor XXXX XXXX never validated debt or answered to illegal eviction charges complaints, instead just sold account. FCO refuses to produce legible and itemized statements validating debt. Billing statement contain many misleading entries, non abiding by FCRA requirements Bullying by FCO agents via phone calls and when i have called them to resolve account I 'm positive there are other violations I'am unaware of as well in there collection practices FCO has people listed on account that have nothing to do with our debt FCO lists wrong and incorrect account info and refuses to correct
10/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 220XX	Web	Servicemember
After receiving a notification that there had been a change to my credit report on XX/XX/XXXX, I pulled a copy of my XXXX credit report. I noticed that there were two of the SAME collections were being reported by Fair Collections and Out, which I don't believe was done by coincidence. I believe the double reporting was done with mal intent, knowing this could potentially harm someone's character and livelihood. On Monday, XX/XX/XXXX, I called the office to try and get more information about the collections that were being reported. The representative attempted to explain to me the alleged debt, but I insisted that I didn't understand, and that the debt had to have been reported in error. I then as for the original purchase agreement, original terms and conditions along with proof of ownership of the debt. I provided my information and still have not received the requested information. The reporting of the two accounts for the same debt has tarnished my credit reputation and has caused a strain on my security clearance required for employment. According to the credit report, this debt began XXXX. The original creditor listed on the report is for an apartment complex called XXXX XXXX, located in VA, which I've NEVER heard of. I've resided at my current locations for almost 3 years, so I'm not sure how I could have lived at this location in XXXX. There are a lot of questions and very few answers.
01/28/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NY 121XX	Web	Servicemember
This company is trying to collect a debt that is in litigation, sent many legal documents, attorney phone calls, ect. They are violating FCRA regulations. XXXX XXXX XXXX Please be advised that this is my SECOND WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding their continued willful and negligent noncompliance. Under the Fair Credit Reporting Act, Section 609, I am exercising my right to request information regarding an item listed on my consumer credit report as an INACCURATE NEGATIVE MARK presented by Fair Collections and Out on 2/2020. This account is part of a litigation lawsuit ; therefore, this is a FALSE and inaccurate report made illegally by FCO. Despite two written requests, emails, and a phone call from my represented Attorney, XXXX XXXX, the unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. They have NOT provided my attorney or me a copy of ANY original breakdown documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).
03/31/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 10452	Web
Around XX/XX/2015, I checked my credit report and discovered a collections account with the amount of {$640.00} owed to my previous apartment complex. I contacted the creditor to find out more information about the debt owed and received a letter containing the amount owed and a complete breakdown of charges. Upon receiving the charges, I noticed additional charges added to my account on the original creditor 's behalf. I.E. the creditor decided to replace all of the carpets in the apartment on their own behalf and charge me for the carpet repair. The carpet had been used under normal wear and tear conditions thus I should not have been charged. Luckily, I always prepare for situations like these when leaving apartments and I took an exit property video showing the condition of the entire apartment on the last day of occupancy. I contacted the agency and provided them with the video needed to support my claim. My initial contact with them in regards to the adjustment was denied. I followed up again with a written document requesting that the balance owed be adjusted to the correct amount and I agreed to pay the correct amount owed under the terms that they cease reporting to the credit bureaus. I received a response in which they ignored my offer for the correct balance payment and they offered a reduced number amount but also ignored my request to end reporting this account as negative.
03/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 94404	Web
XXXX, XXXX, and XXXX are incorrectly reporting a collection that was posted on my credit score from Fair Collections and Outsourcing ( based on an unjust bill from XXXX XXXX Apartments ). I broke my lease in XXXX of XXXX and only lived there for only 5 months. My apartment was left in the same condition as it was given to me but they charged me {$340.00} for painting, refurbishment fees. They have no proof that the apartment was left in poor condition to warrant this {$340.00} fee nor did I sign an agreement stating that Id be charged this amount from the complex if I leave the apartment in a particular condition. This collection has negatively impacted my credit score and Fair Collections and Outsourcing stated that they will not delete this collection from my credit report, even though I paid the collection off. Additionally, XXXX, XXXX, & XXXX are still reporting this collection on my credit even though Fair Collections and Outsourcing has no proof of the apartment condition or paperwork that I signed agreeing to pay a particular painting fee. Since XX/XX/XXXX, Ive filed disputes with the credit bureaus and nothing has changed. Fair Collections and Outsourcing needs to be held accountable for not deleting an incorrect and fully paid collection from my credit report. The credit bureaus also need to be held accountable for verifying incorrect collections information on my credit score.
12/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 60409	Web
I sent the company the following letter - and I got no response. They did not validate the debt under FDPCA and ignored 1692G of the FDPCA. Please be advised this 1692g letter is for all!!! Accounts you have listed under my name that are inaccurate and now you are in violation of 1692 ( E ) subsection 8. I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further, I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I may turn the matter over to an attorney. Additionally, according to Metro 2 compliance, you are not listing the first date of delinquency on XXXX or XXXX as required under Metro 2 - another reason for deletion.
09/12/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 93534	Web
I am requesting assistance with issues with XXXX XXXX and Fair Collections & Outsourcing regarding a single family home I rented at XXXX XXXX XXXX XXXX., XXXX, California XXXX from XX/XX/XXXX to XX/XX/XXXX. Uploaded with this complaint are the following items for your review, and for which I am requesting assistance with : 1. XX/XX/XXXX letter from XXXX XXXX demanding payment of unlawful charges. 2. XX/XX/XXXX letter from me to XXXX XXXX disputing the charges. 3. XX/XX/XXXX letter from Fair Collections & Outsourcing, representing XXXX XXXX and demanding payment of the disputed charges. 4. XX/XX/XXXX letter from me to Fair Collections & Outsourcing and XXXX XXXX demanding a response to my initial disputed letter of XX/XX/XXXX. All of the above items have been uploaded with this complaint. There are several bottom line issues here : ( 1 ) XXXX XXXX inspected the property without first providing notice to or the opportunity for me to be involved in the exiting walk through ; ( 2 ) there were no receipts or photos of the alleged claimed damages provided to me upon my request ; and ( 3 ) after the charges were disputed, XXXX XXXX disregarded my letter of dispute and sent the account directly to collections. I am requesting any assistance that you can provide. All of my contact information can be found on my letterhead in the attachments. My email address is XXXX. Thank you.
08/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 94043	Web	Older American, Servicemember
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.
04/12/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92584	Web
To Whom this may concern, Upon looking at my credit file in XXXX of XXXX to obtain a mortgage, I realized there was a collection being reported as an open collection item on my credit file in the amount of ( {$3900.00} ) by a company called FCO Fair Collection & Outsourcing. The company said the debt was opened on XX/XX/XXXX this debt is most certainly not mine as this case was dissmissed without prejudice in court ( see attached REQUEST FOR DISSMISSAL signed by the court as of XX/XX/XXXX ), only to have this debt forward to a collection company causing great hardship for me and my wife in trying to obtain a mortgage for our family after years of renting. I attempted to contact creditor to provide proof of debt only to be told debt is allowable by law and that don't have to prove the debt is owed. I went only tell them that the debt was dissmissed in court and forward proof of said dissmissal I was told that the legal court document was worthless and that they legally have a right to seek damages for wear and tear, paint and carpet outside of court. I tried to explain to them that I've in apartment for over 2 1/2 yrs and thought I left the apt spottless, it was signed off my the onsite manager upon acceptance of the key. Nevertheless, it would be expected to paint and replace carpet but not at my expense I would like the matter be resolved and removed from my credit file.
08/01/2018	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	NC 28212	Web
This is my second complaint submitted against FCO - Fair Collections & Outsourcing. They were trying to collect a debt from me that I do not owe, know nothing about, and that is not mine. The debt is for {$3200.00} and it's from a company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I know nothing about the debt or the company. The first complain that I submitted had a response from FCO informing me that they contacted me wrongly and that I'm not the person they're looking for and that we had similar names. They also apologized and said that they would delete all of my information from their system and never submit a negative report on me to any credit bureau due to the debt not even being mine. I checked my credit reports today and found out that they did indeed submit a negative derogatory report on me even though they had informed both me and the FTC that they won't do anything due to the debt not even belonging to me. Please help me because this company is clearly operating illegally. They failed to verify the debt by not showing me any legal paper work that has my personal information and they even told me over the phone that they don't have any of my personal information on any of the legal documents they posses on their end. They don't have my birthday, signature, address, or any other information on any of the legal documents they have yet they still attack me.
09/13/2023	Yes	Debt collection Rental debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33614	Web
FCO has been filing to credit bureaus, since XXXX, claiming that I owe them {$8300.00} from XXXX to XXXX. I advised that the charges were erroneous and that XXXX XXXX XXXX did an illegal eviction on XX/XX/XXXX. They claimed that I had an unauthorized person living in my apartment. I immediately called the management office and insisted that they inspect the apartment. They advised me that someone would inspect the apartment. However, they never inspected the apartment instead they sent vacate letters and lease termination letters multiple times. They locked my tenant account and was basically forced to leave. I had no choice but to vacate with my XXXXXXXX XXXX XXXX children. I am unable to secure an apartment and was left homeless due to this issue for over 7 years. They continue to file with the credit bureaus affecting my credit. I continue to get denied my birth right to have a place of residence. I have worked diligently with the credit bureaus to improve my credit and disputed the charges. But FCO continues to file with credit bureaus and reset the clock. The statue of limitations in the state of NJ is 6 years. Please help me to resolve this matter so that I can have a place to live. XXXX XXXX is notorious for retaining initial deposits, adding erroneous charges and illegal evictions. They need to be stopped as they have monopolized the entire XXXX XXXX region.
06/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MA 01609	Web
XX/XX/2022 To whom it may concern, I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The following account holders are listed below : Fair Collections and Outsourcing has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. Fair Collections & Outsourcing, illegally obtained personal and private information and sold it to other reporting agencies, including XXXX, XXXX and XXXX. I did not grant Fair Collections and Outsourcing permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders. As the consumer and natural person, I am invoking specified remedies and make the following demands : - Cease and desist reporting of the account name filings to all consumer reporting agencies. - Remove reporting of the account name filings from all consumer reporting agencies. Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA. Regards, XXXX XXXX XXXX
12/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 91306	Web
We were leasing in an Apartment for more than XXXX XXXX XXXX. When we decided to move to XXXX. I gave them a notice of 30 days period since on that last few months i did not re-new my contract so im just paying month to month basis. When we left we were charged {$1600.00} for the Balance they were claiming and i know for my self that I paid my dues. I tried to settle the debt without complaining since we and the people in the leasing office had a good relationship. Im trying to pay atleast {$100.00} per month and i lost my job. Now I have a new job and trying to find an apartment to settle. I can not get an apartment anywhere because what reflects in my Credit is EVICTION and I asked them wjhat is the break down of that amount then i discovered about a {$1000.00} bond that never was discussed to us + the Bal. of {$570.00} which I consider as remaining bIlls, that 's fine but {$1000.00} is something and i asked them to change the report as just a credit the leasing manager said they can not not until i pay the amount. My family can not start life here in XXXX and we are just living with a relative because we can not get an apartment to live in. Even if how much we try to ask them to change the report wherein they do know that we are not Evicted in that apartment where we stayed. I really need help about this matter. We are Homeless and overstaying with a relative.
10/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	AZ 85132	Web
I had a collections added to my credit on XX/XX/XXXX by a company called Fair Collections and Out, address XXXX XXXX XXXX XXXX XXXX XXXX, MD, XXXX. The amount owed was {$1100.00}. I settled the amount for less than owed in XX/XX/XXXX then filed for bankruptcy inXX/XX/XXXX. The bankruptcy was discharged in XX/XX/XXXX. After this, while checking the credit bureaus, I noticed that on my XXXX credit report this collection had not be removed from my credit report at the XXXX credit bureau but had been removed from both XXXX and XXXX. I disputed the collection through the XXXX website and got back a response from them saying that the collection was accurate and they did not remove it. I then contacted Fair Collections and Out and asked them to remove it and they refused. When I asked why I was told that they had no reason to remove it. I told them I have filed for Bankruptcy and that it had been discharged in XX/XX/XXXXXX/XX/XXXXbut they still claimed they had a right to report the collections on my credit reports. When I asked why, I was told that it was just the way it was done. I then contacted the law firm that I had used to help with my bankruptcy and they told me they were unable to help as they didn't deal with credit agencies. I am at a loss for what else I can do, this is negatively affecting my credit report still even though my bankruptcy was discharged.
06/09/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI 48066	Web
I honestly don't know how to categorize my issue. I received a letter back in XX/XX/2019 from Fair Collections and Out saying I owe {$2800.00}. I called them on XX/XX/2019 saying I didn't owe the balance and that I had proof that I moved out the date I moved out and that I received a utility bill for the same time that the company is trying to collect from me. The lady I think her name was XXXX ( I'm not fully sure ) told me that I could dispute and submit to her my proof and that they will reach out to the company. She also stated that the on XX/XX/2019 the collection will be added to my credit report. I called back in XX/XX/2019 to check the status of the dispute. She told me the company haven't replied yet and that she will contact me once the counter suit was submitted. I call back again the first week of XX/XX/2019 to check the status again. I told the lady that is was days before this collection is suppose to be reported to my credit and I still haven't received anything as proof showing I owe anything. The lady told me that the company didn't have to prove anything to me with a nasty attitude. When she said that I told her that because they cant prove to me that i'm responsible for the debt the debt didn't belong to me. I still haven't received anything and about this debt other then the bill from the debt collector and the collection is now on my credit.
06/14/2022	No	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	HI 96734	Web
XXXX XXXX at XXXX XXXX XXXX. XXXX XXXX Virginia. The property was infested with Rats, Roaches and Mice. The parking garage had cars set on fire nightly. 2 women were XXXX in the parking garage. XXXX presented to me that the property was safe and clean. I stayed in the property from XX/XX/2018 and vacated by XX/XX/2018 I reported these issues to the leasing department Several times. They did nothing about it. Rats ran in the hallways, it was a horror story. I paid my rent and paid for the month of XXXX as advised by the leasing manager. He advised they would keep my security deposit and he would call the situation a wash. The Manager lied to me and did not report my payment for XXXX. XXXX XXXX was the owner but they sold the building in XXXX to a company XXXX. Both XXXX and XXXX XXXXl have no record of my holding a dept as XXXX XXXX no longer owns the building. A debt collection company Fair Collections Outsourcing is fraudulently reporting to the credit bureaus that I owe this debt and I do not. I have never been contacted by Fair Collections via phone or in writing is falsely reporting that XXXX XXXXXXXX still hold the debt and they do not. XXXX does not know who I am and does not have a record of my holding a debt. I was a XXXX resident at that time. Please assist me. These people are ruining my life with false reports on my credit report
05/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77077	Web
Unfortunately, I had an account that was sent to collections due to a rental payment issue I encountered after being victim of identity theft. The company that account was assigned to is Fair Collections & Outsourcing ( FCO ). I spoke with them a few times and explained the circumstances that led to the account escalating. After a few conversations and significant time passing I let them know that I wanted to pay this item off to have it removed from my credit report because the XXXX Police Dept advised that there investigation could take years given the number of cases they have dealing with Identity Theft. Fair Collections & Outsourcing advised that the account in collections would be deleted from my credit report as an a collection when I made the payment so I proceeded forward with resolving the debt. Recently, I checked my report and I see that the item is still on my report and it has caused challenges for me to get an approval on a mortgage due to FCO 's miscommunication. I want this item deleted as promised when I first spoke to them. The account escalated in XX/XX/XXXX and was sent to FCO. I paid off the account with FCO on XX/XX/XXXX when the account was still in collection. XX/XX/XXXX was the date that the rep indicated the account would be deleted as a collection item on my credit when I made the payment to them per the settlement agreement.
01/29/2024	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	MO 640XX	Web
I got a call on XX/XX/XXXX stating that I owe a debt for the previous apartment I lived in. I paid a {$99.00} deposit to live at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX also known as XXXX XXXX XXXX managed by XXXX XXXX XXXX XXXX. It looks like I received an email to an old email address, but I never got any calls, texts, or other forms of communication about this debt until I got a call from the collection agency that the Yards Apartments sent my debt to which is Fair Collections & Outsourcing , INC . They are attempting to say I owed {$410.00} in damages, and after my deposit, I owed {$310.00} that I need to pay to FCO. I asked for proof of these charges and they sent me images that do not justify the charges trying to be charged. For example, they mentioned I owe {$140.00} for carpet damage - pet sanitizing and deodorizing. I actually never owned a pet and I cleaned the carpet before moving out. They also said I owe {$150.00} for a screen door that was never broken and was in the same condition it was left to me. These charges are not fair and this company is trying to fraud me out of money. I was never offered a move-out inspection and I was also never communicated about these charges from the original debtor. This is unfair and is ruining my life and financial health. I need assistance with dealing with this issue and finding a resolution.
11/23/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AZ 85044	Web	Servicemember
Starting in XX/XX/XXXX, I began contacting Fair Collections & Outsourcing ( FCO ) to try and obtain more information about an entry on my credit report. XX/XX/XXXX, they sent an offer to satisfy the debt of {$1800.00} - no information provided on how to dispute. I spoke to them on the phone and they explained the amount was for some charges from an apartment I rented in XXXX. The management company was XXXX. I asked them for more information as to wha the charges were for and never received any additional information. XX/XX/XXXX - They finally provided an itemized list of charges from my previous place of rental. I did not agree with the charges but offered to pay {$250.00} of an {$1800.00} balance in which they accepted. I received a letter showing the balance as {$0.00}. Around XXXX XXXX, I noticed another entry on my credit report which prevented me from renting a home. I contacted FCO again to ask why the amount showed as {$1800.00} when I no longer had a balance. They sent me another letter showing that I owed {$1800.00} to XXXX XXXX ( new account # ) but are not providing any additional details other than a rather vague screen shot of an addendum from my XXXX lease from the same apartment complex under XXXX XXXX. I do have copies of the information but am not uploading the documents as they contain my address and other personal information.
07/16/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 34243	Web
I lived at XXXX on XXXX XXXX in XXXX, FL. due to Covid 19. My place of employment closed their doors and I had no work during the pandemic.my rent was {$2200.00} a month with all amenities pool, gym, dog park, etc. I told the office i was moving out because i couldn't afford to live there anymore so XXXX and XXXX rent was not paid, I moved out end of XXXX. I had the place professionally cleaned so there was no issues. the offices where closed and had no contact with anyone! so i emailed the office that it was clean and keys on table. thinking I was doing the right thing by moving out and not milking the system like others! The moment they received the letter at XXXX, XXXX called me very rudely and said she was sending me to collections. Im trying to buy a condo and i cant do anything because the collections debt says i owe {$10.00}, XXXX!!!! so it shows too much to debt to income ratio. now I'm stuck. I had perfect credit before this collection debt. i feel this is unfair due to the pandemic! If I owe anything, it should be 2 month rent at a discounted rate due to no amenities! someone please help me!! I'm desperate! I even hired a lawyer that sent a demand letter and the collections agency sent back with only a 50 % settlement offer but i feel the settlement offer should be off the price i actually owe which would be the discounted rental payment!
12/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AR 721XX	Web
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
12/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MD 21224	Web
I XXXX XXXX file this complaint against a collection agency that acquired information on me from a situation I faced back in 2007. The original company called XXXX XXXX XXXX has lost all legal ability to collect on a debt that was never owed in the first place. My information was acquired through a debt collection pool that has been scrutinized by the Federal Trade Commission and the Consumer Financial Protection Bureau. Under the Fair Debt Collection Practices Act a debt of this nature must be 100 % validated. Fair Collections and Outsourcing has shown no proof of ownership or the approval to collect a debt by legal statute. The legal timeline if one was ever necessary has passed by this time. What Fair Collections and Outsourcing is doing is holding my credit report hostage, even though they have no right to attempt to collect on this credit item in the first place. I believe that this collection agency should be sanctioned for this illegal activity. Accordingly, I demand this extended collection be deleted immediately and permanently from all pertinent credit reporting agencies. This agency was required to show proof from the initial procurement of the collection. That right was never protected on my behalf. The maintaining of this collection on my credit bureau seriously violates the Fair Credit Reporting Act. I demand its deletion immediately!!!
07/26/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 219XX	Web
On XX/XX/2016, I signed a lease for an apartment, which included a {$170.00} bond agreement in lieu of a security deposit, which was paid to XXXX that same day by cashiers check. From XX/XX/2016 through XX/XX/2016, I was receiving monthly bills form XXXX demanding an additional {$1000.00}, despite my signed agreement stating that the total premium was to XXXX {$170.00}. I spoke with my landlord about thjis, and I was told to ignore the bills. I was recently informed that the {$1000.00} debt is showing up on my credit report, and I requested a validation of the debt from Fair Collections and Outsourcing, the company reporting the alleged debt. The black-and-white copy of the contract they sent back has significant alterations compared to the original that is still in my possession. Specifically, my original copy, which is signed in blue ink, shows that the total premium due was " XXXX ''. However, the low-quality black-and-white copy the debt collector sent back shows a total premium due of " {$1.00} XXXX ''. The bond coverage amount is adjust as well. Instead of reading " XXXX '', it now reads " {$1.00} XXXX ''. The omission/inclusion of the dollar signs and spaces in the above quoted numbers are not random, they are an exact reflection of the differences between my original contract and the copy provided by Fair Collections and Outsourcing.
03/02/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 75231	Web
Fair Collections & Outsourcing ( FCO ) is sharing my nonpublic personal information with non-affiliated third parties XXXX, XXXX, & XXXX. Fair Collections & Outsourcing does not have my consent to have and share my private personal information. Then, the information that they are reporting is inaccurate and false. They are violating my right to privacy as a consumer, reporting inaccurate, false, and damaging information to the consumer reporting agencies. They are in violation of multiple federal laws. I declare under penalty of perjury that the statements herein are true and correct to the best of my knowledge. I certify that I am permitted by FEDERAL and STATE LAW to dispute this alleged debt and commence this complaint. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001. Additionally, any false statements are punishable as perjury under 10 USC 1621. This collection that is being furnished on my consumer report is not related to any transactions that I made. I believe that a person or company- without my authorization- used my personal identifying nonpublic personal information to apply for goods, services, or money deceptively and unlawfully opened this account. Complaints are being filed with the Federal Trade Commission as well.
06/11/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CT 069XX	Web	Older American
My father is an elderly XXXX XXXX XXXX man who moved out of his apartment due to his partner 's XXXX XXXX When he moved out he delivered his last rent check by hand to the front desk. He thought he was done with the apartment. Months later, we discovered on our credit report that we have an outstanding balance with our old apartment building. Well, we never got any notices about this. How would we know to pay this? It was apparently sent to collections, who also did not notify us. They claim they did not know our current address and sent the notices to the same address for the apartment we had just moved out of! Obviously that is not going to work and we would not have received that notice. Our credit report clearly shows our current address and they also could have called us, but nobody called or contacted us. Thus we never received fair notice that we could pay or dispute the debt. The debt is apparently for all sorts of move-out charges we were not made aware of ( and would have been happy to pay ). This should never have been sent to collections. We called the collections agency to explain this but they refused to assist and keep insisting that they provided sufficient required notice. They also lied to us and told us it would be illegal to remove the information from the credit report in error and that our only option was to pay it.
06/15/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60516	Web
I contacted this company because they appeared on my credit report. I spoke to a representative by the name of XXXX XXXX on XX/XX/XXXX. I explained to her that I had no knowledge of this account. She said it is for a balance at XXXX XXXX. I informed her that I moved on XX/XX/XXXX and the account was placed on me and my son credit report XX/XX/XXXX and we were never contacted. She then started giving me numbers and prices. I informed her I needed it in writing she said it was mailed to the office the debt is originally from. I asked her how was I supposed to know. She was speaking over me and not listening to my concern. I then asked for a supervisor and was told they were all out for lunch I then asked for the manager and was told the same. I informed the representative I will like to dispute the debt because I was unaware of the charges and was never contacted. She told me I can not dispute. These charges has been placed on me and my son credit and we had no knowledge of the debt. The original creditors kept my security deposit in the amount of $ XXXXand also received a payment from XXXX County Housing Authority for more than the 2 days I was in the unit. Per the representative I did not clean the carpet the original creditors remodeled the unit removing carpet and installing hardwood floors. Everything else in the unit was cleaned accordingly
05/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WV 254XX	Web
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. Thank you for your prompt attention to this matter.
04/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92503	Web
Back in XXXX, I started the dispute process with the three credit bureaus after identifying a couple of items on my credit report that were incorrect. After not having much success and feeling hopless, a representative of one of three bureau mention that I need to file Identitfy Report if I felt that this was a fraudulent account. I've have since filed a FTC and a police report and sent the information to the major bureau. Thinking this was going to help my situation I find out that that FCO still remains on my credit report. I spent over three weeks trying to get answers, just to find out that FCO is still reporting verified as accurate. I then sent an certified letter on XX/XX/21 to Fair Collection and Out ( FCO ) XXXX XXXX XXXX XXXX, XXXX, MD XXXX asking if they could provide me with a copy of signature on application with my name, proof I gave them permission to report to the credit bureau, payment history where I made payments to them. So I truly find out if some one actually stole my identity. As of XX/XX/21 I still have not gotten any response back. I'm at a lost of words and I have no idea what to do. This is my attempt to see if any of my rights are being violated. I sure hope that it don't take another 45 days before I here any word back. I've attached the letter that was certified over a month ago with still no response,
01/25/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 853XX	Web
Upon recent review of our credit reports we discovered a collection account being reported for XXXX XXXX. I immediately submitted a dispute to all 3 credit bureaus for both my husband XXXX and myself. I also sent FCO a request for verification. FCO sent us a huge packet dated XX/XX/2021 with information from XXXX XXXX attempting to collect {$910.00} In response to this newly discovered information, I sent both companies a certified letter contesting these alleged charges. Neither company has responded. Yet, FCO continues to verify this account as accurate on our credit reports. Per the FCRA it is illegal for anyone to furnish inaccurate, unverifiable information to any credit reporting agency. Which they are doing. NO debt is owed. In fact XXXX XXXX is committing Fraud. By attempting to charge illegal fees which they know to be false with no proof. XXXX XXXX failed to comply with the AZ landlord tenant and owes us a refund of our security deposit. If they continue to pursue this invalid claim against us we will pursue damages in XXXX court for their willful violations of the FDCPA and FCRA, As well as seek compensatory damages for two times our security deposit. Consumer protection laws exists to prevent companies from taking advantage of consumers. Both companies need to be held accountable for their illegal business practices.
09/30/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	NY 10128	Web
I was contacted by Fair Collections & Outsourcing several years ago about ( XXXX ) accounts that they claimed belonged to me and stemmed from the rental of an apartment at XXXX in XXXX, GA. The collection agency placed these accounts on my credit file at that time. I contacted the agency t make them aware that this was as a result of identity fraud, completed a fraud affidavit packet and also forwarded a copy of my police report that detailed the fraud. At that time several years ago the accounts were removed from my credit file. Just recently I found that Fair Collections & Outsourcing re-reported these accounts even though I had gone through the process of completing the affidavit, and providing the police report. They improperly and re-inserted a previously resolved claim. I have notified them again that these were previously resolved and addressed and they claimed to have no knowledge of that but they were removed from my credit files several years back. This is an ongoing fraudulent attempt to collect a debt that they know fully well I do n't know. When I caled most recently to try to discuss the representative told me that even though it had been deleted and previously resolved the original creditor had decided to continue to collect it and that that had to honor their clients request even if it was a fraudulent account.
09/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MA 02186	Web	Servicemember
I have spent the past 3 weeks contacting credit reporting agencies ( XXXX, XXXX and XXXX ) about a recent collection notification on my credit report. Each collection agency has not provided adequate customer service to address the issue. In each instance, my inquiry is sent to various service agents. Eventually, my call is terminated after more than an hour on hold. Summary of issue : The collection agencies indicate that there's an outstanding debt of {$600.00} being sought by Fair Collections and Outsourcing. Further investigation on my part concludes that this is a fraudulent effort by the original inquiry company XXXX XXXX ( a leasing company ) to force payment on a non-existent debt. The debt in question is an administrative fee imposed by the leasing company ( XXXX XXXX ). This is a retaliatory effort, since I submitted a request for leasing reimbursement. The reimbursement was to address non-compliance of a leasing agreement. I have attached my original reimbursement request to XXXX XXXX for reference. This amount remains outstanding. Since they are a business entity, I am unable to follow suit with regards to reporting. In addition, I have never been contacted by the collection agency about the outstanding debt. Neither have I been provided the opportunity to showcase evidence that this is a fraudulent effort.
08/29/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32305	Web
In XXXX XXXX, I received a copy of my credit report, in detailed it showed a collection from a third party company called Fair Collections and Out. This debt collector reported that I owe {$3300.00}. Consequently, this is a false attempt to collect a debt that was stolen from the original company- XXXX XXXX who did not solicit or file with Fair Collections and Out. When I spoke with XXXX the leasing agent from XXXX XXXX he stated, " He was not aware that XXXX XXXX had filed any actions against the account. '' In XXXX XXXX, myself and my roommate moved out of the apartment due to a fraudulent check that was written on the account. XXXX stated, " if we left before XXXX and did not leave the place in disarray he would not file an eviction against us. Now a year later there is an attempt to collect a debt from an account that is reported as a XXXX balance. According to the last printout, myself and said roommate does not have any monetary obligations to this property. I have sent emails, letters to each credit bureau, and a formal letter to Fair Collections and Out asking that this debt be removed. I have not received any responses from the either company. I have not received any documents stating that this account is validated by XXXX XXXX. Please look at the bottom of XXXX and you will see that the balance is XXXX.
04/26/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30328	Web
Collections Item : Fair Collections and Outsourcing. After speaking with this company several times about this account. They provided information that is not accurate and someone had used relative information to open this account. The phone number or DOB do not match. The dates do not match. This company stated that this needs to be paid without verifying any information with me. This account is not mine., They stated if I made a payment they would not update the balance or remove from my report. This is against the FCRA act. They have the incorrect license number incorrect address and invalid supporting evidence. I cooperated with this company in resolution but they are not willing to assist at all. After speaking with XXXX XXXX XXXX he stated they would sue me and my credit would be damaged no matter what. He said even if I pay they would not update the balance or remove this from my credit. After speaking with another Manager XXXX XXXX, she stated that I need to settle this account and file a dispute with the credit bureaus. Spoke to XXXX XXXX - XXXX at XXXX Spoke to XXXX XXXX - XXXX at XXXX After the submitting company having no phone number to contact, I have contacted XXXX Several times to have this issue rectified. I have contacted the Managing XXXX XXXX XXXX at XXXX several times with no response.
03/03/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 206XX	Web	Servicemember
My Husband and I lived in these apartments back in XXXX and when we went to move out, My husband verbally told an office employee and he was told that she would put in the paperwork and begin move out process. We had 60 days. When we came to hand in some things to the office, the manager said she never received anything from the other worker that we were moving out. That was around 35 days we were supposed to move and we already had a house to move into. Well, She told us that it was ok that mistakes are made and she understood. Then we get a bill from a collection agency that we owe two months rent for breaking our lease. We absolutely did NOT break our lease. Not that this would matter, but this manager has done this to others we have know in that apartment complex. This is now a negative remark on our credit and a debt over XXXX that we do not owe. That company has always been very suspicious to us when we lived there. Everything that we requested while living there was always verbal, never had to fill things out. We should no AT ALL owe this. Very unfair and it needs to come off our credit. I have also disputed this with credit companies as well and nothing ever happens. I am aware that there was a blind broken and a hole that i believe they added to that bill, and i will be more that willing to pay for those.
03/03/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 206XX	Web
My Husband and I lived in these apartments back in 2013 and when we went to move out, My husband verbally told an office employee and he was told that she would put in the paperwork and begin move out process. We had 60 days. When we came to hand in some things to the office, the manager said she never received anything from the other worker that we were moving out. That was around 35 days we were supposed to move and we already had a house to move into. Well, She told us that it was ok that mistakes are made and she understood. Then we get a bill from a collection agency that we owe two months rent for breaking our lease. We absolutely did NOT break our lease. Not that this would matter, but this manager has done this to others we have know in that apartment complex. This is now a negative remark on our credit and a debt over XXXX that we do not owe. That company has always been very suspicious to us when we lived there. Everything that we requested while living there was always verbal, never had to fill things out. We should no AT ALL owe this. Very unfair and it needs to come off our credit. I have also disputed this with credit companies as well and nothing ever happens. I am aware that there was a blind broken and a hole that i believe they added to that bill, and i will be more that willing to pay for those.
07/24/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MD 21202	Web
I filed a lawsuit against XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX on XX/XX/2019. The Defendants, did not have a Multifamily dwelling license for XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX Md XXXX ; ( Citation # XXXX and Amount of Fine {$500.00} ) and registration citation ( Citations # XXXX and Fine Amount {$100.00} ) Also, which should have prevented them from doing business in the District Court for XXXX XXXX, Maryland. They were never legally entitled to any money or to place Plaintiff, XXXX XXXX in the position to have a rent escrow action or furthermore any judgments due to renting an illegal apartment not up to code, amongst other misrepresentation. This company owes me and unfortunately I couldnt get a judgment in my favor as I represented myself Pro Se on a brief XXXX meeting with the defendants lawyer and a judge during the pandemic, so I never got my demanded jury trial. The Defendants didnt counter sue and I was not served a judgement for {$9000.00}. I dont owe them anything. XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX Company sold this misrepresentation debt to Fair Collection and Outsourcing/FCO and failed to name ALL PARTIES INVOLVED. The CASE Number : XXXX CIVIL IN RE : XXXX XXXX vs XXXX XXXX XXXX, et al. has been reopened/active with no counter lawsuit. Furthermore, I am asking to cease and desist.
06/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 90046	Web
Disappointing experience working with fair collections and outsourcing ( FCO ) Called to settle payment after receiving 60 % off offer. Was told they would honor XXXX % today since original offer was expired. I asked to speak to a manager. The manager let me know they would ask the debt collection company and they had no abiltiy to offer more than XXXX % without the clients permisssion. The agent I spoke to that day was XXXX XXXX and the manager was XXXX XXXX. The following day, XXXX XXXX, 2016, I called for the status and was told the client had not gotten back to them. I mentioned that I would just close out the debt at XXXX % and XXXX XXXX said he could no longer offer that amount. I asked to speak to a manager and was put in touch with XXXX XXXX. He told me the agent overlooked my file and his offer was misstated. I questioned this since it seems odd that both the agent and a manager overlooked this yesterday. He mentioned the call was recorded which would highlight that both parties offered XXXX % the prior. I asked to speak to a director of XXXX manager to share my concern that either the team had poor quality control practices or was engaging in dubious negotiation practices. I was told no one was available and to wait until they hear back from the client and they would let me know status then.
11/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48174	Web
This company is acting as a debt collector, and I do not recall giving them permission to contact me ( which they have NOT ) But, under more scurinty they have placed this public debt on my records to bemlish and degrade my character as if I do not pay debts owed to me. I request for admissions 1. The original wet blue ink contract with this 2. Consent I have given to you to contact me and put this alleged debt on a public record? 3. where do private people have public debt? 4. What law says that private people are debtors 5. Do you operate under Title 12? I am a private living soul, discharged from my mother 's waters and I know private people can not have public debt, so there is nothing to. There's nothing to " discharge '' or to discharge with. This alleged debt, is causing an interference with my pursuit to enjoyment of livelihood refraining me from access to housing for my child, therefore interfering with my children 's well life and pursuit of happiness. If by any chance you can not answer all questions, that would be deemed as incomplete, and result in admission and default to the solution offered. If unanswered I will move forward with the filings of a 42 USC 1983 suit. WITH MUCH LOVE, WITHOUT RECOURSE WITHOUT PREJUDICE # 11USC109 # UCC3_603 # 12USC412 # UCC9_307h # 18USC8 # Art1sec8cl1
01/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 38133	Web
I recently filed a complaint but I do believe it was not explained correctly. XXXX XXXX is claiming that I owe a debt and I have reached out to provide proof of the debt. In the initial complaint, they responded by saying they sent the first collection letter in XXXX to the last known address. I have the same XXXX XXXX XXXX address on file for the last 10 years and never received any letter that I owe a collection. I only received a copy of the contract after I just submitted a complaint. The contract shows two names and I do not know the other person on the contract. Also how can I owe a debt when I never lived in XXXX until XXXX. The address that is on the contract have never been on my credit file. If I owe XXXX lakes a debt I am sure that the address will be on file and yet it isnt. I only have had a Georgia address on file until I moved to XXXX in XXXX. I see the names but I need adequate proof that I owe a collection. I would like to see my actual social security number that ties me to the collection and not just my name cause Im not the only one with that name Also a legit signed contract and not a computerized signature my actual signature and social security number. This debt is every detrimental to my credit and again I am asking that it is removed from my credit before further action is taken.
08/18/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA XXXXX	Web
Fair Collections & Outsourcing has placed a negative on mine & my wifes credit file in error and are still unwilling to resolve this after repeated letters sent and speaking to managers there. I sent FCO a debt validation letter on XX/XX/XXXX in order to make sure they follow the Fair Credit Reporting Act & Fair Debt Collection Practices Act but they never responded to the debt validation & we NEVER received any notification from FCO in regards to this account referenced in collections and on our credit bureaus. We made a FULL-PAYMENT of {$630.00} to XXXX XXXX XXXX XXXX directly. I spoke with XXXX XXXX from FCO on XX/XX/XXXX and she told me to email proof in order to get the collection account removed from mine & my wife 's credit file and she assured me that it would be done but to this day it has still not been removed. FCO is still continuing to report this inaccurate negative account on both of our credit files. FULL-PAYMENT payment was made directly to XXXX XXXX XXXX and not settled as it shows on our credit reports. I mailed 4 separate letters to FCO in order to get this resolved but they would not cooperate. Attached is our final account statement from when we moved out on XX/XX/XXXX directly from XXXX XXXX and also debt validation letter sent to FCO on XX/XX/XXXX which they never responded to.
01/20/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	PA 191XX	Web
In XX/XX/XXXX, we ( my roomates and I ) were contacted about debt that we owed regarding move-out charges on our apartment that our security deposit did not cover. The total amount in dispute was {$7500.00}. We ask for verification of the debt and the credit collection agency provided details regarding the debt. All of the debt was related to replacing our XXXX square foot hardwood floor. However, we did not have XXXX square feet of hardwood floor. Within our 30 day response period, we sent the company our floor plan which shows XXXX square feet of hardwood floor. The credit company ignored the evidence which would have reduced the bill by {$2000.00}. They also sent us information on XX/XX/XXXX which coincidentally increased the debt by {$2000.00}. The net affect would be XXXX reduction in debt ( we reduced our debt by {$2000.00} so they increased it by {$2000.00} ). We called the debt collection company 2 days later on XX/XX/XXXX and they said they already reported us to the credit card companies. They did not give us 30 days to response. In my point of view, they have the wrong apartment since our floor plans do not match or they are making up debt because they know how much money they need to make. This {$2000.00} worth of debt did not exist until we showed them proof that this was not our apartment.
11/12/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75126	Web
Hello, I recently reviewed my credit reports with XXXX, XXXX and XXXX. I noticed a paid credit collection on my reports. As I was unaware of this dept I disputed it with the 3 bureaus and asked them to validate dept and send me documentation. I received responses from XXXX & XXXX both validating debt per creditor. I called to see what kind of documentation they received to validate this debt, I asked specific questions about the debt, and they said that it was just validated and if I wanted information I would have to call the creditor directly. I requested information from XXXX so that I could validate the dept. They sent me the original contract, which has a date missing by a Signiture, I asked for receipt of payment to see who made the payment and to verify amounts. I asked for any picture or photo ID linking me to the debt, I asked for delinquency dates, and I asked for XXXX licensing number. Please review my emails. The response I received was that they are not sending me verification or validation because the account was closed, even though they are still reporting it to all 3 bureaus. I am taking this very seriously and want to file a formal complaint agains XXXX and I Want this collection removed from my reports immediately. I should be able to verify anything that is being reported about me.
02/16/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33624	Web
XXXX located in XXXX FL XXXX, the apartment complex I lived at during 2019 sent a carpet cleaning bill for {$310.00} to collections without contacting me directly about this alleged debt. This entity provided no written or electronic notice, did not provide any sort of post move out-inspection document, and did not attempt to contact me directly in regard to this matter. I Found this amount of money to be absurd for carpet cleaning. A simple XXXX search for " carpet cleaing '' comes with multiple results for {$120.00} for a 3 bedroom property. Keep in mind my apartment was a one bed, one bath apartment with around 800 sq ft of living area. Fair Collections and Outsourcing placed me on collections and damaged my credit. I disputed this debt with all the credit reporting bureau 's and successfully within 30 days of receiving a written notice and had this negative information deleted from my file on XXXX and XXXX. XXXX, however has contacted FCO directly and is unable to determine the validity of this debt, therefore it was remained on my credit report for over one full calendar year. Additionally, I would also like to point out the incompetence, irresponsible management, and unresponsive administration by XXXX which has snowballed into a series of problems directly damaging my credit.
02/23/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 34952	Web	Older American
We terminated our Rental agreement with XXXX since the Apartment complex did not providet us with safety and security. We have complained several times that the Gates could entered by any car even without barcode sticker, only by folowing the front car, since it took a long time to close after a automobile entered, some times the gate was defect and did not closed at all. After we were robbed our Sportbikes, chained on iron bars inside the hallway and strange people they did not live in the apartments, we took action and cancelled our Rental contract. The charged us with a penalty of two month Rent for early termination. Our complaint and witness from a Police Report XXXX, was totaly ignored by the Management from XXXX. A involvement from our Lawyer was never answered. To have our peace we paid one month aditional rent and afterwards received notice from a collection company to pay {$1900.00}. After we moved out in XX/XX/2013 I hat to pick up some stuff left on the patio we noticed that the Apartment was already rented to an client. Also we found out that the gate system was not changed and many car drove to the gate without barcode sticker. From other government offices we were informed that it was correct to terminate the Rental agreement. The Police Report is still available.
03/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate	FL 33436	Web
In XXXX of 2021, I requested proof from FCO- Fair Collections & Outsourcing , Inc. for validation of an alleged eviction. However, in the corresponding communication I did not receive any supporting or justifying documents from them nor the rental company. FCO is reporting a {$2000.00} and {$5000.00} balance I allegedly owe in collection. In the mail correspondence I received from FCO they only showed me a balance of {$2000.00} from XXXX XXXX which I have no former knowledge of. The balance of {$5000.00} is from XXXX and I am highly confused as to how they are even reporting two different alleged balances from two different companies. This is causing me major issues with being able to show lenders my credit worthiness. FCO has been made aware that my accurate name is XXXX XXXX XXXX, the debt they are reporting is allegedly for XXXX XXXX. I understand that my name is common but they can not even show proof of my Social Security Number, my ID Number or a copy of my ID. They can not show any supporting documents they would have on file for me. It is FCO 's responsibility to ensure accuracy and completeness on ANYTHING they are reporting on me pursuant 15 U.S.C 1681. I have attached a small snippet of my name from my Drivers License and you will see it XXXX XXXX XXXX, not XXXX XXXX.
10/31/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	PA 19121	Web
I never lived here I am writing to dispute a collections account that appears on my credit report. I have reason to believe that this account is not a valid debt, as the debt collection agency listed on my credit report, FAIR COLLECTION & O / XXXX XXXX does not have a license to operate in the State of XXXX, where I reside. I have enclosed evidence to support my claim which confirms my residency in XXXX where i have been living for 10+ years and still am living. As you are aware, under the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), a debt collection agency must be licensed in the state where it operates and the state where the consumer resides. In addition, XXXX law requires debt collection agencies to obtain a license from the XXXX Department of Business Oversight ( DBO ) before engaging in debt collection activities in the state. Given that FAIR COLLECTION & O / XXXX XXXX does not have a license to operate in XXXX, I request that you immediately remove this collections account from my credit report and anything that has to do something with this debt as it is in violation of the FDCPA and the RFDCPA Thank you for your attention to this matter. I look forward to hearing from you soon. Sincerely, XXXX XXXX
05/16/2018	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	GA 30281	Web
I moved out of XXXX XXXX XXXX which was managed at the time by XXXX XXXX ( creditor ) at the end of XX/XX/XXXX. Around XX/XX/XXXX I started receiving calls from the collection agency regarding a debt which I knew nothing about. I requested documentation to verify the debt in which I was told I would need to contact the apartment complex. I did this and still never received this documentation. Out of fear that this would go on my credit report, I settled with the collection company but I was told at the time that if I settled, it would not be reported. Fast forward to now, I pull my credit report and this collection is on my report. I have called the collection agency and requested that this be removed from my credit report but I have been denied this request. Also, one male representative or manager in particular that I've spoken with twice has been extremely rude and actually called me a " liar ''. Honestly, this collection agency should not even be in business Their business practices are unethical and their employees are beyond rude which can be seen just by reading reviews on this agency via the web. I have also tried to contact the creditor in which I was told to email someone by the name of XXXX XXXX and XXXX XXXX but nothing happened and I did not receive a response.
04/23/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OR 978XX	Web
I received a notification from FCO on XX/XX/XXXX, stating that I owed their agency in excess of {$3500.00} for an apartment I rented in XXXX, XXXX. It should be noted that this alleged debt started showing up on all three of my credit reports in XX/XX/XXXX, without any prior notification from FCO or the apartment complex. I submitted a letter to FCO dated XX/XX/XXXX ( certified/signature required/receipt ) requesting verification of the alleged debt. They provided me with a lease agreement that was signed by a different/unknown individual and a ledger. I submitted a second letter to FCO dated XX/XX/XXXX ( certified/signature required/receipt ), advising FCO that they had failed to provide sufficient verification of the alleged debt. It should be noted that FCO claimed ( on behalf of the apartment complex ) that I had not provided sufficient notice that I was vacating my apartment, which I had in writing. Further, I provided them with the fact that Kentucky Landlord-Tenant laws supersede ( XXXX Chapter 383, " If a lease expires on a specified date, no notice is required, it simply expires. '' My lease agreement expired on XX/XX/XXXX, and I had vacated the premises prior to that date. FCO has failed to respond to my second letter which was received by FCO more 60 days ago.
05/19/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	LA 70118	Web	Servicemember
I signed the lease XXXX XXXX XXXX I looked at the apartment it was not ready to move in, I was assured that all the issues would be taking care of ASAP. She call me XXXX XXXX XXXX said that they would be painting the apartment and taking care of the filter and the door. I just back every day and every day they assure me it will be taken care of the next day. On XXXX XXXX XXXX , I send a notice to vacate because the apt was not ready for me to move in. I returned all keys and parking passes. I never received a copy of the lease and every time XXXX XXXX XXXX went to sign the lease the property manager was not there. On XXXX XXXX XXXX , I get a called from the property manager stated that I was being evicted for non-payment of rent. I explain to her that I did not live there and sent her all the documents and email her and ask to take care of this. Then on XXXX XXXX a collection show up on my credit reports from FAIR COLLECTIONS AND OUT XXXX XXXX XXXX XXXX XXXX , MD XXXX ( XXXX ) XXXX {$4900.00} I contact the company sent all my information. Then they just sent me an email stating that the property manager stated that I did not notify them until XXXX XXXX XXXX , which you can see was not true.
05/17/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33160	Web
In XXXX, I was incorrectly charged for liquidation damages and carpet replacement fees by XXXX XXXX ( XXXX, FL ). This account was then sent to collections, ( Fair Collections & Outsourcing Collections or FCO Collections ) for this amount and has had an adverse impact on my credit file for years. The charges outlined on the final account/move out statement provided by XXXX XXXX were incorrect to begin with, which subsequently made the amount of the debt in question invalid : This property was originally occupied on XX/XX/XXXX and lease renewed annually thereafter until XX/XX/XXXX. Per the lease agreement, 40 % of the carpet replacement expenses should have been charged, yet 100 % ( {$1100.00} USD ) was charged instead. ( see attached ) Per the lease agreement, a 60 day notice to vacate was needed prior to the ending of the lease in place. This was provided, but was disregarded or overlooked and the lease was renewed anyway, causing liquidated damages cost ( {$1200.00} USD ). ( see attached along with email correspondence ) In short, this account should have never been sent to collections as the amount due was inflated with incorrect costs. I have tried to dispute this derogatory item with creditor, collections agency and credit bureaus but to no avail.
06/13/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21117	Web
I noticed a collection account on my credit report for a company with which I have never done business. Fair Collections and Outsourcing claims that I owe {$10000.00} to them. I sent a certified letter to dispute this accusation and request validation, the company received and signed for the letter onXX/XX/XXXX. I have the electronic signature confirmation from the US Postal Service as proof. This company is required by federal law to place a " notice of dispute '' on my credit report within 30 days of receipt of my dispute. They failed to do so. I pulled by credit report again on XX/XX/XXXX and there was no such " notice of dispute. '' I have retained a date stamped copy as proof. They are in direct violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I sent another letter which they received and signed for onXX/XX/XXXX. This letter was to inform them that they violated the law and instead of pressing charges, I would be willing to refrain from further action in exchange for a deletion from my credit report with the 3 major credit bureaus. I have not yet received a response from them. This is very damaging to me and I think it is very unfair for a company to be able to break federal laws with no consequence. Please help.
04/28/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	MA 02124	Web
Fair collections and outsourcing is wrongfully reporting on my credit bureaus. i 've sent requests registered mail to the bureau three times to investigate and they keep concluded that the account is valid, but in over 3 months of sending letters requesting proof that the debt belongs to me and it is a debt that i signed for with this company, to date no proof has been furnished. i sent an email to the company on XXXX XXXX, 2016 demanding proof straight from the source. i stated if you can not supply me with proof of this debt please remove the debt from my credit bureaus. i received a response from XXXX XXXX stating that she would investigate and get back in touch with me. i have received absolutely nothing i even sent a follow up email and i 've received no response. this is not my debt and they have it unfairly listed as a collection on my credit and i want it removed. i need to find a new residence and this is severely hindering the process and i could soon be homeless. where are the rules and regulations that govern these lying thieving companies from imposing undue and unfair negative information on well to do consumers. where is the justice. what is FCRA if it is useless and the laws and regulation by which they govern these entities are a big joke?
05/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Personal information incorrect	IN 461XX	Web
XXXX XXXX in XXXX Indiana filed an eviction against me on XX/XX/XXXX saying i was still living there even though i told them i was not but they said they would not consider me out of there until i return the keys that i had lost. On XX/XX/XXXX the case was dismissed without prejudice for the reason that all parties fail to appear. They ever filed a lawsuit against me, or a Judgement against me and they still illegally reported the eviction to the credit bureau and its been hard for me to get my own place ever since. I disputed the credit report i think this is my second time providing evidence that the case was dismissed in court and XXXX responded to them saying that the information on file was correct and that mine was not you can see the entire case here at XXXX XXXX XXXX XXXX XXXX from what i researched this is illegal as they did not file a lawsuit or a judgement against me that was approved i need help getting this off my credit and holding these guys accountable im XXXX and get SSI every month i cant afford an attorney let alone to pay off the debt that i supposedly owe even though i notified them that i was no longer living in the apartment and they continued to charge me rent and kept my deposit when there was absolutly no property damages done
01/12/2016	Yes	Credit reporting	Incorrect information on credit report Account terms	NY 12110	Web
I have on several occasions disputed an account on my credit reports. I have disputed this information with both the credit reporting companies and the collection agency themselves. I have asked for proper validation and I get absolutely no response. I am under the impression that this company has 30 days from the date my validation request is received. This company never responds and effectively ignores my request for any validation in regards to this account. I have disputed the amount, and address on file with this company. In every instance I have never heard anything back from this company. If I submit a dispute through the credit reporting agency. The agency reports that the debt has been verified as belonging to me. I am aware that the reporting agency uses a standardized system in validating a quick and efficient response. However, this is no way proves this debt as belonging to me or that the amount is in anyway accurate. I want this collection agency to validate my so called debt as outlined in the Fair Debt Collections Practices Act. They are required to verify this debt if they can not. Then I want this debt removed. The collection agency in question is Fair Collections and Outsourcing. Address is : XXXX XXXX XXXX XXXX XXXX, MD XXXX
10/17/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MA 026XX	Web
I lived in XXXX XXXX XXXX, XXXX MA from XX/XX/XXXX until XX/XX/XXXX ( 4 years ) while working at XXXX XXXX XXXX in XXXX, MA. I never failed with my monthly rent payments. However, when I moved out from the place, the manager sent me an email with a bill attached to it. It seems that I owed some money which supposedly included the following charges : few extra days ( as I moved out ), a final water/sewer charge, a door jam charge, and a carpet stain charge. I honestly took well care of my apartment and passed final inspection at the time I left ( I was single, not kids, no pets ). I felt they were unfair with these charges and tried to negotiate as I was OK with paying extra days and water/sewer. I ended up in collections and I paid strictly what was owed ( only extra days and water/sewer ). Today is year XXXX and I have this unfair collection mark on my credit report. This has been the most expensive rug I have had to pay up to this day. The situation seems unfair, abusive, and financially distressed as I have never been able to qualify for decent financial products! I hope CFPB helps me to remove this mark on my credit report forever! I will appreciate your help in this important matter! Blessings and stay healthy outhere! Regards, -XXXX XXXX XXXX
06/24/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33071	Web	Older American
I receive a letter from Fair Collections & Outsourcing dated XXXX XXXX, but I received the letter in the mail first week of XXXX They try to collect {$560.00} for an apt at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. as of XXXX XXXX never received any information about this before on XX/XX/2022 I paid to XXXX XXXX XXXX {$6800.00} for rental, lawyer fee, late fees etc. when I got the letter from the collection agent, the letter explain how to disputed and that I have until XXXX XXXX to dispute or make a payment and also said that if I write to them by XXXX XXXX they must stop the collection until they send the information about this debt. My complaint is about the action they took. They report this collection to the 3 credit on XXXX XXXX, when the letter stated that I have until XXXX XXXX. I call on the XXXX XXXX XXXX to get more information and paid I was toll that they already reported to the credit agency, that I can make the payment, they will reported but the collection was going to stay for 7 years, I questioned why they report on XX/XX/XXXX, the agent that I spoke said that I can complaint to XXXX, com .maybe they can help to XXXXXXXX XXXX try and does not show in the website. This action affect my credit score with when down XXXX point.
06/07/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 19131	Web
The XXXX XXXX , Management company for XXXX XXXX XXXX XXXX , refuse to change or eliminate the amount they state is owed to them for cleaning damages to an apartment I rented from them for a year. I have videos of how I left the apartment ( which was fully cleaned which I submitted to them ). I also disputed the case with the current ap artment manager, who stated a different total owed, and that she only had record of a custodial che ck list submitted on the apartment. The presence of this on my credit report is extremely damaging, especially with the company having no proof that I left the apartment in the condition they stated, of which I have dated videos to prove otherwise. Dates rented t he apartment is on the attached documents. Total reported to t he credit bureaus : {$2500.0 0} Total amount reported on letter submitted to myself and other property in apartment network : {$1600.00} No Rent Due ( as attached ). This is a huge difference. Not to mention, that although this was stated on their management report to my new apartment management, they did not reduce the amount on my credit report. This is extremely damaging to my credit report, and is likely to come up every time I seek to rent another apartment.
10/30/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IN 46385	Web	Servicemember
XX/XX/2015 - Moved out of rental property in XXXX, GA completing required move out obligations with property management company XXXX XXXX XXXX. Move out inspection was scheduled after relocation date for my work and rendering me unable to attend. XXXX into XXXX I contacted the Rental Property Manager to inquire about the status of my security deposit return as I had not received it. The manager informed me that I would not be receiving the deposit and in addition I would be responsible for charges that I was until that point unaware of. Requesting documentation of these alleged charges I was hard pressed to recieve anything from the rental property as they had little to no records of my lease agreement the result of an acquisition. I still affirm that these charges were fabricated and illegitimate. Communication with the Property Management Company deteriorated as the Manager no longer responded to voicemail nor was available for conversation. XXXX of the following year debt collection attempts began immediately prompting my dispute letter to the company Fair Collections and Outsourcing, these attempts to dispute the information with them directly went unanswered. See attachment for reference regarding the events that there unfolded.
06/28/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92591	Web
This complaint bears on my previous complaint no. XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) presented the same response that Fair Credit and Outsourcing ( FCO ) has presented to the Consumer Financial Protection Bureau ( CFPB ) to the banks that issued the credit cards and lost its cases simply because the rental application I signed is void as a matter of law. The application was rendered void because XXXX failed to disclose certain material facts it was required to disclose at the time I signed the application. Both the banks that issued the credit cards agreed with me and credited back the disputed amounts. Having been unsuccessful in convincing the banks, XXXX is now attempting to use FCO to convince the CFPB. In its response to my previous complaint, FCO did not address the issue of whether XXXX failed to disclose certain material facts when I signed the rental application, a failure that renders my application legally void. The facts that XXXX failed to disclose but that I came to know after signing the application are known to XXXX XXXXXXXX should have conveyed the nature of the credit card disputes to FCO, but it did not. In essence, the application I signed is legally void and I do not owe any debt to FOTA or FCO.
09/04/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48154	Web	Servicemember
I have been trying to get this resolved for years now. I have retained a lawyer, I called the police and filed a report, I spoke with the company one time but they told me sense I retained council, neither the collection agency nor the original company were allowed to speak to me about the matter. This account or collection or whatever you want to call it was supposed to be taken off for fraud and misinformation years ago but they still have it on my report. I never had association with the charges they had put on my credit file years ago. Its simply not mine. I never received any kind of notification or letter from either company, i assume because the debt belongs to someone else, and they received all the notifications and letter a debt collector is supposed to send out. Again, I wish i had more answers but unfortunately I dont. It has been YEARS that this fraud collection was supposed to be removed. I dont know how its so easy to mess someones life up, and there are no consequences for the big bank companies that ruin those lives. This is a simple fix, but unfortunately over the last few years, Ive come to find out that it is never simple with credit. At this point, I dont know what else to do. I feel helpless and just need help!
02/05/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 106XX	Web
I do owe any balance from XXXX XXXX XXXX XXXX. I deposited {$1200.00} but I did not even stay in that place for a month. I paid XXXX XXXX XXXX XXXX on the XXXX of the month but by the XXXX I already moved out. I talked to the secretary and says it's okay and I returned the key. I thought that there would be no issue with me moving out since they still have my deposit. But I was shocked to see FCO ( FAIR COLLECTIONS & OUT ) on my credit report collecting $ XXXX.I paid for the whole month even I only stayed for half of the month so I do not understand why FCO ( FAIR COLLECTIONS & OUT ) is collecting {$1400.00} on their behalf. I do not understand why FCO ( FAIR COLLECTIONS & OUT ) has my information or even collecting money from me. I am afraid that with this my information has been compromised. Also, this account put negative remarks on my credit score. I am not obligated to pay for the alleged debt and it should be removed from my credit report. FCO can not just collect money from people without verifying if the balance is valid or if they should collect it in the place. XXXX XXXX XXXX XXXX should more responsible for handling customer 's information and verifying if there is money that needs to be collected to the customer.
09/01/2022	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29349	Web
To Whom It May Concern : This collection agency is trying to collect based on incaccurate information that is not owed. Please see attached a copy of my request via email to cancel my lease with a 60 day notice on XX/XX/XXXX. The office manager, XXXX XXXX, responded to me via email on XX/XX/XXXX, acknowledging my notice to end my lease ( see attached ). So, per the lease agreement, a 60 day notice is required ( see attached notice ). Furthermore, I vacated the premises of the apartment on XXXX, the day that I signed my new contract on the place that I moved. Consequently, I was not living at XXXX XXXX XXXX during the month of XX/XX/XXXX to XX/XX/XXXX, as in what your collection letter states. I have enclosed a copy of the United States Postal Service change of address confirmation on XX/XX/XXXX, showing that I had moved, and I did not live there anymore. So, as I have previously stated, I was not living there during the month of XX/XX/XXXX. Section 623 ( e ). The Fair Credit Reporting Act prohibits information furnishers from providing information to a CRA that they know or have a reasonable cause to believe is inaccurate. Please delete the inaccurate information from all three of my credit bureaus. Sincerely, XXXX XXXX
06/24/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 91362	Web
I received a letter in XX/XX/2022 dated XX/XX/2022 from Fair Collections and Outsourcing, XXXX XXXX XXXX, # XXXX, XXXX, MD XXXX, claiming that I owed a debt of {$9300.00} from a lease with " XXXX XXXX XXXX XXXX at C '' with unit number XXXX. I have never lived at such a location nor have I ever entered a lease with an entity known as " XXXXXXXX XXXX XXXXXXXX XXXX at C ''. Furthermore, the letter misspelled my name, indicating that the letter is either fraudulent or that the company did not do their due diligence to locate the correct individual. On XX/XX/XXXX I sent a Letter to Fair Collections and Outsourcing stating that this debt is not mine and that I had no dealings with the aforementioned leasing company. I further request that they stop contacting me regarding debt collections until they sent proof that I owed this debt. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from Fair Collections and Outsourcing stating that " [ my ] account has already been reported by our office or is scheduled to be reported '' to the three national credit reporting bureaus. Fair Collections and Outsourcing ignored my request to provide proof of debt and threatened to report me to the credit bureaus, in violation of federal law.
12/03/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	CA 94025	Web
On XX/XX/XXXX, I notified XXXXXXXX XXXX of XXXX, CA, of my intention to vacate my apartment, with the lease ending on XX/XX/XXXX. However, I was incorrectly charged for days beyond my tenancy. I returned the keys on XX/XX/XXXX, as their office was closed on my move-out date. Despite this, XXXX altered my move-out date to XX/XX/XXXX, leading to unjustified prorated rent, insufficient notice fee and other move-out charges. Subsequently, XXXX sent my account to Fair Collections & Outsourcing Inc ( FCO ) for collections without providing me an itemized breakdown of these charges or notifying me of the debt. On XX/XX/XXXX, upon learning about the collection action from FCO ( letter sent dated XX/XX/XXXX ), I immediately disputed the debt, requesting a detailed validation, including specific charges and their justification. Despite my dispute, FCO reported the alleged debt to credit bureaus without any response. The actions taken by XXXX and FCO have adversely impacted my credit and have been conducted without transparency or due process. No effort was made by XXXX to clarify or validate the charges before escalating to collections. FCO, in turn, failed to adequately address my dispute before reporting to credit bureaus.
06/14/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33193	Web
I have disputed this account, because it is inaccurate, I have also requested validation of the debt. In communication with the XXXX XXXX and XXXX, I made the process, having no results and return this account as verified, formally request, debt validation, instead XXXX XXXX responds with a letter, to send you a copy of my report credit and underlining or mark the errors, is not only that, is to request verification with documents that carry my signature and did not respond to it. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
03/18/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 93535	Web
In XXXX of XXXX I moved out of an apartment ( XXXX XXXX ) ran by XXXX XXXX XXXX XXXX that was shared with me, my wife and child, sister n law and her significant other. We gave notcie to property XXXX XXXX on XX/XX/XXXX that we would be moving out XX/XX/XXXX due to my new job in another city. I asked for the paper to sign stating that we were moving and he said he would bring it by our apartment. 2 months went past and we had a walk through of the apartment with property manager XXXX on XX/XX/XXXX in Which there was absolutely no damage. He then provided me with a notice to move document with no date in which I said i would not sign unless the document was pre dated to the correct date. I DID NOT SIGN the document, gave him back the key to the property and he said he would have the property management company call me in which they never did. My deposit was kept and I was told that I didnt give 30 days notice to vacate and that the notice I gave came on XXXX XXXX in which me and my family were not in the city at the time. The signature on the Notice to Vacate is NOT MINE, nor did I ever sign one. I was later charged {$1300.00} for carpet replacement and unpaid rent. All charges are false and documents are falsified.
10/01/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 33566	Web
There are many things wrong with this debt. 1 - I do not owe it. I have contacted them several times saying I do not owe it, I don't know what it is but they refuse to send me any information. I have asked several times for the information but I have not received a single thing from them. How am I supposed to resolve it if I do not know what it is?? 2 - They won't stop calling!! I have asked them several times to stop calling me but they still do, multiple times a day. I get calls during my work hours every day. I have told them I am at work and they can not call me during work hours but they still do anyways. I am getting into trouble at work because of it. 3 - They have one debt broken up into 2 separate debts on my credit report but I don't know a single thing about either of them or how it could possibly be 2 separate debts. I don't understand how a company can do these things to people. Its not fair that I don't know any information about it so I don't even have the chance to resolve it. I have been trying to ask the company for over a year about it to resolve it myself before taking it to a complaint but I have not gotten anywhere. I am going to get fired from my job if they do not stop harrassing me.
10/17/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	MI 480XX	Web
I applied for XXXX XXXX and was approved on XXXX XXXX and received an approval letter. Later the following week, I received a call asking for additional information and was told verbally that I was no longer approved after making personal and financial decisions to reflect that decision. At this point I had already paid the company XXXX dollars and was promised a refund within XXXX business days and email confirmation of my denial. Neither was received, in fact I was constantly calling and emailing trying to get confirmation and proof of everything because I found it very unprofessional and unethical to approve an application, deny it, and not provide a refund within the time promised. Fast forward a year later, this company is trying to say I owe {$440.00}. This is almost laughable and just disgusting that companies are even doing things like this to customers. How are you trying to come up with a debt that I DONT owe a whole year after not responding or even sending me a whole {$740.00} back. This is literally the most I can type right now because it's shocking that my information can even be sold without my permission, and no one does anything about these unprofessional, greedy, unethical companies.
02/08/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32224	Web
I noticed a collection account on several of my credit reports from FAIR COLLECTIONS & XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. I submitted a dispute for this company alleged debt against me, as I have no knowledge of this debt. I was notified by both XXXX and XXXX XXXX that the debt " meets FCRA requirements '' and would remain on my record. I wrote letters to both XXXX XXXX and XXXX as well as '' FAIR COLLECTIONS '' for written verification of this debt which I am entitled to under the FCRA. I have not received any form of communication in writing in regards to this alleged debt from anyone to this point. Under Florida law, my state of residence, debt collectors must hold a licence under the Florida Department of Financial Regulations. For fear this company may be some sort of scam I checked the Florida Department of Financial Regulations to check to see if FAIR COLLECTIONS & O XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX hold a valid licence in my state to act as debt collectors, The company does NOT. My research I preformed on the verify a licence portal of FDFR did not show as them to NOT even be a legitimate debt collector in the state of Florida. I would like this false debt deleted off of my record.
12/28/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 91780	Web
Fair Collections & Outsourcing is attempting to collect a debt for unpaid rent in violation of Cal. Civ. Code 1788.66. I attempted to dispute the collections via XXXX dispute process but the dispute was denied for unknown reasons. XXXX and my previous landlord are liable for violating Cal. Civ. Code 1788.66 and I am preparing to file a class action lawsuit seeking damages and imposition of punitive damages pursuant to the code section below. Cal. Civ. Code 1788.62 ( ( b ) In the case of a class action, a debt buyer that violates any provision of this title shall be liable for any statutory damages for each named plaintiff as provided in paragraph ( 2 ) of subdivision ( a ). If the court finds that the debt buyer engaged in a pattern and practice of violating any provision of this title, the court may award additional damages to the class in an amount not to exceed the lesser of XXXX XXXX XXXX dollars ( {$500000.00} ) or 1 percent of the net worth of the debt buyer. ) I believe that XXXX is actively purchasing consumer debts in violation of Cal. Civ. Code 1788.66 and request that the CFPB take immediate action to provide relief to other consumers/renters who are qualified for protection as well.
04/18/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 787XX	Web
I lived in the XXXX XXXX in XXXX, Texas from XX/XX/XXXX until XX/XX/XXXX, during which time I came into personal conflict with a member of the office staff who made lewd comments about other customers and took offense when I objected to his disparaging treatment. After we moved out, I paid a maid service to clean the apartment from top to bottom, and we left the unit in better condition than we found it. A receipt for the cleaning was produced at that time, however they insist that it is not in our file. Amazingly, nearly six months later I received notice that we owe {$1400.00} for cleaning the apartment unit. I regard this charge to be outright fraud. My wife and I have excellent rental history and good relationships with our landlords. We left this apartment smelling of bleach and Pine-sol. The XXXX XXXX employee I was in conflict with laughed at me when I called the office to discuss these fraudulent charges, and told me it was " tough XXXX '' and that I'd have to pay up or I would " never be able to rent in XXXX again. '' Thankfully, this threatening comment was not true, but their fraudulent charges remain on my credit report despite numerous disputes filed with all the reporting agencies.
03/23/2023	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	DC 200XX	Web
I disputed a debt with my former landlord, XXXX, for breaking my lease in XX/XX/XXXX. They overcharged me and refused to comply with DC Law governing their duty to mitigate damages. They refused to let me speak to anyone with more knowledge of the law than a sales associate and refused to negotiate. In XXXX, they reached out to me again. I again asked to speak with their lawyer and they refused. After a few months of silence, I did get a letter from their lawyer. I discussed with him how they had not complied with DC Law and he said they would now negotiate. Instead of negotiating, they sent the full debt to a debt collection company, Fair Collections and Outsourcing ( FCO ). I informed FCO that the debt was inflated and inaccurate. They sent me my lease back and I informed them how XXXX had not complied with the law to inflate the amount owed. I provided them evidence and said I would be happy to settle the undisputed portions of the debt. Instead of negotiating, they reported the full debt as owed to the three credit reporting agencies. I would note that they could have sued me at any time, but they chose to avoid a venue where their debt would be reduced and they would be forced to negotiate.
12/05/2018	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	FL 33544	Web
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.
04/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32825	Web
On XX/XX/2023, I was alerted that an account was added to my credit profile. I want everyone to be aware that I am not liable for this debt with XXXX XXXX XXXX XXXX nor have I received a contract or any form of a statement from Fair Collections and Outsourcing ( FCO ) no paperwork was sent to me prior to adding anything to my credit report. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I am not liable for this debt with XXXX XXXX XXXX and do not have a contract with fair collections & outsourcing. DO NOT RESPOND TO THIS COMPLAINT AS " VALIDATED ''. I AM FILING THIS COMPLIANT IS TO ENSURE THAT THE ACCOUNTS WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). I WILL SEEK ATTORNEY REPRESENTATION GOING FORWARD.
05/19/2017	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	NV 891XX	Web	Servicemember
I have been calling and trying to understand and properly negotiate the debt. After speaking with the issuing company I was directed to the collection agency. The person I spoke with in the fall was rude demeaning and lied. She made fun of me for how much I could afford to pay and even said it was a joke, and not a legitimate amount given how large my balance was. She then told me I was refusing to pay, so I paid the only amount I could, a few hundred dollars. I have not refused to pay and I can not believe the way I have been made to feel. Is it ok for people to make you feel poor and like a bad person? I am trying to deal with the debt like a civilized person and the company is making me feel like I am worthless. I am a United States XXXX Veteran , and I do not need people over the telephone harassing me in order to get more money from me. It is rude, predatory and it really makes my blood boil. Can you imagine how I feel after falling behind on my bills and then being told I am good for nothing, even after I made a payment? The next person I spoke with was not as rude but still told me my payments were amusing and that I was going to essentially be punished if I did n't pay.
12/27/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11720	Web
Recently, I received a copy of my credit report and found several inaccurate information and fraudulent accounts on my credit report that were not opened by me ( See attached FTC Report ). I don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I communicated with the alleged debtors and requested proof of claim and to validate the debt within 30 days ( See attached Debt Validation Letter ), and so such debt was validated.. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, a line of credit or for to procure goods and services.
03/02/2021	No	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NV 89014	Web
1.The purported debt collectors have not only been argumentative, but have conducted themselves in a manner unbecoming of a debt collector as outlined in 15 USC-1692 ( d ) 806. Their language and conduct violates the basic and common standards of the FAIR DEBT COLLECTION PRACTICES and business etiquette. 2.The purported debt collectors failed to provide VALID CERTIFIED STATEMENT OF ACCOUNTING 15 USC-1692 ( g ) 809 ( b ) ( UCC ARTICLE 9 ) upon several requests and demands for valid certified statements of accounting and violates my rights as a consumer. The law requires that ALL DEBT COLLECTION ACTIVITIES MUST CEASE until such debt is validated and or verified FCO representatives are obligated by law to act in good faith but have yet to show any good faith efforts. I am backed by the FULL FAITH AND CREDIT of the United States, public law 93-224 so there could be no honest claim that any I owe any debt to this debt collector. 3. WITHIN 7 DAYS OF THIS NOTICE TO AGENT IS NOTICE TO PRINCIPLE, the purported debt collector must immediately PERMANENTLY REMOVE AND DELETE the harmful and fraudulent accounts being reported to all credit bureaus to which the debt collector is currently reporting.
02/12/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30281	Web
I received a collections notice from XXXX in XXXX over a rental damages debt. I have never even heard of the creditor, called XXXX XXXX. I never rented property from XXXX XXXX. I requested verification and it was not provided. The creditor originally listed was XXXX XXXX, which like XXXX XXXX I have never heard of. And when verification was requested, they told me they would email me verification and they never did. This started as being listed as " joint debt '', now is showing as just mine. I have made multiple requests to contest it on my credit report, and it always ends up staying on, even without being able to validate. It just added notes that I have contested it. I have received several letters, the last one dated XX/XX/XXXX. I have received phone calls. So, I am continuously being harassed and have attempts made to collect a debt that is not mine, nor was verified to be mine. This is a violation of FDCPA as they continue to go after debt that is not mine, and I have requested multiple times for them to prove or remove and they have done neither. Once verification is requested all collection attempts must be stopped and verified before they can continue, and this was not done.
02/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 20708	Web
I recieved a notice in the mail off a debt of {$7300.00} dollars with my name on it from this Company in XX/XX/XXXX which I have no Knowledge of. When I decided to look into it I noticed that the Companies name was on all three of my credit reports. I do remember disputing this matter earlier in XXXX with all 3 credit bureaus but the account still remains on my reports. XX/XX/XXXX I sent the company a letter asking them to validate this account they never responded to my request. XX/XX/XXXX I decided to dispute it again with the with XXXX, XXXX and XXXX only to have this account remain on my report without changes. XX/XX/XXXX I emailed this company with the same request for validation of this account thinking I would get a response from them this time on the matter. With no response from the mailed letter and email, I decided to send a second email to them of the same request. This time they responded to me stating that they will contact me after they do a investagation which I think was just said to get me to stop sending my request for validation. I been trying do get answers for a year now by myself but to this day this account have not been validated to me with any documentation.
05/30/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DC 20019	Web
Contacted FCO numerous of times to dispute and have them reverify ownership and balance owe after being denied rental property for debt being on credit. In attempts I was told that the third party could not be reach there fore the debt should be paid by myself. Was also talked to very rude and was denied further communication if I was not will to work out a resolution for debt owed. Representatives refused to acknowledge dates if information verify after initially picking up account. Sent letters and had caseworker reach out to get issue resolved. Went over documents that I had on file and did not match with FCO documents. Was told that the information they had was verified and correct. But they were all dated two years ago. Was told that it did not matter that I was in a third party housing program was they lost funding I was responsible for debt owed. Only because lease had my name on it. Tried to explain that the program was to establish secure housing with financial responsibility on the program. Was still told very rudely that debt it mine and that I would be hung up on if I did not wont to resolve. Was also told that certain identification info was not relevant to my situation..
08/03/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA XXXXX	Web
I received my first contact about a debt collection in process in XX/XX/XXXX. I immediately disputed with the collection company and the original debtor in writing. As of XX/XX/XXXX I have not received a response from my letters sent in XX/XX/XXXX. This past week I had applied with a rental property to move into a new apartment and I ca n't because this collection was placed on my credit report in XX/XX/XXXX. I had no knowledge of the debt collection nor was I given the opportunity to dispute it, provided any of my rights to dispute, and my XXXX credit score when from XXXX to XXXX from XX/XX/XXXX to XX/XX/XXXX although I have paid down my personal credit cards and have had no late payments ever since XXXX. I pride myself on my credit and paying all credit card and debt obligations in a timely manner. I was also denied a credit card in XX/XX/XXXX and was n't provided the details of this debt collection except that my credit score was too low. This has extremely impacted me in a negative way and I need to have the collection debt removed from all XXXX of the credit bureaus immediately. I have opened separate disputes with them as well. I appreciate your help and any guidance. Thank you.
09/11/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30341	Web
I recently received a letter from the Fair Collections and Outsourcing Inc, in an attempt to collect a debt that was not mine. Today, I visited the property that sent me to collections for this unpaid apartment application in an attempt to learn more about how this happened. The property manager XXXX XXXX printed documents showing that my name and social security number were used with additional information to include phone number and addresses that didn't belong to me. The person who pretended to be me when applying for this application listed their bank as XXXX XXXX XXXX XXXX a bank I have never belonged too nor had dealings with. The property manager agreed that it was identity theft which occurred but continues to direct me to deal with the collections agency he forwarded me too, instead of dropping the collection. He even stated that he opened another claim against me but was not sure if it was tied to the same account number. I am not responsible for this charge nor was I the person that initiated it. The only thing that was valid in this person 's application in an attempt to impersonate me was the name and social security number from the documents that I see.
02/06/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	DC 20020	Web
I received an itemized list of the reason portions of my security deposit was being withheld, the amount totaled {$190.00}. Items listed were final water bill, - {$57.00} and 3 days of pro-rated rent - {$130.00}. After receiving the check I reached out to my rental company outlining why my full security deposit should be return, the email is attached. Beginning on XX/XX/XXXX I started receiving phone calls from a debit collector, Fair Collections & Outsourcing , Inc. ( FCO ) and it wasn't until I XX/XX/XXXX when I finally spoke with the collector to determine the reason for the call. XXXX XXXX, whom had already withheld the - {$190.00}, turned me over to this collection agency to collect a debt that was already withheld from the security deposit. Thus FCO is attempting to collect a debt already paid, please see the documents attached. You will notice that the reason for the collection, pro-rated rent and " damage charges '' differ from the final notice sent by XXXX XXXX, which states " final water bill - {$57.00}, also attached. I feel that I'm being retaliated against by XXXX XXXX for my persistence in asking them to return my full security deposit as the claims are bogus.
06/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	DE 19805	Web
1. FCRA The ACT Title VI violation ; 2. Validation of Debts 15 U. S. Code 1692g & 3. 15 U. S. Code 1681c-2 Fraudulent Reporting to the Bureaus On XX/XX/XXXXXXXX A security freeze was placed on my XXXX report fraud On XX/XX/XXXXXXXX A security freeze was placed on my XXXX report due to fraud Reporting to the CFPB On XX/XX/XXXXXXXX I made a report to CFPB On XX/XX/XXXXXXXX I made a report to CFPB regarding credit reporting fraudulent activity Credit Report Removals I was able to get XXXX, XXXX XXXXXXXX and XXXX XXXX removed from my credit reports. The following companies have yet to be removed and one still reporting negatively against my report. Current Violations Credit Report # XXXX XXXX ( reflected across all 3 Bureaus ) 1. FCO Fair Collections and Outsourcing XXXX XXXXXXXX client ). Settled XX/XX/XXXX. Continuous reporting to the bureaus until XX/XX/XXXX Original removal date was XX/XX/XXXXXXXX Removal date changed to XX/XX/XXXXXXXX Original reported to credit bureaus XX/XX/XXXX. I still lived in the apartment. I left XX/XX/XXXX. FCO is a vendor of XXXXXXXX. XXXX is my XXXX XXXXXXXX and he hates me. This is malicious reporting by his friends and ex colleagues.
11/14/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	GA 303XX	Web
FCO Collections agency reported to XXXX, XXXX, and XXXX that I owe a debt of {$2300.00} to XXXX XXXX. This is inaccurate and erroneous and I sent documentation to the company of such. Particularly alarming is the fact that I was never a leaseholder at the property or with XXXX XXXX and never had any financial or legal obligations to XXXX XXXX, The Collection agency could not provide any proof that this was indeed a debt that I owed yet they illegally reported and published it on my credit reports. On XX/XX/2021, I sent an email to the compliance department of Fair Collections & Outsourcing , Inc., with a copy to XXXX XXXX of XXXX XXXX, clearly stating that there had been a misunderstanding regarding the alleged debt. In this email, I highlighted that I was never the primary leaseholder associated with the account in question and that there is no outstanding balance owed to XXXX XXXX. Furthermore, I received correspondence from XXXX XXXX of XXXX XXXX on XX/XX/2021, which supports my position that I do not owe any debt related to the property this information was furnished to a collection agency that disregarded and continued to attempt to extort me for money.
10/29/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	GA 30080	Web
The Date is XX/XX/XXXX? XXXX. Amount : {$750.00}.. I have deputed this information and I have not received the information which I am requesting. This leaves me with greater Concerns from XXXX at XXXX and your company is reporting on sharing my identity and information that is NOT correct which is reflecting on my credit Report with in-accurate information that is affecting my life which has hurt my ability to obtain credit. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by Federal Law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on the credit report. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ). FCRA also according to 15 US Code 1681 ( s ) 2, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must removed the account ( XXXX ) from my credit profile.
06/25/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 91107	Web
From XX/XX/XXXX - XX/XX/XXXX I paid XXXX approximately {$27000.00} - This amount includes 12 months of rent and the small utilities charged by XXXX. XXXX is claiming that I owe them approximately {$5800.00} for unpaid rent and utilities. 1 ) I paid my utilities to XXXX, XXXX and XXXX XXXX, previously. I asked XXXX to produce a record of the amount I supposedly owed them for for utilities and they were never able to do so. 2 ) Meanwhile, these supposed utility charges were piling up and XXXX continued to evict me twice with an unlawful detainer. I tried to resolve the UD with the property manager, XXXX XXXX, and he agreed that I shouldn't be evicted, but a second eviction was started. After the second eviction and no response from the property manager I decided that it was best for me to leave the apartment, so I no longer had to deal with this mishap. I lived at XXXX for 12 months and paid my rent on time every month. XXXX was never able to produce a record of what I supposedly owed for utilities and they tried to evict me twice. I have no idea what I owe them, if anything and instead of resolving this with me XXXX decided to go the collection route.
03/22/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33327	Web
OnXX/XX/XXXX I decided to pull my credit report from XXXX XXXX because I was building my new credit which I just establish with my recent assigned social security. But it was a surprise that I found a company called Fair collection and a debt for {$7000.00} which I did not have any idea that I had. I was unaware about this, I had lived since XX/XX/XXXX to the same address. I contacted this company and they said I owed this amount and needed to be paid in full. So, I request debt validation and I haven't received any information, also I went to filed a formal complaint to the police station closed to me. I sent out to them a complete report about this. They still saying that I OWE something that I was never be notified as mine, also I did not have any calls or previus information, they never informed me about put this on my account, if they had my information why they didnt send me a bill or statement to my address. So, I had less than a year with my credit and this people is making my life miserable because of it. I'm so disapointed about things works here. This people have very bad reviews and complaints everywhere, its something it needs to be investigated.
12/02/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	CA 953XX	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LANDLORD USES FRADULENT TACTICS TO COLLECT RENT TWICE ON SAME UNIT, ILLIGALLY SEND FOR COLLECTION, AS SHOW IN MY CREDIT REPORT : FAIR COLLECTIONS & OUT - XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. A collection of {$6600.00} placed on XX/XX/XXXX on XXXX, for XXXX XXXX was recoded in my credit. That day the unit had already been rented for the second time. The result, credit score dropped from XXXX to XXXX XXXX Score on XX/XX/XXXX. I do need to have my good credit corrected, this action is fradulent. More Details : I signed a lease agreement in XXXX, XXXX months in advance per agent " promotion '', however, my lease would start only in XXXX. In this case never happened. XXXX, I requested a cancelation of my agreement, I was denied. I notified XXXX XXXX XXXX XXXX, by XXXX and email, both. XXXX, I asked the agent if the unit could be shown to someone interested, i was quickly dismissed. The agent didn't not want to show the unit, I later found out it was already rented. HELP! HELP! HELP!
09/22/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 75219	Web
I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. Item # 1 : I dispute Fair Collections & Outsource Balance {$7800.00}, this is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. Thank you for your prompt attention in this matter. Respectfully, XXXX XXXX XXXX
06/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	NV 890XX	Web	Servicemember
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.
08/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 79938	Web
I have been disputing this account for over a year and nothing has been resolved. PER 17 CFR 248.7 by law, Fair collections & outsourcing and XXXX were suppose to have sent me an opted out letter before putting any information on my consumer report, and they never did .They have been reporting fraudulent information on my consumer report I have sent in police reports and ftc reports and they continue to report illegally to my consumer report. Due to the privacy act of XXXX it is very illegal to obtain my information without notifying me first, I have no knowledge of this account i have no knowledge of who these person are. I have never given this company my information and the way my information was obtain is a privacy act of XXXX concern. Per this federal law 17 CFR 248.7 I am opting out of this company reporting information to my consumer report. I do not want my information in their system due to the privacy act of XXXX. According to 15 USC 1681C-2 They have 4 days by law to remove the information from my consumer report I have sent them an opted out letter last month at this time both companies it is now willful noncompliance 15 USC 1681n .
11/29/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX XXXXX	Web
Throughout the month of XX/XX/XXXX, I applied for several apartments because my children and I needed to get our own place, but our applications kept getting denied due to our rental history. We haven't lived anywhere in many years, except with family, due to a major illness that I acquired about 5 years ago. So the last place I applied to, I asked, and they informed me of the place it came from. Per XXXX Rental history, it stated that owed money from a place I rented back in XXXX. It also had the address listed. The information is incorrect. I've reached out to all XXXX credit bureaus. disputed and also the company that does the rental history for XXXX ( XXXX ) to inform them that this info was incorrect, but it has not changed and is still listed on my report and not allowing me to obtain housing. When I left the listed address, I didn't owe anything. I've provided XXXX 's to verify that the address was too old to be on this report. My credit reports say {$570.00}, but my Rental history report says {$570.00}. I want all of it to be removed as soon as possible. If I'm correct, conflicting information should be removed. Am I not correct?
04/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32829	Web
There are multiple accounts on my credit report that are either inaccurate or just all and all not my account. I have filed and submitted police reports stating that these account were either fraudulently opened by someone else in my name or the dates and amounts are inaccurate. Here below are the account holders along with dates and amounts that are inaccurate which I have tried to resolve with said supporting facts and reports. ' {$2000.00}, {$1100.00}, {$610.00}, {$410.00}, {$1700.00}, {$340.00}, {$390.00}, {$240.00}, {$410.00}, {$610.00}, {$770.00}, {$300.00}, {$8700.00}, {$780.00} XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. ALL of the accounts that have been constantly negatively effecting my credit are inaccurate. I have disputing with the original creditors as well as collection agency. I have also disputed with XXXX, XXXX, and XXXX. I have provided supporting documents such as police reports and proof that these are not mine, yet they are still negatively reporting. These need to be taken care of as this is putting me in a financial hardship.
09/12/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	AZ 85298	Web
I moved out of an apartment in XX/XX/2020 ( under Covid regulations ) and completed a walk through with the management who informed me I had a XXXX balance. I received a letter from the apartment a week later confirming my XXXX balance. XXXX months later the apartment changed management and new management stated they sent me the letter and XXXX balanced my account on accident. They now state I owe XXXX. I informed them that my account had been settled and verified the letter they sent. They confirmed they sent the letter. XXXX XXXX, XXXX XXXX ( the apartment ) sent the account to collections. I notified the collection agency that the debt was not valid and sent them documentation. They confirmed they received and said that XXXX XXXX told them the letter was a " mistake ''. ( they do confirm they have the letter ) Collection agency ( Fair Collections and Outsourcing ) then asked me to send more documentation. I already sent the XXXX balance letter. Just because a company decides to change their mind later after declaring a XXXX balance does not validate the debt. This is fraudulent at this point as I do not owe the debt.
12/20/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NC 27520	Web
I pulled my annual credit report from in XXXX of XXXX. I noticed a debt in the name of Fair Collections and Outsourcing listing an account for a previous apartment complex that I used to live in by the name of XXXX XXXX XXXX. I instantly knew the figures listed were inaccurate and the information being reported on my credit report from this account were inaccurate. I contacted them by phone in that same week and requested to have something mailed to me to validate the debt. Nothing was ever received at this point I went ahead and had a third party company XXXX XXXX XXXX dispute the debt on my behalf on XX/XX/XXXX. It was then deleted from my XXXX credit report but nothing was done for XXXX or XXXX. At this point I am still waiting to receive something showing validity of the debt. Back on XX/XX/XXXX I filed another dispute this time directly with XXXX and they claimed it was verified but again nothing was sent to me in writing. This mark on my credit has caused me anxiety and anguish and I have even been rejected additional credit because of this unverified account. Why are they not willing to furnish the proof of this debt?
10/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	VA XXXXX	Web
To who it may concern : In XXXX 2016, I submitted a employment background investigation, and was informed I had collection accounts on my credit report. To my surprise, I was un aware of this debt, nor did I receive notice from the collection agency. Even to this day, I make them send things via email, because I do not receive mail. I immediately contact the agency to make payment arrangements and paying right away. Previous, I spent a year address things on my credit report. There should n't have been anything outstanding or negative. I was in dispute of the debt, however had to clear debt to complete clearance. Now, that I am down to the final payment of the debt, I was informed by XXXX of the credit reporting agency to have the debt removed it would have to come for the collection agency. I am requesting to have this debt removed because I was not contacted and given time to dispute this debt. It is impacting my negatively. Preventing me from being able to provide essential living things for my daughter and myself. The collection agency does report when payments are made, I have to continuously call in. Thanks in advance.
10/20/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 300XX	Web
ON XX/XX/XXXX I REQUESTED Please delete this account for violation because date last of active has been illegally re-aged and shows three different dates across XXXX, XXXX, XXXX. Please delete lts ' this account for inaccuracy because the account status say paid but the payment says collection. please do not correct but remove this account. Please remove this account because the creditor failed to notify consumer of dispute and did not update that they actually performed and investigation. Please remove this account immediately THIS CREDITOR HAS ILLEGALLY REAGED MY CREDIT REPORT ON XXXX AND XXXX BY ONE YEAR!!!! THIS IS A FCRA VIOLATION. THE CREDITOR NEVER UPDATED OR SENT THE RESULTS OF THE INVESTIGATION. I PAID THIS ACCOUNT AND THE CREDITOR STATED THEY OULD PAY TO DELETE!!!! PLEASE REMOVE THIS ACCOUNT FOR VIOLATIONS I HAVE SUBMITED SEVERAL LETTERS NO REPSONSE FROM THE CREDITOR OR BUREAU ON XX/XX/XXXX I REQUESTED I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.
06/15/2022	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 44221	Web
There is a collection from XXXX XXXX XXXX claiming that I owe {$720.00}. This is a fraudulent attempt to collect a debt and nothing but a retaliation from XXXX XXXX from XXXX XXXX XXXX. We did not have a good relationship due to his discrimination against me and the primary owner of the apartment. I was the secondary applicant and somehow it is still reflected on my XXXX even though it was removed completely from the primary person 's account. After they removed it from their XXXX they somehow moved it to the primary holder 's XXXX which is ridiculous. They claimed we moved out XX/XX/XXXX which is false. The company has no proof we owe any amount and needs to be removed. Also, when contacting the county courts in which the company is located they claim that the 3 day notice from retaliation that XXXX gave us was not on file. Again, XXXX was acting only off of retaliation and did not give us time to explain our side of story. Also, XXXX forcefully towed one of my vehicles intentionally due to discrimination. When calling the XXXX and speaking to manager XXXX XXXX he was very rude and did not give any validation of the debt.
02/12/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 49006	Web
I received a debt collection from FCO XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX # XXXX Acct # XXXX for XXXX on the XXXX XXXX XXXX XXXX for {$170.00} I called XXXX credit bureau and they said, " This is wierd, they only have a name and address, nothing else!. They removed it from my credit report. I tried calling the company and spoke to XXXX ; it is for an apt . complex in XXXX florida ( XXXX XXXX XXXX ) .It occured on XX/XX/2015. Apparently someone tried to rent an apt using pieces of my information. the fee is for application, administrative fee, and NSF.I asked for documentation from the apt . community ; what proof of ID, etc. Since I refuse to give them even my phone number ; I was to call them back a few days later. I then got XXXX XXXX ; he refused to look into the information unless I provided my soc. sec. # and b/d. I said no way XXXX! I explained they didn't have the real info when they attempted to put it on my credit report ; I asked what have you done to verify anything. I get real annoyed when someone gets sneaky with my information. I have never bounced a check, paid a bill late, and have excellent credit!
10/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 117XX	Web
On XXXX/XXXX/XXXX a Stipulation of settlement was ordered by the XXXX country court in the amount of {$14000.00} and {$7400.00} both amounts were paid in full and the premises was cleared as per the order on XXXX/XXXX/XXXX. I have spoken to XXXX XXXX XXXX and XXXX XXXX XXXX at XXXX numerous times. Conversations started on XXXX XXXX and ended with no resolution on XXXX XXXX despite me sending him all the papers and documents that he has requested. XXXX XXXX at FCO promised to contact XXXX XXXX to resolve this matter. On XXXX XXXX I spoke to XXXX XXXX and he informed me that they did not reach out to XXXX XXXX and the compliance officer at FCO determines if I owe money or not. On XXXX XXXX, XXXX XXXX XXXX stated that the compliance officer at FCO determined that I still owe the money despite the Stipulation of Settlement or any of the prove that was sent to him since XXXX XXXX. According to the law it states that if Stipulation of Settlement is signed by the judge and conditions were met and paid off in full XXXX XXXX or any other collection agency has no right to go back and charge extra charges or send to collection.
04/04/2023	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	CA 94109	Web
Good day, Please note the below story for why I left my apartment XXXX month early in 2020. The XXXX send me a letter and negatively dropped my credit that same year ( 2020 ) and I challenged it and they resolved it. Now 3 years later and I am receiving the same letters despite attempts to challenge again. - Sending a Debt Collector breaks The COVID-19 Tenant Relief Act ( SB 91 ) in California as I am within this right at the time I departed my apartment. The story : - I have moved out of my apartment ( XXXX XXXX ) at the beginning of Covid due to being furloughed from my job. - I moved out XXXX month early, and it was agreed upon with XXXX XXXX that my security deposit and my Pet deposit would be forfeited and I would not be responsible for the lease being broken slightly early. - A few months after this, my credit score dropped a large amount which I instantly challenged with the above reasoning. - This was investigated and removed from my credit score and my credit returned to where it was previously. - Now, 3 years later, I am doing the same thing again. This was resolved and in 2020. Thank You, XXXX
06/22/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	FL 33928	Web
Fair Collections & Outsourcing , Inc. is reporting a debt to XXXX and other credit reporting companies that is false. They claim I owe rent to XXXX XXXX for renting a apartment from XXXX in XXXX XXXX Iowa. I did rent an apartment for a year lease from XX/XX/XXXX thru XX/XX/XXXX. I was transferred a few months later and worked with XXXX XXXX to sublease the apartment. I paid rent thru XX/XX/XXXX. The apartment was sublet XX/XX/XXXX for the remainder of the lease. When checking out I was told I owe no further monies because the apartment was sub-let. XXXX XXXX now claims I owe them a sum of money. They never contacted me. XXXX XXXX must have sold the supposed debt to Fair Collections & Outsourcing , Inc. Who has reported this to XXXX and other credit reporting companies. I 've called the corporate head quarters of XXXX XXXX to be told I have to work with Fair Collection. I 've made several attempts with Fair Collection to clear up the misunderstanding including sending them the attached Resident ledger and they refuse to remove the bogus claim. FCO address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX.
09/17/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92562	Web
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.
12/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78626	Web
XXXX XXXX and XXXX at XXXX attempted to collect a cleaning fee on my apartment after I moved it. They send over a large bill with itemized selections for what all they had to do. I noticed that they had no line item for my security deposit, which, per the leasing agreement, was to be applied before I was charged for anything. I instructed them to please apply the security deposit to the bill and then mail me the remainder of my deposit. I was told they would review my case and contact me when the review was completed. I received one more email stating that they had reviewed and I still owed - nothing was said about my security deposit and I still have not rec 'd it. I replied, telling them this, and that once they could show me where my security deposit was, we could proceed. I never heard from them again. I have just rec 'd mail from a debt collection stating that the property sold the amount owed, and that I would have a collections on my credit report if I didn't pay. XXXX XXXX and XXXX made no attempt to notify me that my debt was going to be sold. They still have not provided me my security deposit.
11/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	NC 28412	Web	Older American
In order not to repeat what I just filed with you last month I am reporting that XXXX states it is finished with the update. The update is not correcting the problems listed under Case # XXXX and XXXX which describes in detail the problems that need to be corrected. XXXX are reporting that XXXX was a negative item. This is completely untrue. The car ( XXXX XXXX ) was paid off early and no balance id due. Why is that negative??? In addition, they report XXXX XXXX as negative and the three months I was late was already explained and XXXX XXXX provided a letter of satisfaction that nothing is due. The three months in question was due to my XXXX and staying with my daughter- my mail did not get forwarded and I was recovering from XXXX XXXX. This is not a problem for XXXX XXXX XXXX is making it a problem for themselves!!! These must be cleared from my credit report- XXXX have malicious intent and are targeting me- it is a form of discrimination and if these are not removed which is the appropriate action then they will be sued for the damages they have caused and are still causing over a long time period.
12/28/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 303XX	Web
I have dispute several account with XXXX and I submitted complaints regarding several creditors on my credit profile. Ive submitted documents such as police report and court documents. These companies are still reporting negative on my credit profile which have caused me to to be denied for numerous of credit opportunities. Listed below you will find the complaint number from CFPB and the creditors listed. I would like these issues to be resolved immediately and not just a statement of investigation, There have been Several investigations and no results. I would like for XXXX and the companies listed to uploaded all supporting documents, regarding these debts listed on my credit profile. Otherwise, I would like to request a full investigation from the FTC. This have affected my life tremendously. Need Help ASAP!!!! Thank you, CFPB Complaint number with the documents attached : XXXX Companies Listed on the credit profile : - XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX : {$7900.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$170.00} XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX : {$170.00}
12/12/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	DC 20019	Web	Servicemember
In accordance with 15 USC 1692b ( 2 ) Fair Collections & Outsourcing has violated my rights by sending me a letter stating in the context this is an attempt to collect a debt this considered a violation. For this violation 15 USC 1692k states any actual damages sustained by the consumer. I have suffered financial and psychological damages from this company violating me. In accordance with 15 USC 1692b ( 5 ) Fair Collections & Outsourcing has violated my rights by sending me a letter with a symbol within the context indicated there in the business of collecting a debt. This considered a violation. 15 USC 1692k States any actual damage or {$1000.00} dollars fine. In accordance with 15 USC 1692jFair Collections & Outsourcing has violated my rights by furnishing deceptive forms attempting or collect an alleged debt. This company has not validated this debt. Fair Collections did not sent the proper documents to validate this alleged debt. I asked this company to send the method of verification also my wet ink signature. P.S. This Collections is NOT Licensed to collect any debt in Washington XXXX DC.
10/16/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	SD 570XX	Web
I XXXX XXXX was trying to reside at the alfalfa residence in XXXX XXXX back in XX/XX/XXXX till about XX/XX/XXXX. I did not sign no lease and I ONLY signed a document stating that I was EMPLOYED to be able to move in the room upstairs as a roommate. I was pretty much taking over for the last roommate that had moved out. During the end of XX/XX/XXXX I decided not to live there anymore due to because there was a wife and a husband living downstairs that were going through a divorce and I could no longer live in the disfunction of theyre verbal XXXX to one another. There was no lease that stated it was a XXXX month or if it was a 12 month lease. XXXX who was the main tenant who had rented the house for several of years. Did ask me if I want to to sign for a 12 month lease after the contract was up the beginning of XX/XX/XXXX. I had told him that I would think about it. Therefore I am not responsible for whatever debt they are saying that I owe. This was now just put on my credit report of this year ( XXXX ) when this happened almost 4 years ago. I would like to file this action against me as fraud
01/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75038	Web
This letter is being sent to you in response to the account furnished in my Report. When asked, your office replied that the dispute regarding the validity of the debt is not raised within the prescribed time period therefore, the same is furnished in your Report. According to 15 USC 1692a. ( 5 ) The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. Further according to 15 USC g. ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer Therefore, I would like to inform you that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I further request you to kindly remove this alleged debt from my Report Thank you for your cooperation Sincerely XXXX XXXX
11/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OR XXXXX	Web
The personal identities of my wife and I, which we had entered on our rental application to the XXXX at XXXX XXXX XXXX XXXX, XXXX, VA XXXX, including our names, birth dates and social security numbers and other confidential personal information, have been fraudulently misused by the XXXX. For example, the XXXX secretly took money from my wife 's XXXX bank account. This unauthorized charge was accidently discovered when reviewing another transaction. After conducting a full investigation, the XXXX bank fraud investigators concluded that this was financial fraud, unauthorized charge, theft, etc. and reinstated the full amount that the XXXX had unlawfully taken out of my wife 's bank account. Undeterred, the XXXX has proceeded to report the same fraud amount as late, unpaid charges to the credit agencies against my identity using my personal identity and credit information. Worse, the XXXX collection agency '' FCO, had the gall to call and ask us to send them a " small nominal fee '' in order to make our banking and credit nightmares that they are unlawfully creating against us to disappear.
10/24/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	AL 35805	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX to sue and sue me of their mishandling of payment. The apartment complex and Fair Collections & Out has added derogatory information to my credit report. The apartment claims that I owe XXXX. I have EMAILS from the apartment complex stating that my original bill was XXXX, then it was XXXX, then XXXX. It is now being reported as {$5200.00} The company LOST the money orders I sent to them to pay this balance. I have EMAILS stating that they were not able to find the money I gave to them. The staff offered to 'discount ' fees if I paid again and/or set up a payment plan. I should not be held accountable for their lack of procedure. I should not be held accountable for the possible fraudulent act of the employees at XXXX XXXX XXXX I want this information removed from my credit report immediately. In addition to this derogatory and FALSE information added to my credit report ; note that Fair Collections & Out never sent me a letter to dispute or a Debt Validation Letter. If this is stated as an EVICTION on any court records I want it expunged.
04/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76131	Web
On XX/XX/XXXX I received monitor alert for things that I have no knowledge for or have applied for. All three credit reports reflected XXXX XXXX XXXX with a date of fraud starting XX/XX/XXXX with a total fraudulent amount of {$5200.00} which is now being collected by a company called Fair Collections and Outsourcing. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I contacted XXXX XXXX, XXXX, and XXXX with dispute letters stating I reside in the state of Texas at my current address since XX/XX/XXXX. I do not live in Illinois. I sent my identification with my signature and my proof of address. I contacted them about fraudulent accounts being on my credit report as well as XXXX XXXX XXXX and Fair Collections and Outsourcing that someone obtained an apartment in my name and I wanted this unauthorized account to be deleted. As of XX/XX/XXXX the {$5200.00} is still reporting on my credit report. This has not been removed. I have proven this is not me and I am not getting any assistance to remove these fraudulent items from my credit reports which is hurting my credit.
07/28/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 334XX	Web
I rented an apartment from XXXX XXXX XXXX in XXXX. Upon moving out in XX/XX/XXXX, XXXX XXXX refunded my security deposit and confirmed there was no balance on my account. In XXXX, XXXX XXXX XXXX falsely made up charges on my account and never attempted to contact or notify me of these false charges. Fair Collections & Outsourcing contacted me circa XX/XX/XXXX and indicated that they were engaged to collect this alleged debt on behalf of XXXX XXXX XXXX. Throughout XXXX & XX/XX/XXXX, I had multiple conversations and correspondence with Fair Collections and XXXX XXXX explaining that this was a false debt ( either a mistake or nefarious action by XXXX XXXX XXXX ). In conversations, representatives from both Fair Collections and XXXX XXXX agreed to the facts and circumstances of this case and that this was a false debt. Despite this, Fair Collections and XXXX XXXX continue to attempt to collect on this false debt. This is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), as it is a false representation of the character, amount, or legal status of any debt.
11/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85353	Web	Servicemember
I called the XXXX collection agency about a collection that was on my report I advised them that this account should not be in collections because I was on XXXX XXXX and had got orders to move and had to leave my apartment I did give the apartment a copy of my move orders but they still sent me to collections with out telling me what it was for I asked about disputing it and basically was told it was on my credit report and I would need to pay it it I asked about my options and was told I could make a payment, I was advised that I could settle the account or pay in full the difference was if I settled it would show settled for less on my credit report and if I paid in full then it would be deleted, I went online on XX/XX/2020 and paid the balance in full. the account is still on my credit report as of today and I called on XX/XX/2020 and spoke with a manger and he said he would get back to me and never did and he did not correct the account, I payed the balance in full because of the deletion agreement he said once the payment cleared the account would be removed in 30 days
09/05/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DC XXXXX	Web
My complaint is about XXXX XXXX XXXX XXXX XXXX XXXX ( a collection agency ). For about 3 years I 've disputed 2 items they are entering into MOST ALL consumer reporting agencies in the U.S. ; namely the 3 major credit reporting agencies and tenant screening consumer reporting agencies. The 2 items I 've disputed myself and through an attorney are as follows : 1. XXXX 2. XXXX XXXX XXXX. The above items are NOT MINE! Even though they are NOT MINE, I 've proffered an " Offer in Compromise '' in order to remove these items from ; a ). the 3 national consumer credit reporting agencies - XXXX XXXX and XXXX, and b ). from all tenant screening consumer reporting agencies. At this juncture, I 've rescinded any offer in compromise as FCO refuses to remove them. I believe this violates my protections under the FCRA, FDCA, and because it is more than 3 years old and outside the statute of limitations for DC denies me fair access to housing in the District of Columbia. I want the 2 above items REMOVED IMMEDIATELY w/WRITTEN CONFIRMATION from ALL consumer reporting agencies in the U.S.
10/30/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OH 45324	Web	Servicemember
On XX/XX/2018 I signed a 12-month lease with XXXX XXXX XXXX XXXX. On XX/XX/2018 my cosigner went to the leasing office to pay the pro-rated last months rent of {$700.00} to cover the remainder of the lease obligation through XX/XX/2018 as instructed by the leasing agent. He was assured that this amount would satisfy the account. On XX/XX/2018 I vacated the property and returned keys to XXXX. XXXX checked our file, assured me that my account was satisfied and that I would be receiving my deposit back by mail. She confirmed our forwarding contact information was correct and I left. On XX/XX/2018 I received a letter from Fair Collections and Outsourcing attempting to collect a debt on behalf of XXXX XXXX XXXX XXXXXXXX in the amount of {$150.00}. This is the first time I have been contacted regarding any debt owed to XXXX XXXX XXXX XXXXXXXX. I have not received any notice either by phone or written by post or email regarding any debt much less a delinquency. The letter did not give any detail or itemization of charges, nor have not received my deposit as promised by XXXX.
12/20/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 324XX	Web
On XX/XX/18 a Validation of Debt request was sent to Fair Collections & Outsourcing on a debt they were attempting to collect for {$11000.00}. On XX/XX/18 an official dispute was mailed to Fair Collections regarding the same debt identified on behalf of XXXX XXXX XXXX in XXXX XXXX On XX/XX/18 a representative contacted our offices requesting an Identity Theft Affidavit which was immediately provided. On XX/XX/18, the Fair Collections representative advised the collection account was " on hold '' pending XXXX XXXX 's re-investigation ( and trust me, they have ALL of the needed documents too ). As of today, the account is now being reported to our client 's credit histories in clear violation of the Fair Debt Collections Practices Act. Fair Collections was previously in violation of the FDCPA when they reported a second fraudulent lease through another apartment community, in spite of receipt of all fraud documents, pending their re-investigation. This second account has now been cleared by the apartment community and reportedly removed from our client 's credit history.
12/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MA 027XX	Web
I left an apartment and landlord XXXX XXXX is trying to get me to pay for painting and exc.as we found out while we were there that when we leave they will sue us for doing upkeep that a landlord should do after each tenant we lived there for 4 or 5 years anyway I have never had a judgement against me in this matter never seen a courtroom this is a landlord dispute that I refuse to pay.They tried to make us pay before and didn't succeed we had a lawer that handled the case so they dropped it .So we payed what rent we owed and left .then like 4 or so months go by and I'm getting a letter from a different collection agency I told them what happened and told them I'll see you in court.This is what they do if you look at court records on people that leave there always gets sued for renovation cost.I refuse so I haven't herd anything then I see a derogatory on my report from them.This was NOT a loan or credit card. No judgment against me so they are trying to collect for this another way so they don't have to see a courtroom this is bogus Please help me.Thank you XXXX XXXX
05/30/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MA 020XX	Web
Fair Collections & Outsourcing, known as FCO. FCO had previously tried to collect an amount of {$220.00} from me without proof. That amount has changed to {$76.00} still without proof of that amount being correct. I have requested validation of debt from FCO several times now at least 4. They have refused to send it. Validation of debt had also been requested in XXXX, XXXX and again in XXXX and FCO failed to provide it each time. FCO has sent a notice of the debt to each of the consumer reporting agency, the notice of the debt must be removed since they did not provide validation of the debt. FCO has NOT shown they have the right to collect the ALLEGED debt. FCO has NOT shown the ALLEGED debt is mine. FCO has NOT shown the amount is accurate. In fact, I have documentation proving that the amount is not accurate. So, I don't know how they could possibly claim they have proven it to be accurate. XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX of FCO have repeatedly failed to follow federal law, as outlined in the The Fair Debt Collection Practices Act ( FDCPA ).
04/13/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33065	Web
ACCOUNT NAME XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) Account # : XXXX ACCOUNT NAME XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
08/02/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 294XX	Web
In XX/XX/2021, my wife and I were given a move out balance owed by XXXX XXXX XXXX XXXX XXXX. We paid the balance, moved out, and were never notified of owing any additional amount. 6 months later, we were contacted by Fair Collections & Outsourcing claiming we owed {$100.00} and this amount was instantly reported negatively on our credit reports without us having a chance to pay or dispute. The debt was never verified or explained what it was even for, but we were deceived into paying it as a settlement under the belief that this would result in it being deleted/removed from our credit report due to misleading statements by Fair Collections & Outsourcing. We have attempted to dispute it multiple times, but only XXXX has given us a fair dispute and removed it from our credit reports, XXXX and XXXX just believe whatever Fair Collections & Outsourcing tells them even though there is no proof for them to have allegedly verified. Fair Collections & Outsourcing has ignored the issue and any communication as they continue to pillage erroneous collections illegally.
09/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77054	Web
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
08/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OK 748XX	Web
We ended our lease with notice because of an attempted child napping by XXXX Ex Husband. Case # XXXX XXXX police provided panic buttons to us and the leasing office people. We had to stay for court and convict XXXX XXXX XXXX before we were free to leave the area. We decided to return to Oklahoma XXXX area. XXXX had a VPO in force against XXXX XXXX. XXXX and I decided to try buying instead of renting and were shocked to find XXXX had placed information on our credit reports that is FALSE, claiming we owe {$5900.00}!! There are XXXX Collection agencies putting false information on our reports so it is on 2 times!! The XXXX collectors are actually the same. They WERE XXXX XXXX XXXX and changed to Fair Collections and Outsourcing " FCO '' or XXXX XXXX XXXX. When FCO was contacted by the XXXX XXXX they added XXXX as a collector for XXXX XXXX because their address is here in Oklahoma XXXX. I have contacted XXXX XXXX and disputed the debt but the creditor shows the lease. Fact is, XXXX XXXX never returned out deposit!! So, they owe us {$1300.00} plus interest!!
04/26/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	AZ 85027	Web	Servicemember
On XX/XX/XXXX I received correspondence from Collections company XXXX regarding a debt in the the amount of {$10000.00} for a rental property. I ask them to validate the debt, in which they failed to do so. they could not provide a breakdown of the balance. Advise them verbally to cease and desist all communication until debt is validated. On XX/XX/XXXX they called from XXXX, On XX/XX/XXXX called from XXXX, on XX/XX/XXXX called from XXXX this time XXXX left a message. I asked her during that call to please once again validate the debt. She stated a ledger was sent and i advise her it showed a bunch of fees but nothing that would make $ XXXX sense and that it stated XX/XX/XXXX as the start of charges and i advise her XX/XX/XXXX we were out the home so make it make sense. She stated she would research and notate I was still disputing the debt. Final call from them was on XX/XX/XXXX. they failed to cease and desist communication. They failed to accurately validate the debt and placed this my credit, my husband credit and my mothers credit with our consent.
06/22/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC 27520	Web
I broke my lease 4 months early on XX/XX/XXXX due to medical issues. I did advise the rental community of this decision and was aware that I would have to pay a buyout fee. I was then billed by Fair Collections and Outsourcing for a balance signifanctly higher then I was originally quoted. I received a notice advising me that I owed a balance of XXXX to satisfy the delinquency. Upon receiving copies of the rental agreement ( requested by mail ) I found a host of errors which caused the balance to be inflated. I left the residence XX/XX/XXXX, however I was still being charged for XX/XX/XXXX rent. I also saw a bill for the a/c stat damage. This was already an ongoing issue prior to me moving in and I informed leasing office of this. Lastly I noticed I was being charged for a washer and dryer that I never owned. Nowhere in my lease does it state I was going to be charged {$49.00} for something I never had. I spoke with a representative and requested a copy of my lease which indicated that was something in the contract. I have yet to receive it to this day.
07/28/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90004	Web
XXXX XXXX sent me to collections in XXXX 2017 over a debt due to ID theft. I have since had that collections account and all credit issues resolved through my own efforts, but on XXXX XXXX, 2017 I sent XXXX an email and hard copy letter with a " Request for Records Pursuant to Section 609 ( e ) of the Fair Credit Reporting Act '' in order to receive any and all documents related to my case, in hopes of figuring out who stole my identity and how they did so. XXXX XXXX of XXXX fully acknowledged receipt of this notice and numerous occasions ( including in writing ). Since that date, no one at XXXX has contacted me or given me any indication they plan to comply with the law and providing me the documents as required by law. It has been over 30 days and XXXX is in violation so I am now filing a full compliant. The debt collections company they sent the debt to was " Fair Collections & Outsourcing '' but they are not the company in violation or the company I am filing the complaint about. It is only XXXX XXXX that is in violation and is withholding documents.
08/11/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 23455	Web
On XX/XX/XXXX, Fair Credit Outsourcing ( FCO ) sent me a letter stating that my account had been referred to their agency for collection. On XX/XX/XXXX, I sent a letter to FCO disputing the debt as inaccurate and unverifiable. FCO responded by letter dated XX/XX/XXXX with a statement from XXXX XXXX at XXXX XXXX, XXXX XXXX XXXX XXXX creditor ) stating that I owed balance at move out {$1100.00}, ( less a {$200.00} deposit ) for fees owed through XX/XX/XXXX. The final account statement under balance due states " see itemized listing of work '', XXXX there is no list attached XXXX and no signature for manager. On XX/XX/XXXX, FCO sent me another letter stating that your account as already or is scheduled to be referred to the 3 credit bureaus as derogatory information. I have attached a copy of a cashier 's check dated XX/XX/XXXX paid to XXXX XXXX in the amount of {$1700.00}, for the final payment owed on this account. I am requesting that the CFPB investigate this complaint and delete the inaccurate and false information from my credit file immediately.
02/22/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78109	Web
Haven't responded to my letter requesting Verification. I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ) ; Uniform Commerical Codes, Federal Fair Credit Reporting Act, and Pennsylvania State Statues for Lawful Purposes. 3. A copy of the contract signed by both parties and therefore binding both parties. 4 .Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. 5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under The Money Laundering Regulations 2007 and what actions s/he has taken in relation to this account.
03/05/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CT 06033	Web
Fair Collections & Outsourcing This company blatantly disregarded valid disputes that I submitted to their company. They only care about getting paid and not researching the inaccuracies I pointed out. I was treated rudely and this company does not care about the victims they collect upon in any capacity. This company is collecting on a Apartment Lease that I have pointed out several flaws in the original contract and sent them a letter requesting that they investigate on XX/XX/2021, till this date I have yet to see any response and I even called them and they confirmed that they received the letter. Yet I still can not get approved for my mortgage without their company falsely pursuiting a debt that should not have been owed in the first place. They took my Security Deposit away from me under false pretense that I broke the lease. I followed the contract requirements for the complex to its entirety and then they default my security deposit and charge me additionally? If this collection company did any research they would see I am a victim here.
12/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OH 43220	Web
I have a a unverified account from FAIR COLLECTIONS & OUTSOURCING. I had previously disputed this account. I have never done business with FAIR COLLECTIONS & OUTSOURCING # XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that FAIR COLLECTIONS & OUTSOURCING Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that FAIR COLLECTIONS & OUTSOURCING Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
03/27/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 08901	Web
This creditor continue to send XXXX that they verified the account as accurate. Where are these supporting documents I want to see the documents they are using to verify these fraud accounts as belonging to me? This accounts do not belong to me and I had already placed a fraud alert on my credit report. XXXX and XXXX have removed these fraud accounts and XXXX continue to investigate with out showing me valid documentation from the investigation. From my understandin you are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct If you do not have valid documentation by law you can't file such collections on my report. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. ( With Valid documentation )
07/06/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30038	Web
I contacted FCO on XX/XX/XXXX in an attempted to settle my account. In speaking with them, they refused to negotiate a settlement with me. On a previous date, FCO contacted me and stated if I paid 40 % of the balance then it would settle my account. I asked if they would allow me to pay-to-delete and advised they would not. However they stated " it would be good for my credit '' if I pay the balance anyway and have it shown as 'paid '. They advised they would not delete and this was my only option. I spoke with the on XX/XX/XXXX and was advised now I would have to pay 80 % of the debt now and the previous offer had expired in XXXX. The personnel advised I missed the final time for that option in XX/XX/XXXX and now I would have to pay 80 %. She advised they will still not delete the debt even if I made the payment. I explained that Im currently in the process of buying a home but cant get approved due to this account. At this point, this company is causing me Financial Damages. My ask is for the CFPB to assist me with resolving this dispute.
07/17/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA XXXXX	Web
This company reported on my credit without first sending me a notification in the mail or giving me a chance to validate or dispute. I didn't find out until it had already been on there for over 6 months. I send a dispute to all 3 credit bureaus, it came back verified. So I requested a Debt Validation from the collection agency. They were not able to properly validate that the balance was accurate, that the contract was accurate or that they owned the debt. But they still kept it on my credit. I've now disputed it with the credit bureaus 4+ times and disputed it directly with the collector 4+ times and nothing has been resolved. I do not owe any debt, this is for an apartment that I moved out of and I paid in full. Any additional charges are not charges that are legally able to be charged or that can be shown to be 100 % accurate. They are charging interest on a debt that isn't even owed, how is this legal or possible? I was denied for a home loan and for a rental property because of this inaccuracy. This is willful non-compliance.
01/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85286	Web
I have a claim in progress but also wanted to report the company representing XXXX XXXX at XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX with XXXX XXXX at XXXX XXXX XXXX is reporting false information to the credit bureaus. The XXXX at XXXX XXXX XXXX send us a final bill for our apartment so we paid the full amount on XX/XX/2015. We received confirmation from the manger on duty to let us know that our account was closed and no further payments or requirements were required from us. However, I recently checked my credit report and I noticed that XXXX XXXX XXXX XXXX XXXX with XXXX XXXX at XXXX XXXX XXXX is reporting on my account as a collection in the same amount of {$550.00} that we paid for. I contacted The XXXX at XXXX XXXX XXXX to investigate the reason why I was in collections for the same about that we provided payment for. The XXXX notified us that there is nothing that they could do - that we had to resubmit the payment. I'm attaching a copy of the check dated for XX/XX/2015, bank statements, and my credit report to suppress my case.
08/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 91803	Web
I am submitting this complaint because I am being extremely affected by FAIR COLLECTIONS & OUTSOURCING, INC, they are being completely unfair and I dont know how to get ahold on them but through this portal. I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. This was related to frivolous contested debts by landlords who charged me without prior mutal agreement. the accounts been re-aged, I was excessively called despite telling the collectors not to call my phone. I told them this was not a valid debt and they not only failed to mark account as disputd, they kept on insisting that I MUST pay and there is no other option. I was told if I paid the item would be removed from my credit report, which didnt happen Account # 1 : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Type : Collection Account # 2 : XXXX Date Opened : XX/XX/XXXX. Balance : {$0.00} Account Type : Collection Solution : Deletion accounts from all credit bureaus.
07/23/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 210XX	Web
I have attempted on many occasions to have this debt deleted. FAIR COLLECTIONS & OUTSOURCING hast two debts listed on my credit report. I asked this company to verify this was my debt and they did not verify all of the requested information nor did they respond in a timely manner. I want both of these debts deleted from my credit files. I asked this company to forward details about their authority to collect this debt, whether they were licensed in my state and if so to provide the date of the license, name of the license, license number, and the name of the state agency issuing the license. They also provided my mailing address as XXXX XXXX XXXX XXXX MD. I have no idea whose address this is. I sent a certified copy of the correspondence the documented date they responded was the year XXXX. I want this information removed from my report immediately and I don't want them to have the ability to ever report it again. I am trying to get a personal loan for consolidation and this collection continues to hinder me from getting the loan.
08/30/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28326	Web
In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We did not know this because XXXX XXXX did a lipstick remodel. In the utility room there were holes in the wall. I do not owe XXXX XXXX any money. The unit was inhabitable per law due to rodents as well as due to code violation ( piping should be made flush to walls ). They wanted to put rat poisening down and rat traps down while my XXXX XXXX XXXX son was in the apartment. I spoke to them and gave the keys back to the unit and cleaned the unit prior to vacating. I didn't know this was on my credit until 4 months ago. I have since lived in a luxury apartment and purchased a home that is now rented out. I am looking to have this item removed from my credit. The debt is with fair collections and outsourcing ( FCO ). I have photos to prove the conditions my family was living in. The amount requested for collections does not reflect rent it is much higher. ( Rent was {$800.00} a month at the time ). Please help me.
04/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	GA 30092	Web	Servicemember
ON XX/XX/XXXX, I ATTEMPTED TO SUBMIT A DISPUTE TO XXXX, XXXX AND XXXX FOR THE FOLLOWING AND I WAS NOT ABLE TO. I RECEIVED MESSAGES THAT A DISPUTE WAS UNABLE TO BE PROCESSED ONLINE, HOWEVER, XXXX, XXXX AND XXXX ARE HOUSING INACCURATE INFORMATION ON MY CREDIT REPORT. FOR THE COLLECTIONS ACCOUNT FROM THE CREDITOR FAIR COLLECTIONS AND OUTSOURCING, THEY ORIGINALLY PLACED A COLLECTION ACCOUNT ON MY CREDIT REPORT ON XX/XX/XXXX AND IT HAS BEEN ON MY CREDIT REPORT FOR OVER SEVEN YEARS. IT SHOULD HAVE BEEN REMOVED ON XX/XX/XXXX BUT XXXX, XXXX, AND XXXX CONTINUE TO REPORT THIS INFORMATION ON MY CREDIT REPORT. ALSO, THE CREDITOR CONTINUES TO UPDATE THE DATE OF REPORTING IN ORDER TO KEEP THIS NEGATIVE INFORMATION ON MY CREDIT REPORT LONGER THAN SEVEN YEARS. THIS NEGATIVE INFORMATION HAS BEEN ON MY CREDIT REPORT FOR SEVEN YEARS AND DUE TO FAIR CREDIT REPORTING ACT, IT IS REQUIRED TO STAY ONLY SEVEN YEARS, THUS I AM DEMANDING AN INVESTIGATION BE DONE INTO THIS AND THIS NEGATIVE INFORMATION REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
12/07/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	DC 20002	Web
This account appears on all three of my credit reports. The next company is listed as XXXX XXXX and shows a balance of XXXX which is an incorrect balance and the account is actually payed off. It is also listed as collections but is still an open account. This appears on all three credit reports. Fair Collections and Out ( FCO ), showing a balance of XXXX which is an incorrect balance. It is listed as collections but is still an open account.The balance due has been inflated and reported as a incorrect amount for years. the balance is now {$0.00} after i confronted them about the incorrect reporting amount and status This also appears on all three credit reports. These are all derogatory entries and they should be removed immediately. There are also several inquiries on my credit report that should be removed as well. I am requesting that they provide proof that I actually applied for these companies with my legal name listed as, XXXX XXXX XXXX and if they can not provide that proof then all of those should be removed.
12/06/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	VA 23456	Web
I sent email to XXXX explaining that i was at work and my cellphone service was not working properly. I informed them by phone as well as email not to respond to or communicate back or reach out to me from that address as it is my work email address and i am not to receive messages from them. Although i do not accept responsibility for the debt, they have a phone number or address on file provided by the original company should they need to reach out. I still received emails from that email address. Thye have made me feel bullied into paying by telling me they are going to report it to the credit agency on XX/XX/22 making me feel pressured to pay a debt before i can dispute it. They also have reported conflicting information. Example, they stated that they were informed by the original debtor that an exit inspection was not completed because the key was not returned. It does not state that anywhere in the paperwork we signed we intended on moving out. Also, we have no knowledge of the claim/damages being charged.
02/14/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MO 631XX	Web
I was a resident at XXXX XXXX XXXX XXXX apartment complex in XXXX, MO. When I moved out XX/XX/XXXX I paid all applicable fees ( rent and included utilities ) and had a {$0.00} balance. XX/XX/XXXX I received a collections notice from Fair Collections and Out stating I had a debt of {$140.00} due to XXXX XXXX. I immediately called and advised this was not my debt as my balance was paid when I vacated the property to the property manager XXXX XXXX. I also made a call to XXXX XXXX XXXX XXXX and spoke with XXXX as XXXX XXXX was no longer with the company, who advised I have a {$0.00} balance and the debt was an error. Since this I have not received any collections calls but this debt is still reporting incorrectly on my credit report. I spoke with the debt collector on XX/XX/XXXX and asked to send proof that this debt belongs to me and was advised they don't do that. They only have to verify with XXXX XXXX and if they say I owe it then that is what they go by but no one can send me any proof that this debt is factual.
12/27/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AZ 857XX	Web	Servicemember
Company who sold the debt to FCO was unlawful and broke Washington state law. Pursuant to the RLTA RCW 59.18.280 we never received a formal move out statement stating the amount owed within 21 days. To date we have not received a formal move out notice after multiple requests, and this is 2.5 years later. There was no move out statement mailed which RCW 59.18.280 1b specifically states. According to the same RCW, tenant is entitled to a full refund of their deposit when this procedure has not been followed. We are requesting our full refund to be returned due to unlawful procedure on XXXX XXXX, XXXX XXXX part. We are specifically disputing unlawful practices, as this debt was never lawfully able to be sold. Our law firm has requested multiple times to show proof they followed the RCW code which both XXXX and FCO daily to deliver. This debt is completely unlawful and we are demanding that this unlawful attempts to collect a debt not owed is stopped, and our refund is initiated according to RCW 59.18.280
10/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DC 20019	Web
FAIR COLLECTIONS & OUTSOURCING has attempted to collect an alleged debt not owed. I received an alleged debt collection notice from FAIR COLLECTIONS & OUTSOURCING, INC for the amount of {$8200.00} which violated 5 federally protected consumer rights under 15 USC 1692. On XX/XX/XXXX, I mailed a Debt validation letter to FAIR COLLECTIONS & OUTSOURCING, INC requesting validation and NOT " verification '' or proof of my mailing address. Also on this date, I mailed a Cease and desist letter pursuant to 15 USC 1692c ( c ) to cease all forms of communication with me through any and all mediums. I have also sent a notarized affidavit of truth with exhibits and an invoice for the violated federal consumer rights under 15 USC 1692 which is {$1000.00} per violation. I have received a green return receipt stating that FAIR COLLECTIONS & OUTSOURCING, INC received and signed for the letters as of XX/XX/XXXX. FAIR COLLECTIONS & OUTSOURCING , INC currently has 711 consumer complaints on the CFPB as of XX/XX/XXXX.
09/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77449	Web
On XX/XX/2021, I attempted to dispute a derogatory mark on my credit report for FAIR COLLECTIONS & OUTSOURCING through the XXXX website and was unsuccessful in submitting my dispute. There was a message stating that my 'dispute submission failed '' due to the fact that I have already filed a dispute for this item. I called exprian to requested proof that this debt is valid and they instructed me to contact the creditor, which I have been unsuccessful in getting debt validation from them as well. Upon, further research, this account was transferred/ sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA, FAIR COLLECTIONS & OUTSOURCING has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
12/07/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34761	Web
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.
09/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NY 10462	Web
There is information thats on my consumer report that is inaccurate. According to The Consumer Credit Fairness Act of XXXX, which was signed into law last XXXX ; it states that ; the statue of limitations for consumer debt collection has been reduced from XXXX years to XXXX years for the State of New York. The information being reported has passed the statue of limitation time ; for this I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The account has been on my report since XX/XX/XXXX. It has been removed from XXXX, but XXXX and XXXX is still reporting the inaccuracy. The company reporting to these credit reporting agency is Fair Collections & Co which is in the amount of {$18000.00}. I have put in disputes with the credit reporting agencies with no response.
06/12/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 38134	Web
For the past 2 weeks I have been receiving harassing phone calls from Fair Collection and Outsourcing ( FCO ) regarding an alleged debt owed to XXXX XXXX XXXX XXXX XXXX XXXX. I have spoken to this agency once and informed them that I have never lived in Maryland and that they have the wrong individual. Today, XXXX XXXX, 2016. I received a collections letter in the mail informing me that I owe {$8000.00} and that I need to pay it. I have reviewed my credit report from all XXXX credit bureaus. This company has inquired about my credit via XXXX without my permission or consent. I suspect this is a scam as the company called my home and asked to speak to me but then they wanted me to give them the last XXXX digits of my social security number and/or my mailing address. I did not provide them with either. In addition, I am sending FCO a certified letter requesting validation of debt and reporting them to the fraud department at XXXX before they try to add false negative debt information to my credit.
04/26/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32825	Web
Re : Notice to Cease and Desist for Specific Activity Dear Fair Collections and Outsourcing, Due to Inaccurate information reporting on my credit report, this letter is served upon. If you do not cease the aforementioned Activity a lawsuit will be commenced against you. You have violated multiple laws as a consumer I have rights including, 15 USC 1681 ( b ) 15 USC 1692 ( c ) 15 USC 692 ( g ) 15 USC 1681i ( 5 ) If the Activity continues, I will immediately seek a temporary restraining order in the District Court against you and any accomplices in this matter. I will also seek monetary damages to be proved at trial. Hopefully, this recourse is unnecessary, as I have my interests to protect and will vigorously do so. You will not receive another warning letter. If you do not confirm in writing to me by the 26 days of XX/XX/2023 that you will cease violating our Agreement a lawsuit will be commenced immediately. ALSO THE FEDERAL TRADE OF COMISSION IS FOLLOWING THIS COMPLIAINT AS WELL.
04/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 46168	Web
I have been disputing with the 3 major credit bureau since XXXX last year I have told them numerous times that I am a victim of identity theft. XXXX is the only bureau that will not remove these collections from my credit report. XXXX XXXX and Fair collection & outsourcing have been contacted with both FTC and police report and asked them to cease all reporting and collection immediately and they still are reporting fraudulent collections to my XXXX credit report.XXXX and XXXX has already removed and ceased all reporting and collections of these two fraudulent accounts from my credit report. I have spoke to fraud department through XXXX, they have all of my information as well as the FTC and police report concerning identity theft. I am making a complaint and these accounts need to be immediately removed from the XXXX account. I have asked for debt validations from the companies and they have no actual proof of anything. I have no court documents because these account does not belong to me.
03/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WA 98028	Web
Was contacted in MidXX/XX/XXXX from the Fair Collections & Outsourcing ( FCO ) of XXXX XXXX regarding a debt owed to the XXXX XXXX XXXX at XXXX in New Jersey for he amount of {$8000.00}. I have never been to New Jersey and sent FCO a letter in XX/XX/XXXX that stated this was not my debt and to send me what proof they had. They send me an apartment lease not signed by me and a list of late payments not with my name on them. FCO then said they wanted all of my personal information to make sure they had the right person. I did not send they my personal information because that is a scam. They have since continued to mail me letters stating I own this debt to them. On XX/XX/XXXX I received a call from XXXX, a man named XXXX XXXX answered telling I owned him money and to prove it was me. I provided my name, DOB and last 4 of my SSN to him. He then provided no other information other and it was me that he wanted. I told him it is not my debt, he told me I needed to file a fraud report.
09/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33169	Web
My name is XXXX XXXX. It has been brought to my attention that XXXX I reporting inaccurate information concerning accounts listed on my consumer report. Therefore it shows inconsistency with who I am and who you portray me to be. I'm appalled and offended that you had left me with no other option but to report this behavior and offense to the Attorney General Office, The Courthouse Clerk to litigation, FTC and the XXXX. Cc I have filed a report at the Attorney General Office for fraud due to the fact of not having any written consent to furnish such information. I have no knowledge of the account or information that is on my consumer report. I am enforcing 5 calendar days for this to be resolve without any EOSCAR. I do not consent to EOSCAR. I repeat if this matter isn't resolve I will seek litigation at my county courthouse as I have been given instructions by the Attorney General to move forward and file a lawsuit. XXXX XXXX {$1300.00} 2. XXXX XXXX XXXX {$430.00} 3. Fair Collections & O
09/30/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA XXXXX	Web
A little less then 6 years ago I lived in XXXX in XXXX XXXX, ca with my roommate XXXX XXXX. When we moved out he gave them his mail forwarding address and I did n't have one at the time. We left them our {$700.00} deposit. After couple of months I received a phone call from FCO stating that me and guy owe {$590.00}. I explained them I have n't received any bills or phone calls from them and I 'm willing to pay my half and they can collect the other half from guy. They promised me that if I pay my half they wo n't report it to the credit bearus. After couple of months I saw that they did report it to my credit bearus as " settlement amount paid less then amount owed ''. If I would 've known I would 've paid them the other half too just so it wo n't be on my report. I called then and send them over 10 letters and offered to pay the other half but they 've been nothing but rude stating " it is what it is deal with it ''. Very very rude customer service they treat you like you 're a criminal.
05/19/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web
While trying to apply for a rental home, the owner made me aware of a debt to a previous apartment I used to reside. The debt amount is {$540.00}. However, its been 2 years since I moved out of XXXX Apartments and I have never received a phone call, a letter, an email, or any statement regarding this. I only found out because it appeared on my credit report pulled by a landlord of a new place I was trying to apply, which I was denied. I tried contacting XXXX Apartments to find out what the debt is for since I payed all my rent and fees on time, but their website and phone number are no longer in service. Apparently they were bought off by another company, so they don't exist anymore. The apartments have a new name and new management and when I spoke to them they didn't have me on file. Because of this I went in to check my credit report myself and it only now shows a derogatory account which was added on XX/XX/2022. This is preventing me from moving out of apartments and into a house.
08/27/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MI 48313	Web	Servicemember
I was residing in an apartment building, which I then had to request a new apartment due to multiple sanitary conditions as well as appliance and other maintenance repairs not done upon my move in date. I was then reassigned to another apartment, which was not any better. However, during this short time, I did pay for the rent while I was there. I was then called upon by XXXX different emergencies. First my XXXX was in need of full time care. I assisted her for some time until our family was able to find an appropriate agency for her needs. Second, I am a XXXX XXXX XXXX XXXX, and I was called to do a tour in XXXX. This was explained to the management of the complex. However, they replied with, wrong dates. I am respectfully requesting that this debtor be removed from my credit report. I have attempted to contact them as well as file a dispute, but I did not provide as much detail. Yet, I provided them with the medical documentation as well as a legal letter from my XXXX XXXX XXXX.
03/26/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 22201	Web
On XX/XX/2018 by wife and I received a letter from Fair Collections & Outsourcing listing a {$4500.00} balance due from XXXX XXXX at XXXX XXXX. On XX/XX/XXXX, our attorney, XXXX XXXX XXXX sent a formal letter to Fair Collections & Outsourcing disputing this debt and requesting the following 1. The amount of the alleged debt 2. The full name and mailing address of the original creditor for this alleged debt 3. Documentation showing that Fair Collections & Outsourcing verified that we are responsible for this debt 4. Documentation showing that Fair Collections & Outsourcing is licenses to collect debts in Virginia. Since we had officially disputed this debt within 30 days of being notified by the company, under the Fair Debt Collection Practices Act, Fair Collections & Outsourcing was suppose to cease collection until we received the documents requested above. Instead, they have submitted this collections notice to the three major credit bureaus with major derogatory information.
07/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30281	Web
On XX/XX/2021 I sent a letter regarding misleading and false reporting on my credit report. To this Day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it had been over 60days so they should be updated promptly. I demand these accounts be updated as stated in complaint letter immediately or I will file for litigation due to the stress you caused me. I have Attached FTC Report to document. You have failed to Provide Physical Proof of Original Application With my Signature For Validation of this Account. I Demand you to Stop Reporting this Account immediately or I will Seek litigation damages. I, XXXX XXXX gives CFPB permission to investigate on my behalf I have attached a copy of my ID and social security card for proof of identity.
09/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92058	Web	Older American, Servicemember
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.
01/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92604	Web
I respectfully ask the CFPB to fully and thoroughly investigate the fraudulent and illegal conduct committed by XXXX XXXX, a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and its lead counsel XXXX XXXX XXXX, XXXX. ( XXXX XXXX. XXXX ) and his law firm of XXXX, XXXX, XXXX XXXX XXXX XXXX, for repeated violations of the applicable law, as detailed herein and other violations as deemed proper and necessary in XXXX discretion, not only in my case, but also for any other instances of such predatory and persistent violations of the law, given the fact that XXXX is XXXX of the largest publicly traded XXXX, engaged in leasing properties to the public. Given the XXXX extent, pervasiveness, and brazen manner with which it has committed these illegal acts, clearly, my case is not the only XXXX, thus fully warranting CFPBs to open a wide ranging case of investigation into XXXX and its more than XXXX affiliated entities operations. See attached Complaint Letter and the Exhibits.
07/11/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21740	Web
FAIR COLLECTIONS & OUTSOURCING and XXXX was notified on multiple dates letting them know the said amount of {$4000.00} was not my debt. In short, I did not enter into a binding agreement with the XXXX at XXXX XXXX and on numerous occasions have requested the information be removed from the credit report. A police report was submitted and referred to as fraud. I also submitted my identification card, social etc and a binding lease where I was residing when the fraud took place. I also mentioned that if their office persists in attempting to collect this debt and does not remove this from my credit report, I will have little choice but to file for a violation for the Fair Debt Collection Practices act and its XXXX XXXX I don't want to do so and would prefer to have this matter handled amicably, but their actions are affecting my credit causing hardship and putting myself and children at risk due to domestic violence which court documents was also provided to both companies.
03/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CO 816XX	Web
I tried reaching out to an old landlord who had me in eviction status since XXXX, No money is owed I called property and they said no records found it may be on the old system? Contact the collections company in which they could not provide the number too? On my rental credit report ( XXXX ) DEFENDANT XXXX XXXX ADDRESSXXXX XXXX XXXX XXXX NC FILING DATEXX/XX/XXXX XXXX XXXX, XXXX JUDGEMENT AMOUNT NOTICE TYPESUMMARY PROCESS PLAINTIFFXXXX XXXX XXXX ( Ph. ( XXXX ) XXXX ) DISPOSITIONJUDGMENT-POSSESSION ONLY Also Fair Collections Outsourcing DEFENDANT XXXX XXXX ADDRESSXXXX XXXX XXXX XXXX NC FILING DATEXX/XX/XXXX XXXX XXXX, XXXX JUDGEMENT AMOUNT NOTICE TYPESUMMARY PROCESS PLAINTIFFXXXX XXXX XXXX XXXX ( XXXX. ( XXXX ) XXXX ) DISPOSITIONJUDGMENT-POSSESSION ONLY 2 DEFENDANT XXXX XXXX ADDRESSXXXX XXXX XXXX XXXX NC FILING DATEXXXX XXXX XXXX, XXXX JUDGEMENT AMOUNT NOTICE TYPESUMMARY PROCESS PLAINTIFFXXXX XXXX XXXX XXXX ( XXXX. ( XXXX ) XXXX ) DISPOSITION*JUDGMENT-POSSESSION ONLY
09/25/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28217	Web
I email this company with a settlement offer, they accepted gave me a due date, but would not email me a copy of the offer. I told them that the other charges from the apartment was not valid and not my responsibility, I have pictures to prove the carpet was not damaged, the carpet had a odor and roaches noticed after I moved in, did not notice the first day because they had the air conditioning on, which was odd, since it was vacant. The same apartment which is now out of business has done this to many tenants based upon their previous reviews and complaints with the BBB. They also said that I did not leave a deposit, I left a deposit and a pet deposit. I was told that I signed a lease that said I did not pay a deposit, that had to be the renewal, because unless altered the first lease showed the deposits. The Company has done a lot of illegal things. Maybe the reason no longer in business. They are asking me for {$820.00} after giving proper notice and paying {$950.00}.
10/20/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	FL 33319	Web
ACCOUNT NAME FAIR COLLECTIONS & OUT Account # XXXX XXXX XXXX Account # : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
12/09/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27612	Web
Fair Collections & Outsourcing is attempting to collect an invalid debt that is not mine from XX/XX/2016 based off of a previous apartment lease. I have tried to dispute this but FCO refuses to validate the debt correctly and claims what they have is sufficient even though there is not sufficient evidence present. XXXX XXXX attempted to collectcharges from me based on the itemized list sent to me for carpet and vinyl replacement 3 months after my lease had already expired and the apartment was already being rented to another tenant. In addition I received no letter from XXXXstating these charges until Fair Collections and Outsourcing sent me the first collection notice. Also, the document that Fair Collections & Outsourcing sent me is a copy of the lease agreement however there is no legal signature present. On the bottom of the document it states it was executed via e-signature however FCO was unable to provide me a copy of the original document with a valid signature.
11/27/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 190XX	Web
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.
08/10/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32708	Web
This debt originated with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Maryland XXXX, XXXX, XXXX, and they have either hired to collect or sold the debt to Fair Collections and Outsourcing, XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX, XXXX. I signed a three month lease starting on XX/XX/2019 through XX/XX/2019 at XXXX XXXX XXXX XXXX XXXX. Upon finishing my lease term, and having paid all deposits and rents due on time, XXXX XXXX XXXX XXXX XXXX notified me indicating that per the lease, I owed them additional months rent. However, upon closely reviewing the lease and having my attorney also review the lease, we firmly believe we met our full obligations and did not owe any additional money. My attorney sent a letter ( attached ) to XXXX XXXX XXXX XXXX XXXX stating our case, requesting they remove the bad debt from my credit report and provide me a refund of the deposit, and requested a response within 30 days. XXXX XXXX XXXX XXXX XXXX failed to respond.
05/28/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 22041	Web
I am submitting this complaint against Fair Collections And Out, at XXXX XXXX XXXX SUITE XXXX XXXX, XXXX XXXX for violation of the FDCPA and the Virginia Statute of Limitations to collect a debt. XXXX Collections And Out claims to have acquired the servicing rights for a debt that was transferred from XXXX THE INFINITY on XX/XX/2018. Prior to XXXX THE XXXX transferring that debt to Fair Collections And Out, XXXX XXXX XXXX had declared the loan to be in default. The alleged loan is past the statute of limitations to collect a debt in XXXX and Fair Collections And Out continues to send me harassing letters on a debt that has a due date of XXXX SPS claims to be the servicer of a loan in my name when : It has not participated in any servicing activity, can not produce any contract of the servicing terms between XXXX THE INFINITY and the alleged client that it claims to be servicing a loan for or produce any evidence that it paid any money on my behalf to any entity.
01/14/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	GA XXXXX	Web
The property management company of where I once lived sent my outstanding rent balance to collections. I now have a collection item on my credit report for {$5300.00}. The reason I stopped paying rent at this location -- and I disputed this in court -- was because the property management company refused to make the maintenance repairs that I requested, after countless complaints. The repairs needed began to affect mine and the other tenants ' quality of living, one tenant being a XXXX year-old child. I began the escrow process, and even after the judge and city code enforcememt ordered the property to make the repairs, they still did not. I was eventually evicted for non-payment. I was a model tenant and up until the time I stopped paying rent, I had paid my rent every month ON TIME and OVER the amount due. I am requesting to have this item removed from my report, as well as from the report of the other tenant who was on this lease, XXXX XXXX XXXX XXXX.
10/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	SC 29650	Web	Servicemember
I was forced to move out of an apartment complex due to repeated issues of non compliance by the management and owner of the building - including but not limited to mold, unlawfully towing personal vehicles, and not abiding by their terms of the lease to provide an adequate place to live. I notified the owner in writing that I would not pay one month 's rent for the partial last month I resided there - due to them breaking the lease, and the need for me to obtain proper housing for my family. I did have a deposit on this unit, and did forfeit that deposit upon move out. A collection agency ( FAIR COLLECTIONS AND OUT XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX ) has contacted me and is reporting against my credit for a balance due that I do not owe. I have contacted my local and state representatives for assistance, and filed a dispute to this collection agency, however to date they are still negatively and inaccurately reporting and collecting against me.
06/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 94580	Web
Fair Collection Outsourcing has committed multiple violations and mistakes in my credit reports. This company has damaged my financial life. They have been NEGLIGENT AND UNFAIR. Fair Collection Outsourcing has committed the following violations : The account had unsubstantiated charges, I was never billed an itemization by original creditor and not even notified about existence of debt. The account has been re-aged and creditor harassed me to collect payment. This company has also caused the following damages : {$10000.00} : failure to get mortgage, paying higher rates on loans, failure to secure funding, XXXX hardship and XXXX XXXXhrough XXXX XXXX XXXX and XXXX. Account information below : Account number : XXXX, date XXXX : XX/XX/2018, original balance : {$630.00}. THIS ACCOUNT MUST BE REMOVED FROM ALL 3 CREDIT REPORTING AGENCIES IN THE NEXT 30 DAYS. THIS IS MY DEMAND TO GET THIS CASE RESOLVED AS SOON AS POSSIBLE. See attachements. Thank you.
08/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 347XX	Web
In XX/XX/2020, I co-signed for a one-year lease for my daughters in XXXX, Virginia. The apartment 's monthly rent was {$2700.00}. My daughter 's made monthly payments with money orders from XXXX XXXX. I made sure of this. In XX/XX/2020, the complex emailed my daughters, stating that {$6300.00} was owed. This was impossible because I personally made sure that the full amount of rent was paid through money orders. If {$6300.00} ( or even close to that amount ) was owed, why were they not notified of this prior to XXXX? Wouldn't there have been some sort of eviction if any of this was accurate? My credit report is now stating that I owe {$16000.00} to the apartment 's collection agency. This is not only incorrect, but also unethical and illegal. {$6300.00} was not owed to begin with, but how could {$16000.00} be owed now? Upon checking the apartments current XXXX reviews, they are known to " lose '' money that their tenants place in their drop box.
10/23/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 195XX	Web
XXXX client, XXXX XXXX is a victim of identity theft. She was notified of an attempt to collect a debt on behalf of XXXX XXXX ; by the agency of Fair Collections and Outsourcing ( FCO ), the account has a balance of {$7100.00} dollars and was opened using XXXX XXXX maiden name without her consent at an address where she does not nor as has ever lived. A formal dispute of this account was mailed certified with return receipt to FCO XX/XX/XXXX ; FCO failed to acknowledge the dispute. A second dispute was mailed XX/XX/XXXX again certified with return receipt to FCO this time for an unauthorized inquiry into my clients credit report. FCO did confirm the issue was resolved however ; a recent credit report order and reviewed XX/XX/XXXX still lists the FCO account and inquiry on the report AFTER the account was know to be cleared as an issue of fraud. This continued reporting of this account is a violation of the FDCPA and FCRA and my clients consumer rights.
03/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NE 685XX	Web
FCO Collections ( Fair Collections and Outsourcing ) has recently started harassing my ex-roommate and I about a bill we apparently have from when we moved out a year and half ago. Up until this point, we were told there was no outstanding bill. FCO refuses to validate the account ( a consumer right. ) A man by the name of XXXX XXXX is degrading, harassing, and threatening. He 's lied to us and bullied us every time we speak on the phone. He refuses to send documents and his only response is " This is n't about me, this is your responsibility. '' We have no clue if this bill is substantiated and they wo n't work with us unless we have payment. My roommate set up a payment plan because he told us initially that we had until XXXX XXXX to figure this out and today he called and said that he was reporting it right away. He wo n't let us talk and interrupts us every time we try to ask questions. He has attacked us from the very moment he started calling.
12/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	PA 173XX	Web
I received a letter from FCO dated XXXX/XXXX/15. I called to find information about the debt which was stated as {$400.00}. I was given a statement of detail charging me {$830.00} for carpet replacement when moving out of the apartment. The statement accounts for a {$500.00} deposit and {$81.00} in a final water bill to arrive at the amount they are trying to collect. I asked for an invoice for the carpet replacement and was given an invoice for {$380.00}, however was told that XXXX 's client wanted payment based on {$830.00} however they are unwilling or unable to provide a statement explaining the higher charged amount. I offered to pay if they would put in writing the reason, and was told they have produced all the documentation that they need to and will not be providing an explanation for the {$440.00} difference. I have been threatened that they will report this to the Credit Reporting Agencies on XX/XX/XXXX if it is not paid before then.
09/23/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	MD 21921	Web
Due to the COVID-19 pandemic I was left in a financial crisis. The apartment complex I was living in started harassing me, doing routine checks of my place and unfairly fining me for things that were untrue. There were some fire hazards that were not taken care of the day I moved in and I was going to take them to court over it. The problem is that I was unable to pay rent for a couple of months and they were going to evict me and take me to court for the money. The place was rat infested with huge holes all over the apartment. It was literally uninhabitable, I ended up abandoning the apartment and leave my things behind to start a new life in XXXX. After a year I noticed a collection on my credit report with their information about the debt I owed to them. I never received a collection letter and I am at a loss now, since it's on my credit report. The exact date and amount reported on my credit file is XX/XX/2022 for the total amount of XXXX
04/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 941XX	Web
I am submitting this complaint because I am being extremely affected by FAIR COLLECTIONS & OUTSOURCING , INC . They are being completely unfair and I dont know how to get ahold on them but through this portal. I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. I was misled into paying the collection and told account would be deleted if I paid and were excessively harassed and called and forced into paying the debt. Even though I stated that their gross overcharges and contract breaches from the original creditor XXXX XXXX, and the collection should have never incurred as my account was settled as it was closed with them. Account Information : Account Name : FAIR COLLECTIONS & OUTSOURCING, ING. Account Number : XXXX Account : Type Collection Date Opened : XX/XX/2017 Please see attached. Remedy : Deletion account from all credit bureaus.
04/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33470	Web
FAIR COLLECTIONS AND OUTSOURCING is a debt collector for XXXX XXXX and they are reporting debt on my credit report for {$16000.00}. The debt is not valid because they can not verify me, and my consumer rights are being violated under the FDCPA. I am aware that XXXX XXXX received a big check from the government under the CARES ACT ( from XXXX XXXX XXXX ) for my household when the pandemic was GRUESOME AND DREADFUL and they still illegitimately got me evicted. Im being subsequently sent to collections by XXXX XXXX however the eviction was unfair and during COVID 19. I have disputed with XXXX and they just keep updating the account!! XXXX XXXX violated my rights under 15 USC 1691, 15 USC 1681s-2, 15 USC 1692, 15 USC 1681a XXXX XXXX has violated my human rights and deprived me and my sons life and my personal information was sold to FAIR COLLECTIONS AND OUTSOURCING causing significant damage to my credit report with out my knowledge and consent!
12/17/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	GA XXXXX	Web
I am living in the state of XXXX and Fair Collection & Outsourcing, INC is NOT License to collect Debt in the state of Georgia. A Debt Collector in Georgia MUST comply with the Fair Business Practices Act. The FBPA requires debt collectors to obtain a license from the Georgia Department of LAW before engaging in debt collection activates, any debt collector violates the requirements of the Fair Business Practices Act in Georgia, there can be various consequences and remedies available. The FBPA is designed to protect consumers from unfair and deceptive practices, including Legal Action that could be taken out against the business that are in violation of this LAW.FCRA Law Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to CRA. I have provided Proof in this complaint and I DEMAND for the company to DELETE these accounts IMMEDIATELY. If Not, I will be taken Legal Action against the company.
01/11/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30349	Web
I applied for CA Rental Assistance Program for rent relief in early XXXX and the application was complete and accepted. I waited a couple of months then finally received communications from the State as well as XXXX XXXX regarding funding being exhausted and the application being deferred to the other program. After receipt of the last communication XX/XX/XXXX, I was contacted by FCO ( Fair Collections & Outsourcing ), a collection agency for the balance remaining for rent for over $ XXXX. I moved out of the home in XXXX to prevent additional charges being incurred once I realized my application wasn't being processed in a timely manner and have been in constant communications with my property manager, but without notification the balance was sent to a collection agency. I would like to know what recourse I have in order to protect my credit. I have a feeling this agency will attempt to take me to court, and I am very concerned about this.
03/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 91311	Web
This lease was forgiven by the manager at the company I made arrangements to begin paying the balance owed I made 2 payments one in XX/XX/2020 then another in XX/XX/2020 however because of Covid 19 Pandemic I eventually lost my job and was unable to keep up with my arrangements I contacted the office and let them know that I had applied for EDD and would get a payment to them as soon as my payments began I was assured that was ok and it would not hit my credit negatively however the Edd took months I called the office numerous of times to let them know. Well the last time I called the Customer service Rep in XXXX I was advised due to the Pandemic they would not be holding me liable for this debt as the office received funds from the SBA and it was all a wash and since I had made some payments I was not liable for the rest as the world was in disarray and I was employed So I left it alone however 2 years later this is on my credit report
02/12/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33437	Web
On XX/XX/XXXX FCO ( Fair Collections & OutSourcing and I reached a settlement agreement that with a payment of XXXX my account with them would be considered closed and settled and updated to reflect that on my credit report to reflect settled in full ( See attached ). The payment was made to them and I received a confirmation letter dated XX/XX/XXXX. In XX/XX/XXXX i checked my credit and the account reflected as : Open and with a balance of {$3400.00}. At this point I disputed the information and received a letter back from the creditor ( See attached ) stating that the account has been reported correctly. They have not stuck up to their part of the agreement and my credit has been impacted from XX/XX/XXXX until today. I would like this information to be updated on my credit to what was agreed upon. I have been turned down for an apartment due to their inaccurate reporting because it does not reflect that i have paid them in a settlement.
06/20/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CO 80910	Web
I contacted the original lease company about the debt and found that my social was NOT on the contract. I am a XXXX and the XXXX has the debt. The collection company found my social ( without the lease company the debt is from ) and has been contacting me for the money. I contacted them to express it is not mine, and they insist that I must jump through hoops to get my social removed including an identify theft report that is not necessary because my social was NEVER used for the lease. I contacted the original company to confirm that my social was still not associated with this debt, and they again confirmed and forwarded to the debt company that it is not me. They have contacted me again and will not correct THEIR mistake and illegal look up of my social and credit scores. ( The woman from the debt agency told me that she had every right to look up my credit score without my consent after illegally obtaining my social security number )
09/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	IN 47404	Web
I was contacted by Fair Collections and Outsourcing inc.by phone that I owed XXXX $ to XXXX XXXX XXXX owned by XXXX XXXX on XXXX XXXX. 40 days after my lease ended at XXXX XXXX XXXX XXXX IN XXXXon XXXX XXXX. No prior notice of any money owed was sent during this time prior to the phone call. XXXX collections explained the amount owed was for unknown late fees, unknown damages, XXXX $ unexplained and XXXX $ described as electric re-billing. I was never offerd a final walkthrough inspection of the apartment to check damages. The Electricity was never included in my lease and was my responsibility not XXXX XXXX to pay. After 15 years leasing from this company I am surprised that I was turned over to a collections agency threatening my credit score and rental history without notice and so quickly. On the day my lease ended I was returning my keys ; the Offices of XXXX XXXX in XXXX Indiana were closed. This includes, XXXX XXXX and XXXX XXXX.
05/07/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30126	Web
I was in a month to month lease with XXXX ( XXXX ) XXXX. I was obliged to give a 60 day written notice before vacating the building. I did so, and sent the letter via certified mail. Roughly six months later, XXXX placed a {$7500.00} fine on my credit through Fair Collections and Out. This fee is exorbitant, as I only paid {$850.00} a month, and met my obligations for the lease. In the state of Georgia, the law states the landlord can only claim damages and the amount of time the apartment was vacant. I was never evicted, because I did n't break a lease, I should not have this on my credit. When I spoke with them they agreed to reduce the fee to {$3400.00}. This is still outrageous, and I 'm being illegally bullied in to paying for fines I never owed in the first place. They provided a forged copy of the lease that I never signed. If you search XXXX property services in XXXX Georgia, you will see they are well known for these tactics.
04/13/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MD 20853	Web
My husband and I lived at this apartment complex for one year. We were provided a move out amount which we paid in full and had a walk through during which there were no damages pointed out. Months after moving out of the complex, the complex claimed there were damages and that we owed more in rent because they provided the incorrect amount earlier. I tried to reach the property manager several times to discuss these charges but they never answered my calls/emails. Months after this, they sent my account to collections. I provided the collections agency with the inventory list that I was provided when I moved out and proof that we paid the full amount we owed on the account when we moved. They contacted the apartment complex about the dispute and they simply stated that we owe more and they are refusing to erase this debt despite the proof I have presented. They also refuse to provide any visual proof or inventory list of the damages.
10/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75087	Web
Hello XXXX is reporting incorrect information on my credit report. I attached a copy of my report as proof that they are reporting inaccurate dates across all 3 reports. The balance is also incorrect. I have been disputing this information and as you can see in the report comments, it says meets FCRA requirements. I am aware that reporting inaccurate and incomplete information on my credit file is a violation of the FCRA and they can be sued {$1000.00} per violation. I am now asking that they remove this from my file. I have all disputes on hand as proof that I have tried to get this corrected. I have also asked that they cease all communication with me. This is also a violation. They keep contacting me to collect payment from me and have not send me any sort of proof that I owe this alleged debt. I have asked for contracts with my signature with no response. Only collections letters. Please investigate this matter for me. Thank you
12/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33470	Web
I hope this message reaches the appropriate department. I am writing out of frustration and concern regarding the recent closure of my complaints, indicating that all disputed information on my credit report is correct. I find this conclusion confusing, especially when there are evident discrepancies among the reports provided by the different credit bureaus. I am truly exhausted from attempting to articulate my concerns, and it appears that my letters are not being thoroughly reviewed. The inconsistencies among the reports from various credit bureaus are causing immense confusion and frustration on my end. I urge you to reevaluate my case with the utmost diligence and attention to detail. I am seeking a swift resolution to address the discrepancies and inaccuracies on my credit report. I believe in the importance of accurate credit reporting, and it is disheartening to experience such challenges in rectifying these issues.
01/22/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NH 03431	Web
Company called 4 times in one day. I did inform the individual that I XXXX there ins a limit to the calls allowed.per day and week. I was told by the woman they can call when they want and stop being a deadbeat I before I get fired and arrested.then received a call again did not answer and a message was left. This was on XX/XX/23. I then received a letter from the company about the debt stating I need to respond before XX/XX/23. I am responding as the debt is about a rental lease that XXXX XXXX had violated and I moved because they failed to repair and provide a safe entry door to my unit as well as a neighbor smoking XXXX even though al leases state no smoking including XXXX and cigarettes. They also refused to stop loud music in violation of the lease agreement. I have a daughter who is XXXX and it caused great emotional stress to her. These are the violations form XXXX XXXX which forced me to move prior to my lease ending.
04/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 20708	Web
I have just received a response from your company as a result of an investigation for the second time. As I stated before this account was deleted from XXXX as unverified but still remains on XXXX and XXXX from your company. As a result from the last dispute you sent me a document with a name and a balance which is unacceptable! As I mentioned this account is unknown to me please send me a signed document with my signature on it as validation. If documents can not be provided I will take legal action for all unverified accounts! Like I stated before I've been contacting your company numerous of times about this account and still all of the above was unverified or validated. If there's no document showing that I signed or verbally agreed to this account please remove it. All previous disputes and responses has been saved for my records and will be proven in court as a violation of the Fair Credit Reporting Act 609. ACCOUNT XXXX
10/18/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85233	Web
I didnt know about the {$160.00} dollars I owed after moving out of my apartment until it showed up on my credit report as a collection. I immediately called and paid the amount to the collection agency and asked that the report be deleted from my credit history. They told me they would update it. The report is still showing up on my credit and affecting my ability to purchase a home. I called both the original creditor and the collection agency to ask for a good faith deletion and told them I did not know about the money owed till it showed up on my credit report. They refused to request the credit bureau deleted the {$160.00} collection that I paid in full as soon as I knew about it from my credit report. I spoke with XXXX XXXX the client and XXXX about writing a request to have this satisfied debt of a small amount that has an outsized effect on my ability to purchase a home be deleted. They refuse to offer any solution.
06/03/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27529	Web	Servicemember
I reached out via email on XXXX.21 and asked who this company was and why they put two different accounts on my credit report, the person responded and was like oh we sent your account over to collections. I called them on XXXX2021 ( the collections dept. ) and inquired about the debt. I provided my name, ssn, and dob. None of the identifiers provided matched that account. All they had was my name and an address that I updated thru the postal service. The representative was like I'm not sure what's going on. Put me on hold and then hung up. I called the XXXX XXXX company on XXXX.2021 and told them about the conversation I had with the debt collector. I provide all of the same identifiers and they were unable to attached that account to me besides name & address. I asked them to remove this from my credit profile because this was wrong. I was told someone would follow up with me today and nothing has happened. XXXX!
11/10/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77550	Web
In XXXX of XX/XX/XXXXI was living in a XXXX XXXX XXXX in XXXX, TX the property was being managed by XXXX XXXX. I was having personal and financial issues and was no longer able to make my financial obligations and needed to move. I wrote the property manager letting them know the situation and that I would be vacating the residence at the end of XXXX. I was willing to assist in anyway in order to get new residence in and was very clear that I would pay whatever rent remained. I moved as planned leaving the residence clean and with out damages. In XXXX of XX/XX/XXXXI was served eviction notice for the residence that I had been out of for a full month. I have tried multiple times to reach out to the the property manger in order to make payment arrangements for the remaining balance of {$1700.00}. Now I have a collection with Fair Collections & Outsourcing for this residence. They are now attempting to collect {$9600.00}.
01/25/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32707	Web
I received notice of a collection from Fair Collections & Outsourcing! By law I had 30 days from time of receiving to request the debt be validated. I responded with a debt verification letter sent certified mail to Fair Collections and Outsourcing. By law they are required to send me a validation notice or respond to my verification request. They have not done so but instead sent me a threatening letter stating the following ... " Your account has already been reported by our office or is scheduled by our office to be reported by our office to one or all of the following national credit reporting bureaus : XXXX Credit Information services, XXXX Credit Information Service or XXXX. '' I know for a fact this debt is not valid and my verification request has gone unanswered because they to know it is not valid. There refusal to to send a validation notice is a clear violation of the collection practices act.
03/10/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 60560	Web
I lived at the Residences of XXXX XXXX for over two-years without any late payment on {$3000.00} rent. I absolutely loved my unit and all of the amenities. The unit became uninhabitable for me and my then XXXX XXXX XXXX Daughter. I have Management/Ownership every opportunity to fix the problem. In the end they provided a de-humidifier and left us to suffer. I informed the Manager that I would be moving because I was not going to wait for my Daughter to get sick. I moved out, had the unit professionally cleaned, and returned the keys. We received a move out statement where they attempted to charge us a lease break fee and relet charges. In Illinois Tenant Remedy for an uninhabitable dwelling unit is lease break. I disputed the charges and requested my day in court. Instead, the Management Company and Owner Representative sent this erroneous debt to Collections. Now I'm faced with the negative impact to my credit.
03/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33179	Web
Collection account does not belong to me. I was frauded. It was reported on my credit reports and it is completely wrong! This notice is to inform you that you have broken the law. You unlawfully report unauthorised accounts on my consumer report that have violated my federally protected rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given written permission to put anything on my credit profile. You have violated me pursuant to 15 USC 1681b, the permissible purpose of consumer reports. You have no permissible purpose by law to contact third parties with my private and personal information. Your offences amount to Aggravated Identity Theft pursuant to Title 18 U.S.C felony punishable 1028A. You have knowingly transferred, a felony punishable with up to 2 years of imprisonment, in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692g.
12/15/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 206XX	Web
I am filing a compliant against Fair Collections & Oursourcing for a violation of the fair debt collection practices act. In response to a letter dated XXXX XXXX, alleging a debt and providing until XX/XX/XXXX for validation, I sent a letter by certified mail requesting validation on XX/XX/2023, within the specified timeframe. It has come to my attention that the Fair Collections & Outsourcing intentionally requested the USPS to hold my letter on XX/XX/XXXX, as stated on the USPS website, violating my right to a timely validation. This intentional delay constitutes a deceptive tactic, compromising my rights as a consumer and being a contradiction to the name of their company. Please See USPS Tracking # XXXX Attached is relevant documents, including the certified mail receipt and details of the correspondence. I request your assistance in holding Fair Collections & Outsourcing accountable for this Violation.
03/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 154XX	Web
was notified of a debt in my name by FCO collection inwhich they advise me that an apartment have been opened in my name. I advised them that I did not have an apartment in the XXXX Georgia area at any point in time. I asked them to show me a burden of proof of a signed lease showing me being responsible for any monies owed on the lease. This company could not produce that they sent me a lease showing my name listed as an occupant not a responsible party to a lease agreement. They sent me the fraud package to claim this as fraud. I filled out the package along with the police report a lease showing my current address at the time this lease was opened and my drivers license. FCO sent me a denial letter with no justification as to why. They are violating my rights and I will be seeking private counsel as well as alerting the federal trade commission and the attorney generals office. Please investigate this
12/09/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 76543	Web
Hello, This email is in response to a collection account on my credit report. I sent a request to all 3 credit bureaus as well as your establishment to make sure everything on my report was accurate and they have verified the account was accurate, but I have not received any documents to support the validity of this account. Your company also has not responded to the certified letter I sent requesting validation of this debt. I am requesting that you provide validation of this debt. Proof of ownership with my approval to sell this debt to a third party company Payment History with Original Creditor *Orignal Lease Contract with wet signature If you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and The Texas Attorney General 's Office . If my rights continue to be violated. I will also consider consulting with an attorney. Sincerely, XXXX XXXX
12/13/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WA 983XX	Web	Servicemember
This account is from a landlord trying to collect debt from past renters, but the renter was not me. The original company was called XXXX XXXX, and trying to speak with them about my identity being stolen and used to rent property with them was only responded with extreme anger and hostile threats by XXXX XXXX employees in XXXX Washington. The account is absolutely identity theft and I believe stolen by an ex boyfriend and his new girlfriend and they used my name to rent out of spite. I have tried constantly to fix this issue only to be treated like nothing I say matters. I've tried speaking with renters warehouse, and then it went to collections with Fair Collections and Out, and they have also been ignoring my requests and pleas. I'm not responsible for this account and I need it removed from my credit report. Because of it, I am unable to rent an apartment or get housing for myself and my daughter.
01/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 91706	Web
Last year I was served eviction papers, landlord agreed to work with me under moratorium mandate, they agreed to compensate me upon moving out, and Im doing so no debt would be owed, no additional fees, and that it would not be held against me in anyway. Also, upon receipt of the funds from XXXX XXXX housing the landlord was to retain the amount designated for back rent and cut me a check for the portion of funding I that was allocated for a security deposit and past due utilities. Ive been trying to get ahold of the landlord for months and had no response, I recently received correspondence from a debt collector demanding over {$14000.00}. I attempted to rectify with the 3rd party collectors. XXXX refused basic service, he refused to provide any correspondence stating I was disputing debt, he refused a supervisor, refused legal department contact information, and refused to assist in anyway overall.
10/19/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	ME 041XX	Web
XXXX XXXX has charged a total of {$3400.00} to my credit. I did not have a lease with them. They do not have any information about this when I call. I rented month to month from them in XXXX and XXXX. I moved out in XX/XX/XXXX, after a 60 day written notice. The rent was {$750.00} a month. There is no way I would have accumulated {$3400.00}, that's nearly 5 months of rent. Fair Collections and Outsourcing is now the debt collector in charge of this account. They continue to update my credit report every month to make it look like I'm missing payments on an account that is to be dropped from my credit in a matter of months. Also, I've never made a payment arrangement with them, as this is NOT my debt. It is an illegal thug tactic by a slumlord to weasel me out of more money. They've also messed up the date the account was opened. If I left in XXXX, the start date for the account should be XX/XX/XXXX.
10/16/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77077	Web
Fair Collections & Outsourcing is reporting an expired debt on my credit files. Also, the original creditor, XXXX XXXX XXXX XXXX, XXXX, is no longer in business, no longer owns the property or the debt. Moreover, the original lease agreement is not signed by an authorized agent for the LLC. The Ledger shows that the Date of First Delinquency commenced XX/XX/2011 and continued each month until eviction was filed and writ was executed. Also, the ledger shows that a Late Fee of {$45.00} was charged the same months. According to the credit bureaus, the XXXX XXXX XXXX XXXX, XXXX, the original creditor, gave Fair Collections and Outsourcing the authority to handle this matter and the date of first delinquency. However, since, XXXX XXXX XXXX XXXX, XXXX, is no longer in business, and does not own the property or the debt. I am stuck with no option but to seek recourse through the XXXX XXXX XXXX. . .
06/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	WA 984XX	Web	Servicemember
I lived in a particular apartment building for approximately XXXX years. I moved out in XXXX of 2013, and in XXXX of 2013 I received a bill for rent covering a month I was no longer residing there. I contacted the property and they refused to work with me to resolve the issue. The property is no longer under their ownership and the collection agency has not responded to my dispute in approximately a year now. This is still on my credit report and is causing me great stress. I can not find a place to live due to this invalid debt. They could not provide me with a valid reason as to why I should pay them during a period in which I did not live there. Now that the property is under new management I have no way to settle this. My credit report still says that the debt has been disputed and yet no response or follow up. This has gone on far too long and I ca n't seem to get this removed and resolved.
05/31/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33025	Web
I have called and spoke with their representatives over the phone countless times. All of the contact and personal information they have on file for me is inaccurate. I sent a letter on XX/XX/XXXX and XX/XX/XXXX to all three credit bureaus requesting they ask for documentation to confirm the validity of the debt. As a response to all of my disputes I have not received any proof of ownership. The company is claiming I defaulted on a lease from XX/XX/XXXX. However, at that time I was a college freshman living in an on-campus dorm at XXXX XXXX University. There is no way I would have been able to be financially responsible for an apartment or even provide proof of income because I was a full-time student. This company has damaged my credit for years without my knowledge. I have only recently become aware of this issue because I am currently attempting to get my first place and checked my credit.
03/12/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI 49509	Web
FCO ( fair COLLECTIONS and outsourcing ) has a debt on my credit report that is not mine. I have filed disputes against them and have had it taken off my credit reports many times due to no actual contract between myself and FCO. And it keeps popping back up under either a new kind of debt ( revolving credit, loan ) or a new start date. This is clearly illegal and unethical and I want this item removed from all credit reporting agencies permanently as suggested by my lawyer to do so after they were shown how FCO is getting around the process at the credit agencies. Clearly they have been hit with lawsuits in Washington DC for similar reasons. I was never brought to court about this ridiculous amount of {$2300.00}. Or given a chance by FCO to dispute before put into collection. Nor have I been given proof that I have signed any kind of contract with them for them to come after me for a debt.
12/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	GA 30092	Web	Servicemember
This company, XXXX XXXX reported this account too quickly and soon after they notified me of the balance. I feel that it should be investigated how long they gave me to pay the balance before they reported it to collections. I paid this balance in full to collections soon after it was reported. and it shows an incorrect date of being reported on XX/XX/XXXX. This account was reported on XX/XX/XXXX and this is shown next to 'Date Assigned ' on my report ( see attached ). I believe that the company intentionally keeps updating the date that it is reported to prevent it from getting off my credit report. This collections should disappear on XX/XX/XXXX because it would have been 7 years but this company, Fair collectionsXXXX intentionally updated the date it was reported to XX/XX/XXXX to keep the collection on my credit report longer. There are two accounts that this company is doing this for.
12/10/2021	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	NJ 079XX	Web
Thursday, XX/XX/XXXX XXXX XXXX XXXX XXXX Current Address : : XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX RE : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX It has come to my attention that as of XX/XX/XXXX, XXXX maintains a record on my report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. I decided to investigate this issue. On Thursday, XX/XX/XXXX, I attempted to reach XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX by Telephone at ( XXXX ) XXXX. I called twice. During the first call to XXXX Maryland at ( XXXX ) XXXX, Agent XXXX XXXX with XXXX Maryland told me she was not able to discuss the account at all. During my second call to XXXX Maryland at ( XXXX ) XXXX, XXXX XXXX XXXX Maryland refused to discuss the account repeatedly. Due to their refusal to discuss this account, I am requesting this information be removed from my credit report immediately. Thank you, XXXX
06/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	MS 38654	Web	Older American, Servicemember
XXXX credit reporting, for 5 years I have disputed a collection on my credit report from the Landing apartments, I moved in the apartments in XXXX, I paid my rent on time and never late. The apartment manager and I disagreed on what was normal wear and tear after living in the apartments for 5 years. I purchased a home and moved out in XXXX the next time I heard from the apartments is when I received a past due amount for {$290.00} for failure to clean out the apartment when I moved, one of the apartments inspectors view the apartment and said it ok. all total I have dealt with these apartments since XXXX and the collection agency since XXXX. I have contacted the credit agency to no avail. This action has affected my credit score and cause me to pay a higher interest rate no to mention the mental anguish is causing me! The collection agency is " Fair collection & out/ XXXX XXXX XXXX ''
08/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	VA 221XX	Web	Servicemember
Reporting wrong amount to credit bureaus and refusing to accept payment of proper amount. 1. XXXX final account statement dated XXXX XXXX, 2015 shows a balance of {$600.00}. See attached. 2. This final statement has a charge of {$85.00} for final utilities. I had already paid the final utilities. Proof of this is attached. 3. This final statement has a charge of {$270.00} to " re-glaze '' a tub that was in the same condition upon move-in. It was an older apartment with an older tub that had slight discoloration and wear and tear upon move-in. This seemed normal given the age, so I did not see any need to mark this on my move-in checklist. This results in a balance of {$240.00}. I have tried since XXXX 2015 to resolve this, but " XXXX '' and " Fair Collections and Outsourcing '' will not correct the above errors and continue to report inaccurate amounts to the credit bureaus.
06/20/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NY 146XX	Web	Servicemember
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
08/29/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 196XX	Web
My identity was stolen in 2020 and there have been 6-8 accounts opened up under my name. These accounts being opened up aren't even in the state I reside in. Fair Collections & Outsourcing Inc. have been awful in helping me with this fraud. They have gave me the runaround multiple times on what to do. XXXX XXXX has correctly been assisting me with the fraud case. Why are these companies giving out loans, renting apartments or allowing people to open up accounts in my name when I don't even live XXXX miles from where it's taking place? These companies are acting negligently in not researching where I live at, where I work, etc. because if they did then we wouldn't be in this mess. I've had a total of {$90000.00} taken under my name because companies don't want to do the extra leg work to get in contact with me. They just hand everything out on a hot plate for the criminal to take.
07/20/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 70560	Web	Servicemember
Leased home from XXXX XXXX with co-applicant. Lease term was from XX/XX/XXXX through XX/XX/XXXX. On XX/XX/XXXX, I email company my 30 day notice to vacate. I moved out of the home XX/XX/XXXX. Rent was paid with XXXX balance for XXXX and XX/XX/XXXX. My spouse and I were divorcing so he remained in the home and I relocated. He stayed in home until XX/XX/XXXX. XXXX XXXX filed eviction and later received a judgement against me for unpaid rent and violating lease in the about of {$3400.00}. They mailed the eviction and judgement notice to the home where I had moved from 2 months prior.and I was not able to present my case along with documentation to say this eviction and judgement has been filed in error. The later sold the account to FCO- Fair Credit and outsourcing who have added an additional {$3600.00} for what they are considering contractual damages for a total of {$7100.00}.
06/20/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MO 64138	Web
I received a move out bill dated XX/XX/2018 from XXXX XXXX XXXX The Residences at New XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MO XXXX on XX/XX/XXXX for {$450.00}. I responded to the letter, notifying them why I was only paying {$71.00}. They never scheduled a move out walkthrough with me. They charged {$340.00} for carpet replacement. i lived there for 39 months. Normal wear and tear. I never heard back from them. I received a bill from FCO that was dated XX/XX/18 in the amount of {$830.00} more than double the bill they sent me. As i stated, the only bill i received was dated XX/XX/18 for {$450.00}. I contacted FCO on XX/XX/XXXX and emailed them my bills and what the situation was. They said they would speak with XXXX and get back to me. I have not heard anything to date but now know there are other residents that experienced a similar experience as mine. Thank you.
08/31/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 150XX	Web
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXXXXXX XXXX XXXX XXXX Credit report XXXX credit report XXXX15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
08/10/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MD 207XX	Web
I have paid an apartment complex directly on XXXX/XXXX/2011 and was given my receipt and a signed letter by the property manager stating that they received payment and my balance was XXXX. The company was changed management several times and lost paperwork and so forth and yet IT HAS NOT BEEN REMOVED FROM MY XXXX CREDIT CREDIT, WITH ABSOLUTE PROOF I PAID prior to it going to collections. THEY ARE DELIBERATELY NOT DOING THEIR JOB AND BREAKING THE LAWS THAT ARE IN PLACE FOR THE CONSUMER. I have disputed over and over again and they still have not did their job with irrefutable proof. I would not have a receipt or letter from the collection agency since the apartment complex was paid 5 years ago and was called XXXX XXXX. So therefor my receipt was given to me from the property manager of the complex I previously resided. I made a complaint to my XXXX XXXX as well as FTC.
10/13/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 43235	Web
On XX/XX/XXXX opened services with companyFair Collections & Out about XXXX XXXX XXXX. Had to break lease due to family emergency and move back to Ohio. Contacted Company numerous of times. Balance Currently Shows {$3500.00}. Would love to be forgiven and removed off credit, because of the damage its doing to my credit report. On XX/XX/XXXX account from XXXX was closed and charged off with balance showing {$0.00}. Please remove from all credit bureaus, account is in good standings. Cant reach Company On XX/XX/XXXX account for XXXX XXXX Was opened and closed with a balance of {$110.00}. Had to leave on emergency to go back to ohio. Please forgive and remove from credit On XX/XX/XXXX account for XXXX XXXX was Opened, account is in good standing and paid off and updated on XX/XX/XXXX. No longer have credit card or access to it. PLease remove account from credit please
03/08/2016	Yes	Credit reporting	Incorrect information on credit report Account status	NC 28105	Web
I have had a delinquent status on my credit report for almost seven years and have heard that these types of things will be removed after a specific amount of time. I was wondering if I can have it removed off of my report. The delinquency is related to an apartment I had shared with someone who I am no longer in contact with and am unable to receive money from, not to mention the amount owed was doubled from what it originally should have been and I am unable to afford the ridiculous amount owed to it and they will not work with me on what I can afford. I have been declined for things through out the past 6 years because of this delinquency ( also the original owners of the apartment complex are not even the owners anymore ). I have been trying to rebuild my credit history but am unable to raise my score based on this XXXX delinquency, please help me in removing it.
10/24/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 31210	Web
I have contacted this collection company three times requesting validation of an account that is being reported to credit bureaus for XXXX XXXX in the amount of {$1800.00} and for the amount of {$500.00}. This company is reporting two different times with two different amount with the same account number. The first written letter was sent on XX/XX/2020, XX/XX/2020 and XX/XX/2020. On my credit report with credit bureaus it reflects that the account that was disputed meets FCRA requirements and this collection company fail to respond to my request of validation. This company has ignored the request for validation three times and this inaccurate information that is being reported to credit bureau has hurt my credit score and my reputation. I have given this collection company plenty of time to give me validation but they have failed to provide me with the information.
12/17/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 304XX	Web
I have received two letters now, addressed to my daughter who is a minor, stating that she owes {$2500.00} in what appears to be back rent in another town that we have never lived in. My XXXX XXXX XXXX XXXX was born at the current address we live..in a mobile home that we own and has lived here since birth. The supposed back rent is from I assume an apartment complex approx XXXX minutes from where we live. The debt collector is FCO ( Fair Collections & Outsourcing ). This is obviously a case of mistaken identify or fraud. I have read on the XXXX site that this company will threaten to report fraudulent debts to peoples credit reports in an attempt to collect money from them. I have not attempted to contact this company yet because Im afraid that they will then get my information and attempt to report this debt on my credit report since my daughters is a minor.
06/15/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92591	Web
The credit card transactions in the amounts of {$100.00} and {$50.00} were timely disputed with the issuing banks. The merchant XXXX XXXX XXXXXXXX XXXX XXXX XXXX " XXXX '' ) did not respond to these disputes. As such, the banks credited back the respective amounts to my credit cards and closed the disputes. Several weeks after the disputes were closed by the banks in my favor, XXXX reported these amounts to Fair Collections and Outsourcing, Inc. ( " FCO '' ) as checks returned for insufficient funds and further added returned check charges of {$25.00} and {$35.00} respectively. ( See attached verification ) This is a FALSE REPRESENTATION because no checks were involved in any transaction. XXXX and FCO have attempted to portray that the closed credit card disputes were in fact returned checks. Neither XXXX nor FCO has provided me a copy of any returned check.
05/01/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NJ 07083	Web
I am writing to you requesting that you remove FCO from my credit report. FCO is a third-party collection agency. Furthermore, I never lived in XXXX XXXX. I lived in XXXX, which XXXX XXXX purchased ; by the time XXXX bought XXXX, I had already moved out. XXXX XXXX sold the debt because they could not pursue something not owed to them. Also, this rent occurred during covid, which was not that amount ; They inflated it. I am asking the CFPB to look into this, as I feel it needs to be investigated.FCO is a third-party collection! The state of New Jersey does not allow Covid rent debt to be sold to third-party collections XXXX was going to pay the balance to XXXX, but I moved before they could because the landlord kept pressuring me to move, and once you move, XXXX would not pay it off. This should not be on my report. XXXX XXXX XXXX Respectfully, XXXX XXXX
08/02/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS 39208	Web
I sent a letter requesting the validity of debt to Fair Collections & Outsourcing regarding the account Fair Collections & Out XXXX on XX/XX/2022. Federal law requires that collection agencies respond promptly within 30 days. It has now been 36 days since this company has received my letter as failed to not only comply with the federal law but to validate this debt. This account continuing to be listed is a serious violation of the FCRA ( Fair Credit Reporting Act ). I am now requesting that you DELETE this item from my credit report immediately. Additionally, you failed to validate this debt at my request, which is a FDCPA violation, and you continued to report inaccurate information. I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.
09/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91316	Web
I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. They state it was paid i never paid for this because i didn't even know about it until i seen it on my credit. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus. They are also reporting the same fraudulent account with two different collection agency for the same fraudulent account the same amount.
03/20/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76137	Web
I joined a XXXX XXXX called XXXX XXXX XXXX XXXX XXXX. Otherwise known as XXXX XXXX. However after agreeing to join it i never received what i paid for to help me find someone as they promised to help me do. They promised a website, professional photography, and event meets. I never got any of that. No services or anything. And now they sent a company after me for {$2300.00} cents. That was no where near what i originally agreed to pay. Especially for a scam dating service that did not give me anything for what i paid and i decided to abandon it. The debt collector after me is called Fair Collections and Outsourcing located at XXXX XXXX XXXX, XXXX XXXX XXXX MD XXXX and threatening to ruin my credit with the 3 major credit companies by sending me letters in the mail. Because other than this my credit is good. It has taken me 3 years to make it good.
11/17/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	AL 352XX	Web
Someone stole my Identity in 2014. I filed a police report. Many creditors took action to fix the situations that arose. But XXXX collector is pursuing me for a supposed apartment rental I did NOT rent in ANOTHER STATE, EVEN AFTER I SENT THEM THE STANDARD LETTER FROM THE FTC as the FTC advises. The dead give-away is that they always have my name wrong, as is the case with this collector ( Fair Collections & Outsourcing , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD. XXXX XXXX www.fco.com ). They keep telling me I need to complete their form which asks for a litany of my personal information that THEY ARE NOT PRIVILEGED TO. I even included a copy of my police report with the standard FTC letter. THEY REPORTED ME TO THE CREDIT BUREAUS!!! How is this allowed when they do NOT even have my name correct and I 've provided proof of identity theft?
12/31/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 38133	Web
I recently disputed a collections account through XXXX for a debt of XXXX from a creditor name of XXXX XXXX and the collector agency being Fair Collections and Outsourcing. It was added to my credit report on XX/XX/XXXX. This is inaccurate information and I will like this removed from my report immediately cause of the damage it has caused to my report. I have been living at XXXX XXXX XXXX XXXX, Ga XXXX from XX/XX/XXXX til XX/XX/XXXX and moved to XXXX XXXX XXXX XXXX Ga XXXX XXXX XX/XX/XXXX. I moved to XXXX and stayed at XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. I have never been contacted in any way of this debt and never have seen proof in writing with my signature that I owe this debt to XXXX XXXX and the collection agency Fair Collections and Outsourcing. Can this pleases be removed from my credit report cause its very detrimental to my report.
10/31/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 12550	Web
Back in XXXX I had a lawyer file with the courts a Stipulation of Dismissal regarding a debt from a previous landlord. The debt was never removed and was reported to credit bureaus and is inhibiting me from obtaining a competitive interest rate for my first mortgage. I spoke with the company recently and sent them everything I have from the courts and they never called me back to follow up with me. After multiple attempts to get the status of everything i spoke with someone who said they can not remove this and when I asked to speak to a manager they told me they couldnt transfer me. I had to call them directly and of course had no answer. The mortgage rates is significantly higher than it should be. The charge was dismissed in court and filled in a court. I have documentation confirming this and they still wont adjust what need to be adjusted.
05/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77007	Web
On XX/XX/XXXX i disputed incorrect information with XXXX and XXXX to alert them that they are reporting incorrect information. I have received updated credit reports that do not match across these bureaus. The date of status also has not changed proving that there was no investigation done. One in particular is an account that is reporting an incorrect first delinquency date. On XXXX its dated XXXX but on XXXX its dated XXXX. Resulting in a longer period for this to remain on my credit report. I have also reached out to the collection company by certified mail to change the address they have so that The bureaus can delete the incorrect addresses they have on file. XXXX will not delete these incorrect addresses and as a result I am afraid someone at one of the old addresses may be receiving my credit offers putting me at risk for identity theft.
05/30/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OH 45356	Web	Older American
RENTED AN APARTMENT IN XXXX OHIO WEST OF XXXX.EVERYTHING WAS FINE FOR ABOUT FOUR OR FIVE MONTHS.THEN A WOMEN WHO LIVED FIVE OR SIX UNITS DOWN FROM ME PASSED AWAY.WHEN THEY FOUND HER, THE APARTMENT WAS ROACH INFECTED.INSTEAD OF TAKING CARE OF THE PROBLEM, THE APARTMENT COMPLEX DID NOTHING.THEY LET THE ROACHES SPREAD.EVERYONE IN THAT ROW OF UNITS HAD ROACHES INCLUDING ME.I INFORMED THE APARTMENT MANAGER ABOUT THE PROBLEM, HE DID NOTHING.I DID NOT WANT TO MOVE SO TRIED TO GET RID OF THEM MYSELF, SET OFF A COUPLE SMOKE BOMBS.THIS DID NOT WORK, SO I HAD TO MOVE, IT WAS JUST AWFUL COULD NOT LIVE THERE ANYMORE. NOW THEY ARE SAYING I DAMAGED THE THE APARTMENT, FROM THE SMOKE BOMBS I GUESS.I DID NO DAMAGE TO THAT APARTMENT, I WAS A GOOD TENANT, I JUST WANTED THEM TO GET RID OF THE ROACHES.IF THEY WOULD HAVE DONE THAT I WOULD STILL BE LIVING THERE.
08/01/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MA 02368	Web
We moved out of our apartment on XX/XX/2018 and we were supposed to get a final all bill by email but never did receive it. After contacting the original company by email requesting the final bill as we never re eived it, they informed me that the bill was sent to an old address on file and that the person who was supposed to send us the final bill whose name was XXXX XXXX never emailed it and also she is no longer with the company. The property manager XXXX XXXX informed me of this XXXX email. She then emailed me a final bill with incorrect charges and overbilling. When I disputed the charges, she refused to help fix the situation and sent this account to collections damaging my perfect credit and any chances of me obtaining a house. They never emailed me the final all bill within 30 days and they purposely sent the bill to a wrong address.
08/25/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 60607	Web
I rented from XXXX XXXX XXXX in 2016. I fulfilled a year lease and stayed 6 days in XXXX the following year before moving for a job. I was {$300.00} short on the rent which is a valid charge but I received a letter from XXXX stating I owe just shy of XXXX. I called them to get details and they had a long list of things like baseboard replacement, door replacement, hardwood replacement, 34 holes in the wall. My girlfriend and I took VERY good care of the apartment. There were scratches on the floor where my dogs cage was but other than that we were some of there best tenants. I had meeting with property and they thanked us for being so great and things seemed good. Few years later we get a false debt bill and are being harassed to pay. Also when we requested pictures of the damage from the apartment complex and XXXX neither could provide.
09/06/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60502	Web	Older American, Servicemember
XXXX I sent Fair Collections & Outsourcing a certified letter explaing that the company has broken the law and is in direct violation of 15USC 1692 ( c ). I XXXX XXXX, the consumer, did not enter into any contract with this third party purchaser. I was not informed or consented for any sale or transfer between XXXX XXXX XXXX XXXX XXXX XXXX XXXX knowingly and willingly purchased my personal information as an unauthorized third party without my knowlege or consent. No consent from the consumer is considered IDENTITY THEFT. XXXX continues to ignore all written correspondence and continues to knowingly and willingly attempt to tell me I owe them a debt and furnish inaccurate and false information to credit reorting agencies. At this time I am due remedy for these violations as a federally protected consumer under 15 USC 1681 and 15 USC 1692.
04/24/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11746	Web
I am writing about the collection company FCO : Fair Collections & Outsourcing Inc. XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX I have asked for formal Validation of debt in which that they have not complied with. The so called debt with withdrawn in XXXX XXXX New York Court. The case was dismissed when the original creditor XXXX XXXX withdrew the case and no judgement or lien was awarded at all. I went to the county clerks title department and they confirmed their is no legal authority to collect this debt as it marked as disposed. They are refusing to remove this from my credit file and my fiances credit file which is preventing us from obtaining a home for us and our XXXX children ( ages XXXX ) Please help me as you are our last hope. We can not have any disputes on her credit file per the mortgage lenders as well. Sincerely
06/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 761XX	Web
I XXXX XXXX am filing a complaint against XXXX, I have disputed a collection account several times with them despite me sending a proper documentation they still have yet to remove this fraud item from my credit report I have disputed this collection over XXXX times in the past XXXX months to no avail nothing is been done I have even sent a complaint with cfpb that didnt do anything they are still reporting this collections despite me sending the documentation, the item gets deleted and its placed right back on report The dates I sent documentation from current to past, I am victim id theft this really isnt right this collection is still reporting and I am providing proper legible documentation Collections : Fair collections & outsourcing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
09/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	PA 19020	Web
On reviewing a recent copy of my credit report, I noticed a collection account ( XXXX ) listed for Fair Collections & Outsourcing. Evidently, the account was sent to FCO in XX/XX/XXXX. As I had never received any correspondence from FCO or the Original Credit regarding this account, this account may not even belong to me. As I am cleaning up my credit report and am unsure if this account is mine, I emailed FCO on XX/XX/XXXX regarding this account. Upon receiving my email, they simply sent me a letter ( which uses a name I have not used in approximately XXXX years ) with a balance owed, a date to pay by, and an indication they would mark the account as " settled. '' This is the first communication I received regarding this account and it only came after I contacted them. Also, in their letter, they failed to indicate a right to dispute.
06/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21703	Web
while reviewing my credit report I saw a collection account listed. I contacted XXXX and they informed me it was a debt owed to XXXX XXXX. I contacted XXXX XXXX to get this debt validated with information confirming me and that is when I discovered the company was out of business. Prior to this debt being reported to a collection bureau I received notice from XXXX XXXX that my information was compromised in their system. I asked how did my information get into their system but was unsuccessful with getting a response afterwards. I have repeatedly disputed with all credit bureau and collection agency. The credit bureau always states they validated debt and recently stated the same. when asked their method I was told to contact the FTC. I know they did not validate with the reporting business because they have deceased all operations.
01/04/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21136	Web
I previously disputed three times about the company and orginal creditor XXXX XXXX. My signature was forged on documents sent to me, in which I informed the credit agency. sent pictures of proof as requested by Fair Collections and Outsourcing on XXXX They failed to respond to any letters, emails, or online complaints sent to credit report agencies as well to Fair Collections Outsourcing. Again, this account established with them was a fraud account, I did not sign any documents sent to them from XXXX XXXX. I never received any information on the debt in a timely manner nor in previous time from XXXX XXXX. They have failed to send me any proof within 30days of the debt in previous notices. The debt was placed directly on my credit report without any knowledge of debt or chance to dispute the debt directly with creditor or agency.
11/12/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 75227	Web
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.
10/26/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 31525	Web
I requested documentation from Fair Collections and Outsourcing regarding a debt that they are alleging that I owe and have placed on my credit. After careful examination of the documentation that they provided and the information that they are actually reporting to all 3 credit bureaus. I have found that they are reporting false and inaccurate information. The open date on the account is incorrect. They have listed the open date for the account as XXXX XXXX, 2012 yet they just added this to my credit report a few months ago. It is my understanding that no entity has the right to retain, report, transfer, sell utilize or else wise any outdated, untrue, inaccurate, physically unverifiable, fraudulent, misreported and or any non compliant allegations. I have documentation of all 3 reports with this inaccurate date being reported.
10/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DE 19720	Web
I have two accounts reporting on my credit report that are from third party collection agencies that I never consented to have my personal information. As well I found that these agencies are not legally licensed to do business in the state of Delaware and they harassed me into paying them money. I have reached out to them several times after I was made aware of my rights but they refuse to delete my information from their systems. Under section 15 U.S.C. 1681c-2 I believe this is identify theft and I would like this information removed from my credit reports. I sent out letters stating my claim and requested for the removal of my information from their systems and to stop reporting my confidential as I did not give them consent with no response or action. Most recent I sent out letter via certified mail to with no response.
07/24/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30252	Web
They told me I would have to talk to FCO Fair Collections & Outsourcing I have Tried calling Invitation Homes about this matter and explain what happen they refuse to do anything, I explain to FCO they said either i can pay what i don't owe or else they said i own {$9100.00} witch i was a Victim of Identity Thief I have all papers and Police Reports I filed an Identity Thief Report, Have Records of my Residents and other documents to my case. I also went to the Courts House the the Crime took place, occurring the the XXXX County Sheriff Department and ask about Judgment that was against me. The Notary that did it she didn't check ID of suspect. She told me this I am a XXXX myself and i know i have to check ID. They told me to seek a Lawyer I have Contact FCO many times and XXXX XXXX XXXX 4 many times to resolve this matter
08/27/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MD 20601	Web
I have written the debt collector several times. This is the most recent letter sent regarding this debt. Fair Collections & Outsourcing, Inc XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX RE:XXXX Dear Sir or Madam, According to Landlord-Tenant Law Residential Leases Statute of Limitations. In the 5-2 decision Maryland Courts of Appeals : The statute of limitations applicable to actions for back rent under residential leases is three years pursuant to Maryland Code. Based on the date which the account was placed for collection XX/XX/2016 the account XXXX XXXX XXXX I according to Maryland Code is to be deleted from all three credit reporting agencies ( XXXX, XXXX, & XXXX ) according to the statute of limitations. Please communicate regarding this account to the address mentioned below. XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
03/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 20646	Web
This debt collector participated in abusive and unfair practices of the FDCPA. They listed this account ( Fair Collections & Out ) that we did not agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in this transaction. This is unfair because they did not follow the 5 step validation procedure. According to the FDCPA, I am entitled to compensation of {$1000.00} per violation. This is evidently a violation of my rights. I demand this company to delete this account from all three credit reporting agencies ( XXXX, XXXX, and XXXX ) and compensate me for the violations for the account listed below. If the company does not comply I will have no choice but to forward this to my litigation attorney. Fair Collections & Out- XXXX ... {$5500.00} Thank you for your time.
08/20/2023	Yes	Debt collection Other debt	False statements or representation Told you not to respond to a lawsuit they filed against you	GA 30904	Web
XXXXI have proof of complaints sent by email to property owner and property manager due to conditions of property and myself and children health conditions from XXXX property was not occupied by tenant ( me ) XXXX Letter of intent was signed by myself and property manager XXXX I received and was informed not to respond/ disregard letter from evection notice from XXXX since we signed the Letter explaining I dont owe any debt on XXXX XXXX Debt collector contacted me- Fair Collection and Outsourcing XXXXattempted to dispute XXXX attempted to reaxh promperty manager no luck XXXX I went into office of XXXX XXXX XXXX no resoultion/ new property manager said she didnt want to waste my time its nothing they could do below i attached the original letter and what was signed and dated my former property manager XXXX XXXX on XXXX
02/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48227	Web
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
12/16/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48227	Web
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
01/31/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 076XX	Web
I moved out of the apartment I rented before lease expiration date as it was dangerous to continue living there. There was a crack in the concrete ceiling that was growing in length and width and the landlord refused to fix it. I paid for the months I lived there in full. The landlord demanded two additional rents plus {$300.00} and they reported ( and probably sold this 'debt ' to FCO ( debt collection agency ). The collector sent me a letter demanding to pay this money, I replied with a dispute letter explaining the situation and requesting debt verification. The collector didn't verify the debt and escalated the case to credit report agencies ruining my credit score. I believe they violated Fair Debt Collection Practices Act ( FDCPA ) ( section 1692g ) and XXXX XXXX XXXX Administrative Code ( section 20-493.2 ).
09/04/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD 20770	Web
fair collections and outsourcing reported a fraudulent account on my credit reports with all 3 credit bureaus. they have continuosly harrased me for about 6 weeks calling leavinf voicemails and numerous calls throughout the day about this debt supposedly owed to apartment complex XXXX XXXX XXXX. I was in no lease the lease was up and I decided to move because the new rent charges were aittle too t expensive and I couId n't afford to pay XXXX for a new lease. I have provided them with accurate and supporting documentation to support this debt that is not owed. I have provided them with the notice to vacate the premisis and they failed to provide this documentation to the apartment complex and said it was my debt and I need to pay it. Mr. XXXX XXXX was handling this case and have and still harrases me on a daily basis.
06/17/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 95008	Web
FCO has reported a collection on my credit report this year. I had no idea that I had a collection because I pay all my bills on time. I reached out to FCO who collected all my personal info, confirmed my address with them then stated their harassing calls to my home and work demanding a payment. I never received any collection letters I didn't know I could dispute the amount ... I finally gave up and agreed to pay the amount in lieu of deletion. FCO agreed to settle but did NOT issue any settlement letters or deletion letters. FCO told me they would only issue a deletion letter if I paid immediately over the phone, which I did. Now they are refusing to issue any letters or to delete this account in its entirety from my credit report. I paid but didn't get what we agreed on. Still no letters from them, please help ...
09/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19154	Web
Fair Collections & Outsourcing received an alleged debt for an apartment lease I cosigned for. While I believe the debt it self is inaccurate, as I only agreed to a one year lease, the biggest issue is them reporting this to my credit report. They are weaponizing the credit report. At no time did they, or their client XXXX XXXX ever report the over 18 months of positive payments made. At no time did they ever say the account was XXXX, XXXX, XXXX or 120 days delinquent. They just simply placed this on my report as a chargeoff, plummeting my credit score. The use of a credit report and or credit score to collect money is wrong! it is borderline harassment and extortion! At no time was I ever made aware there was a delinquency until XXXX months ago, and the tenant I helped has been out of the complex for over 2 years!
08/05/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MI 48235	Web
I received a letter in the from FCA, Fair Collections & Outsourcing. The letter was dated XX/XX/2021. The debt was for {$2300.00} for unpaid rent and fees for an apartment in XXXX, Indiana. I phoned the company on XX/XX/2021 and spoke with representative. I requested to speak with the manager. I explained to the representative that they have the wrong person. The representative insisted that I was not being truthful. She asked for my birthday and address. She looked at her screen only to see that the birthdays did not match. The next day, I phoned the apartment XXXX XXXX in XXXX as well as the property management company, XXXX XXXX in XXXX, Maryland. They apologized but this information is affecting my credit score. They say that they will fix it. Nothing has been done. I need this matter to be resolved immediately.
04/13/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MI 49509	Web
Have filed complaint twice now. This will be third. They have violated FDCPA law which stated they must contact me within 5 days with written proof of debt after initial contact. Which was when they sent this to collection which was either on XX/XX/XXXX and they have sent me a pdf of a letter they claim they sent that I never received with a date on it as XX/XX/XXXX and obtained the debt XX/XX/XXXX according to them and started reporting in XX/XX/XXXX and all this without proof. The date that shows on the credit report curious enough is XX/XX/XXXX. They claim they have no control over what the credit bureaus report but I see no reason as to why the credit bureaus would report it before they even sent thethe debt in question to collection or how they wouldn't have control since it is refreshed by them every month.
10/23/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11230	Web
FAIR COLLECTIONS & OUTSOURCING XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX {$3500.00} this account not mine i try to called few times the dont have any contract with my name not the full ss then when they told me to verify my self they asked for the full ss number and they write it down on my account i never did any business with the company that they represent i disputed several times with the credit BUREAU i filed identity theft report nothing helps and its keep coming back as verified i keep asking them how they verified and the telling me that the collection agency verifying it i dont know what to do anymore im trying to buy a house and its stopping me and making me lose money every year my XXXX XXXX dropping and staying low bc of this account please help me to remove it very truly yours XXXX XXXX
04/12/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NV 89102	Web
We resided at the XXXX XXXX apartments. My other half didnt pay his portion of the rent. We were given the option by upper management to vacate the unit and they would not process an eviction also stated that we would owe anything if we vacated the premises. We cleaned up The apartment the same way it was given to us and had the carpets done. We were told to leave the keys in the apartment on the counter. We vacated the apartment and did exactly as we were told and left the place emaculate. Even cleaned their nasty fridge they gave us. The apartment was in Prestine condition compared to when we moved in. Management rented the place the next day. They collected on our deposit XXXX and they charged us for back rent which they told us they wouldnt as long as we left and vacated the unit. We did exactly that.
05/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92307	Web
XXXX XXXX XXXX XXXX XXXXXXXX has illegally sent me to Fair Collections & Outsourcing of New England, Inc XXXX to collect {$4800.00} for a debt that belongs to my ex-wife XXXX XXXX. XXXX moved there XXXX. I moved in with her XX/XX/XXXX and was added to the lease. We divorced XX/XX/XXXX where as I removed myself from the lease via email as well as by a XXXX agreement in XX/XX/XXXX at the instruction of the Leasing Business Manager XXXX. I returned to XXXX California. XXXX actually remarried and moved out this XX/XX/XXXX and filed bankruptcy. XXXX XXXX XXXX XXXX XXXX can't collect from her due to the bankruptcy so they are trying to defraud me and illegally send me to collections for a debt that does not belong to me because I relinquished responsibility responsibility when I removed myself from her lease.
08/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32792	Web
On XX/XX/XXXX, I moved from a apartment complex called XXXX XXXX. Upon moving out I was advised I owed XXXX dollars. Two years later approximately I received an alert from XXXX XXXX, advising me I had a collection item on my credit upon research I found FCO had put a collection item on my report. I immediately contacted both the leasing office and apartment complex to find out why I the debt was not communicated with me as per my consumer rights. No answer was given, instead I was told if i paid {$150.00} it would be removed. I obliged due to the amount and as I wanted the item removed. I am sad to say its XX/XX/XXXX and up to todays date FCO has not removed the item as their previous rep advised me ; and I am being denied credit due to this delinquency. Which lenders are citing as a reason to deny me.
02/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21236	Web
XXXX XXXX # XXXX I don't have a contract with my signature attached and this is not my mine and asking to remove I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately investigated. These inaccuracies are highly injurious to my credit rating. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Based on Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.
06/06/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OR 97060	Web
I have requested verification/validation of the debt FCO is attempting to collect from me - I am not familiar with their company and have never entered into an agreement with them. On X/X/2017 - I requested verification - they sent me a contract that was incomplete and not enough information to identify this debt as mine. OnXX/XX/XXXX I requested information a second time to clarify my original request - they sent me a bill/statement with no additional information even though it appears the statute of limitations have expired for this debt They have not provided enough information to verify this debt - this account is negatively affecting my ability to get credit. In addition, they have failed to mark my credit reports recognizing my dispute on all the credit reports they are maintaining this account.
04/06/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30909	Web
I moved out of XXXX XXXX XXXX XXXX in XXXX of 2019. In XXXX of 2019, I received a bill for damages for {$100.00}. I was not aware of any damages, so I asked them to provide proof of the damages and I would happily pay them. XXXX XXXX XXXX XXXX informed me that they could NOT prove there were any damages and couldn't provide any proof of damages. I asked them to withdraw their request for payment due to it being fraudulent and false, and they refused, even though there are NO damages. They then sent me to collections ( Fair Collections and Outsourcing ) who then reported me to all three credit bureaus and severely damaged my credit. Attempts to contact and explain the situation to Fair Collections and Outsourcing were met with a repeated response of " pay or we will damage your credit further ''.
12/01/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 95035	Web
Notice has been sent to by FCO ( Fair Collections & outsourcing ) saying charge of {$620.00} To " The XXXXXXXX XXXX XXXX XXXXXXXX XXXX '' I have made application to apartment but I have never moved-in or signed any lease for the apartment, The apartment complex has charged XXXX $ as move out or cancellation fee, After making application, i did not like the apartments, i never moved-in, I don't understand these charges on my account, I have called apartment company and collection agency and explained, that i did not authorize those charges, I don't understand those charges, Over the phone collection agency mentioned if i don't pay, they will report to credit agency, I have disputed on collection agency, today at XX/XX/2022, Collection agency mentioned that, they have to reported to credit bureaus.
08/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	MI 48214	Web
We rented a home from XXXX XXXX XXXX which we did a signed contract then renewed with XXXX XXXX and it went into default for {$1500.00} in XXXX of XXXX and we moved out. 7 Years later we now see Fair Collections for Invitation Homes ( which we never signed a contract with ) on our credit report for over {$2600.00} for this same address in default for XX/XX/XXXX which is ALL INACCURATE and should be removed completely. We are trying to get a bigger home for our terminally ill parent to live with us and this is causing so much strain to complete thjs process. We have contacted XXXXXXXX XXXX directly and they have responded stating their accounting department says we have to go through Fair Collections which has been very unsuccessful to say the least. They too agree the dates are not correct.
11/30/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	DC 20002	Web
I have lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX for this year and never received a letter to my home address. I went back to the old address in XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and checked to see if the debt notification mail was sent there and it was not. I received mail dating back to XX/XX/2022 but none from Fair and O collections. With those being my only two address I do not think Fair and O Collections did their due diligence in notifying me of the debt or showed me any proof that it was legitimate before reporting me to the bureaus. With that said, I think that is unfair and against The Fair Debt Collection Practices Act. I would like them to show proof ( mail receipt and proof of delivery ) that they tried to contact me and provide me proper notice of this debt.
08/13/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NJ 07083	Web
I contacted the Fair Collections Outsourcing on XX/XX/XXXX in regards to a phone call I received about a debt. I asked what the debt was for and I did not recognize the company name that was provided. The collection representative did not disclose what the debt was for. He only told me that I owed {$120.00}. I advised that I was not aware of the debt and asked that he send me a notification as I had not received one. He was combative and indicated that I had made a payment on the debt in XXXX but he still did not tell me what it was for. He finally conceded to sending a notification of the debt. It has been almost a week and I have not received anything. I asked for the name of the company that he worked for and he provided but when I asked where they were located he disconnected the line.
11/12/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	UT 84103	Web
Dear Fair Collections and Outsourcing : I am responding to your contact about a debt you are trying to collect. I recently pulled a credit report and saw that there is a collection out for {$93.00}. XXXX XXXX University is the original creditor and the classification is medical or health care. I have not been contacted ever regarding this debt, either by the original creditor or the collection agency. I would have been happy to pay the creditor originally if it had been brought to my attention. I would like more information to understand if this collection is legitimate and if I should pay. I reached out personally to " Fair Collections and Outsourcing '' in the form of a letter in XXXX and have mail confirmation that they received the original letter. I have not heard any response back.
05/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	VA 22204	Web
XXXX XXXX and I dispute the amount of damages owed me and offsetting rent. Rather than resolve this dispute, XXXX turned over their claim to Fair Collections and Outsourcing for collections. The amount owed is undetermined and unresolved, yet XXXX chose to intimidate me by misrepresenting to FCO that I owed money. XXXX engaged in deceptive business practices, fraud, destroyed my personal property, and committed numerous violations of the XXXX Housing Code. They also accused me of damaging the premises, a claim that is impossible to substantiate due to construction in the building initiated by XXXX themselves. XXXX also removed services and amenities advertised to me when renewing my lease. This constitutes a misrepresentation of material facts on which I relied. This is common law fraud.
06/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30350	Web
I reviewed my credit information and notice an error on my account from an apartment complex I stayed in years ago. The complex back then was called " XXXX '' and is now called " XXXX ''. I had email correspondence with the complex regarding my concerns dealing with the apartment before I moved out back in 2008 and was reassured I had nothing to worry about because those issues are not mine and on the complex. I am looking at my credit report and see a charge for XXXX that should n't be there because we left out with a walk through completed and was stated that we had nothing to worry about. We were also given back out security deposit as well when we moved out. The company that is showing on my collections with XXXX is : FAIR COLLECTIONS XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
02/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MI 48089	Web
I have a collections account from XXXX apartments that I have no knowledge of. I had a lease that was satisfied at the end as per the contract. A coupl months went by and then I received a notice I was in collections for XXXX. I have no idea what it 's for, never received an invoice phone call or any communication stating they felt I owed them anything. I spoke to them via texts which I still have, I spoke in person when I turned over the key, I had no knowledge or chance to pay the debt had I felt it a reasonable debt belonging to me. I have suffered financially due to higher interest rates and it being able to obtain credit for things I may have been able to because of the actions of the company. I think they are in violation of fdcpa section XXXX ( b ) failing to validate the debt
07/14/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30012	Web
Tried to reach out to company with Better Business on XXXX/XXXX/17 ; two attempts were made with no response. Advised the company of the following : This company which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$7500.00} with XXXX, XXXX, & XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am no obligated to pay for the alleged debt. Per statement it has been determined you can not verify this account and are in violation of the Fair Credit Reporting Act 611 ( a ) { 15 USC 1681i ( a ).
03/05/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	ID 83647	Web	Servicemember
This is an attempt to nickel & dime me, this has been a problem for years. No one will return my phone call when they find out what has happen. This was an apartment I had while l in the military I never stayed in the apartment I was getting ready to XXXX the apartment was for my return. This is a cleaning fee for a clean apartment. Liars ; at the time they said they found dog XXXX that is a lie I never stayed in the apartment I was getting ready to XXXX to XXXX. I was hurt during training so I had to stay with a friend to take care of me until I was discharged from the XXXX. I even met with the maintenance man he cleared me, laughed because he said, well this is the easiest inspection I have ever had. I never moved in, this is on my credit report for {$320.00} dollars its a con.
09/14/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 193XX	Web
I have disputed this debt with all the credit bureaus as well as a direct dispute to the collection agency via certified mail. They have never responded to my dispute and they have allegedly verified this debt as reporting 100 % accurate to the credit bureaus. I have disputed the balance multiple times with the bureaus and they verified it. I do not agree. I have asked them for the original contract to see if they are legally allowed to add the absorbent collection fees they have added. And they never responded to my dispute with in 30 days as required by law. In the past they have called and harassed my grandparents to try to get a hold of me. I am fed up with this company. This is my last step before i turn this over to my consumer protection attorney to file suit against them.
09/23/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NM 87111	Web
I moved out of the XXXX XXXX XXXX XXXX, owned by XXXX XXXX XXXX in XX/XX/2020. I received a bill from XXXX XXXX XXXX of {$780.00} for carpet replacement and an unpaid water bill. I paid the water bill of {$320.00} and sent them a check for the remaining {$450.00} in XX/XX/2020. The water company received my payment and XXXX XXXX XXXX cashed my check, which I can verify through my XX/XX/2020 bank statement. I received a bill of {$780.00} from a debt collection agency on XX/XX/2020. I called the debt collection agency to dispute the debt, since I had paid the water bill and the remaining balance, and left a voicemail. I then called XXXX XXXX XXXX to alert them that I had paid the debt. XXXX XXXX informed me that I owed an additional {$780.00} and she would not settle the debt.
07/05/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 20910	Web	Servicemember
I moved from an apartment complex at which I had lived for about 15 years. I gave the complex more than 30 days notice. They contend that I needed to give them 60 days notice but could not produce an updated signed lease that stated that a 60 day notice was required. The complex says I owe more than 30 days rent, even though I have the required 30 days notice and the apartment was rented soon after I departed. The complex then sent the file to a collections agency called FCO ( www.fco.com ). I have asked FCO to send me validation/verification of the debt. A couple of times they sent me something illegible ; another time they sent me a lease that I had not signed. The have reported the collection account to my credit report and it is affecting my credit and lowering my score.
07/07/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60623	Web
I resided at XXXX XXXX dorms from Fall XX/XX/XXXX to Spring XX/XX/XXXX and left afterwards In XX/XX/XXXX, my wallet was stolen ( contents included Social Security number, Drivers license, Bank card, medical card and state ID. ) Police report was filed and credit bureaus were alerted for potential fraud issues XX/XX/XXXX, I began to receive letters from FCO collections agency stating that I owed a balance of {$6200.00} from the XX/XX/XXXX school year, 4-5 years after my departure from the area. Today, I contacted theXX/XX/XXXX in regards to the matter and it was made known to me that another person has a similar name to my own. I disputed the account on my credit report as well as sent an email to FCO. Also called the service accounts department to alert them of this matter.
08/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29418	Web
Fair Collections & O is showing a leasing management balance of {$5900.00}. I vacated the rental property address : XXXX XXXX XXXX, XXXX, SC, XXXX managed by XXXX in 2016. I have never received a statement with any itemization of damages or fees, etc. The South Carolina Residential Landlord and Tenant Act, ARTICLE 3, Landlord Obligations, SECTION 27-40-410. Security deposits ; prepaid rent states : ... Any deduction from the security/rental deposit must be itemized by the landlord in a written notice to the tenant together with the amount due, if any, within thirty days after termination of the tenancy and delivery of possession and demand by the tenant, whichever is later... Because they failed to provide the written documentation the fictitious charges need to be removed.
06/08/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MA 021XX	Web
FCO ( Fair Collections & Outsourcing ) Account # XXXX They sent me a letter dated XX/XX/XXXX offering to satisy for 20 % off my alleged debt of {$2300.00} of {$1800.00}. Although the XXXX is an incorrect amount. I was willing to pay this due to the urgency of needing this off of my record. I called them to pay the {$1800.00} as they offered and they told me that offer is no longer available that it ended on XX/XX/XXXX. Multiple letters were sent to my house, none of which stated there was an end date of this offer. Once I was financially able to make the paymetn of {$1800.00} I called FCO. Now due to this fraud I lost my apartment that I applied for and I have to be out of my current apartment in 2 weeks. Who knows if I will have a place to live now. Thank you, XXXX XXXX
04/01/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened arrest/jail if do not pay	NH 03038	Web
XXXX XXXX from XXXX called and stated that my check did not go through. I told him that I apologized and that this bill is not the only XXXX. I had XXXX other checks not go through but the money was there. I do n't not carry my debit card on me.. I told him that I was going to call the bank and see what is happening. He said exuse me. Phone line then got disconnect. Meanwhile he is calling me while I am at work. He called XXXX times demanding to speak to my boss. He wanted his phone number and demanded that he speakes with him. My coworker stated that I was unavailable and that he need not to be calling a business and clogging up phone lines.He then called my dad stating that he was going to have me arrested for writing a bad check. and I had till XXXX to get back to him.
08/09/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77077	Web
On XX/XX/XXXX I mailed a debt validation letter to Fair Collections & Outsourcing , Inc . On XX/XX/XXXX Fair Collections & Outsourcing, Inc. mailed information they have on file regarding the account. The information Fair Collections & Outsourcing , Inc. provided contained TWO DIFFERENT SIGNATURES which they are claiming to be mine. It is clear that someone has forged my signature on a document they are using to attempt to validate the debt and collect with. I do not wish to impugn the integrity of any employee at Fair Collections & Outsourcing, Inc or the original creditor but someone has forged my signature on a contract. This unlawful act and collection tactic are unacceptable. I have attached pictures of the information Fair Collections & Outsourcing, Inc mailed me.
11/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 91364	Web
I have obtained several emails and had countless phone calls from XXXX, representing a client that owns apartments buildings, in which I lived in for a period of time. During the time of me living there, there was a flood, in which the apartment was found uninhabitable, and my insurance company paid out a tremendous sum to the non named Apartment Complex during the claim in which no one admitted fault. ( The flood happened while I was not home ) After my insurance company paid the claim. I received very specific documentation that I was relinquished of any and all obligation I had toward that Apartment Complex. Specifically, any and all forms of payment I owed to them. This Document I obtained surely speaks for itself. Yet This Company is still after me for more money.
11/01/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	AR XXXXX	Web
I saw a Collections record on my credit report posted on XX/XX/XXXX by Fair Collections & Out. The agency never sent me a single debt validation letter or intimation regarding this record via any phone call, email or postal mail to my physical address. On enquiring further on XX/XX/, they informed me that they sent 2 letters to an address where I lived more than a year ago, and never called despite having my phone number in their records. They even had my current physical address in records but someone in their system sent the letters to the old address and never checked if these letters were received. Because of their internal issues, I was never given a chance to validate or verify what the debt is about, and a Collections record has been added to my credit report.
06/22/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	IL 606XX	Web
This company made an unauthorized attempt to withdraw money from my bank account for a debt that was being disputed with a property manager. They also threatened it would damage my credit if I do not pay them. After receiving notification from my bank that there was a charge of over {$4000.00} being withdrawn from my bank, I contacted Fair Collections and Outsourcing Inc. ( FCO ). They pulled the call and realized this was an unauthorized transaction. Supposedly the employee was terminated. I have been very transparent with them and always working with them to resolve the remaining debt. Now, they just give me the run around when I am try to review this situation. As if " it never happened ''. This is deceptive practice. I am sure all the calls have been recorded.
11/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32765	Web	Servicemember
A collection agency called FCO claims that i owe XXXX to a property by the name of XXXX XXXXs. I had provided them with a sworn affidavit, police report, proof of address at the time of the claim and as well as utility bills from the actual address that was residing at the time and they still continue to say that the account its mine by just providing me with a fraudulent lease. I also explained to them that Ive been the victim of identity theft and the fact they could see my actual lease and records from the address that I was leaving at during the time of the claim and still they refused to remove it from credit and they continue to harass me on a daily basis. I had provided evidence, spoken to them over the phone numerous times but nothing seems to be resolved.
05/14/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	VA 22182	Web
received notice of outstanding debt in the amount of {$2800.00}, on behalf of " XXXX XXXX XXXX XXXX " XXXX XXXX XXXX XXXX When moving out, all finances have been settled, a " move out protocol '' has not been issued and no repairs were requested before move out. Any alleged repairs conducted after and not even informed or coordinated are not acceptable. Debt collector FCO, XXXX Md, issued the debt notice, upon phone call onXX/XX/ was informed that the debt has been " disputed '' ( not by me, so by whom? ), and today received ledger thru FCO from apartment company, with statements i am unable to confirm. My address and phone credentials have not changed since XXXX ( I was rent guarantor ), and have not been contacted by the rental company at all in the meantime.,
11/23/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75150	Web
My information was used to obtain a lease at XXXX XXXX XXXX in XXXX Texas. I have contacted XXXX and demanded the information for this account. They do not even have my social security on file for said account, they have some other number NOT mine! My ssn ends in XXXX, the person they gave this lease to has another social. Remove this from my credit profile because it is not my account I have never lived in XXXX. I am attaching my FTC report and my police report for this. I am attaching my current lease in XXXX since XXXX. I did not sign a lease with XXXX in XXXX! XXXX XXXX XXXX has never even pulled my credit ever because they never leased to me! They need to match the social they have on their record to my credit file and they can not! This is identity theft.
12/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	DC 200XX	Web	Servicemember
Based on the lawsuit filed on XX/XX/2019. Case XXXX the company is still failing to conduct reasonable investigations and reporting false/inaccurate information to the Credit Reporting Agencies. They never contacted me nor provided me with any accurate documentation of the alleged debt. The amounts that are said to be owed are incorrect. I also had a security deposit that was not given back and I am assuming was applied to the prorated amount that was owed. I do dispute the amount that is said to be owed and do not owe said amount. I have disputed the account several times and the incorrect amount has been lowered but is still not accurate. The collection account from Fair Collection & Outsourcing is showing an open status and balance which is incorrect.
09/25/2023	Yes	Debt collection Rental debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MA 02368	Web
On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This company has tried contacting me multiple times and has even left me voicemails. The gentleman I spoke to was extremely rude he told me I owed a random debt of {$3300.00} from a old apartment i havent lived at in 6 months. He threatened me if I did not pay said debt it would go on my credit report. I didnt not receive any letter until weeks later. The letter had a random amount and did was not itemized and did not specify what the charges were for or when it was for. This company is not an accredited debt collector. They have been sued numerous times. I refuse to pay a debt that is not mine or one that has little to no information. I have filled a dispute with the company and have yet to hear back.
01/07/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 08016	Web
FCO will not remove an apartment rental from my credit report although provided correspondence from the prior leasing office. Also FCO failed to provide copies of actual correspondence from XXXX XXXX XXXX indicating that I do actually owe this debt. FCO only sends an expired and voided lease from XXXX and a ledger even though the email from the leasing office indicates my balance is {$0.00}. Also contacted XXXX XXXX, they confirmed they have sold the property, have sold off debt and no longer the owner of any accounts from XXXX and the past. When I have informed FCO they have ignored the request and updates the collection account as " new '' on my credit report. Due to their actions, my credit has been compromised and led to declination of credit lending.
12/29/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33914	Web
I have called this company and I have requested multiple times to have the verification of this account sent to me. I have never received anything from this company I do not know why this is on my credit bureau and I dont even know what Im being billed for. I do not get an answer back from the company I have called multiple times I have emailed them and I have tried to dispute this with you people multiple times as well and I get nowhere. I am seriously so done dealing with this somebody needs to get back to me and we need to figure out what this is and what Im being charged for. This is unacceptable. I am requesting information on the collection account fair collections and out. It says the original creditor is XXXX XXXX- I dont know what that is.
09/21/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	TX 78224	Web
There is information that is on my consumer report that a result of identity theft. I did not provide written permission or instruction for the identified items to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transaction by me as the consumer. XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the day of this notice. I look forward to your response. Thank you, XXXX XXXX
10/04/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 309XX	Web	Servicemember
On XX/XX/2016, I was given the go ahead to buyout my rental lease and was given the information that I must pay approximately {$2300.00} and be out by the end of XX/XX/2016. I paid that total and still had a {$1000.00} deposit to apply to any damages. When we left we took pictures and there was nothing wrong with the house, but then they put on our credit report that we owe over {$1600.00}. They send a detail statement that says we owe for painting a house that we have been there for over 2.5 years and the original company was brought out by two other companies and no one came to do a walk through from previous XXXX. I have tried numerous times to rectify with current company, but they have sold to a third party and they have no idea the situation.
07/04/2023	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive notice of right to dispute	FL 33138	Web
This collections is rental dispute from XXXX XXXX from XXXX NJ. Several times of complaints to the building of entry without permission. Finding my door open two times, without any calls, they have my cell number/work number. I felt unsafe and violated, and spoke to management to break my lease due to me feeling this way. At the time of me leaving I also found out that maintenance, was evolved in a police investigation of breaking into peoples apartments while the tenant was at work in one of the buildings they have access to next door the XXXX. So Management at the time, said it was ok for me to go, due to me feeling very uncomfortable, they kept my security, and did not give me any other solutions or warned me of the collections that I have now.
11/30/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77346	Web
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.
07/23/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MD 21213	Web	Servicemember
I sent multiple validation/verification letters to this company requesting proof of my signature stating that I indeed owe this debt by contract with this company. I have attempted to make contact by letter on three occasions. I have yet to get any response from this company and it has been 90 days with no communication. I have sent letters to XXXX and to XXXX that in return is stating the account is verified and nothing else, they are neglecting to correctly verify this account is truly mine. I do know according to FCRA that I should be receiving proof that I did create this debt. I never received anything from this company or any company for that matter regarding this debt. I checked my credit and that is the only reason I know of this debt.
08/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 23454	Web	Servicemember
I have written this collection company three time about the debt they claim I owe them. I asked them to send me proof of validation that shows that the debt is mine. Instead, they send me paper statements with someone else name on it as proof that the debt belong to me. their company name wasn't even on none of the statement they sent. I have reached out to them three time already to resolve this problem, they have refused to comply to the FCRA rules. before I take this case any further, I decide to summit a complaint firs before I contact them for a forth time. if they still refused to delete this account from my report that leave me no choice but to press charge against their company for the damage they have cause to my credit report.
06/25/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32824	Web
The company did not send validation of the debt in writing within 30 days of initial contact The company did not have permission to contact me. The company did not satisfy my request to validate the debt as the following were not provided : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Commission for debt collector if collection efforts are successful.
09/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX XXXXX	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
05/04/2022	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	VA 22079	Web	Servicemember
FAIR COLLECTIONS & OUTSOURCING Date opened XX/XX/2022 Balance {$10000.00} I sent Fair Collections & Outsourcing a certified letter requesting they validate the debt they placed me in collections for. They've acknowledged reciept and have not provided me debt validation. When i call, I am placed on hold until the call is eventually ended on their side. I am given email address to request information from that do not exist. I was given the following emails over multiple calls and none of them work or exist. It has been 4 months since first being advised and they have done nothing to try and clear or provide information regarding this debt. Emails I was given for my account manager are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
07/12/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30127	Web
I have sent many disputes to the Credit Agencies and to Fair Collections and Out in regards to the account that they are reporting on my credit file. I have informed them many times that this account do not belong to me. I contacted the Credit Agencies and they stated that Fair Collections and Out verified that this account is accurate. But it is ironic how Fair Collections and Out will respond to the Credit Agencies but not to me. It seems to me as if they are intentionally disregarding all of my letters and the FCRA laws. I have also sent them a Fraud Affidavit and still no response from Fair Collections and Out. Not to mention, this account is still reporting on my credit file. I need your assistance in getting this matter resolved.
08/24/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NJ 07060	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX and XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
05/15/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IL 60586	Web
The original creditor, XXXX XXXX, charged off a false amount of debt in the amount of {$8900.00}, then sent a file over to Fair Collections and Outsourcing, who attempted to collect {$8900.00} as well. Once I found out, I contacted XXXX XXXX, proving to them that their {$8900.00} was completely inaccurate, and that they kept my security deposit. Instead of resolving this issue fully and recalling the debt from the collector, Invitation sent Fair Collections and Outsourcing a new amount of {$3600.00}, which is still inaccurate. Fair Credit and Outsourcing refuses to verify the debt they claim I owe, and will not delete their collection from my credit file. This is unfair, as I do not owe either company {$3600.00} or any other debt.
10/28/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60411	Web	Servicemember
To Whom It May Concern, I am writing to dispute an account on my credit report that was opened fraudulently using my personal information. Ive tried filing a dispute many times with both the credit bureau XXXX XXXX and the actual company but still nothing has changed. My name is XXXX XXXX, and i was a victim of identity theft. The account in question does not belong to me, and I have never authorized its creation. I believe this is a result of identity theft. Please investigate this matter promptly and remove the fraudulent account from my credit report. I request copies of all documents related to this dispute. Thank you for your immediate attention to this matter. The name of the company is XXXX XXXX and out by XXXX XXXX XXXX.
09/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 73034	Web	Servicemember
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. \| never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report.
09/11/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	DC 20032	Web
On XX/XX/XXXX I received email alerts from XXXX, XXXX & XXXX that Fair Collection & Outsourcing was reporting a " Collection '' debt in the amount of {$8100.00} from a creditor name ( XXXX XXXX ) opened XX/XX/XXXX. I recently visited the XXXX XXXX XXXX XXXX ( Management Company for XXXX XXXX ), as I have never heard of this company or done any business with them. The Property Manager ( XXXX XXXX ) have stated they have no records of me leasing with them in XX/XX/2019, or me owing a balance with them. I have also visited the same day the XXXX County court house in XXXX, MD to see if I have a public judgement of any kind ( which would have been reported on my credit report by XXXX XXXX if I owe them ) but there is no judgement.
06/30/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 94002	Web
I have been disputing this collection since XXXX and beyond and collection company has been reporting negatives to XXXX XXXX and XXXX . This debt collection belongs to my dad XXXX XXXX XXXX in which he filed a Bankruptcy chapter XXXX on XXXX XXXX in Federal Court and it was discharged on XXXX XXXX . The amount of {$3700.00} has been terminated in Bankruptcy chapter XXXX ..The Bankruptcy chapter XXXX file case number is XXXX . I am a single mom with XXXX children can not afford to pay debt or have any negatives on my credit report..Please contact my dad for any information on XXXX XXXX Apartment debt in XXXX california .This debt is al so on my mom XXXX XXXX and my sister XXXX XXXX
02/28/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 34668	Web
On XX/XX/2015 I had no other choice but to terminate my apartment lease. It was an unsafe environment for my family, surrounded with drug dealers & thief 's. The collection company FCO collecting on behalf of XXXX XXXX XXXX is reporting inaccurate information to my credit report & attempting to collect debt that is not valid. In the debt validation response I have received from FCO it clearly shows that I signed a addendum called " Florida liquidated damages/Early termination addendum '' that maximum amount I would be charged with or without a 30 day notice is {$1000.00}. The move-out statement shows a charge for early termination of {$1400.00}, also a random charge with no explanation " rebill '' in the amount of {$400.00}.
11/30/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77346	Web
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.
10/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 34714	Web
I opened a dispute with XXXX 3 different times, the most recent being on XX/XX/XXXX. I specifically told them I had documentation showing that I should have never been reported to Fair Collection and Outsourcing. However, even before XXXX or the collection agency had a chance to look at it, XXXX would close the dispute stating that nothing had changed. The written agreement ( which I will attach ) between myself and XXXX XXXX XXXX stated that I could break my lease on XX/XX/XXXX as long as I was out by the XX/XX/XXXX and I was not getting my security deposit back. I was not getting evicted and I was not supposed to get charged any other expenses. This needs to get resolved as it is affecting everything in my life.
06/16/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 335XX	Web
I received a collection notice from XXXX XXXX XXXX XXXX about a balance of {$130.00} from a collection agency for XXXX XXXX I have never heard or delt with this person I called the collection office twice the last time was today XXXX / XXXX / 2017 and spoke with a gentleman who I have my info to and he stated to me that the person who owes this bill is XXXX XXXX I advise the gentleman that was not me as I also stated the first time I called the gentleman ask me if I contacted the credit bureau to dispute I told him I did and that this is not a good look on my credit report because this balance is not mines I have called them twice and also disputed twice with the credit bureau but nothing has happen
06/11/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60139	Web	Older American
when moved out of our apartment we had the carpet cleaned but the community wanted us to replaced the carpet in the whole apartment because XXXX room had a stain that the cleaning people could not get out. So we refuse to pay them so they put us in collection. Also we moved into XXXX of their apartment in XX/XX/XXXX we move out in XX/XX/XXXX we went back in the apartment on the XX/XX/XXXX to clean the carpet they are trying to collect two months of utilities and charge us 3 days of rent how can you owe them two month of utilities when it is paid with you rent and I do n't know where the get the three days of rent from but they have us in collection for this too. We need some help on how to get these collection off of us.
04/27/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 94534	Web
FAIR COLLECTIONS & OUT Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. I WANT A COPY OF FAIR COLLECTION AGREEMENT/CONTRACT WITH MY SIGNATURE. I HAVE ASKED IN 4 SEPARATE CERTIFIED LETTERS TO XXXX FOR SIGNED CONTRACTS/AGREEMENTS FROM THIS COMPANY SHOWING THEY HAVE A CONTRACT WITH ME FOR SUCH DEBT. I CAN'T GET XXXX TO COOPERATE AND FORWARD. LEGALLY THEY ARE IN VIOLATION OF MY RIGHTS TO SUCH COMMUNICATIONS AND DOCUMENTS. WILL BE FILING A LAWSUIT FOR THIS INFORMATION AND TO RECOVER LEGAL FEES INCURRED DUE TO THEIR NEGLIGENCE CC ; LEGAL FILE
09/06/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY XXXXX	Web
This account was paid and the collection company agreed to delete but years later the company has left this record open on my credit report to harm me. Please help me get this removed from my credit report because its harming my score and causing me to get higher rates on credit cards, increasing the likelihood of declined credit applications, and harming my ability to show credit worthiness to anyone who reviews my credit report and sees this collection record. This collection record was created due to a dispute with the apartment complex manager which was eventually settled, and even later on years after the collections was issued my family moved back to the complex, yet this collection blemish remains on my report.
04/12/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 07302	Web	Servicemember
I have paid this debt in full with the original owner, XXXX XXXX and they agreed it would be taken off my report. However there is a company that is still reporting this debt on my report and they refuse to remove it, even though the original debt owner agreed to remove this. Original owner that I didn't know I owed was XXXX XXXX, they have been paid in full once I knew I owed them any money. The debt reporting company is named FAIR COLLECTIONS AND OUT XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX I asked them multiple times to remove this, they say it shows paid but still feel the need to keep a collections record about it for 7 years. They were not owed the debt and have no knowledge of these matters.
03/15/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CO 80020	Web
On XX/XX/2021 I deposited my apartment keys in the rental slot with a notice of XXXX XXXX. I was unable to fulfill my lease obligations due to my income being insufficient beyond my control with the rent increase, food increase, due to inflation caused by the Covid 19 pandemic. I received a {$6000.00} bill for only lease violations. There was absolutely no bill due to XXXX XXXXXXXX actually losing money or damages due to the not staying out the entire lease period. I have reason to believe that apartment was rented the same day at {$2200.00} or more the market rate. My rent was {$1500.00}. XXXX XXXX profited by my loss. XXXX XXXX should be attempting to return my security deposit instead of being unscrupulous.
12/31/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92612	Web
In XX/XX/2017 we moved out of XXXX XXXX XXXX XXXX from XXXX CA. We disputed the final settlement amount in XXXX XXXX small claims court. We paid the disputed amount in full directly to the XXXX XXXX XXXX homes after court ruling. Please see the supporting documents which shows no dues. However, Fair Collections & Outsourcing ( FCO ) reported a collection account to credit agencies and later marked it as paid in full. We never interacted with FCO or paid anything to them. The account is closed by the apartment company satisfactorily and we still live in another apartment with the same company. I tried to reach out to FCO to resolve this but they were very unprofessional and absolutely denied to look in to this.
03/20/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MS 39532	Web
I received a letter from Fair Collections and Outsourcing on XX/XX/23. Not much information was provided in the letter other than it was a debt owed to another company. I mailed them a letter via Overnight mail on XX/XX/23. In this letter I requested information to verify the debt and to provide a copy of the last billing statement that shows how the debt amount was calculated. I have never received a response from Fair Collections and Outsourcing and now they have placed a collections on my credit report even though this debt is currently in dispute. I simply want proof as to who this company is, why I owe this debt and how they came up with the amount owed and so far I have never received this information.
09/12/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29108	Web
On XX/XX/12 I applied and was rejected due to FCO reporting FALSE information. I contact the supposed creditor and they could NOT validate my information. I emailed FCO over 20 times and have yet to receive a response. I called them with the original creditor on the phone and they also spoke without me on the phone, but yet nothing has been done! These frauds are causing me emotional and financial trauma due to their fraud! They are also REFUSING to provide me with the information they have.. instead insisting that I send them information.. These fraudsters just want my real info so that they can adjust in their system! how can you have a different social than the original creditor?? THAT'S BLATANT FRAUD
08/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 903XX	Web
I never lived at this location. This location my be for my ex spouse. I reached out to FAIR COLLECTIONS & OUTSOURCING several times to state to them that this is not my account. I contacted them XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Currently on my XXXX report it is still showing on my report. This is affecting my ability to obtain new lines of credit and life and need to be taken off. Collection Agency : FAIR COLLECTIONS & OUTSOURCING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
07/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77070	Web
FAIR COLLECTION AND OUT ( I assuming its a collection agency ) call me several times to collect the amount of {$2400.00} and {$500.00} claiming that I owe that money to XXXX XXXX XXXX XXXX locate at the state of Virginia and I explain a thousand times that I never live in Virginia State, every time that they call they try to collect my information with the excuse to verified my information but I never give to then. I don't Know how I can stop this collections ... they also report to my Credit and its affecting me big time, they don't want to hear what I said when I explain that its a Fraud and they still calling me and reporting to all credit boar. Please How can I stop this FRAUD on my Credit Report?
01/01/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30328	Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
12/19/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 94555	Web
Fair Collections and Outsourcing has reported a collection on my credit report for {$1800.00}. I requested validation of this debt to which they sent me a copy of the lease agreement from XXXX XXXX XXXX XXXX XXXX which clearly shows that it was NOT MY SIGNATURE AND THERE WERE NO PAYMENTS FROM ME NEITHER IT DID LIST MY SS #. I disputed this account as fraudulent, sent them copy of my id with my name and actual signature to both XXXX and Fair collections. Their response was " it is accurate and we are not obligated to validate or respond to you '' ... see attached proof this is illegal collection now they are calling me at home, work and my parents threatening to take me to court. this needs to be stopped!
10/22/2019	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 21117	Web
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.
11/29/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	OH 43130	Web	Servicemember
Ww had an ordeal where the property manager damaged the apartment we left even though we took pictures and etc beforehand tried to collect XXXX dollars for this damage she created with her employee, she denied all accusations and even stole my sons xbox we contacted the credit departments and told them what happened and it was suppose to be removed and so it wasn't on my credit list now fair collections and out has bought it and is trying to claim its their debt after telling us it was purchased by them ... they also called when my wife 2 be was XXXX XXXX XXXX with me due to an XXXX and threatened us and then told me well this is more important than your wife life so you need to stfu and listen ......
09/22/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 195XX	Web
I wrote a letter to a company called Fair Collections and outsourcing because they were on my credit. I did research and found that for them to report to your credit, they have to send certain notifications. They did not. I sent them a letter on XX/XX/XXXX to dispute the account because it is on my credit. They did not respond to that letter until XX/XX/XXXX, by which time I had already written them a second dispute. responding more than 30 days to a consumers request for authentication is a violation of the FCRA. They have violated the FCDPA by no providing the required validation requested when they did respond. It is my understanding that for these matters you are the proper arbiter. PLEASE HELP ME!
09/22/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92591	Web
This refers to several complaints to CFPB to which the company has given evasive responses, last of which was dated XX/XX/2021. The company not only had an obligation but also a legal duty to disclose the visitor policy. In fact, the company has now admitted that they did not disclose the visitor policy. Visitor policy is a " material fact '' that the creditor was required by California fraud law to disclose. Merely stating that they had " no obligation to disclose the visitor policy '' does absolve the company in any way. The company has " failed to disclose material facts '' and therefore committed fraud under California law. In its last response, the company has admitted that it committed fraud.
05/22/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA XXXXX	Web
In XXXX 2014 I received a collection notice from FCO regarding a debt I had never been notified of before. I asked them via certified letter for 1 ) a verification the debt was mine, 2 ) who owned the debt, and 3 ) exactly what the debt was for ( since the creditor listed had never contacted me ). I also demanded they quit calling my work phone number and to cease collection activities unless written verification of the debt could be provided. They never responded to my request for written verification but instead unlawfully reported the debt to the credit bureaus. They also have left threatening voicemails on my work phone number, but refuse to provide any details on how the debt was calculated.
01/29/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32837	Web
On XX/XX/XXXX I spoke with FCO Fair collections and Outsourcing XXXX XXXX XXXX, XXXX, MD XXXX and agreed to settle a debt for {$170.00} in three payments, the first of which was {$50.00} and was paid immediately. THIS COMPANY ASSURED ME THAT BECAUSE I SETTLED THE DEBT THAT THIS WOULD NOT BE REPORTED TO THE CREDIT BUREAUS. On XX/XX/XXXX, to my SHOCK this debt was reported to ALL THREE CREDIT BUREAUS. I called the company, and they DENIED that they had reported this debt, and told me to PROVE IT. I subsequently sent them an email with the PROOF which they have IGNORED TO DATE. This is illlegal and unethical, and I want this removed IMMEDIATELY from my credit report or I will seek legal recourse.
02/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19335	Web
I received a collection letter from Fair Collections & Outsourcing for {$13000.00} for an apartment rental at XXXX XXXX, XXXX XXXX XXXX. I spoke to the collection rep and they were advised that I didn't pay rent and they would not provide me any additional information in regards to the this rental. They did provide me with a email address to request paperwork for fraud. I reached out to the XXXX XXXX and the person I spoke to would not provide me any information, including their name, and they referred me back to the collection agency. I filed a police report with XXXX XXXX Police department and I contacted my attorney. XXXX XXXX did not and would not help me in disputing this with their company.
10/31/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AL 36116	Web
Fair collection and out, reported to my credit report, I do not have a contract with this third-party debt collector. The company can not produce a contract between Fair Collection and Out and I ( sent cease/desist ) ; Fair Collection and Out can purchase my debt, but not my personal information ; this id a infringement of my rights to privacy ; If the debt was sold, I have a right to know how much it was sold for, the commission amt. If the debt was fulfilled ; if insurance covered the debt ( premium/collateral ). Violates 15 usc 1692 ( e ) ( 11 ), 15 usc 1681 thus, if a bad debt was furnished to any consumer credit reporting agency, my reputation is in fact ruined ; oppression/hardship is real.
05/22/2023	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	GA 30318	Web
Request for validation of debt ; pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec.809 ( 8 ) ( FDCPA ). Provide breakdown of fees including how you calculated what you claim I owe. - company provided Then Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. - not provided Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.- not honored Send me proof that you are licensed to collect debt in my state. - not provided Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. - not provided.
12/05/2023	No	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60048	Web
I was a resident only not co applicant of my parents apartment. The office was angry they moved after lease fulfilled. The water was not billed separately to this company. It was included in the monthly rent like every other apartment. This is fraud. tried calling company and it has strange answer. They wont answer live XXXX will not remove it, even after never being possible to contact them. I can obtain lease from parents if needed. This XXXX XXXX is known for committing fraud on tenants when they move with charges that are fraudulent. Or not returning their security deposit. Management has been reported numerous times. Also, XXXX removed it from my parents report but still appears on mine.
05/10/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 22033	Web
XX/XX/2014 I MOVED TO XXXX, XXXX AND RENTED AN APARTMENT FROM XXXX XXXX ( XXXX XXXX ), I TRANSFERRED ONE OF THEIR SISTER PROPERTIES THAT IS LOCATED IN XXXX, XXXX XXXX XXXX XXXX. I WAS TOLD THAT I COULD TRANSFER THE REMAINDER OF MY LEASE. I TRANSFERRED TO XXXX XXXX IN XX/XX/2014, I WAS RELOCATED BECAUSE OF MY JOB WHICH I GAVE PROPER NOTICE TO XXXX XXXX AND CALLED TO VERIFY RECEIPT OF NOTICE TO VACATE PREMISES IN 60 DAYS. I WAS CHARGED FOR ITEMS THAT WERE NOT FIXED IN THE APARTMENT AND FOR A WATER LEAK THAT THE APARTMENT WAS AWARE AS I NOTIFIED THE OFFICE MANAGER AFTER THE WATER BURNED MY SON. ONE YEAR LATER LIVING IN XXXX, XXXX I RECEIVED A BILL THAT I WAS CHARGED OVER {$2000.00} FOR FEES, ETC.
04/07/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MS 39503	Web
I was a resident at The XXXX on XXXX XXXX XXXX in XXXX, XXXX XXXX from XXXX XXXX to XXXX XXXX. All rents were paid on time. I submitted my intent to vacate by certified USPS letter and my apartment was surrendered back to the care of management in the same shape it was when I commenced my tenancy. Despite this, management reported an {$86.00} debt to all credit bureaus. The XXXX XXXX management has thus far failed to produce any evidence supporting their claim. I sought the help of the MS Attorney General Office to resolve this, although The XXXX agreed to remove debt from credit report they have yet to do so. The MS Attorney General Office has advised me they can not assist further with this.
04/25/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30096	Web
In XX/XX/XXXX, I was notified via my credit reports from XXXX, XXXX and XXXX, that I owed allegedly owed a debt to the collection agency, FAIR COLLECTIONS & OUTSOURCING. Since that time, I have attempted to have this debt validated by the XXXX credit bureau and by the collection agency at no resolution. I have disputed this debt with XXXX in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. And I have sent letters to the collection agency disputing this debt and requesting valuation of this debt. I have never received any correspondences. At this point, this false information is detrimental to my credit status and my ability to obtain credit. I want this information deleted from my credit bureau report.
09/16/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 60409	Web	Servicemember
In the most recent complaint and response, the company gave an explanation of debt and attached several documents to include a lease and a disposition of security deposit statement. My complaint revolved around an unsubstantiated charge for parts, which was listed under the name XXXX. The company 's response was that " XXXX '' was for utility charges ; out of all the documents that was submitted in their complaint response, their was no billing statement with regards to the claimed utility charge. Every month each tenant was given a billing statement of charges before any amount was asked to be paid. My request is that this company produce that statement to justify the claimed utility charge.
05/19/2023	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85206	Web
I recently discovered that someone had stolen my identity and used my personal information to open fraudulent accounts and make collections on my credit report. It has been a challenging experience that has had serious consequences on my credit score and financial well-being. I have taken immediate action to dispute the fraudulent accounts and collections, and I have reported the identity theft to the appropriate authorities. This has involved working with credit bureaus, banks, and law enforcement agencies to investigate the fraud and restore my credit report. It has been a stressful time, but I am doing everything I can to protect my identity and recover from the damage that has been done.
08/01/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32818	Web
I sent Fair Collections & Outsourcing , Inc a letter asking them to validate this debt, and show original documentation that was signed by me. The information they responded with did not show any agreements that were signed by me to XXXX XXXX XXXX. I also couldn't get a clear answer on whom this debt would be owed. When I contacted XXXX XXXX XXXX directly, I was told they no longer had this debt in their files, and that the collection agency would own the debt. However, when speaking with Fair Collections & Outsourcing , Inc, I was told that they were only servicing the collection for XXXX XXXX XXXX. So there is no way for me to get any real clarity or understanding of where this originated.
05/17/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MA 02184	Web
I've disputed the amount as fraud several times with the credit bureaus. The Fair Collections continues to respond the amount is correct without any proof. The credit bureau upholds what they say, without taking into consideration the proof I've shown. I tried calling Fair Collections numerous times to make a payment arrangement, and to get an accurate total. My calls have gone unreturned for over a month. This debt is impeding upon my living situation. I'm on the verge of becoming homeless because this debt was reported to the credit bureaus. I can not afford a lawyer to assist me with this issue at the time. I have am more pressing issue I have to address, which is my housing situation.
05/23/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	DC 20002	Web
I lived in XXXX apartments on a section 8 voucher where section 8 pays a portion of my rent. I have always paid my rent I have receipts showing this the month I moved out I paid the full month even though I moved out mid month. They kept my deposit and the remaining funds from the full month rent I paid and reported I owe for something but never notified me. Now a debt collection company has reported it to the credit agencies it has affected my credit score and now I have a bad landlord mark on my credit report whereas before I had none. I have all my receipts I always paid my rent and dcha has always paid them their portion. I am seeking assistance with getting this off my credit report
08/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48331	Web
Hello, I was a resident of XXXX XXXX XXXX When my lease period was ending I tried contacting the leasing office to get information regarding the lease extension as well as the move out process. I was informed every time that they would get back to me and they never did. When my lease period was finally up I reached out to them again and they informed me that they never got the information and they refused to accept that it was a mistake on their end. I reached out to XXXXXXXX XXXX office on the XXXX XXXX XXXX and informed everything before Covid. They took my information and never responded. Meanwhile, the balance due was reported to collections. I am still unaware on why this happened.
04/14/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL XXXXX	Web
Fair Collections and Out hired by XXXX XXXX reported we broke our 3 month lease this is false information. We were forced to settle because we can not get a home with this information on credit. The lease was a three month lease and 30 days notice was given as requested by apartment manager I believe they falsified documents changing it to 60 days notice. We paid XXXX extra a month for a three month lease with exact move out given at time of lease signing. All three credit bureaus did not review entire case as the apartment did not report accurately. The apartment never gave us a damages move in checklist this is illegal under Kentucky Tenant Landlord Act The apartment was deplorable
10/16/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 190XX	Web
I was contacted by Fair Collections & Outsourcing Inc. on behalf of XXXX XXXX XXXX XXXX XXXX XXXX for {$2200.00}. I do Not owe that amount. I transferred from one unit to another. I requested a Walk through after I vacated the premises and was denied. I sent a check of {$410.00} on XX/XX/2020 to Fair collections & Outsourcing for what I feel I owed. The check was returned on XX/XX/2020 with a letter informing the payment of {$410.00} was unauthorized and or unacceptable. I offered to go to court to allow a judge to make a decision if I owe. I have received notification this was put on my credit report and I want it removed because I do Not owe that amount. I tried to pay what I owe.
09/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30127	Web
FCO injunction with XXXX XXXX is charging me after I moved out the home. My lease was over XX/XX/2020. I moved out and was given a XXXX balance. A year later they have FCO has place a collections notice on my credit file stating I owe {$3200.00}. However, after looking at the account information they sent to validate the claim. It shows bills and fees after I left the home. Moreover, the account also, shows bills already paid in full. Please look at my last ledger given to me that shows my move out date and bills paid against their " Move out Statement. '' There is no way Invitation homes would have let me live in a home for two months without paying my bills and I not get evicted!
11/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 347XX	Web
On XX/XX/2017, in XXXX XXXX XXXX XXXX, Florida, XXXX XXXX XXXX XXXX case # XXXX was dismissed voluntary without prejudice ; yet, they took the initiative to use my identity and fraudulent sell this debt to FCO ( Fair Collections Outsourcing ) whom on XXXX XXXX opened this account up and reported this derogatory account to all credit report agencies. They have violated my rights numbers of times ; under 15 USC 1681 by misleading false reporting and using my identity ; 15 USC 1681 ( b ) which I never gave them written consent ; this is harassment and abuse under 15 USC 1692d ; and according to FDCPA Section 807 this violation is misleading and false reporting inaccurate reporting.
01/05/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 21045	Web
I am very dissatisfied about a negative reporting that had been placed on my credit filed without my acknowledgeable, but smear lie, bias, discrimination, bigotry and because of my feminist status. I am a hard working XXXX that hardly afford to pay my own bills, in fact I have never done business with the alleged creditor for the past years while being in the united states. XXXX XXXX XXXX did n't just report the wrong information, but they also violated my consumer right, and that has hurt my credit in some way of the other. I request that the information reported by the management be removed, and necessary action taken against the management for making such ignorance statement.
07/12/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85032	Web
Received an email address XXXX from some source stating it was XXXX XXXX about my credit score being decreased to XXXX and did a dispute and got a message saying contact XXXX about the dispute and I contacted XXXX which informed me that this collection agency or the company that I represent wasn't on my credit report. I even contact the collection agency and would give me accurate information. Here 's the link I click on below stating it's from lending tree : XXXX : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX % XXXX % XXXX & XXXX & XXXX & XXXX
02/03/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11550	Web
FAIR COLLECTIONS & OUT/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Alleged account XXXX Date opened XX/XX/XXXX {$7400.00} bal I do not owe this company. I never had an account with them and the company they claim to represent is a apartment building that I do not owe and have previously taken to court for overcharging. Court found me in favor back in XXXX but somehow these companies have put this fraud balance and negative collection on my credit report. I have disputed it but they keep putting it back. XXXX states it can only be disputed by cAlling XXXX reference Report # XXXX. But this is an automated system that doesnt allow you to speak to representative.
06/14/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 31525	Web
Fair Collections and Outsourcing was sent a certified letter on XXXX XXXX requesting validation of said debt. Letter was picked up at USPS on XXXX XXXX at XXXX , A final goodwill letter was sent on XXXX XXXX . Fa ir Collections and Outsourcing has failed to provide me any evidence. I have maintained a careful record of communication with them in which they have failed to respond within 30 days. Fair Collections and Outsourcing are in violation of federal laws under the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ), the Fair Credit Reporting Act ( including but not limited to Section 623-b ) and the corresponding state laws.
05/31/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60643	Web
There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case FAIR COLLECTION AND OUTSOURCING is attempting to collect as XXXX XXXX XXXX XXXX XXXX. These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.
02/08/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	WA 98012	Web
I went into XXXX and was told by their representative that I could cancel AT ANY TIME. I paid {$750.00} on the XXXX day and received NO services. I sent a certified letter to XXXX within XXXX days saying I wanted to cancel and for them to refund my {$750.00} deposit as I received no services of any kind. They refused to refund me and have now sent me to collections for services I never received. They fraudulently represented themselves to get me to sign up and then once they got me, they claimed I signed up. There are numerous complaints against this company that I discovered after the fact. I am out {$750.00} for NOTHING and now I am being reported to the credit bureaus.
07/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07060	Web
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
05/16/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30238	Web
XXXX XXXX XXXX in XXXX , GA located at XXXX XXXX XXXX XXXX , GA XXXX placed a debt collection on my credit report without my knowing. All payments were up to date contingent my roommate and I moving from the property in XXXX of 2015 . The Apartment complex nor the collection Agency has contacted me in the time since then concerning the situation, I was not aware until I pulled my credit report recently. I have tried to reach out to XXXX XXXX numerous times and have not been properly assisted, when I finally was able to have customer service I was told that they are under new management from the time of my stay, and the property could not help me.
09/15/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 34983	Web	Older American
I received a debt notification letter from a collections agency first one dated XX/XX/XXXX and received a second notice on XX/XX/XXXX. It appears this was for a rental unit in XXXX, Fl and I reside in XXXX XXXX XXXX FL since XXXX. The period for the rental unit was from XX/XX/XXXX thru XX/XX/XXXX per an itemized statement they sent to me. The total of the debt is {$17000.00}. I picked up a call after numerous calls from this collections agency named FCO ( Fair Collections and Outsourcing, Inc. ) I explained to them that this is a case of Identity Theft and I was the named person on the bill however the bill is not my responsibility as I have never resided in XXXX, FL.
03/23/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	VA 22554	Web	Servicemember
Debt Collector repeatedly tried to collect a XX/XX/XXXX debt I allegedly owed my graduate school for medical services/prescriptions not covered by my school insurance plan. Over the phone, my mother paid the debt collector {$410.00} by credit card on XX/XX/XXXX, based upon their employee 's verbal promise to reimburse her if we could prove the debt had been paid by the insurance company. If I ( or my mother ) did n't pay that day, the employee said they would make an adverse report to the credit bureau. My mother sent them a statement from the insurance company reflecting they had paid the school but the collector will not refund her money despite her written request.
08/22/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77904	Web
I have contacted Fair Collections & Outsourcing , Inc on two occasions asking to validate the debt owed. The first email reply was simply a bill/statement and the second email reply was a letter saying the debt was verified. There was no confirmation the debt is truly my debt as they have not provided any of my personal information or any type of supporting documents. Furthermore, If the debt is shown to be mine I can attest the amount owed is incorrect. One example I can provide is on the statement they sent, a charge for a garage clicker is listed. The clicker was returned before this was sent to collections. Why would I still be charged this if it was my debt?
05/08/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD XXXXX	Web
I received credit alerts notifying me Fair Collections & Outsourcing , Inc . was reporting a debt owed under my name for {$700.00} upon contacting the company I was informed it was from a apartment complex ( XXXX XXXX XXXX ) located in XXXX, GA that I never applied for or lived in. I submitted the info they asked for to clear my name and have the account removed from my credit but so far I got no response. Both the collection agency and Apartment complex refused to give me any information of send copies of the original application. this fraudulent account is impacting my life and financial freedom to provide for my family as it is being reported to my credit file.
06/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	TN 380XX	Web
Are you the original creditor and do i owe you? Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
06/28/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MD 20723	Web
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
02/02/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43220	Web
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
10/24/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	FL 33713	Web
XXXX XXXX XXXX and XXXX XXXX, Are claiming I owe {$450.00} for a Cleaning deposit. The apartment flooded because of a broken pipe, because of faulty plumbing, I have attached the pictures showing the damage. This Management has a History of committing Fraud, My Attorney and my local Government have put them under investigation, My attorney is in the process of filing a Legal Complaint against Fair Collections and Out Sourcing, They Have threatened me and call me 12 times a day, and i know this in in violation of the FDCPA. I have phone recording and documentation. that my attorney has, Thanks for listening. And PS, I ended up paying for the repair, Pics attached.
09/28/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77007	Web
This debt is not mine! I have disputed it several times with XXXX and they continuously verify it. XXXX XXXX and XXXX have both removed it because it is not mine and there is no possibly way it could be verify because it is identity theft. This is a violation of the FCRA 605b and the FDCPA to continue to report this. This is inhibiting my ability to obtain credit and I have contacted a lawyer and he advised me to do this before we file suit against XXXX. This need to be deleted ASAP, I can not do anything with this one my record I can not get housing, and credit or transportation. FAIR COLLECTIONS & OUTSOURCING {$7800.00} opened XX/XX/2016 Delete immediately
05/03/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MA 026XX	Web
Fair Collection & Outsourcing has tried multiple times to collect on a debt that is not mine. They have sent notices to addresses where I do not reside and a number of their notices have had different incorrect iterations of my name. When contacted they press me for additional personal information. I have tried working with the company that initiated the debt, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, but I have been unable to verify that they are an active and legitimate business. I have never lived and or visited the the state where this apartment is located. I have filed a police report for identity theft and I have notified all three credit reporting bureaus.
04/27/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 92618	Web
- Not a Valid collection - Item was to be deleted with Payment - Item Shows with a dispute Remark on my Credit Report after the Fact it was Resolved and Settled - Amount was n't clear from the Beginning and i disputed to inquire about the correct amount - Representative never got back to me or replied and took it from collection to reported on my credit report - i was forced to settle it because i was denied renting an apartment for my family until i settle this amount - fro m 2015 u ntil XXXX , XXXX and XXXX still shows as a dispute Remarks on my credit report Check Attached file Page XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX
07/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	PA 19047	Web
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
11/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	GA 30127	Web
I was ordered to move from my apartment because of an issue with the complex. The property manager, XXXX, mixed up the information with the collection agency with the information of my neighbor, as she did when I moved in. It was a total breech of contract, because I never received the new appliances that were included in the lease agreement. She stated that I had to move immediately and no clean up cost would be added to my early termination of the lease agreement. Then she added a lot of cleaning fees and false information to the collections department. I can provide a written statement from the police officer that was in charge of handling my eviction.
10/08/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77459	Web
I have been disputing this account for some time now with Fair Collections and Outsourcing. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. I am sure there is a law that proves it.
12/20/2023	Yes	Debt collection Rental debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 19154	Web
a collection agency placed something on my credit report for the sole purpose of using it to collect money. This is an abusive tactic that should be stopped! I was told by Fair Collections and Out it was placed on my credit report to them collect the money. At no point in time did they, or the original credit ever place all the positive payments on the credit, they did not make an appearance until they decided to weaponize the credit report. It is misleading to other creditors who only see a charge off, and never say the 2 years of perfect payments before that. If they want to report the negative, they should be required to report the positive as well!
03/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MD 20901	Web
I received lease renewal notice dated XXXX XXXX, 2015 which I signed indicating that i would not be renewing my lease, I returned this to the leasing office on XXXX XXXX, 2015. This was not considered to be notice that I wanted to end my lease and leave. There was a form that I did not know about that is given to indicate notice to vacate an apartment. I found out about this form, when I went to the leasing office to ask about a notice for XXXX rent. I have been sent a bill from a collections agency for the amount of $ {$3.00} XXXX. I am unable to pay this kind of money. I do owe rent for the month of XXXX which I am willing to make payment arrangement.
02/06/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	TX 77406	Web
I have been receiving calls lately from a debt collection company named Fair Collections & Outsourcing ( FCO ) claiming I owe XXXX XXXX XXXX XXXX some money and said before they can continue, I have to provide them with my social security number and date of birth. I never gave them of course. I am shocked to receive a letter from FCO that I owe {$3500.00} and if I can pay 50 %, my account will be closed with them. That looks even more scary for me. This is sure scam because I never lived in XXXX Texas where they claim I rented an apartment and never paid. I have never lived in XXXX Texas before and they kept on requesting for my personal information.
09/27/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	DC 200XX	Web	Servicemember
The amounts that are said to be owed are incorrect. When moving out in XXXX XX/XX/2015 I was in contact with the leasing office about what was owed. I paid all the arrears in XXXXXX/XX/2015 and only owed the prorated amount for XXXX. I also had a security deposit that was not given back and I am assuming was applied to the prorated amount that was owed. I do dispute the amount that is said to be owed and do not owe said amount. I have disputed the account several times and the incorrect amount has been lowered but is still not accurate. The collection account from Fair Collection & Outsourcing is showing an open status and balance which is incorrect.
05/07/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75056	Web
Disputing Fair Collections and Out Account # XXXX Reason : I paid these charges to XXXX XXXX XXXX before it was sent to collections or before it was charged off. Also the charge for {$320.00} for month to month rent ( XXXX ) is inaccurate. My lease ended XX/XX/2014. I have disputed this with Fair Collection and Out first, then the credit bureaus. The collection company refuses to admit that I am not liable for this amount. They have no proof that I owe this collection account and are being unethical by continuing to report to the credit bureaus. Additional Documents are provided Letter of Breakdown Statement of Charges Check Stubs Lease Agreement
07/07/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 76132	Web
Fair Collections & Outsourcing Inc. advised me that they do not delete debts and I understand that I did not sign a contract with them for this debt that was owed to XXXX XXXX account XXXX. This debt was settled and paid, but has been causing my credit score to be low. I was not aware of my consumer rights for accounts that were sold to debt collection agencies. Since I did n't have a contract signed with Fair Collections & Outsourcing, this debt should not be reported because I also have no payment history established with them. I would like this to be deleted from XXXX and XXXX The date this was recorded as paid was XXXX/XXXX/2014.
05/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL XXXXX	Web	Older American
I have a collection on my credit report that I reported as fraud in XXXX and yes its still on my credit report from XXXXXXXX XXXX for {$5000.00}, I have been fighting this for years, I filed a fraud report with the police department, nothing was done, XXXXXXXX XXXX is reporting on my credit report numerous times and thats incorrect, XXXX XXXX is incorrect, XXXX XXXX fraud -- XX/XX/XXXX, XXXXXXXX XXXX fraud -- XX/XX/XXXX all these accounts should not be on my credit report, they are incorrect and destroying my life, please remove XXXX XXXX from my credit report, Been fighting this since XXXX, these accounts are keeping me from living a normal life.
04/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MD 20745	Web
Attempted to get the debt verified from FCO. Sent several letters to FCO the collection agency requesting the proper documents. When FCO would only state that the debt was accurate. We went to a lawyer you gave us insight into the law regarding the collection in Maryland regarding apartments putting collections on people 's credit report. We then again sent letters to FCO with the new information gained from the lawyer and found that the collection agency was again still breaking the law and was in violation of the Fair Credit Act. We then sent letters to the Credit Agencies where they removed my husbands collection but not mine. What do I do now?
10/01/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 20852	Web
Wed XX/XX/XXXX - I called and emailed Fair Collections & Outsourcing , Inc. ( FCO ) requesting debt validation and breakdown of all charges for account XXXX. Thu XX/XX/XXXX - I received my request, and replied in an email that the information was incorrect because I moved off of the property on XXXX XX/XX/XXXX, and any charges after that date need to be corrected. FCO responded that they would speak to me over the phone. I replied that I would like to continue the conversation via email, keeping a written account of everything. They again responded that they would only speak to me over the phone, and refused to answer my questions in via email.
06/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33579	Web
I rented an apartment via XXXX XXXX in XXXX MD, I agreed that the debt was owed, I paid {$1300.00} of the debt and the remaining {$4600.00} on XX/XX/XXXX. I submitted proof of payment for the {$4600.00} by submitting my bank statement to XXXX Compliance Department in XXXX and again on XX/XX/XXXX. I also disputed this item with XXXX XXXX as well, XXXX XXXX did not ask me for any supporting documentation and refused to removed the debt based on the feedback from XXXX. I am requesting your help in getting this item removed. This item on my credit report is keeping me from being able to rent homes/apartment thus leaving me in a position to be XXXX
03/15/2022	No	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MD 210XX	Web
XXXX which I have no idea what the acronym stands for is a debt collection company that is reporting to the credit bureau a debt that I don't owe. The originator of the debt is XXXX in the amount of {$1500.00} I have no idea who XXXX is. XXXX is also trying to collect a debt that the originator was XXXX XXXX in the amount of {$1900.00}. This is false because my rent was debited automatically from my account. I have never received written notice from XXXX in reference to this debt. It is unfair that companies can just report things to the credit bureaus without sending notifications to verify accounts. I have no idea what the account numbers are.
07/07/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 76132	Web
Fair Collections & Outsourcing Inc. advised me that they do not delete debts and I understand that I did not sign a contract with them for this debt that was owed to XXXX XXXX XXXX XXXX account XXXX. This debt was settled and paid, but has been causing my credit score to be low. I was not aware of my consumer rights for accounts that were sold to debt collection agencies. Since I did n't have a contract signed with Fair Collections & Outsourcing, this debt should not be reported because I also have no payment history established with them. I would like this to be deleted from XXXX and XXXX. The date this was recorded as paid was XXXX/XXXX/2015.
08/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33024	Web
I moved out of an apartment everything was left clean and immaculate everything was paid and then I see a collection on my credit report from this rental company for no reason trying to charge me {$4500.00} for a dog cage they said that was left in the backyard mind you I did not even own a dog!! This is an error and it's impossible to speak with anyone that will help! Ive always paid my bills on time and never had any issues and now I need to move and this collection that SHOULD NOT be on my report is hurting me from getting a new home. PLEASE HELP!! These people XXXX are liars and won't even bother responding to my letters requesting PROOF!!
10/21/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32256	Web	Servicemember
I submitted a 3rd letter to Fair Collections and Outsourcing ( FCO ) on XX/XX/XXXX after repeated requests for documentation to validate a debt they claim I owe per FDCPA 15 USC 1692e. Since they can not validate the debt they must remove it from all credit reporting agencies. Which they have failed to do. A recent lawsuit against FCO found that the collection agency routinely failed to implement proper policies and procedures to ensure the accuracy of accounts. I'm clearly a victim of the very same practices since a collection was placed on my XX/XX/XXXX. I do not recognize this debt and demand that this collection be immediately removed.
03/14/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 19454	Web	Servicemember
FAIR COLLECTIONS & OUTSOURCING XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX Account owner Joint Account Original creditor XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Account status Paid Agency FAIR COLLECTIONS & OUTSOURCING Creditor Classification Rental/Leasing Status date XX/XX/XXXX Original amount owed {$2900.00} Balance date XX/XX/XXXX Date of last payment XX/XX/XXXX Date of first delinquency Balance owed {$0.00} Comments Consumer Disputes This Account Information Account Paid For Less Than Full Balance The account is showing up on XXXX, XXXX, and XXXX as Negative but " Paid '' the account should be removed from my credit reports
05/14/2016	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	VA 23224	Web
I applied for an apartment in XXXX XXXX XXXX like three years ago due that I was going to get a job in XXXX it was another person applying with me time went by never heard from their office after about two or three weeks they called me and said that I could get the apartment but I already had decided that I was not going to XXXX anymore so I left it like that a year later I get this collection in my credit because apparently I signed the contract for a year with this company I requested a copy the contract and realized that someone else had singed never lived there do n't even know how apartment looks ive'been in XXXX XXXX for the last 5 years
08/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33178	Web
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 5. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 6. Identity Theft XXXX Account Number : XXXX This is not mine.
08/11/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 19380	Web
Hello I have a debt from XXXX XXXX from previous landlord. I have contacted them several times and disputed the debt with XXXX XXXX and XXXX XXXX. They are reporting that XXXX is owed and the judgement is XXXX. When I reached out to XXXX XXXX regarding this and mentioned it to the compliance department at XXXX they confirmed they never had the judgement but instead an inflated bill from the landlord. My husband and I tried for the last three years to get this removed and we are getting no help. XXXX XXXX has been sued and should be put of business. Please stop them from preying on people. I can not get a mortgage because of this huge debt.
09/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 73034	Web
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. You never had a permissible purpose Under 1681 b number 2. \| never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report.
07/17/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 10002	Web
I was contacted by mail by FCO, Fair Collections & Outsourcing , Inc.XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MD XXXX, regarding a purported debt consisting of purported rental arrears. The letter claimed I had a lease with the landlord and failed to pay according to its terms. I asked them to validate the debt and they sent me a lease commencing on XX/XX/22, which is after every item on their purported rental ledger. In fact, there is no lease or any other document to support my liability for rent through the period on the ledger. They have threatened to report this fraudulent debt to credit reporting agencies as well as litigation.
02/17/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 77382	Web
We moved out of our apartment complex nearly 2 years ago, I received a notification on my credit report that there was a charge that was taken to collections. I was not given a bill or any additional information. We still have yet to receive a bill. They apparently sent it to the wrong address and never attempted to call or email us, even though they have all of that information. We would like to dispute this off of our credit report, as soon as we found out about it from our credit report, we paid it right away. Debt amount : {$240.00} Account # : XXXX Creditor info : FAIR COLLECTIONS & OUT XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX
06/23/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MA 02780	Web
Some COLLECTION XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX is saying I owe {$7400.00} I never heard of them never spoke to them never had a contract with them never got any letters from them please ask this organization how did they get my information and who authorize them to use my information with out my knowledge I have no knowledge of a debt never consent to debt their information is inaccurate and ask them how much did they pay for my information and who ever gave them must have stole it this is swindling according to 18 U.S. Code 1341 - Frauds and swindles and can lead up to fines of {>= $1,000,000} or imprisonment up to 30 years.
04/01/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NV 89131	Web	Older American, Servicemember
I get calls from some collection agency which refuses to identify itself asking for someone with a similar name to mind. I refused to give my Social Security Number and the address they gave me was not mine. When I asked for the name of the company and how they got my phone number they refused to respond. They eventually put me ion hold and never returned. I recently had similar problems which was reported to the XXXX credit bureau agencies and is on record. Their phone number is XXXX They gave me XXXX different names for their company. Please make sure they do not make any false reports to XXXX parties and investigate their practices.
11/09/2019	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	AZ 85119	Web
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.
04/26/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MN 55433	Web
this company is reporting a debt on my credit report that i have disputed with them and the 3 credit reporting agencies. it has been over 7 years and im still disputing this with the company and collection agency. i am requesting that this company provide me information of this debt, information to validate that i owe this debt, contracts and signatures of this debt. if this company can not provide valid documents stating i owe this debt i am requesting that they remove it off my credit report and to also stop contacting me about it. this company is stating i owe {$3500.00} from one debt and {$1000.00} from another company.
07/07/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 76132	Web
Fair Collections & Outsourcing Inc. advised me that they do not delete debts and I understand that I did not sign a contract with them for this debt that was owed to XXXX XXXX XXXX. This debt was settled and paid, but has been causing my credit score to be low. I was not aware of my consumer rights for accounts that were sold to debt collection agencies. Since I did n't have a contract signed with Fair Collections & Outsourcing, this debt should not be reported because I also have no payment history established with them. I would like this to be deleted from XXXX and XXXX. The date this was recorded as paid was XXXX/XXXX/2015.
03/04/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75061	Web
I received a letter in the mail on XX/XX/2020 from FCO ( fair collection & Outsourcing ) attempting to collect a debt for the amount of XXXX. The creditor name is XXXX XXXX At XXXX XXXX I called the number shown on the letter and explained to the representative that the collection to this noticed isnt mine. I told him I have never signed no lease with this company or lived at these apartments. I have my supporting documents of my utility bill, lease, and proof of identity. He was really rude on the phone and stated that I had to make a report before being taken off collection. Which is the reason why Im here making a report.
09/29/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NC 27215	Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
05/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75232	Web
Fair Collections & O Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX ( XXXX ) XXXX Amount : {$6900.00} I have disputed this entry for Fair Collections & O for several months. I have repeatedly asked them to send me a copy of the signed, exclusive contract between Fair Collections & O and myself for repayment. The only responses I've received were statements for payment. I've sent correspondence XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
04/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 206XX	Web
XXXX XXXX Circuit # XXXX All 3 Accounts was paid before being placed as judgements as well as the new law passed in XX/XX/2017, judgements should not be placed on the credit report if all the personal information is not reported. This is a violation, accounts was removed Fair Collection and XXXX # XXXX Creditor has not provided any proof or contracts bearing my signature but after 2 disputes, the credit bureaus are still reporting inaccurate information. This account was removed from XXXX. XXXX XXXX # XXXX Account was recently added, with terms but I have never had a contract to have terms or a payment status reported.
02/26/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94109	Web
XXXX XXXX ( XXXX XXXX ) is in contractual violation of the lease to an apartment I rented from them from XXXX. They falsified inspection documents after I moved out and then continued to claim that I owed them more money, each time I would pay what they asked for. I finally told them enough was enough, at which point - they sold off the " claimed '' debt to a collection agency.. this is my last resort at getting this resolved before I take them to court. I've attached documents for reference. There is much more documentation, going back over two years. I refuse to continued to be bullied by this company - enough is enough!
10/14/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AE XXXXX	Web	Servicemember
I currently have an outstanding balance owed to XXXX XXXX for the amount of {$2500.00}. The balance has since been forwarded to a collection agency who is reporting a negative report on my credit. I was enrolled in a repayment plan in XXXX ; however, I am now doing an overseas tour with the XXXX XXXX and have lost communication with the debtor. I want to repay the amount owed however I want to request to remove the negative report from my credit as I was not able to receive notifications of the collections. This issue is now causing a decline in my credit score and will impede me from continuing my education in the future.
08/29/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75043	Web
Complaint Details Complaint Details XXXX XXXX XXXX Yes I been trying to get XXXX XXXX XXXX XXXX XXXX to validate my debt they say I have with them ... Via 609 letter ... this letter is asking for proof of a signed contract by me they suppose to provide with my signature.. I did not give anyone my permission to give my personal information out ... XXXX XXXX XXXX XXXX just keep sending me documents that do not pertains frca regulations.. basically it looks like a made up receipt.. the issue has been going on for a couple of months.. and is hurting my credit history.. proper validation is what I need to handle this issue ...
02/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48213	Web
I am not swayed that the bureaus has investigated this account properly. Their investigation about this account was totally incorrect. I am not seeing this account to any of the other credit bureaus which were so odd. I believed they have not reached out to the furnisher to validate. Therefore, I have sent out a couple of written complaints to raise this concern but other than the credit report I have, I have never heard any feedback from both the bureaus and the creditor. Make sure to explain the outcome of your investigation about this account with XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}
06/09/2017	Yes	Debt collection I do not know	Communication tactics Called before 8am or after 9pm	CA 95035	Web
I received two calls this morning between XXXX and XXXX XXXX XXXX from this company for a XXXX XXXX . We share the same last name, but we have no idea who this person is. This phone number is listed in XXXX . It has been our phone number for more than 20 years. This call woke me up. Scared me because the only reason that someone would call me at that time is if something was wrong with a family member and thereby forced me to get out of bed to answer the phone. These people had no reason to contact me. I 'm frankly tired of all of these companies and their robo calls calling my home and interrupting my day!
01/31/2017	Yes	Credit reporting	Incorrect information on credit report Account status	MD 20707	Web
The following account debt was dismissed by the courts with documentation, but Collection Company is still aggressively attacking credit bureaus with constant adverse credit report scouring. This account was a joint account with my XXXX year old mother who had perfect credit, but now it`s ruin because they constantly report this collection to the credit bureaus in a very negative way. This excessive negative reporting is interfering with me purchasing a home. Thank you for your help and support. Fair Collections and Outsourcing XXXX XXXX XXXX XXXX, XXXX, MD XXXX Phone : XXXX Account # : XXXX Balance Stated : {$4400.00}
05/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	VA 22204	Web
XXXX XXXX from this agency called to collect an amount that he claims I owed to a prior landlord. This amount is in dispute. The landlord engaged in deceptive business practices and violated the XXXX XXXX XXXX by failing to provide services such as running water. XXXX XXXX repeatedly attempted to question me after I requested that he stop asking me questions. He threatened me with negative action against my credit rating and implied that other bad things would happen to me and my credit. Again, I told him that I was in a legal dispute with his client, but that did not keep him from harassing me with additional questions.
04/07/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MD 212XX	Web
I called this company regarding this account that I am unaware of. I am not sure what XXXX is. At that time I was advised that a copy of the lease would be mailed out however it never was. I then sent a certified letter to this asking them to provide me a copy of the lease agreement to date I have not received a response. I contacted them today and spoke to a rep who acknowledged that they received the request and I just have to wait until the original company provides the lease. She was very rude. I informed her that the 30 day time period has pass and asked for a tentative date. She refused to provide any information.
10/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DC 20010	Web
On XXXX XXXX Fair collections and outsourcing, added a derogatory mark on my crredit report per XXXX XXXX, upon further research, this account was transferred /sold and iam no longer responsible for the account.Debtors creditors did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, aFair collections and outsourcing has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.
06/07/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 114XX	Web
In accordance with the Fair Credit Reporting act Fair Collections & Outsourcing, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.
11/17/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	TX 759XX	Web	Older American
We rented an apartment from XXXX XXXX XXXXXXXX XXXX ( a XXXX XXXX XXXX ) in the XXXX area for 7 years and left on good terms a few months ago, owing nothing. Now, this week, Fair Collections & Outsourcing of XXXX, MD, has sent collection letters to both myself and my husband, claiming we owe {$53.00}. The letters are bogus but say we're required to send a written, mailed response if we don't want phone calls from these people. The company has our names, our permanent address and the name of the apartment we rented from, including the correct unit number, which means someone sold our rental information to scammers.
06/02/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 07201	Web
On XX/XX/XXXX I moved out of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and did final walk-through of apartment along with handing in my keys. XXXX XXXX never sent my apartment deposit back {$1100.00} and also never forwarded a final closing statement to me at my new address in XXXX XXXX which I gave them. ( I paid all my rent that was due at time of move out. ) They specifically asked for my forwarding address. On XX/XX/XXXX I was notified that I have a new collections account by credit report alert Fair Collections & Outsourcing ( XXXX XXXX ) for {$670.00}. I have never received any statement about this debt.
01/31/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 283XX	Web	Servicemember
So I lived in XXXX and move to XXXX XXXX on a XXXX XXXX on XX/XX/2021. Both my wife and me. Around XXXX of 2021 my wife got a super intimidating new phone call a company called Fair Collections and Outsourcing located on XXXX XXXX XXXX XXXX XXXX, MD, XXXX. We told the gentleman that this wasnt our debt. He had offered nothing to verify the debt. And when we called the apartment complex no one there could verify the debt either. We explain to the credit bureaus that this was fraud and that they should remove the debt from our reports. When need your assistance to resolve and remove this from our credit reports.
01/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NV 89141	Web
I periodically check my credit report and found an account that I don't recognize. This account is from Fair Collections & Outsourcing. I have reached out to them on XXXX XXXX, XXXX on this matter and informed them I do not owe this debt and to remove it from my credit report. They have not sent me a copy of the original application, therefore I am not liable for this debt. They have been constantly calling my phone everyday through out the day and it is causing me a lot of stress and anxiety. Please help in this matter. XXXX Fair Collections & Outsourcing XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX Ph # XXXX
04/26/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30017	Web
On XX/XX/XXXX I sent a formal notice to Fair Collections & Outsourcing that the account # XXXX claim was being disputed. On XX/XX/XXXX XXXX i received back a letter of Verification of the debt and an invoice. Upon further investigation on XX/XX/XXXX, I retained new copies of my credit reports, and noticed that Fair Collection & Outsourcing did not furnish the credit bureaus with the required disclosure, within the period required by law. which they are required by federal law to place a notice of dispute on my account within 30 days of my dispute. This account is inaccurate and i want it to be deleted immediately.
05/31/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 935XX	Web
I noticed Fair Collection And Outsourcing ( A debt collector ) listed on my Credit Report who is attempting to collect on a debt that is the subject of pending litigation in XXXX XXXX Case # XXXX with the original creditor. I am writing this complaint because this company simply inserted this on my Credit Report without giving me any notice or any information. This is a violation of the Fair Credit Reporting Act FDCPA. I am also requesting that this company not call me and to communicate by mail only. This debt is inaccurate and can not be verified because the information provided by the orignal creditor is false.
08/03/2017	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	PA 19063	Web
I was called by Fair Collections & Outsourcing , Inc. ( " FCO '' ) on behalf of my co-worker who might have outstanding debt. I was called by the following numbers on the following dates on my personal cell phone : X/XX/17 : XXXX EST by XXXX XXXX/XXXX/XXXX : XXXX EST by XXXX On each of the aforementioned calls, I requested that this company stop contacting me as they had the wrong party. The individuals calling from FCO were asking to speak with my co-worker 's name ( skip tracing ). I informed both of these callers that they had the wrong number and to please stop calling me. I would like this harassment to stop.
03/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD XXXXX	Web	Servicemember
My attorney contact Fair Collections & Outsourcing ( FCO ) in regards to a debt with their client, XXXX XXXX, regarding this debt being too old to collect. FCO agreed this debt is too old to collect and stated they would not pursue collections, but refused to remove this item from my credit reports. I have disputed, multiple time with each credit bureau, this fact and each time FCO responds to the dispute that the debt is collectable and valid. I spoke with someone from FCO and they said they have no intention of removing as the debt as having in on my credit reports gives them the potential of getting paid.
04/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48239	Web
XX/XX/XXXX, my purse with all of my belongings ( including wallet with ssc, ID, credit cards, keys ) were stolen. Information such as inquiries and collection accounts on my credit report regarding business loans, and evictions are false in result of identity theft. I attempted to contact the credit card companies and reach out to collection company since XXXX, and stated to them that I am a victim of identity theft. They only told me to place fraud alerts on all accounts, however they proceeded to report false information on my credit report and continued to refuse my complaints. I also filed police reports.
10/16/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 31525	Web	Older American, Servicemember
This company Fair Collections and Out has added themselves to my Credit bureau accounts as a creditor and has set up payment schedules showing me past due on or around XXXX/XXXX/XXXX in the amount of {$1200.00}. I have never done business with these people and have not agreed to anything with them. What they have done is violate federal law regarding setting up fictional accounts as a debt collector just to collect a debt, without the consumers knowledge and approval. I complained to the Credit bureau, but they claimed that the debt collector responded that the debt was legally owed to them, which is a lie.
12/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	LA XXXXX	Web
I moved from the XXXX on XXXX XXXX on XXXX XXXX, XXXX. The XXXX management is attempting to extort me after keeping my {$150.00} deposit. Now XXXX is wanting an additional {$120.00}. They are claiming that I left drywall damage, which is not true, the building I lived in ( XXXX ) foundation was repaired XX/XX/XXXX, this is what cracked the sheet rock. They also claim door and counter top repairs. The apartment was broken into before I moved in, the repair that maintenance made to the door was sub par and done incorrectly. I noted this on the move in check sheet XX/XX/XXXX along with the counter problems.
06/07/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 114XX	Web
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.
06/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	DC 20019	Web
Fair Collections has violated in multiple ways. 15 USC 1692d ( 2 ) The use of Obscene & Profane language 15 USC 1692c ( a ) Without the prior consent of a consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with any debt. 15 USC 1692b ( 5 ) not use any language symbol on any envelope or in content of any communication effected by mail or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of debt.
03/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	NV 89506	Web
I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with XXXX. I had my ID stolen at age XXXX, my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated.
07/16/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10704	Web
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights. I am not liable for this debt and do not have a contract with them. They have not provided me with any of the documents I continuosly ask for.
04/06/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 19382	Web
In XX/XX/XXXX we paid this account. At that time we were repeatedly assured by the agent collecting the debt that paying it would 'help '' our credit scores and that they would remove the account from our credit in XX/XX/XXXX. They said in XX/XX/XXXX it would report a {$XXXX} balance, which it has done. We did have to note that updating the account resulted in a decreased credit score, not " helping '' as promised. We also have not yet seen it deleted from our credit, as promised. They have clearly violated our rights according to the FCRA and FDCPA by misrepresenting their intentions. HELP US PLEASE
02/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33309	Web
I set up a payment agreement XX/XX/2019 with this collections company for a debt that I had. They were supposed to send me updated statements monthly as well as report my balances to the credit bureau month to show my payments and the decrease in my amount. My monthly payments are about XXXX for 6 months and at this time they still have my outstanding balance as XXXX. This is affecting my credit score because it seems as though I havent made payments and its affecting my debt ratio. Ive made several attempts to contact them and they keep saying that they havent received my request or I have to wait.
01/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 336XX	Web
The collection agency is Fair Collection and Out. I have disputed the amount multiple times with no help. Recent dates include XX/XX/2021, XX/XX/2021 and today. I have spoken with two representatives on the phone and even left a message for a manager. I have informed this company that the paperwork submitted to them from the original debtor is false and they are still not willing to help me. The original debtor no longer exists. I am trying to get this taken off of my credit but they are basically telling me I have no choice but to pay it or leave it on my credit. I just want this problem resolved.
07/27/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 20814	Web
My name is XXXX XXXX XXXX. Someone named XXXX XXXX owes debt to their landloard. FCO is trying to collect the debt. I've told them that I am not XXXX XXXX ( different last name and spelling ) and that I have lived in a house I purchased during the time the debt was incurred. They keep calling and asking me to provide more information under threat of reporting me to collections. have indicted that I am not the person listed on the correspondence and the relevant facts could be verified with a basic public records search. Threatening to damage my credit so that I can do their job for them is absurd.
01/11/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	IL 60073	Web
On XX/XX/XXXX, a XXXX XXXX from Fair Collections and Outsourcing called my phone # of XXXX and divulged to an unauthorized 3rd party that I owe a debt. Thereafter, this person also called my work and left a voicemail at my extension stating that there is debt owed. This, I beleive, is considered as unfair practice. On XX/XX/XXXX, the same person called XXXX six times which constitutes harassment. Secondly, i have not received any invoice or debt validation showing the breakdown of the amount of {$7400.00} that they are saying that i owe. i also would like to request for a copy of the contract.
10/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33054	Web
Fair collections and outsourcing is trying to collect a debt for XXXX, in which they are not licensed in Florida to collect a debt. Pursuant to Florida law ( Fla. Stat. 559.553 ) debt collectors and out of state law firms must register with the Florida office of XXXX XXXX as a Consumer Collection agency before engaging in collection activity in the state of Florida. the debt that XXXX XXXX and outsourcing is claiming that I owe is a debt in Florida, and this is a violation of both state and federal law. Please remove this debt from my credit report and cease and desist in any collection activity.
05/26/2022	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 77339	Web
On or about XX/XX/2022 Fair Collections and Outsourcing ( FCO ) called and informed my mother, XXXX XXXX, on her personal cell phone that they were attempting to collect a debt in my name in a specific dollar amount and demanded that she provide the FCO representative with my phone number and told her I was in trouble. This is a direct and severe violation of consumer and privacy rights. FCO is an abusive third party debt collector and I have provided a letter disputing the accuracy and veracity of the debt they claim to be collecting. FCO is located at XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX.
03/16/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 34787	Web	Older American
Collection company for a rental property that I did not authorize to use my personal information as a co signer on a lease to a property I have never lived at nor signed for. Apparently debt went in to collection in XX/XX/XXXX for a rental in XXXX. I was made aware in XX/XX/XXXX and dispute legality of the collection to me. Company told me to file police report and they would remove from my credit report which I did and provided documentation. Still refuse to remove. Since that time debt has been settled with original signer but this still reports on my credit report and has caused me great harm
03/02/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20708	Web
I obtained a copy of my credit report and noticed this negitive account that is not mine. I never done and business with a company named XXXX. Please provide me with the following. What the money you say I owe is for. Explain and show me how you calculated what you say I owe : Provide me with signed copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
10/19/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33127	Web
I broke my lease with XXXX at XXXX to move to a better location. The account went into collections and was purchased by Fair Collections and Outsourcing ( FCO ). I paid off the debt directly with XXXX at XXXX, who no longer has any records of the debt. FCO continued to report negatively to the credit bureaus, however, and failed to validate the debt at my request. On XX/XX/2018 I sent FCO a certified letter disputing the account and included a copy of a letter I received from XXXXe at XXXX confirming that they have no records of the debt, but FCO is still reporting the account to XXXX and XXXX.
04/08/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IN 46222	Web
The last months rent was paid and the property owner kept the security deposit. The amount owed certainly isn't a rent payment so it must be that the owner seems to think that the cost of repair to the unit was greater than that of the security deposit. If this is the case then I want itemized receipts showing what was done and by whom which were never provided, and the records of my payments to you and the security deposit amount. Only now that it is on my credit am I aware of these charges. This method of business is certainly not one that leaves you in very good standing with your tenants.
10/13/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 22204	Web
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
11/15/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	SC 29203	Web
XXXX 2015 I went into XXXX XXXX at XXXX XXXX XXXX XXXX SC XXXX currently called XXXX XXXX XXXX XXXX XXXX after receiving letter from collection agency stating I owed a Balance of {$3500.00}. I spoke with the assistant Manager at the time name XXXX and explain that this balance was not correct and she went to look for file and said that it was not in the office due to changing management companies. She was able to find some info online and saw where I only owed {$1200.00} and I paid that to them at that time. This is still being reported on my credit and with wrong amount original debt amount.
01/22/2024	Yes	Debt collection Rental debt	Communication tactics Frequent or repeated calls	AZ 85224	Web
From the XXXX XXXX of XXXX I have received over 15 calls total in one week to 2 different # s. The company, FCO, has a debt that belongs to XXXX XXXX and has had prior conversations with me regarding this debt. I was removed 6 months into a 24 month lease and have paperwork that should have been provided to them by XXXX XXXX XXXX XXXX XXXX ) saying as such. I have attempted to call the original creditor and get sent to voicemail repeatedly. No one has responded to me in regards to why they will not look at the paperwork and FCO is dialing MORE than the 7 dials per consumer in 7 days rule.
08/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 70601	Web
Upon pulling my credit reports, I noticed a company, Fair Collections and Outsourcing, placed an account in the amount of {$3100.00}. I disputed this information as I thought it was inaccurate. After receiving the validation the sent. I reached out again to inform them that this was not my account. The company never responded and the validation didn't have any proof of signature or identification that matched mine. I'm unclear if it is a company mistake. I believe this is identity theft and would like this promptly removed from my credit files. This account is hindering my credit health.
06/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 94509	Web
I was XXXX since XX/XX/XXXX till XX/XX/XXXX in XXXX XXXX I came out ever since I been out someone falsely use my identity, I been trying fix it having hard time I reported to my XXXX XXXX about it he said theres no way it could have been you since u was in XXXX XXXX so I reported to the FTC, I have send XXXX XXXX letters trying fix it but on the XX/XX/XXXX I send a letter with all my info and ftc report as well and I just received report XXXX items still on my report they said verify how cant that be if I was not even out in society? After this, need file a lawsuit against all involved
09/29/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	FL 32114	Web
Fair Collections & Outsourcing has an account with my name, without my knowledge or consent, and they are reporting an eviction to the credit bureau agencies ( XXXX, XXXX and XXXX ) for a place I never lived in. My information was used fraudulently to obtain a home which I had no knowledge of until the debt collection showed on my credit report from Fair Collections & Outsourcing in the amount of {$1500.00}. I have not, nor ever given consent to this company to have an account in my name or to send out my information to anyone. According to my credit report this account opened in 2017.
03/22/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85233	Web
I have sent numerous letters to XXXX AND XXXX remove an account open fraudulently in my name. They are violating my rights as a consumer. XXXX XXXX has already removed this collection and they still refuse. This is hindering me from getting housing for me and my son. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of their alleged debt, nor therefore any such debt, in fact therefore exists. FAIR COLLECTIONS & OUTSOURCING Account number XXXX ( INACCURATE ) Date opened XX/XX/2020 ( INACCURATE )
08/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	DC 20019	Web
In accordance with the United States Code A consumer is entitled to 100 % accuracy on a consumer report. After reviewing my report Fair Collections Account # XXXX is reporting inaccurate information on my consumer report. My open date is different on all three credit bureaus, my Last Reporting date is incorrect on all three credit bureaus also my last active date is incorrect on all three credit bureaus. I would like for this account be removed as it is causes me financial harm and my family financial stress. I am unable to obtain a home because of this account and it is inaccurate.
06/09/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20906	Web
FAIR COLLECTIONS & OUTSOURCING, INC.has placed a negative collection item on my XXXX credit report for {$4800.00}. I have never had any contracts with Fair Collections & Out or any of their clients. FAIR COLLECTIONS & OUTSOURCING , INC. has harassed me with numerous phone calls as well as emails on a daily bases. They are reporting inaccurate information on my credit reports and have failed to validate any debts that they claim that I owe. This collection is erroneous and does not belong to me. I am requesting the immediate removal of this erroneous account which is date XX/XX/2020.
07/29/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60085	Web
I received an email stating an account was added to my credit report from XXXX XXXX XXXX XXXX, original creditor XXXX XXXX XXXX for the amount of {$880.00}. It was opened XX/XX/2018 and states it's a joint account. I called them and asked for the information pertaining the account and was told it was fraud for a rental property in the state of Texas. They advised me to get a police report. When I looked at the account again on XXXX XXXX the remarks stated " account information disputed by consumer, meets FCRA requirements '' meaning they verified it belongs to me. Which it does not.
11/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	NE 68111	Web
On the date of XX/XX/XXXX i sent out a dispute letter for XXXX XXXX XXXX with the amount of {$6800.00}. I sent off the XXXX letter to XXXX that there was inaccurate information reported and i would like if they followed The Fair Credit Report and removed the item from my credit report On the date of XX/XX/XXXX XXXX sent out a dispute letter for Fair collections & outscoring for the amount of {$2300.00}. I sent out the section XXXX letter to the bureau expressing the inaccurate information that has been reported. i would also like if they removed this item from my credit report.
08/23/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10030	Web
FCO has repeatedly called me -- literally everyday even on the weekends about a debt that is not mine. They have also reported negatively on my credit report stating that I owe {$3300.00} for an apartment in XXXX XXXX, California. I do not now nor have I ever live in XXXX. In my entire life I have only lived in XXXX as an adolescent, XXXX XXXX while in college and XXXX as an adult. I do not owe this debt and this false reporting is deeply effecting my life. I have also requested information regarding what the debt is for in detail and this information has not been furnished to me.
10/24/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	DC 20016	Web
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.
02/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 310XX	Web
I received a bill from a collection agency in the mail today. I thought it was bogus bc I've never heard of or had any affiliation with the companies listed on the letter. I called no one answered. The realty company ( XXXX XXXX ) that was listed as the creditor answered the phone and told me they were across the country and had no facilities anywhere near where I live. I then pulled a credit report and there have been numerous hard/soft inquiries from various rental companies and power companies ranging from the east to west coat that are fraudulent dating back since XX/XX/2018.
03/29/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MI 49509	Web
As per the last complaint and reply. I am sending more information about the reason this item should be deleted permanently regardless of who owns this debt falsely put onto my credit report ( s ). The item was deleted before and put back onto my reports. Also it is in violation of the fair credit laws as it was sent to collections a full month before they claim they sent me a letter, which I never received, about this debt. I will attach documents to show both statements are true and the item needs to be deleted permanently from my credit reports regardless of ownership of debt.
12/18/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30096	Web
I along with my parents have been receiving phone calls from a debt collector regarding a debt that does not belong to me. I 'm certain that the debt does not belong to me based on a letter I received from Fair Collections & Outsourcing, XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX. The calls came from XXXX & XXXX. They have merely used the internet and available information to connect me to someone I know that owes a debt, but the debt is not mine. This is just a scheme to collect the debt and they do n't care who they collect it from. I want them to cease and desist contacting me.
11/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC XXXXX	Web
In 2018 I was a victim of identity theft, which accounts were made with housing that was not me I discovered fraudulent accounts had been opened with XXXX XXXX also represented by XXXX XXXX XXXX apartment investors/ and Fair XXXX XXXX XXXX XXXX Also XXXX XXXX is reporting fraud account to credit reporting agencies. I immediately filled a police report with XXXX, nc XXXX XXXX police department because of fraud. These accounts were soon removed because they were fraudulent. Now these accounts are back and reporting a negative on my credit report preventing me from getting a home.
12/29/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30078	Web
I Have been an a victim of Identity Theft for a few years now. Fair Collections & Outsourcing XXXX XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted Fair Collections & Outsourcing XXXX XXXX/ and the Original Creditor and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the XXXX and FTC! This is unacceptable!
12/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	HI 96815	Web
On XX/XX/2020, FAIR COLLECTIONS AND OUT add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA FAIR COLLECTIONS AND OUT has violated my rights as a consumer and I requesting legal action to remove this account immediately.
09/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	KY 402XX	Web
Fair Collections and outsourcing agency have sent letter to me attempting to collect a debt that is not owned by me. I have notified them and let them know they are a third party attempting to collect a fraudulent debt. I have sent them a copy of FTC report. I am by no means going to tolerate them bullying me into taking responsibility of debt that is not owed by me. I have told them to seise all communication and attempts to collect debt not owned or I will take legal action against them. This collection agency is in complete violation of Fair Debt Collection Practices Act.
10/17/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 902XX	Web
Last XXXX XXXX, XXXX, I wrote a letter pursuant to FDCPA and FCRA, requesting copies of validation documents with regards to this account they are reporting allegedly on my credit report. To date, I have not received any validation document from this company. More than 30 days have already past and this account is still unvalidated. The account number, balance, opened date, date account assigned/sold to them my personal info, everything has not been validated. Attached are copies of the letter I sent them last XXXX XXXX and the letter I am sending them today XXXX XXXX, XXXX.
02/16/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11801	Web
I receive a Letter from this Debt Collect company at XX/XX/XXXX. The comany said I have a {$18000.00} debt. Creditor is XXXX XXXX XXXX, XXXX XXXX XXXX. I never heard this name before. I search this address. It's a building in XXXX. I never live there before. I don't know why they said I owe them money. I try call the Debt collect company at XX/XX/XXXX. The man who answer the phone know nothing, I told him they look for a wrong person. He asked my last 4 SSN number, I give to him. Then he hang up. I thought this is done. Now I receive a letter from them again at XX/XX/XXXX.
09/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 76021	Web
This company has put an erroneous entry on my report from XXXX apartments and Fair Collections and Outsourcing. The only verification anyone has received about this entry, is verification of my name and that I lived there, which was never the dispute. I do not owe this charge. This company failed to provide me with the photographs they claimed to have showing the things I was being charged for nor did they provide me the receipts proving they paid out for these charges. No business would pay this kind of charge without confirming the alleged damage and proof of the repairs.
12/02/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	GA 303XX	Web
Used multiple, aggressive forms of communication. I have unsuccessfully tried to resolve the debt of a monthly payment of 5 % of the total debt and pay the full debt, rather than a lesser settlement. They stated they would either only accept 10 % of the total debt as a monthly payment, or half of the total debt in full. When I did not agree and questioned options, they stated they would rather keep my account in collections on their terms rather than accepting any form of payment from me. Not only unprofessional communication, but rude and aggressive threats of retaliation.
04/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	GA 30316	Web
Fair Collections & Outsourcing XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. XXXX The collection agency is aggressively attempting to collect a debt that does not exist for the amount of {$200.00}. I have submitted documentation that show that amount was paid in full on XXXX XXXX 2015 to XXXX XXXX XXXX XXXX .The collection agency continues to contacts me weekly, for the said amount and has recently reported the non existing debt to the credit reporting agencies. They have made no attempt to fix their mis communication and have become increasingly aggressive in their tactics
06/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	AP XXXXX	Web	Servicemember
The last apartment complex I lived in ( XXXX, VA ) sent me charges for unpaid rent, water and sewer, damaged blind, damaged carpet and late fees. This charges I disagreed with and asked them to substantiate it but was rather sent to a collection agency. I paid my bills on time or early each and every month for the 4years that I lived there and was never once late especially for an apartment complex that has no grace period and all rent/bills has to be paid by the XXXX of each month or risk paying late fees. My credit is now destroyed and its all base on falsified charges.
02/23/2023	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	FL 338XX	Web	Older American
Used to rented invitation home in XXXX FL for 4 years from XXXX to XXXX with no any payment issues. Unfortunately have to exit before contract expires due to help relative in XXXX. Notified property manager about this unexpected event and got ok from them. After a few months surprisingly and shockingly I discovered collection on my credit report for {$11000.00} from invitation homes. Don't receive any note or letter from invitation homes at all about their intentions to send us for some reason to collection. What kind a practice is that. Need help on this case, thank you
10/11/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	GA XXXXX	Web
Second time Ive received a letter saying I owe for an apartment that Ive never rented out this time its with XXXX XXXX XXXX Ive called the communities property and they said its gone to collection saying I owe XXXX and Ive been living in my house since XXXX XXXX no need to rent an apartment. This the second time my identity have been stolen I still have police report from the first time and I will be getting another one for this time. I no longer use the last name XXXX Ive been married since XXXX XXXX my new last name is XXXX. Never even been to that side of town or area
06/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32256	Web	Servicemember
I've disputed this account several times with the collection agency that this is not my account. I filed a FTC report as well and they're still trying to collect this debt. This collection is damaging my credit report and causing me several thousands of dollars in higher interest rates as well as I lost the ability to purchase an investment property. I've spoken with this agency several times with no resolution. They also can't provide any information after making several requests to verify and validate the debt. We're seeking litigation as well to resolve this matter.
10/10/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91763	Web	Older American
I XXXX XXXX ORDER COPIES FROM ALL THREE MAJOR CREDIT BUREAU I NOTICED THESE REPORT WHERE SHOWING I BEEN PLACE FOR COLLECTION FROM A COMPANY NAME FAIR COLLECTION OUTSOURCING CALL THEM UP TELLING EMPLOYEE THERE BY PHONE THAT I DEFINITELY DISAGREE SO I FILE A DISPUTE WITH ALL CREDIT BUREAU TIME PASS I REMEMBER BEFORE MOVING OUT TO A NEW APARTMENT THEY REQUESTED I NEED TO GET A RESIDENT VERIFICATION LETTER FROM PREVIOUS LANDLORD THAT I DID GET FROM THEM DATED XX/XX/2015 WITHIN VERY GOOD STANDING MY RENT IS DUE XXXX OF EACH MONTH WITHOUT LATE FEE AND XXXX BALANCE NO EVICTION
06/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX XXXXX	Web
I received communication from XXXX Collections company, regarding an owed debt to XXXX XXXX. Upon my return call, I asked what the debt was and they informed me that it was for a rental house in XXXX, Texas. I don't live in XXXX or even the county of where XXXX is located. I informed them of how Long I've lived in my city. They let me know that I would need to fill out fraud paperwork with them. They sent me the packet and also strongly encouraged me to file a place report. Which, I have done. So far, my name was the only thing used. Not my social or bank information.
12/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Problem with personal statement of dispute	MN 551XX	Web
I XXXX XXXX XXXX ( XXXX ) requested that XXXX and XXXX remove this account from my credit consumer report via certified mail number XXXX XXXX XXXX XXXX XXXX FAIR COLLECTION & OUT XXXX XXXX XXXX XXXX XXXX XXXX XXXX. MD XXXX contact number XXXX to send me the original contract that shows that I have a contract with this company and provided my wet ink signature showing that I have entered into a contract for this company to collect any debt. this company is in several USC violations for false reporting USC 15-6802, Title 18 USC 241 , UCC 9-210 15 USC 1681, 15 USC 1601
09/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30046	Web
This collection attempt is not a valid debt. I have disputed this numerous times and was able to have it successfully removed from everyone but XXXX. This is from 2011 from an apartment complex named XXXX XXXX. I owed this company nothing and was never evicted/ broke any contractual agreement. Since company has since gone out of business. Therefore, I 've had numerous difficulties verifying what specifically this debt is in reference to. Speaking with this collection companies represenatives have proven to be very stressful and provided XXXX clarity or resolution.
11/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	MD 20878	Web
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior
07/11/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NY XXXXX	Web
I have tried several times to have FAIR COLLECTIONS & OUTSOURCING to send me verification of debt. on to this day I have n't received any notice from them. I would like them to completely remove any negative mark on my credit reports. XXXX Account Type : Collection Account Type - Detail : XXXX XXXX XXXX : Joint Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$3400.00} No. of Months ( terms ) : - High Credit : {$3400.00} This is the only information that I have of this dept that is showing on my credit report
02/25/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30294	Web
I am following up on a collection notice I received stating that I owed unpaid rent for XX/XX/XXXX in the amount {$1100.00} due to me moving or lease termination. I am still living at the address in question uninterrupted since XX/XX/XXXX and have not missed any payments. I previously addressed this issue in court in XXXX and the case was dismissed since I did not owe the funds. I was unaware the collection remained until completing an application to rent another property and I was contacted by mail from a collection agency trying to collect on the same debt.
08/02/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC 28269	Web
I was contacted by a debt collection agency after attempting to contact XXXX XXXX myself about the oversight on amount owed at which they faiked to reply. Emaik receilts from our i itial move in was also sent to the company. In late XX/XX/2019, was sent a debt collection letter by a company at which I responded with a cease to desit lettwr and verificication which they did provide. On the details it clearly states that the flooring was ( poor ) upon move in but they have charges of over XXXX. We would like this removed for failure to collect the correct amount.
06/10/2015	Yes	Mortgage Other mortgage	Settlement process and costs	TX 769XX	Web
XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. I orginally had signed a lease for 6 months at this complex but later on that day I found out that I was being laid off ( During the Financial Breakdown of 2008 ). I called the then property manager XXXX and let her know what had transpire and she agreed to cancel the agreement. Three years later I have a collection hit on my credit report of a broken lease with XXXX XXXX from Fair Collections and Outsourcing. I have never lived in this complex and I have been fighting with them to take this off my credit report.
12/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 15212	Web
I Recently looked at my credit report It has come to my attention that ( XXXX XXXX XXXX, and FAIR COLLECTIONS & OUT ) has acquired and shared my information to other companies without my written permission. According to 15 USC 1681b - Permissible purposes of consumer reports, any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. This is also a violation of 15 USC 1681 ( a ) ( 4 ) Infringed Upon a Consumers Right to Privacy.
01/25/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 20852	Web
Attempted to contact Fair Collection and Outsourcing about multiple accounts. These accounts are reporting under a false address when I brought this to their attention, I was given the run around. I sent multiple certified mail and was told I could only dispute the account twice. Phone calls were sent straight to voicemail and never returned. Emails were never answered. Under the Fair Debt Collection Practices Act. I as the consumer are entitled to information that would validate the account. In this case It would be a signed agreement between myself and FCO.
11/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MD 21236	Web
I don't have a contract with a binding agreement with and this is inaccurately reporting to. Submitted more than XXXX days ago and they failed provide physical proof of this XXXX XXXX XXXXXXXX Fair Collections # XXXX The following items where also on report and I did not give authorization for the following to pull or access credit and I have contacted the reporting agencies on this matter and nothing has been resolved. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
11/08/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 93308	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on FAIR COLLECTIONS & OUT XXXX Balance Owed : {$940.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
05/09/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	FL 344XX	Web
I have been in communication with FCO. They are very uncooperative and make things very confusing, on purpose. We had make an arrangement for a debt to be settled as in full. Payment was made and cleared. Now they will just report as a settlement and not in full as they stated in their email. This company is very unethical and uses words to confuse the average consumer. I am very unhappy with their sneaky ways. The payment was made from two accounts on XX/XX/XXXX and cleared both accounts on XX/XX/XXXX. Attached is the communication between FCO and myself.
10/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 485XX	Web	Servicemember
I have a collection from Fair Collection and Outsourcing on my XXXX credit report. I filed a dispute informing XXXX on the Fraudulent account. That I never authorized nor did I apply for any business with Fair Collection and Outsourcing. Why are they reporting Negative information on my XXXX credit report. I have know knowledge of this collection. This collection has held my credit score down for 3 years. I can't even get a dog on lease with XXXX credit score. Let along the credit to buy the dog some food. I ask that this collection be removed IMMEDIATELY.
01/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	IL 60440	Web
Hello, I have disputed an account that is being reported on my credit profile with a company by the name of " Fair Collection & Outsourcing. '' several times. I have NEVER had done with business with them or an account with this company. I do not know who they are so I have requested their company to provide me with legal documentation of their rights to collect on this alleged debt. As you see in the letter they are stating that they are not legally required to respond to my requests. I have being trying to rectify this matter for well over three months.
01/16/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 334XX	Web
Please consider this as my formal complaint to the FAIR COLLECTIONS & OUTSOURCING for allowing the fraudulent account and for not taking corrections on my credit report. I have my dispute letter dated XX/XX/2024, with the identity theft report number XXXX.They allowed the fraudulent account to be reported in my credit file without proper notification. As I checked my credit report this is the fraudulent account still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
11/01/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 27616	Web	Servicemember
After discovering that this company had placed a " paid collection '' account on my credit reports, I disputed the account with the credit bureaus. The account came back " verified ''. On XX/XX/XXXX I sent the company the attached letter. They ignored it. On XX/XX/XXXX I filed a complaint with the Better Business Bureau and they ignored them as well ( please see attached ). I am now filing a complaint with the CFPB. We will see if they will ignore you too. I am a veteran of our military forces. I did not fight for this. What is going on in our country?
01/20/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	DE 19901	Web
I disputed this account awhile ago but still have not received anything I asked for to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I asked for. Assignment clause Notarized letter of debt purchase Signed contract from original creditor Copy of license to collect in my state legally The amount saying to be owed is {$3400.00} They are saying it is verified but where's my proof? What methods are you using to verify?
06/07/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	FL 33023	Web
I am writing to request the immediate deletion and removal of the following accounts and associated information from my consumer report. It has come to my attention that the reporting of these accounts and information is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). It is imperative that you take prompt action to remove these accounts and information, as their presence on my consumer report violates multiple laws. I insist on the immediate removal of these accounts and information.
10/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78634	Web
Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
08/07/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 91343	Web
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.
06/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43035	Web
Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, Fair Collections And Out # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX.
11/27/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 92618	Web
# 1. Not doing due diligence and debt verification - even after repeatedly showing discrepancies in the collections amount. # 2. Encouraging me to pay up disputed amount Encouraging me to pay because I am receiving a 30 % discount # 3. Detail emails questioning validity of the collection amount sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. No response. # 4. Called walked thru the discrepancies XX/XX/XXXX - received acknowledgment the agency understood what I was talking about. I am disputing the amount that added up to {$540.00}
02/21/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MD 207XX	Web
Fair Collections & Outsourcing ( FCO ) is reporting an account on my credit report that was paid and was suppose to be deleted from my credit reports once I agreed to pay them. The account is past the 3 year statute of limitation in Maryland and this account is from XXXX to XXXX. I paid the account as a settlement with the agreement that it would be removed once it was paid. I was told that they had the agreement from there client XXXX at the XXXX to offer the settlement for deletion but they continue to report this account on my credit reports.
10/10/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30157	Web
I was first contacted by XXXX XXXX who called me from several different phone numbers, that were disconnected upon callback. I told XXXX that the debt they were attempting to collect was incorrect. He proceeded to tell me that he didnt care if I thought the amount was wrong, and if I didnt pay in full they would hurt my credit. I attempted to write this creditor and contact several times. After multiple failed attempts to receive documentation from the collector, they placed the item on my credit causing a triple digit decrease in credit score.
06/11/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	AR XXXXX	Web
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 2 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
02/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	GA XXXXX	Web
I settled a debt with XXXX XXXX and XXXX on XX/XX/XXXX. The account is 7 years old ( it first had delinquency in XX/XX/XXXX ) and it should be removed from my Credit Report. I checked my credit reports from the 3 major credit bureaus within the past 30 days and noticed that this information still remains on my credit report. Please remove this negative account and please provide me with a receipt for that transaction that shows that I paid for this account. I never got my receipt that I called and asked this company for on multiple occasions.
03/23/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	VA 23608	Web
The apartment complex is calculating charges that are not owed and doesn't match the information on move out inspection sheet. The apartment complex is trying to charge for things that were existing before I moved into the unit. Pictures and documentation prove that the charges are inaccurate and unfair. There was never an itemized breakdown of what is being charged. XXXX XXXX XXXX recommend removal because a pet lived in the unit there are no itemized break down of the cost. There were previous pets that lived in the unit before move-in.
06/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MD XXXXX	Web
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.
04/13/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78411	Web
I received a letter in the mail today, XX/XX/XXXX, saying I owe {$3600.00} to XXXX XXXX XXXXXXXX XXXX for an unpaid lease from Fair Collections and Outsourcing. I have never lived at this address/ neighborhood, nor do I even know what or where it is. This debt is being falsely accredited to me and must be removed effective immediately. I DO NOT OWE A DEBT TO ANYBODY OR ANY COMPANY. If this debt is not stricken and removed from my name effective immediately, I will be pursuing legal recourse against this company for fraudulent activities.
01/22/2023	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	GA 30318	Web
The information is incorrect. The original creditor received payment and requested termination of the lease. This account continues to show up on my credit as an active collection and needs to be removed. I have filed 4 different disputes none in which a signed agreement was provided. I need this removed from my credit immediately to secure safe housing. The apartment complex failed to repair and requested my move out prior to accepting funding from the XXXX rent relief. Funds have been sent in full prior to the open date of collection.
05/24/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	VA 20105	Web
Reached out to apartment complex about settling XXXX $ move out fee on XX/XX/21. They advised me to send them a check to clear the fee. Two weeks later the debt appears with a collections agency. Apartment complex tells me they made mistakes and that I need to actually pay the debt to the collections agency. I have disputed with my XXXX who ruled in my favor. The apartment complex is refusing payment and the collections agency is doing an investigation as to whether or not the debt should be paid by me to the complex or the agency.
09/26/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	KS 67846	Web
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
09/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77662	Web
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
08/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	KS 67846	Web
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
08/21/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 331XX	Web
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
01/15/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 27616	Web
I am filing a complaint against this collection agency because I disagree with the amount that the company is trying to collect : {$7500.00}. I have repeatedly asked for an itemized detail of the charges to show what constituted that amount. However, the collection agency only responds with a copy of the lease and a one-page statement that just says {$7500.00} on it. A copy of the lease and one page that says {$7500.00} does not constitute and itemized detail of charges. They have still not provided the information that was requested.
05/30/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IN 473XX	Web
This was during the Covid 19 pandemic. House was rented and government help was applied for, for rent and utilities and they were approved and paid by the state of Florida. After I moved out they continued to charge monthly rent for over three months or more, I really dont know. Utilities had all been disconnected and yet again, they still continued to charge rent, and whatever else they charged. I had a {$2000.00} deposit and didnt see one penny of that. Now they are reporting it to my credit file and I want it removed immediately.
02/04/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AR 721XX	Web
I sent a Debt Validation letter via postal mail that was dated XX/XX/2019 to Fair Collections & Outsourcing. It is now XX/XX/2019 and I have not received anything Validating the alleged debt that they have listed on my credit report. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation. This collection account is 100 % not mine. It is showing a debt from XXXX XXXX which is a place that I've never lived at. I have been a victim of Identity theft and this account should be removed immediately.
09/17/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 20874	Web
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.
08/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MI 48125	Web
Company called has added a note on my credit report and calls more than 3 times. They say they are doing this on behalf of a leasing office which claims I owe them money whereas they actually did n't pay for the damage my property suffered because of the lack of maintenance their contract has to provide. My loss was for {$3100.00}, they claim I owe them over {$2100.00}. They actually have a debt with me as they also kept my deposit of {$400.00} which accrues everything up to almost {$3500.00} without considering fees and interest.
10/31/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33625	Web
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?
04/14/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MS 38654	Web
I have reached out to Fair Collections & Outsourcing several times since XX/XX/2020 ; asking them to send me any information validating that I owe Fair Collections & Outsourcing for the alleged debt of {$1300.00}. They have yet to send me any validating proof that I owe them in the amount of XXXX for such alleged debt. I am asking the CFPB to hold them accountable in removing this alleged debt from ALL 3 major credit bureaus as this erroneous debt is hindering my ability to receive a modified mortgage at a better affordable rate.
02/11/2019	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MD 20747	Web
FCO has been trying to collect money from me for an apartment. they state that I owe XXXX I have made several attempts to inform them that I don't owe the debt. I recently contacted them to once again dispute the information. they informed me that they sent the information to there clients and its no telling when the client will get back to them with the response. I asked them if it was a timeframe for the client to answer they told me know. I want my account updated and or deleted because I don't owe the debt they are claiming.
03/06/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34759	Web
SOMEONE MAY HAVE USED MY PERSONAL INFORMATION TO RENT AN HOUSE IN XXXX FLORIDA. THERE ARE SOME MISTAKES THAT CAN HELP THE CREDIT COLLECTOR TO SEE THOUGH THIS SCAM FOR WHAT IT IS BUT THEY REFUSE TO REMOVE THE ITEM FROM MY CREDIT. 1. NEVER LIVE IN THIS ADDRESS AND NEVER SIGN ANY LEASE IN PERSON OR ONLINE. 2. MISSPELLING MY FIRST 3. NOT MY SIGNATURE ON THE LEASE AND I DON'T KNOW ABOUT IT. I'LL SUMMIT MY MORE PROOF ON YOUR REQUEST. Creditor : XXXX XXXX XXXX XXXX Credit collector : Fair collections & outsourcing Account # : XXXX.
03/27/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MD 206XX	Web
My husband and I terminated our lease early and incurred move-out costs and early lease termination costs as a result. I called the apartment management to get a balance and was told we would receive a bill shortly. Two weeks later we receive notice from a debt collector ( FCO ) telling us we owed {$2500.00}. I agree that we owed {$1100.00}. XXXX, however, the apartment complex did not account for a payment we made to them in the amount of {$1300.00} on XXXX XXXX, 2016 ( prior to our move-out ) and did not include this payment.
06/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44118	Web	Servicemember
This is account is incomplete and not mine. I'm ever sure who the creditor is maybe as it's not displayed but impacting my score. Also, if they believe this is my account, please validation of debt. Account # XXXX Here is the Second account listed as XXXX but when I looked up the address it shows up as Fair Collections & Outsourcing for Account # XXXX. please provide validation of debt for this account as I'm familiar with it. I sent a certified letter to Fair Collections & Outsourcing requesting Validation of Debt as well.
07/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77077	Web
Fair Collections and Outsourcing are Reporting a Rental Debt that is beyond the Statue of Limitations. Subsequent, to my request to Validation of Debt, Fair Collections and Outsourcing sent me to the sign Rental Agreement and Ledger. The Ledger shows the First of Delinquency beginning around XX/XX/XXXX to XX/XX/XXXX and was never brought current in which led to the eviction process. Although, XXXX was supplied the Ledger, it refused it and now Fair Collection and Outsourcing continues to report the debt on my Credit Reports.
04/22/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30014	Web	Older American, Servicemember
XX/XX/XXXX requests information about a unrecognized debt : On XX/XX/XXXX the information requesting proof of ownership and authorization that they were assigned this debt was not provided. I requested the information for the second time on XX/XX/XXXX by certified mail from : FAIR COLLECTION & OUTSOURCE This unrecognized debt is on all 3 credit bureaus. My information has been found on the dark web and I am not sure what happens when it appears on that website. The above information has been reported to the credit bureaus.
01/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	DC 20019	Web
On or before XX/XX/2017 I called FCO to settle a debt in the amount of {$2500.00} in exchange for them to delete this collection account from my credit file. The agency agreed to a pay for deletion. I paid a settlement amount of {$1200.00} but the creditor has never removed this collection from my file like promised. I was not aware that if they agreed to delete for payment that they have to uphold this agreement until now. This creditor breached the verbal agreement and they need to make good on their part of the agreement.
07/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IA 505XX	Web
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.
01/29/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 20852	Web
Fair Collection and Outsourcing does not have a signed contract to that states I agree to pay them. The Fair Debt Collection Practices Act and the Fair Credit Reporting Act clearly state this. In my past dealings with FCO, they were very non communicative, rude and dismissive when a consumer disputes an account with them. FCO will tell you can only dispute an account twice. Which is violation of the FCRA and the FDCPA. Reporting an noncollectable account with the Credit Bureaus as a current balance a violation of the FDCPA.
08/13/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 20774	Web
On 5 different occasions I have contacted Fair Collection and Outsourcing in XXXX XXXX MD XXXX @ XXXX. I have sent over my police report for stolen identity. I have signed an affidavit that this was not my account. I lived at XXXX XXXXXXXX XXXX XXXX XXXX Maryland XXXX from XX/XX/XXXX - XX/XX/XXXX. I have provided my DL and they are refusing to remove it from my credit report. I work for the department of homeland security and have to have this unpaid debt removed from my credit report inorder to maintain my clearance.
06/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33905	Web	Servicemember
proof of address during time accused. I want this debt removed. I suffer from XXXX it hard with this going on I pnly have 3 days to applyfrom my graduate loan I need this collection off my credit. Its not mines Please remove I need to get my graduate loan. Please I need this off now. I lost my family in covid. Th is is all have to look forward to. I beg you please remove it. I almost lost my job my call to y work place. You cant have bad credit. Everythinhg is falling apart. My pstd is kickng in please delete. I beg you.
05/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NC 27127	Web
SIGNED A LEASE WITH AN APARTMENT COMPLEX BECAUSE THEY SAID THEY WERE PET FRIENDLY, TWO DAYS LATER I TOLD THEM I WAS BRINGING MY DAUGHTERS DOG IN AND THEY ASKED WHAT KIND. AFTER I TOLD THEM THEY SAID NO - I SAID THAT THEY SHOULD HAVE TOLD ME THAT UP FRONT AND TO JUST TEAR UP THE LEASE AND I WOULD GO ELSEWHERE. THEY SAID THEY NEVER DO THAT AND THEY WOULD SEE ME IN COURT. I LEFT AND THEY KEPT ALL MY DEPOSITS AND LEASE,,,, ALL I WANTED TO DO WAS LEAVE BECAUSE THEY LIED,, THEY KEPT MY MONEY AND TURNED IT IN FOR COLLECTION
10/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75241	Web
I've sent letters to the companies to who tries to collect a debt that's not mines. I asked for the original creditor and gave them 30days to verify the debt. No one did so they keep reporting the debt and lying to the credit bureaus Bout the debt being mines. I asked for proof, also 2 different companies has contacted me about the same debt. They change the date, payments and close and open it for how many times they want. They are hurting my credit score and I'm in need of help and also a victim of identity theft.
01/28/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33825	Web
This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The FAIR COLLECTIONS & O XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. FAIR COLLECTIONS & O XXXX
07/14/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 93021	Web
I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX
10/29/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 77090	Web
I called FCO and spoke with a XXXX XXXX I asked for something so I can see if this is our debt or not the CSR kept trying to verify over the phone and make me state that it was my debt. I told him that I do not know what this I want something sent but he was n't trying to me anything until I verified if it was mine, hence me needing documents he said they have had it since XXXX/XXXX/2014 I have not received anything to verify or dispute this and we would like this removed from our credit if indeed this is not ours.
01/01/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90740	Web
Ran my credit for the first time via XXXX XXXX.. Noticed charges I am not in anyway familiar with per credit agencies listed below. I would like to have these items of concern rectified and cleared from credit profile. Please see the following. ( 1 ) - FAIR COLLECTIONS AND OUT states that I owe {$2100.00}. I know nothing of these charges and would like for this to be rectified and cleared from my credit score account. ( 2 ) - XXXX XXXX : {$560.00} Anything you can do will be greatly appreciated. Mr. XXXX XXXX.
10/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 78229	Web
XXXX XXXX, XXXX I requested validation from FCO regarding collection account reported on my credit report dated XXXX/XXXX/XXXX. They provided proof on XXXX/XXXX/XXXX ; however the " Statement of Security Deposit Accounts '' document dated XXXX/XXXX/XXXX does not provide dates of amounts in " Balances Due '' section. There is a " New Charges '' section reflecting {$1300.00}, with no itemization of these charges. Additionally, there is a {$750.00} " Damages '' charge ; however a Damage Assessment was not provided.
10/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MD 21703	Web
The collection agency are attempting to falsely collect a debt I do not owe by damaging my credit report. I requested for debt validation including all receipts and copies of any bills I am being charged but to no avail. I am also being charged for staying over my least from XXXX/XXXX/2015 to XXXX/XXXX/2015 but I have proof that my new lease at my current residence was signed on XXXX/XXXX/2015 which proves I moved week before my lease ended. This inaccurate credit reporting has caused serious damages to lifestyle.
06/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77433	Web
This company has reported false information on my credit report and is risking my credit worthiness. This debt i have no knowledge of and the company has tarnished my credit worthiness. I demand these fraudulent accounts to be removed or further action will be taken.This company is penalizing individuals as myself that have nothing to do with there negative tactics of accusing consumers of debt THAT I DO NOT OWN .Other complaints have been filed and i will continue to press forward reporting this awful company!
03/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	FL 33137	Web
I requested validation and verification of an item being reported by a collection agency. They have failed to provide the requested items in my dispute letter to validate this debt. The first letter was sent certified mail and they received it on XX/XX/22. They replied with a generate response of " they verified '' the debt is mine so another letter was sent, certified, to them on XX/XX/22 and they received it on XX/XX/22. Per Federal Trade Commission 's guidelines, no proper debt validation has been provided.
12/31/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 27616	Web
Fair Collections and Outsourcing is reporting that I have an outstanding debt owed to an apartment community for {$7500.00}. I acknowledge that I do have a liability with the apartment community, but I strongly disagree that it is {$7500.00}. I have requested a detailed itemization of the charges from the collection agent on multiple times, but they will not provide this information. I feel as though they are withholding this information, because they can not justify the collection amount they are reporting.
12/10/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 21742	Web
FCO is one of the worst debt collectors. Not only did they not let me dispute my charge. They did this during a pandemic. The gentlemen collecting the debt threaten me and my partner back in XX/XX/2020 on the phone about our crediting being ruined. Also he was rude and demoralizing me. I explained that its a national pandemic and I had job lose and here in Maryland there were emergency plans for moms like me who had to stay home with school aged child! This company broke all laws and codes of ethics.
09/29/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 78249	Web
XXXX Apartments are on my credit and transfered the account to FCO as a collection which in turn sent the file to an attorney ( which resulted to them having to dismiss the case as this is not a debt that I owe ) I called and faxed both the attorney 's office as well as FCO and they both keep referring me back to each other. I really need them to removed this from my credit as it is hurting my score and is resulting to me not qualifying for important purchases as well as increased interest rates.
10/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30075	Web
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
01/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33025	Web
A fraud account with amounts of {$4400.00} was opened on XXXX XXXX under my name by FAIR COLLECTION AND OUT but actually that was a mistake by the original creditor XXXX XXXX XXXX XXXX. My credit score was decreased from XXXX to XXXX which is a big affect on my credit record. My attorney already contacted the original creditor ( sent them an official letter of requesting them to correct this ) to ask them to correct the mistake that they made on XXXX XXXX but the creditor didn't respond yet.
09/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me instead of my attorney	NY 11201	Web
NUMEROUS illegal actions taken by " Fair Collections and Outsourcing '' including violation of FDCRA 605 ( c ) by attempting to " re age '' a XX/XX/XXXX debt by resubmitting today XX/XX/XXXX the same debt Violation of FDCPA 809 ( b ) by failing to validate the debt when requested by my attorney and then continuing to attempt to collect and reporting to Experian Violation of FDCPA 805 ( b ) by contacting my elderly parents and telling them " something bad '' would happen to me if I did n't pay
10/26/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NV 89113	Web
This debt company responded stating that they sent correspondence on X/X/17. I had already relocated to another address and therefore did not know nor receive a notice from them ... {$6000.00}. I informed them that I had moved but they are refusing accept the proof I am providing showing I was living at an another address. Please investigate this company as they are making a false statement re : being notified. I will be providing the rental agreement again showing date of execution of move.
09/04/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	KY 42223	Web	Servicemember
Fair Collection and Outsourcing, Inc did not investigate and verify with the original creditor the amount that was owed. They send me a bill instead and forced me to pay it. This alleged debt was from an apartment complex. Up to this day, this company refuses to verify the correct amount owed to the original creditor. I since then made contact with the original creditor and they can locate any balance owed. This company needs to be investigated about its practices. They are violating FCRA.
11/03/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77433	Web
I suspect that my identity may possibly have been stolen and that a possible crime has been committed by your corporation. Please see attached documents and Identity Theft Report. I have requested validation and no documentation has been provided. My right to privacy has been invaded because of this unauthorized use and permissible purpose has been violated due to sharing of these alleged accounts.I have attached FTC Report, Affidavit of Truth to FCO and Attorney General of Texas complaint.
05/22/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30152	Web
I moved out of XXXX XXXX XXXX a month before my lease was up in 2019. I even went to court and advised the judge I would move out the time I promised. XXXX retained Fairs Collections & Outsourcing to collect my due balance for breaking my contract. Balanced owed by the courts is {$1800.00}. Fairs Collections is reporting an outrageous debt amount of {$6000.00}. For years, Ive told them I would pay the amount I owe not the made up number thats on my report. They refused to take the payment.
02/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AZ 852XX	Web
I have a collection company on my credit report that has no history with me whatsoever. This company is working for another company that also has no history with me whatsoever. I believe the first company sold my information to the second company and now the second company submitted false information to XXXX. I plan on suing any and all companies since I have experienced increased interest rates due to the fact that my credit score went from XXXX to XXXX because of this false reporting.
07/03/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	IN 46205	Web	Servicemember
I have disputed the items several times it has not been taken cared of I have two credit cards that are secured cards I never applied for I have fraud alert on my report to call me have never been contacted bye none of the credit card company asking if I am applying for service someone had a lease in my name in another city I never lived in it's been affecting my credit scores for years now reporting deliquent when I am not please help me it's about XXXX or over in charges that are fraud
12/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89135	Web
In accordance with the fair credit Reporting act XXXX Account XXXX XXXX XXXX, FAIR COLLECTIONS, XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written consent. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
05/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33169	Web
After reviewing my credit report per transunion, XXXX and XXXX. A degoratory mark was placed on my credit reports on XXXX XXXX 2016. After looking at what might this concerns, it appears that this account was transferred/sold and I am no longer responsible for this account. Also the debitor/creditor did not notify me of this collection account, nor was there an attempt to verify the collection. I have no form of communication of this account or a record of my signature of this account.
02/13/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	FL 32811	Web
I requested that a comment entered on my credit report at each of the XXXX credit bureau that I disputed the debt. The entry was made at XXXX and XXXX, but not XXXX. I applied to rent and apartment at XXXX different locations in XXXX, FL and my applications were denied for rental. I found out that the apartments pulled my credit report from XXXX. I believed that I was denied the opportunity to rent because of the dispute not recorded. I also lost {$120.00} fee for the background check.
02/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30331	Web
The debt in question is older than 7 years and should be removed from my credit report. The company is misrepresenting the amount of time it has been since the first late payment was made. The first late payment to the client was made in XX/XX/2016 the debt collection company is attempting to state the first late payment was XXXX of 2016. This is not true I was evicted by XXXX of 2016. An item should be removed from a credit report 7 years after the first late payment is made.
08/03/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07052	Web
On Wednesday XX/XX/XXXX I was contacted by Fair Collections Outsoucing or FCO. They immediately asked me for my address and SSN without identifying their name and their business. I did not verify any information as I do not have any outstanding debt owed if I did, I have not been sent any letters or communication by any business that have tried to collect any debt. I told them I am not providing my SSN or address as they did not provide valid reason or what debt they were providing.
07/02/2017	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32216	Web	Servicemember
Fair collections and out is re-aging an old debt for the amount of XXXX. It is hurting my credit worthiness. It is stating that the account was opened on X/XX/12 and that is untrue, nor does this company have an active license to collect any debts in the state of Washington. This is an illegal practice and I would appreciate if it was deleted from all major credit bureaus immediately. I have called this company on XX/XX/XXXX and XX/XX/XXXX and they would not listen or try to resolve
08/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75150	Web
An account has been reported on my credit, it is a lease for an apartment. This account is NOT mine and I have reported this to the policy department and filed my FTC identity theft reportXXXX XXXX XXXX XXXX XXXX gave a lease to someone under my information, I am attaching my ID in which you can see I did not even get my permit to work and arrived to the XXXX until XX/XX/2022 how could I have signed a lease in XX/XX/2022 and have proof of income? Please remove this from my account
08/02/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO 80110	Web
I had a lease that i had to break because i was diagnosed with XXXX and had to move for treatment. I sent them a letter but because the letter wasn't certified then they said i couldn't break the lease. They did rent it out after i moved out though and then charged me XXXX to a collection company.. They have refused to send me a letter detailing why it was so high. I've tried to negotiate and resolve the matter to no avail and it is now keeping me from buying a house. Please help.
09/07/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	NJ 07111	Web
I explained that I couldnt pay my rent to the original debtor during Covid and they did not care and I also advised them that I applied for rental assistance at the time when XXXX was in effect and they refuse to cooperate with New Jersey laws and sent this account to collection in attempt to ruin my life and credit profile and potential to rent other properties..I was wait listed for rental assistance and they threaten to evict me after I couldnt pay and I have attached evidence
08/16/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 19320	Web
I have been disputing this debt for over 7 months. I have repeatedly asked this company to provide proof of this alleged debt as well as the contract where they are allowed to add additional fees being that they are a collector and that is illegal under the FDCPA. I do not agree with this account and they have Never responded to any of my disputes and have not provided verification even though they have been responding to the credit bureaus that the information is 100 % accurate.
03/20/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD 21236	Web
The company Fair collection & outsourcing has been trying to collect on a debt for an apartment that I paid to the apartment complex, I have sent several letter to Fair collection & outsourcing asking them to send me documentation showing that I owe the debt and if they are licensed to collect in my state. I looked them up on the website in they are not licensed to collect. They have failed to comply with what I was asking. They did not update my credit report showing in dispute.
06/24/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	IL 60477	Web
On XX/XX/22 agency placed a COLLECTION on credit report without any acknowledgement or communication to me. THE COMPANY NEVER COMMUNICATED TO ME BY PHONE, EMAIL OR MAIL. Company states on credit report that ( I dispute debt ), I HAVE NEVER HAD COMMUNICATIONS, how can I dispute it? BE AWARE that this agency uses unlawful and unethical collection methods. Company is called FCO ( Fair Collections Outsourcing ) COLLECTIONS out of XXXX, MD their practices are everything but FAIR.
03/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MN 55104	Web
I was told that if I paid my debt that they would removed the debt from my credit report, and that I would no longer report on my credit report. XXXX XXXX signed an agreement ( See attached ) stating they would, then failed to remove the debt from my credit report. When I called FCO they we're unable to talk to me about he debt and told me that I would need to reach out to renter warehouse and that FCO does not remove debts from consumers credit reports under any circumstance.
02/26/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 11225	Web
I was contacted by FAIR COLLECTIONS & OUT, they stated that I owed {$330.00} to XXXX XXXX XXXX after I moved out 2 years ago. I called the apartment, they said they do not have anything on debt on file. My attorney requested a court order that was never received. I tried to call them, they said they never received the letter from my attorney, but somehow they have attorney 's name on file. Address of FAIR COLLECTIONS & OUT XXXX XXXX XXXX XXXX XXXX, MDXXXX P : ( XXXX ) XXXX
03/27/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20708	Web
This account was deleted by XXXX as and unverified account on XX/XX/2018 after contacting your company. I disputed this account with XXXX and XXXX three times as this account still remains! Both companys are saying that your company keeps saying its verified. How is this possible? XXXX mailed me a copy of my report showing this account was deleted as unverified do to your companys investigation. How is it being verified with the other two Bureaus is absolutely absurd to me!
08/28/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 335XX	Web
According to 15 USC 1692 its a violation for XXXX agency to not have notified me in writing within 5 days. Only I can validate this debt and I DO NOT validate this debt. Per violation is {$1000.00} The agency stating a past due DATE is a violation 15 USC 1692d ( 2 ) The agency stating the amount due is a violation of 15 USC 1605a They also did not respond back to ANY OF MY LETTERS STATING THE SAME The agency is also in violation of 15 usc 1681 for INACCURATE CREDIT REPORTING
09/04/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21220	Web
When I left XXXX XXXX apartments the property manager told me that they had already rented my apartment and said I don't owe any lease termination fees or any additional months of rent. She told me I owed nothing. I never received any bills from XXXX XXXX or anything else and suddenly this appears on my credit report from Fair Collections and Outsourcing and has made a huge negative mark on my credit. I do not owe XXXX XXXX anything and this debt is invalid and not mine.
11/14/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 11219	Web
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}
11/14/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 11219	Web
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}
07/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92782	Web
I was renting from XXXX XXXX a two bedroom apartment for 3 years. I paid my rent always on time and lots of times ahead of time. I moved out by XX/XX/2020 and that was the end of lease. After 2 years and few months they reported me to collection agency that I owe them little over XXXX XXXX dollars. I do have bank statements showing that I paid till the last day. With no proof they claim that I moved on XX/XX/2020. Now I have the collection agency asking me for that amount.
02/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95662	Web
I have contacted the creditor numerous times to remove erroneous account for the rental home that was not mine, I proved i was not notified of this debt or attempt to collect the debt properly in order to prove my innocence. I willingly provided documentation of OTHER legal rental, at time of said rental property that was falsely under my name. Informed creditor remaining monies owed is not to be distributed to my social. Fraud incident # XXXX XXXX XXXX police department
09/20/2022	No	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL XXXXX	Web
I moved out of the apartment unit due to damages and flooding throughout the entire building caused by Hurricane Irma. The association allowed tenants to move out without any penalty however, they want to charge me for moving out of my unit. I am not liable for the damages caused by the storm and should not be penalized for breaking my lease agreement just like all the other tenants due to unlivable conditions. These charges are not fair and are damaging my credit report.
02/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 328XX	Web
I recently pulled my credit in attempt to purchase a home and found a collection on XXXX from Fair Collections & Out for {$9200.00}. This debt is not mine and I have repeated disputed and requested documentation that this account belongs to me. Each time the dispute is closed as fair under the FCRA. I have even submitted letters asking for documentation that this account belongs to me, I have not received a response and I um unable to have this deleted from my account.
12/14/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 301XX	Web
Had to call around to find out what it was that pop up on my credit and they said its money owed to them by me. I do not owe this company or their creditor any money. fraud charges were made on my account. I have directly requested from this company physical proof that i owe the amount displayed on my credit file from this negative account. This company could not provide any documents to prove this account or a contract with my signature binding me, them or the creditor.
07/29/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75044	Web
Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX, XXXX, and XXXX credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature.
12/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL XXXXX	Web
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.
07/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 76002	Web
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
01/23/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC 278XX	Web	Servicemember
To whom this may concern i have a debt on my credit profile that is being collected and listed for the wrong amount for years, i have made many attempts to fix this with the actual company! Also i gave written notice that i was being abused and my kids were afraid for their lives, My social worker gave them written notice of this. Trying to collect this debt and also collections it for the wrong amount is going against THE VIOLENCE AGAINST WOMEN ACT ( XXXX )
10/08/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92604	Web
This is an illegal attempt to collect on an alleged debt that is actually owed to me and I have filed a lawsuit against the original creditor ( s ) for Housing Discrimination, Breach of Contract, Fraud, and other causes of action. Please see attached Complaint Letter against Fair Collections & Outsourcing, a debt collection agency, and the corroborating Exhibits, who is illegally attempting to collect on a debt that is actually owed to me by Original Creditor.
05/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MA 02169	Web
I have paid direct with Collector company the amount they ask me to be shuttle with them of XXXX.dollards paid with my creditcard from XXXX direct with them.Then they told me they sent a letter of to be removed from my records. They never did that and still there is the amount of XXXX dollars on my XXXX credit reports.Why?? Please contact with them to be removed of my records ASAP. Thank you very much for this results of this matter. My Email is XXXXXXXXXXXX.
04/04/2023	No	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NE 68137	Web
Hi I lived at XXXX XXXX I got evicted .at first I didn't know about the Fair collection and outsourcing they did not send me a letter. it was on my credit report. I filed a complaint with you the F.C.P.B after you guys investigated it I received a letter from Fair collection and outsourcing.when I went to court I got the paperwork of from the court. satisfaction of judgment paperwork I would like to get this taken care of and off my 3 credit reports immediately
05/17/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	SC 29485	Web
Noticed this account added to my consumer report, tried to contact the debt collector by mail requesting validation and didn't received any response, reached out to the credit bureaus ( started a dispute with XXXX ) 3 days later came back verified yet not method of verification hasn't been provided by any party. Today noticed the same account, amount and collection agency listed twice under the same XXXX report ( XXXX XXXX ) which is a violation under the FCRA.
10/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	WA 98503	Web	Servicemember
On XX/XX/2018, I, XXXX XXXX called Fair Collections and Outsourcing ( FCO ) in an attempt to have a paid collection removed from the XXXX credit report. Operated stated that Fair Collections does not remove such information, I asked to speak with a supervisor. In speaking with the supervisor, the same statement was repeated, that Fair collections and Outsourcing does not or can not remove or update information. I informed FCO that I would be filing a complaint.
08/30/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 17109	Web	Servicemember
On XXXX XXXX, XXXX, I requested in writing that Fair Collections & Outsourcing validate their claim for {$610.00} for carpet damage. They would never provide a ledger to prove age of carpet in order to calculate prorated cost as stipulated by state law. Also no proof of damage was given. On XXXX XXXX, XXXX, Fair Collections & Outsourcing offered a settlement of {$300.00} but provided no proof of debt. The collection is listed on my credit reports for {$610.00}.
10/02/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29607	Web
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.
08/17/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94565	Web
This is my last effort to resolve this matter before I pursue to taking legal action. This company had reported an account on my credit report that I believed to be inaccurate and in violation of the FCRA. Hence, I wrote to this company not only disputing this account but asking them to prove the validity of it and asked that the item is removed if they couldnt produce the requisite information. No signed contract was produced to show this item belonged to me.
11/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33409	Web
In accordance with the fail credit # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may nBt treat a payment on a credit card@. . account under an open end XXXX consumer credit plan as late for XXXX .copy it and pyt itin that XXXX XXXX XXXX XXXX XXXX
06/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33133	Web
sent a letter a few months back to Fair and out sourcing acct # XXXX {$2800.00}. Sighs! where do i begin first and foremost i have no knowledge of this account. My identity was compromised and i've spent the last few months trying to put the pieces to the puzzle of my credit TOGETHER. so, i sent a letter a few months ago along with my identity theft i informed them this wasnt my account. Im asking for validation of debt and an immediate removal of account
06/24/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 604XX	Web
Debt collector is attempting to collect a debt on behalf of XXXX XXXX which is not valid. Original Creditor states rent is owed for XXXX of 2020. I purchased a home and moved OUT of the rental property XX/XX/2020. I previously gave notice to rental company that I was leaving. My lease expired in XX/XX/2020 and they allowed me to excercise a 2 month, Month to Month lease which I used for XXXX and XXXX. I have asked for debt validation SEVERAL times.
04/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91320	Web
I received a letter from Fair collection & Outsourcing for {$690.00} for a XXXX XXXX XXXX and responded that it isnt mine and that my name is XXXX XXXX XXXX, I also called to tell them to remove it from my credit report since it isnt mine and it hasnt been done, the person who answered the phone wanted me to giver her personal information which I wasnt willing to give since they added the debt without me giving them any of that information to begin with.
02/22/2023	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33062	Web
XXXX XXXX XXXX I paid what I owed to XXXX XXXX XXXX. I paid online and the debt issued on my account is what was paid with my credit card which I have provided my bank statement of what I was charged to pay for the 7 days after the first of the month. There was no mail or call or via-email received. They have my forwarding address. This is unclear as to what else I owe. Please help me clarify why am I receiving this notice. Thank you kindly, XXXX
11/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32837	Web
Im a victim of ID theft I have filed a ID theft report on identitytheft.gov, and the collection agencies listed keep reporting the the items as valid. K have sent them a copy of the ID theft report from identitytheft.gov. All 3 of the credit bureaus have deleted these items more than once but the collections agencies listed keep reporting it. It need to stop being reported to the credit agencies or my next steps is to sue the collections agencies listed.
09/03/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30013	Web
Debt reported on my credit report XXXX XXXX,2016 for {$2800.00}. I request all records pertaining to actual debt to prove debt belongs to me, including my signature on original account application. Date of first delinquency with original creditor that led to collection. Date they purchased the debt and right to collect. I request debt account removed from my credit report. I have yet to receive any of the above documents and account remains on my credit.
02/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21117	Web
15 I S C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
03/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 31406	Web	Servicemember
I received email communication in XXXX of 2021 that XXXX, the financial rent assistance program through XXXX XXXX would pay my apartment complex XXXX XXXX ( XXXX XXXX XXXX ) {$5300.00} in rent assistance. XXXX XXXX still maintains that the funds were never issued to them, and its almost two years since this incident occurred. I was issued an eviction notice at the time and this debt has since been put my on my credit and has adversely affected by this.
08/23/2022	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	DE 197XX	Web
I was contacted by a representative from fair collections and outsourcing. I asked them to cease and desist all phone communication and they called me again. The also disclosed I had a debt to my mother in law In a attempt to find me. When I asked the name of the company the representative just called the company XXXX and not its full name. The representatives name was XXXX XXXX and she also was not willing to cease and desist call the moment I asked.
02/25/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77079	Web
Our home was destroyed due to Hurricane Harvey. we moved into these apartments as an emergency shelter. I have XXXX, and my husband has XXXX. we were unable to go up and down the stairs due to our XXXX XXXX. we were told we can give a 30-day notice and lease because it was during a natural disaster. however, they sent our bill to collections for {$3500.00}. we can not pay this. we are on a fixed income and this occurred during a state of emergency.
11/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30318	Web
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.
06/02/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33905	Web	Servicemember
FAIR COLLECTIONS & OUTSOURCING CONTACTED MY WORK PLACE THAT MY CREDIT WOULD BE RUINED. XXXX IS THE FIRTS TIME I EVER HEARD OF THIS COMPANY. THE NEVER SENT ME A LETTER NOTIFYING THAT THEY WOULD BE REPORTING ON MY PERSONAL REPORT. THIS IS A VIOLATION OF MY RIGHTS. HOW CAN THEY USE MY SOCIAL SECURITY NUMBER CONTACT MY JOB ABOUT SOMETHING I KNOW NOTHING ABOUT. I AM SUFFERING FROM XXXX IN THE MILITARY AND THIS HAS STOPPED MY GRADLOAN TO COMPLETE SCHOOL.
11/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 01701	Web
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.
08/24/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CA 92545	Web
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.
08/05/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30135	Web
XXXX XXXX XXXX XXXX has placed a collections account on my credit stating I owe them {$37000.00}. I called the company multiple times stating I am a victim of identity fraud and this account does not belong to me. Instead of asking me for my police report or the officers information, they want me to settle the account for half the amount. XXXX XXXX XXXX XXXX is a horrible company and harasses me constantly for a debt that doesn't belong to me.
03/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	GA 30349	Web	Servicemember
The amount of the debt was extremely escalated. When I asked them to show me proof of the additional amount, they were not able to. I attempted to pay what my lease states that I owe and they completely ignored me. The debt in question is a result of normal wear and tear from living in an apartment. Also, there was prior damage when I signed my lease. I sent certified letters to all parties trying to resolve this issue. All parties ignored me.
01/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77021	Web	Servicemember
This account was illegally reported to my account. My lawyer reached out to this establishment to begin deliberations after they refused to fix the issue, and they reported during disputes. I also reported this account in 2019 for the amount of {$960.00} and it has not been removed nor accurately notated on my report as such. I have email communication with them explaining that their charges were inaccurate and also not communicated properly.
10/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 21136	Web
I consumer XXXX XXXX have tried to resolve this matter with Fair Collections and Out and they have constantly violated my rights as a consumer according to 15 USC 1692 c ( 1 ). They are defaming my character and ruining my reputation. My rights are to be protected. This account needs to be removed from my credit profile. I have attached my license. I am due remedy based on this company violating my rights as a consumer. I have sent my invoice.
08/25/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91354	Web	Servicemember
This company has no real basis for putting us in collections for the amount they say we owe. I was in contact with the CEO 's office which got me no where, they are extremely rude. The general manager for the complex in which we lived had a lot of complaints against him for kicking people out because he was upset they complained about him..which is exactly what he did to us! They also put this account in collections ONE MONTH AFTER WE LEFT!!!
01/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92201	Web	Servicemember
Received a call from a person stated his name was XXXX, ( XXXX ) XXXX, at about XXXX XXXX, on XXXX XXXX, 2016, with Fair Collection and out source. I asked why he was calling me at this late hour. This is when he stated he was attempting to collect a debt i owed. I advised him that under California Laws he should not be calling me at this hour. He was rude toward me. I hung up the phone. It should be noted after I hun up he called bace again.
09/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27612	Web
I AM A NATURAL PERSON AND I AM A VICTIM OF IDENTITY THEFT, FAIR COLLECTION & OUTSOURCING HAS OBTAINED MY INFORMATION ILLEGALLY AND HAS BEEN COMMITTING FRAUD USING MY PERSONAL NON PUBLIC INFORMATION. I AM AWARE AND HAVE PROOF THAT THIS COMPANY ILLEGALLY OBTAINED MY INFORMATION FROM XXXX XXXX XXXX HAVE SENT THIS COMPANY SEVERAL CORRESPONDENCEDEMANDING THAT THEY EITHER VALIDATE THIS ALLEGED DEBT OR CEASE & DESIST WITH ALL COLLECTION ACTIVITIES.
02/26/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC XXXXX	Web
Fair collections and Outsourcing is trying to collect on a debt not owed to them. On mine and my wife 's credit report is an account from them stating we owe {$600.00}. A letter was written to them asking to provide validity of proof of what is owed with our signatures and we never got a response, just letters offering a settlement for half the amount and an update to satified in full on our credit reports. The account we do not acknowledge.
08/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30084	Web
This company called Fair Collections and Out have called me countless time and are making my credit score go so low over a debt I know nothing about. I have talked to them and ask them to stop the call and they keep sending letters to my old address. It is so embarrassing and now I can't even buy a house or fix myself because they have dealt with me and my credit score is back to XXXX. Please they need to take this off my credit .... Thanks
06/21/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33435	Web
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have tried to reach out and take care of this matter and yet it still remains on my credit report. This company ( XXXX XXXX ) whom, I have never done business with does not have a written contract for me. And I need this removed as soon as possible.
06/01/2016	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	PA 19124	Web
Fair Collections & Outsourcing is currently reporting a collection account on my credit report from XXXX. I have no knowledge of this account and i have never rented an apartment from XXXX Apartments. The address has never been a residence of mine and i have no knowledge of this account with them. I was never given a XXXX to dispute the alleged account as well. This account does not belong to me and should not be reporting on my credit file
09/27/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	IL 60605	Web
XXXX, called me multiple times on XX/XX/XXXX. Within a matter of a few minutes. They have threatened to put it on my credit report which I understand is perfectly legal but it's for a debt that is not accurate. When I attempted to dispute that with them, they sent an invoice that is outdated and does not reflect the debt I owe. This is something they've done in the past and they literally just settled with the federal government a year ago
07/12/2019	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	FL 33905	Web
XXXX XXXX from FCO debt collectors called me on a shared work phone in the middle of an office full of people and when I told him it was a work phone, refused to stop interrogating me. He told me that I had to call him on my lunch break in order to not endanger my employment. This felt like a threat. I also felt highly embarrassed as everyone in my office could hear the entire conversation. Further I have evidence the debt is not valid.
03/27/2019	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 21075	Web	Servicemember
My attorney contacted Fair Collections & Outsourcing ( FCO ) in regards to a debt with their client, XXXX XXXX, regarding the amount of the debt being unsubstantiated. FCO has failed to provide complete billing to demonstrate where all charges are from. I have disputed, multiple time with each credit bureau, this fact and each time FCO responds to the dispute that the debt is collectable and valid, but does not validate the balance owed.
10/25/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	MD 21244	Web
I received a letter from FAIR COLLECTIONS & OUTSOURCING XXXX of 2021 in response to a debt validation letter I initiated. Upon my research FAIR COLLECTIONS & OUTSOURCING is in violation of sending a copy of the consumer credit contract which is not sufficient to validate the alleged debt per evidenced by XXXX XXXX XXXX XXXX XXXX v. XXXX. As a result, this violation has furnished false and misleading representation per 15 U.S. Code 1692e.
11/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 79938	Web
I have been fighting with this company fair credit and outsourcing since 2019. I have sent police report, and XXXX to XXXX numerous times and this debt is still reporting to my report. I have all receipts that are certified and I am sick of them still reporting to the brueau. I also sent to XXXX the court documents from the courts stating the case was dismissed due to lack of evidence. They need to remove this XXXX from my credit report
04/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33130	Web
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company or the company you represent. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that FAIR COLLECTIONS & OUT absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
09/08/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 774XX	Web
FCO contacted me in reference to a debt I do n't owe. I explained I am a victim of identity theft and supplied proof of the individuals sentenced to prison. Explained I do n't recognize the company and never had an account with such company. They stated they do n't have a time limit on how long it will take before they finish the investigation on their end to remove items from my credit report. I need this item removed from my reports.
05/16/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MA 021XX	Web
I disputed an inaccurate amoun t ( {$2000.00} ) being reported by Fair Collection and Outsourcing. I t came back as verified however, I nor the credit reporting bureau did not receive any type of documentation proving said account/amount is valid. I was told by XXXX at XXXX that all the company has to do is say the account is accurate and it gets reported. That 's just like saying XXXX owes me {$500.00} just because I said so.
04/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 36116	Web
In correspondence with FCRA, XXXX and XXXX have violated my rights w/Account # XXXX alleged company : XXXX 15 usc section 1681 ( 602 ) ( a ) states i have a right to privacy 15 usc 1681 section ( 604 ) ( a ) ( 2 ) consumer agency can not furnish an acct without my written instructions 15 usc 1692f ( 1 ) unfair practices ; thus XXXX has violated my rights as well I have asked several times to remove inaccurate account, please remove
09/27/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 346XX	Web
When moving out of my apartment, I received the attached move out form showing nothing was owed. The collection in discussion was filed mistakenly for breaking my lease early which I did not. Also attached is a handwritten letter from the property manager stating this was their mistake as well. I have been waiting for weeks now trying to get a more formal letter so that this can be corrected but they are no longer taking my calls.
11/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 334XX	Web
Please consider this as my formal complaint to the Fair Collections & Outsourcing for allowing the fraudulent account and for not taking corrections on my credit report. I have filed FTC report with the identity theft report number XXXX.They allowed the fraudulent account to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent account is still reflected on my credit report.
08/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or missing disclosures	MD 20748	Web
I used to live in XXXX XXXX in XXXX md. After I moved out. the lessing office called me that they was a carpet damaged That I should pay the sume of {$260.00}. I Asked lessing company to give me one month to make the payment. And we agreed on that. Before that mouth pay the {$260.00}. But the lessing company still send my information to credit report. Right now I need help I want them to remove the {$260.00} from my credit report
02/16/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA XXXXX	Web
I have repeatedly requested that Fair Collections & Outsourcing provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
12/30/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	DE 197XX	Web
I received a notice from Fair Collections & Outsourcing on XX/XX/2021. They are trying to collect a debt for the XXXX XXXX XXXX. In XXXX, I contacted XXXX about the notice. XXXX told me to ignore it, since the debt is not shown on my report. It is not shown on XXXX XXXX XXXX. I received another notice dated XX/XX/2021, exactly the same as the original. I have never contacted, leased or purchased anything from the XXXX XXXX XXXX.
10/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46254	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
09/07/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 10469	Web
Hey so I received a letter from collections XX/XX/XXXX stating that I own XXXX for a company called XXXX XXXX XXXX. I have no idea what is this, I called the number that was provided in the collections letter and it said it was for rent and a termination fee for XX/XX/2021. I have no idea what this is since I have never been in that location and I have never lived in XXXX XXXX and have never signed any papers for any apartment.
10/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	FL 33054	Web
Fair collection and outsourcing is stating that I owe a XXXX. The five-year statute of limitations for consumer debt in Florida has past and this debt can no longer be collected on after 5 years. Please delete this debt from my credit profile. This can only be collected on within five years for debts with a written contract. Fair collections and outsourcing has had this debt since 2017, and no longer can collect on it by law.
05/06/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33441	Web
on XXXX i sent an Estoppel by silence letter to Fair Collection Outsourcing ( FCO ). to this day they failed to removed the alleged debt. I am seeking monetary damages for violations. Under 15 U.S code 1681b permissible purposes of consumer reports, I never gave FCO any written consent to report anything on my consumer report. No consent is identity theft. As a consumer by law this account must be deleted immediately. thanks!
07/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90015	Web
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
06/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	MD 208XX	Web
My balance has been paid and closed at FCO. This has been removed from XXXX and XXXX although XXXX is not willing to remove account that has been closed and PAID. They simply want to be stubborn and refuse to have it removed. A representative from XXXX has expressed that someone from FCO stated " do not remove '' from XXXX. Why not? This account has been PAID and CLOSED. Why is XXXX the only credit bureau that does this?
04/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 19403	Web
Residences at XXXX sent me an eviction notice XX/XX/2022 with a vacate date of XX/XX/2022. In XX/XX/2022 I paid the company through EFT ( bank statement attached ), the pro rated portion of the rent owed through XX/XX/2022 accounting for the {$500.00} security deposit that was withheld post eviction, totaling {$1400.00}. Per the notice attached I owed, {$1400.00}. Bottom line, I don't owe anything other than {$36.00}
08/01/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60419	Web
As a federa lly protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). FURTHERMORE, the above consume r DEMANDS the following below : Account Name : FAIR COLLECTIONS AND OUT Account Number :
04/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 105XX	Web
I have previously tried to get Fair Collections & Outsourcing to make sure they updated my credit reports properly, but they have not done so, and have caused me to be declined on a new rental application as such. I am trying to remedy to situation, and need someone to help me make sure they are providing the correct information to XXXX, XXXX, and XXXX because its been negatively affecting my credit for over 4 years now.
08/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77545	Web
IN accordance with the fair credit reporting act XXXX account has violated my rights. 15 USC 1681 section 602 states I have the right to privacy 15 usc 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
06/01/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77386	Web
Fair collections and outsourcing are reporting on my credit report saying I owe them a debt. I never agreed or signed any contract with FCO. They sent me a contract via cfpb with a signature that is ntot mines and lied saying I never contacted or spoke with anyone verbally. I have no abiding contract with FCO and they refuse to stop reporting on my credit report. They are in violation with the Fair Credit Reporting Act.
07/24/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NE 681XX	Web
Today XX/XX/2021 A collections account from Fair Collections and Outsourcing Inc was added to my XXXX credit report. This account is not mine and the fact that they just added an account to my credit report in itself is very alarming. I have no Knowledge of this account, I never received any letters or ledgers detailing that there is a debt owed from Fair collections and Outsourcing or the original creditor XXXX XXXX.
10/04/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AR 72206	Web
I have had problems of utility bills, inquiries on my credit report, data breaches, and unknown account placed on my report. I recently pull my report to find to unknown accounts in my name. I was denied a car loan and funding for a mortgage loan. I have called, and they said this debt belongs to me. I don't have a written contract or written permission from me to run my credit or a legal signed valid contract with me.
12/09/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NE 68137	Web
I have a collection from Fair collections and outsourcing for {$4500.00} opened XX/XX/2015. I have never received a notice of this debt in letter form, I have not been contacted by the collection agency. I have attempted to dispute this debt through XXXX XXXX and XXXX, within 24 hours of starting the dispute it is returned as valid. This is preventing me from being approved for a home loan and is extremely irritating.
03/25/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	IL 60411	Web
The company Fair Collections and Out has added a derogatory mark to my credit profile in the amount of {$270.00}. The debt has been reported as past due. I do not know this company. I have never done business with Fair Collections and Out. I do not have a signed contract, nor any contract, with Fair Collections and Out. I have the right to demand to see a signed contract between Fair Collections and Out and myself.
10/09/2020	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	CA 92602	Web
Spoke to representative- explained debt was not mine - offered to resolve the debt- representative would not listen, made multiple attempts to call- representative stated that would not remove resolve debt and would file law suit. Credit collection agency is not the original creditor- and un able to provide any proof of debt- signed contract. Debt is reported multiple times on my credit report by the same creditor.
04/11/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 329XX	Web
I received a letter from Fair Collections & Outsourcing Inc. requesting to pay for an apartment in a state I have never lived in. When I called to tell them this was not me, they told me they would send a fraud packet to confirm it was not me. When I received the packet, it was requesting information like my SSN, phone number, drivers license number, and other personal information. I did not send anything to them.
10/25/2019	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	NV XXXXX	Web
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.
10/08/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	PA 19007	Web
I do not owe any one money. I paid all my doctors bill and every other bill I have so I don't understand why they keep calling me. Then they want my personal information and they will not tell me who I owe money to. I have not received any late or collection bill either so I don't know what they say I owe. I asked they to mail me a letter again they want my personal information with I will not give. Please help.
08/17/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75074	Web
The debt is {$10000.00}. I requested more information by fax that include my email address on the X/XX/2017. Also I attached was a copy of a casher 's check and emails verifying the amount was incorrect. I was told they will have to investigate and I will have to pay {$4000.00} but the will have to report the {$10000.00}. and stay on my credit for seven years. Up to now I have receive a breakdown of the charges.
01/10/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	FL 33054	Web	Servicemember
The fraudulent account in question was apparently established with the intent to deceive unsuspecting individuals seeking a rental property. Unfortunately, this deceitful act has not only caused financial loss to potential tenants but has also tarnished XXXX XXXX 's reputation. We suspect that the perpetrators took advantage of the current situation, exploiting the chaos and uncertainty caused by the pandemic.
05/04/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AR 722XX	Web
This company and its debt are unknown to me and it damaging my credit and livelihood. I do not have any financial relationships, debts or legalities with this company because I have never signed any binding contacts stating such. Its unfair that hat it it on my credit reports of the major credit bureaus and I simply want it removed with no negative remarks or statements due to the lack of permissible purposes.
02/03/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94596	Web
I have a collection account that i've been disputing with the credit bureaus and the debt collector for several months. XXXX and XXXX removed the account from my credit file awhile back but XXXX has refused to show me valid proof that this is my collection. The Collection agency has not provided me with anything also but they keep reporting this account on my credit file. It shows it was opened on XX/XX/2012
11/24/2015	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	TX 77498	Web
FAIR COLLECTIONS AND OUTSOURSING has placed erroneous and false information on my credit report. I do not know this company and have no knowledge of the company they are attempting to collect for. I have asked this company to remove this information, This company is preventing me from qualifiying for a mortgage. I have lost my earnest money and have been subjected to a higher interest rate with higher fees.
11/25/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OH 431XX	Web
I have contacted Fair Collections In & Out REPEATEDLY since it first appeared on my credit report. They dont respond to letters requesting validation of the debt. They refuse to provide original contracts to validate account and amount owed. I do not think this company is a legitimate collection agency. They need investigated i think they are fraudulently bullying consumers into paying debts they dont owe!
08/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA XXXXX	Web
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.
08/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AR 72032	Web
To Whom It May Concern, I recently checked my credit reports and noticed this account on my credit. After some investigation, I realize this account belongs to XXXX XXXX XXXX, XXXX XXXX. I wrote a letter and I didn't hear anything back from the company. I have asked for a copy of the signed lease agreement to prove the signatures are different. Please assist me in removing this from my credit. Thanks,
10/28/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 75241	Web
So I sent a letter on XX/XX/2021. Here is my tracking number XXXX to remove personal information that I don't want on my credit report. According to the Fair credit act report act 15 USC 1681.I have the right to privacy. Also According to the USC 6802. No financial institution is not suppose to share my information to the third party people. These are violation of my federally protected consumer rights.
04/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32305	Web
In the process of viewing my credit report due to bankruptcy and creditors changing information, Fair Collections and Outsourcing had not updated their information correctly. This account is listed in a active bankruptcy and needs to reflect as so or be removed permanently. At this point of time the account is showing as opened and consumer disputed this account and confirmed with accurate information.
06/28/2018	Yes	Debt collection Mortgage debt	Communication tactics Frequent or repeated calls	KS 662XX	Web
On XX/XX/XXXX of 2016, Fair Collections and Outsourcing called me personally three times ( At XXXX XXXX, XXXX XXXX, and XXXX XXXX, leaving messages all three times, please see attached phone bill to prove this ), my wife three times, my wife 's grandparents, my wife 's parents, and my parents on the same day. Besides the fact that this debt was erroneous to begin with, this harassment was unwarranted.
05/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	NV 89506	Web
Just recently a debt popped up on my credit report dating back from XXXXnot ONCE did this agency try to reach out to me, write any letters, or emails, nor provide any phone calls telling me anything about this debt. Upon looking at my credit report it plummeted because They are charging me a little over XXXX dollars. I was never even made aware about this? Is there some kind of law prohibiting this?
05/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 393XX	Web
My information was impacted negatively by the XXXX XXXX XXXX. It has caused much agony and pain. It has destroyed my credit, I need items removed immediately from my consumer report or i will move forward with litigation and reporting to XXXX States Attorney General, and file a federal lawsuit for the improper use of my credit report agony with the anxiety, stress and depression this has caused me.
10/14/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 342XX	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - I have no signed contracts with this firm with my valid signature that obligates me to this debt. This is invalid and should be deleted from my credit report under XXXX XXXX of the FCRA. This company has inserted this information on my credit report as an INTIMIDATION tactic to scare me to pay a debt that I didn't sign for or does NOT have my valid signature.
04/27/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33414	Web
I tried to contact this company Fair Collection & Outsource XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX a number of times by certified mail dated XX/XX/2021, XX/XX/2021, XX/XX/2021 in reference to a collection account on my XXXX, XXXX, & XXXX credit reports. Until this date I have not received any information verifying that this account belongs to me and is correct and method of verification used.
07/30/2019	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	FL 33905	Web
On XX/XX/2019 the company called my work phone after I had requested them not to in a previous phone call last month. I filed a complaint after that phone call for threatening language about my job. They lied about the transcript. And now they have called my work line again, knowing it is a work line and is not private. It is a shared phone line located on a coworkers desk in a roomful of people.
06/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX XXXXX	Web	Servicemember
XXXX is reporting inaccurate information and according to the FCRA everything that is that is reported on the credit report must be 100 percent accurate. Looking at my credit report and a response from the debt collector there is 2 different open dates.FAIR COLLECTIONS & OUT states that the account was sent to their office on XX/XX/2017 but it is reporting on XXXX that it was open on XX/XX/2017
08/27/2018	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NY 11104	Web
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.
07/27/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	LA 710XX	Web
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
08/04/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 219XX	Web
On XX/XX/XXXX, I sent Fair Collections and Outsourcing a debt validation request for an item on my credit report. On XX/XX/XXXX, they responded with a full copy of the original contract and an accurate record of the payments made up to XX/XX/XXXX ( payments made after that date were omitted ), however, there was no debt assignment letter indicating that they are authorized to collect the debt.
10/20/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 91730	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on FAIR COLLECTIONS & O. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
02/22/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 48340	Web
This company furnished my consumer credit report with false information regarding a debt that I do not owe. They failed to notify me of any actions or communications against me prior. Illegally attempting to collect debt. They have failed to verify any debts belonging to me and have failed to show evidence of any contract enter into by me. I never signed any contract with this company.
08/04/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 219XX	Web
On XX/XX/2020, I sent Fair Collections and Outsourcing a debt validation request for an item on my credit report. On XX/XX/XXXX, they responded with an altered copy of the original contract adding an additional {$1000.00} to the balance due, beyond the original {$170.00} that was already paid in full, and no documents whatsoever substantiating that they are authorized to collect the debt.
09/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 331XX	Web
This is the second time I am filing a dispute against Fair Collections and Outsourcing XXXX. They are reporting fraudulently on my credit. This account doesnt belong to me. I didnt open this account, nor did I pay it. Someone used my information without my knowledge nor authorization. Please see the below FTC report and my driver license. plese remove this account form my credit profile.
03/03/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 60153	Web
It has come to my attention, that Fair Collections and Outsourcing ( FCO ) stated on XX/XX/2021 that the above referenced account was assigned to their office. As a consumer, I have the right to ask that this debt collector show and provided to me proof that FCO has the legal right to collect. Fair Collections & Outsourcing is in violation of my rights as a federally protected consumer.
03/02/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	CT 063XX	Web
I 've been paying a debt since XX/XX/XXXX in which FCo financial has given me. The debt total was {$1900.00}. I have payed {$1400.00} towards this debt. I 'm filing a complaint of harassment because they have called me after hours to retrieve this debt. On Wednesday, XX/XX/XXXX, I received a call from FCO XXXX at XXXX Eastern Standard Time to collect the remaining balance of this debt.
07/28/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32216	Web	Servicemember
Company will not provide or respond to validation of debt. The SCRA states that a landlord may not evict a current servicemember from premises that serve as, or are intended to serve as, a servicemembers primary residence during a period of military service, without a court order, assuming that the monthly rent for those premises does not exceed a certain amount. See 50 U.S.C. 3951.
03/14/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33441	Web
on XXXX i sent a validation letter to FCO, they failed to respond to my dispute. Under federal law this is a violation. i would like the removal of this alleged debt. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense.
10/22/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85379	Web
in XX/XX/2018 I attempted to remove 3 collection accounts from my XXXX and XXXX credit profile.The acounts are inaccurate and they have not verified the contract between me and the following 3rd party collection agencies. I'am not liable to pay any 3rd party debt collection agency as the original debtor has already been compensated for such losses through taxation or insurance.
01/24/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DC 20011	Web
XXXX XXXX XXXX has an account in my name. The account number is XXXX. This account is fraudulent and was not opened by me. Please have this account removed off of my credit report immediately. Fair Collections and Out ( XXXX XXXX ) has fraudulent account opened in my name as well. The account number is XXXX. Please have this account removed off of my credit report immediately.
08/03/2021	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	MI XXXXX	Web
This company, Fair Collections and Outsourcing is by way of identity theft, committing fraud. They have stolen my personal identifying information from XXXX XXXX Apartments, and have furnished my consumer reports with adverse information without my consent. The have not validated or verified this alleged debt, but there are attempting to extort me for payment by way of coercion.
11/20/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 93638	Web
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
08/19/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30127	Web
I have contacted Fair Collections & Out many times to dispute this account that they are reporting on my credit file. To date, they have not provided me with proof of this account, nor have they responded to the Fraud Affidavit that I submitted to them. They have deliberately violated the FCRA in not responding to my request and in reporting information that do not belong to me.
10/17/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	GA 30080	Web
I submitted an complaint on XX/XX/2023 with XXXX XXXX XXXX XXXX XXXX. I am requesting the Original Purchase Agreement from XXXX XXXX who was the original creditor with this debt, with all the terms and conditions. Please provide me with Original Purchase Agreement that your company ( FAIR COLLECTIONS & OUTSOURCING INC ) received from XXXX XXXX before you received this debt.
05/01/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	FL 33023	Web
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
12/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NE 681XX	Web
XX/XX/21 See Previous complaint ID : XXXX Contiued issue : Joint account has not been deleted after resonable time as debt collector stated. This account is fraudulent and there is no personal responsibility for this account. This account is in violation of the XXXX ( using any false representation or deceptive means to collect a debt or to obtain information about a consumer )
05/20/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30071	Web
To whom it may conc ern, My name is XXXX XXXX , I am currently having an account with FCO, Fair Collections & Outsourcing Inc. T he amount that was delinquent was XXXX , originated on XXXX / XXXX / XXXX . However, the collector attempted to reage the debt to XXXX / XXXX / XXXX , which in my understanding is at once unethical and illegal. Please help, XXXX XXXX
07/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92606	Web
On XX/XX/2022 a company named Fair Collections & Outsourcing claimed I owe them {$15000.00} and it was added to all 3 of my major credit reports. XXXX, XXXX, & XXXX. They claim is it debt from past due rent. This is false. Ive never been late or delinquent with rent in my life. I filed a dispute with the 3 bureaus listed above and they did not remove this fraud. Please help
05/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 61115	Web
I paid an old account a couple years ago however it is still showing as active and currently in collections on my credit report. I have reached out via phone and email to the reporting company however I was told via phone and email that they will not make any changes. Fair Collections & Outsourcing , Inc . XXXX ( located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX )
11/09/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	AK 997XX	Web
I had a past due amount due to the Retreat at XXXX XXXX XXXX that was transferred to Fair Collections and Out for collection. I have settled this account and paid it off. I was sent a deletion letter and told my credit report and my rental profile would be updated. The account still shows on my credit report and, when my credit profile is checked, the eviction still shows.
09/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	OR 978XX	Web	Servicemember
Good Morning, This debt has been settled and paid multiple times. However Fair Collections and Out continues this fraudulent behavior. I have tried contacting them, along with XXXX. These were all settled in XXXX or XXXX. For {$1700.00} {$2700.00} and {$2000.00} which were negotiated and paid with XXXX XXXX XXXX in XXXX XXXX. This has caused me to go XXXX because of greed.
09/21/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33054	Web
Fair Collections and outsoucing is reporting a debt for XXXXFair Collection and outsourcing did not provide any signed contract .When a debt validation letter was requested all they sent was a ledger with charges. I am asking that Fair Collections and outsourcing please provide validation indicating that I owe the debt, a signed contract and details on why I owe the debt.
12/17/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77340	Web
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.
07/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MA 02124	Web
Original Account has been paid. Account now shows a new amount not paid and a much larger amount. Multiple documents to support my claims. Please have collections account remove in accurate info from all 3 credit bureaus within 10days. Falsified documentation by collection agency to be removed immediately. Proper state guidelines not met here. Delete off all 3 bureaus
03/20/2019	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	TX 752XX	Web
I sent four ( 4 ) certified mail notifications and two ( 2 ) emails notifying them the debt was not mine and was a result of identify theft. I sent in a sworn affidavit. I sent in the FTC Identity Theft affidavit. Despite all this, I continue to be harassed with calls stating the debt in mine ( despite the above documents AND the fact I lived in New York at the time ).
11/30/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 195XX	Web	Servicemember
Since XXXX I have been disputing an account on my XXXX credit report that is not mine every other credit reporting agency removed it XXXX won't. FAIR COLLECTIONS & OUTSOURCING Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$6.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX XXXX
06/14/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MO 631XX	Web
Fair Collections and Out is attempting to collect XXXX from me from XXXX XXXX XXXX, a place I have never lived. I have disputed this to no avail, asking what method of verification was used to identify my original signature and a signed lease in my name. No written notification or bill was sent to the address in which I live before placing said debt against my credit.
01/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38134	Web
Fair Collections and Out is attempting to collect XXXX from me from XXXX XXXX XXXX, a place I have never lived. I have disputed this to no avail, asking what method of verification was used to identify my original signature and a signed lease in my name. No written notification or bill was sent to the address in which I live before placing said debt against my credit.
02/28/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76708	Web
I have a collection account on my credit report with the orignal creditor being XXXX XXXX XXXX but it's now FAIR COLLECTIONS & OUTSOURCES account number XXXX in the amount of {$4600.00}. This is not my account, I have never lived here. I do not know why my information is on here or how it got to me. My father name is XXXX XXXX also but this is not my account for sure!
05/31/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 23608	Web
The apartment complex is calculating charges that are not owed and does n't match the information on move out inspection sheet. The apartment complex is trying to charge for things that were existing before I moved into the unit. Pictures and documentation prove that the charges are inaccurate and unfair. There was never an itemized breakdown of what is being charged.
03/19/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	CO 80207	Web
FAIR COLLECTIONS & OUT has been harassing me with constant phone calls, beyond the acceptable hours during the day, and reporting false information to the credit reporting companies, even though I have told them they must have the incorrect debt information. I have lived at XXXX XXXX XXXX, XXXX, CO XXXX since XXXX, but they claim some address from XXXX XXXX in XXXX.
10/25/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC XXXXX	Web	Older American, Servicemember
Fair Collections & Outsourcing alleged that I owed XXXX to XXXX XXXX. My daughter lived at the apartment, but was harassed by management and had to leave in distress. She filed a complaint and they removed the item from her credit report. The company then placed on my report, thereby ruining my credit. Because of the harassment, this should be removed from my report.
09/08/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92591	Web
Complainant previously filed a complaint that was responded on XX/XX/2021. The compny 's policy of " any one over the age of XXXX has to be screened and added to the Lease Agreement '' has nothing to do with the duration of how long a guest can stay in the apartment. The company 's reponse is evasive and not acceptable. The company should admit it committed fraud.
06/01/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77082	Web
XXXX XXXX XXXX XXXX XXXX agency put a collection account on my credit file without notifying me or anything. I have no idea where this debt came from. It is a phantom account. I wrote this collection agency and asked them to validate this account and where it came from. They have not responded to me and are still reporting it on my credit. it has now been 90 days.
05/08/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MA 023XX	Web
Fair Collection & Outsourcing, amount of XXXX. I have sent Fair Collection & Outsourcing a debt validation and Fair Collection & Outsourcing has not responded. Fair Collection & Outsourcing also reported this to all 3 credit reporting agency with validated the claim. I also have no knowledge of this account and I also have no knowledge of the original creditor
10/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28277	Web
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me significantly as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
07/24/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	AZ 85143	Web
I never recieved any notification I owed a debt. Company never notified me of debt, never sent any information validating debt nor any notification of my rights to dispute the debt. The debt showed up on my credit report with no validation of debt or my rights regarding the debt sent to me nor was I ever contacted by the company in any way regarding this debt.
11/30/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	CT 061XX	Web
This FAIR COLLECTION & O that has a balance of {$0.00} opened date XX/XX/ is not belong to me. I don't have an idea why I got this collection. THIS IS A FRAUD! I believe that someone used my identity to open this account. I am not the one who is responsible for this collection. It is not fair! I already filed an FTC affidavit. Please find attachment. Thank you
12/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NC 28092	Web	Servicemember
This debt was disputed with the original creditor XX/XX/XXXX. The issue is long over the 7 year limitation. The collection agency continues to maintain this disputed debt from XXXX on my credit report even though it shows the debt is in dispute. I would like your assistance getting this account removed from my credit reports with all credit reporting agencies.
09/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	FL 33060	Web
This company, Fair Collections Outsourcing calls me indicating I have unpaid debt and continues to try and have me provide my ssn. I don't miss monthly payments for my obligations and any debt they're stating doesn't add up. When XXXX inquiry why they need my ssn if they contacted me they say that they can't locate the account. I feel like I am being scammed.
05/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 783XX	Web
This company -Fair collections and outsourcing- is attempting to collect a debt I do not owe. They have failed to send me validation for this debt as I have sent three separate letters for proof of debt validation. This company is only reporting on XXXX credit site ( XXXX ) because the other XXXX credit agencies have already deemed the collection fraudulent.
12/19/2018	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	PR 00693	Web
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.
11/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX XXXXX	Web	Servicemember
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.
01/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10036	Web
I was a victim of identity theft I filed a report with the federal trade commission and let the credit bureaus and collection company know and attached the report to my dispute. all but XXXX has not removed the debit collection from my report. I filed over XXXX disputes attaching the FTC I didnt identity theft report and still its not been removed from XXXX
04/25/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10021	Web
I was only called on the phone about the debt and never sent a bill. I was in a law suit and as a result the landlord created a fake credit claim. I settled the case with the landlord, however they were supposed to take the debt off of my credit report and cancel it with the debt collection agency, but they did not. The debt is with FCO XXXX XXXX XXXX
05/31/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	IL 60060	Web
They want to charge two people for same amount and its not the right amount because they are overcharged us. We had never been served. We dont own that amount of money. {$4800.00} total {$9000.00} on XX/XX/2016. XXXXXXXX XXXX is taking care of it. The company name is XXXX at the links but the collection company now is Fair Collection outstanding company.
01/06/2023	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60620	Web
Incident Description I have been a victim of identity theft. My old apartment at XXXX XXXX XXXX XXXX. I believe the current residence was getting old mail and using my identity to apply for credit card loans utilities and apartments. I have been constantly getting items in my name without my permission. I am not aware of any of these items on my report.
03/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33025	Web
This is a follow up request of XXXX due to the company closed it. The creditor 's attorney responded to my attorney that they will withdraw this account in XXXX. So my original request is that both collection company and creditor need to eliminate this record in all 3 bureaus include XXXX ( They did the XXXX already in XXXX so need to be done on XXXX )
05/19/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77386	Web
In XXXX , I called this debt collector to state the the debt was not mine, and I did not owe them. They failed to send me any documentation proving that the debt was min e ( no contract ). I never heard anything back from the and 30 days had already passed. Representative I spoke with claimed they did not have to prove it, which was a absolute lie.
04/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	AR 72204	Web
XXXX has been asked by myself and an attorney friend to furnish a complete list of charges and how they came to that amount from an apartment I left in 2011. They claim I owe {$2300.00} or so but in the years and years I 've been contacting them they refuse to furnish a complete list of charges. They can not explain how they came to the amount they did.
02/22/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33137	Web
I told the collection agency that the debt with the creditor they were trying to collect was disputed and I filed a lawsuit against the creditor. The case is pending. The collection agency still reported this debt to the credit bureau 's ruining my credit. I don't understand what right these collection agencies had to do this without a court judgement.
12/06/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	NY 11238	Web
Fair Collections & Outsourcing ( FCO ) have harassed me multiple times via phone and letters in attempt to collect debt for " XXXX XXXX XXXX XXXX with apartment or unit XXXX '' which does not belong to me. I have notified them that this debt does not belong to me and they continue to harass and attempt to steal my personally identifiable information.
09/25/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive notice of right to dispute	FL XXXXX	Web
after move out we paid all requirments with a XXXX balance saw a collection account on my credit report but was never notified via email or phone call i am not liable for this dedt with XXXX XXXX XXXX XXXX XXXX XXXX. I do not have a contract with Fair Collections & Outsourcings , Inc. they did not provided me with the original contract as requested.
07/27/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NV 89102	Web
Fair Collections & Outsourcing of New England, Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Account # XXXX In accordance to the Fair Credit Reporting Act Fair Collections & Outsourcing of New England, Inc Account # XXXX has violated my rights.. It also states a consumer reporting agency can not furnish a account without my written instructions.
06/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 20601	Web
Hello a collection account has been added to my credit report that is unknown to me SEE ATTACHMENT. I disputed this account with all three credit bureau 's that came back as verified. Which is impossible being that this account is unknown to me. Please send me any documents that you may have for my records of a signed agreement for this account.
12/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DC 20011	Web
My personal information was compromised. After reviewing my credit report it is apparent to me that someone has accessed my information to apply for an apartment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fair Collections and Out ) Balance Owed : XXXX XXXX XXXX
07/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30305	Web
This is in a response to complaint # XXXX where Fair Collections & Outsourcing , inc asked me to complete an identity affidavit form. This collection is the result of an identity theft crime in which the original complaint contains the police report. Attached to this complaint is the completed identity theft affidavit FCO requested I complete.
02/24/2023	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	MD 21045	Web
this a letter that iv recieve from XXXX collection about an amount of XXXX XXXX to pay as balance on an apartment in XXXX XXXX XXXX i have to inform you i have never been live in this apartment even in this area i live in XXXX since 2019 and then suddenly i recieve this letter from this company im not the personne that they suppose to contact.
04/08/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	DC 20019	Web
Im requesting a deletion from Fair Collections and Out. I have requested a copy of the original contract between me and the Overlook who is the Alleged original creditor. I still havent received any proof of any contract with either party and its been over 60 days. The is has been an inconvenience to my life and I with like to be compensated
12/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	CO 80219	Web
I sent a certified letter on XX/XX/XXXX ( received and signed for on XX/XX/XXXX ) requesting they only contact me via mail and on XX/XX/2016 I received a phone call and subsequent voicemail from this company. I also requested verification of the alleged debt and all I received was a " Disposition of Charges '' that did n't tell me anything.
02/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75025	Web
FAIR COLLECTIONS & OUT ACCT # XXXX Amount {$5900.00} Requested verification, disputed online with credit bureau to the collection agency stating that I dispute the validity of the debt and that I want documentation verifying the debt. If the debt can not be validated by the collection agency, must remove from credit report within 30 days.
06/29/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33445	Web
I sent letter to debt collector/creditor to verify debt I received no response and/or documents. I mailed letter on XXXX XXXX and have proof from post office verifying this. I have complied with all credit reporting laws and have given the appropriate time to respond and would like this matter resolved and deleted from all credit bureaus.
09/30/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MA 02324	Web
I received XXXX phone calls on my home and cell phone number. I returned XXXX calls, verified that it was a different person with the same first and last name ( but different middle name, birth date, etc. ) On each phone call asked them to cease contacting me. Received XXXX a letter demanding payment. Called again and asked to be removed.
07/07/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MD 20747	Web
XX/XX/2023 I got an alert that FairOutsourcing and Collections put a collections on my credit report for XXXX It does not state what this debt for or the original creditor. FairOugsourcing did not contact me via us mail to inform me about this debt or verify this debt. I would like to have this debt removed from my credit report ASAP.
12/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30328	Web
Collections agency was contacted several times, and affidavit has been filled out for removal of debt. Collector agreed to ignore the contact from the party, and specified that this debt is for someone with a similar name. The debt is from XXXX and was living in XXXX at the time. I have submitted a copy of my drivers license as well.
09/12/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 20785	Web
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT IS TO GET THIS ACCOUNT VALIDATED PURSUANT TO 15 USC 1681A ( E ) OR PERMANENTLY REMOVE IMMEDIATELY. I AM A CONSUMER AS IDENTIFIED IN FDCPA 15 USC 1692A ( 3 ) AND I HAVE A RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 ( A ) ( 4 ).
10/31/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 17601	Web	Servicemember
An identity report and police report was submitted to the credit bureaus and CFPB to dispute fraudulent accounts on my credit reports including XXXX XXXX XXXX numerous times. ALL accounts have been investigated and remove with the exception of XXXX XXXX XXXX. Can you please assist with removing this account from my credit report.
10/31/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 17601	Web	Servicemember
An identity report and police report was submitted to the credit bureaus and CFPB to dispute fraudulent accounts on my credit reports including XXXX XXXX XXXX numerous times. ALL accounts have been investigated and remove with the exception of XXXX XXXX XXXX. Can you please assist with removing this account from my credit report.
03/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94539	Web
What information is requested? I RECENTLY SETTLED AN ACCOUNT THAT WAS REPORTING ON MY CREDIT. THE PERSON OVER THE PHONE STATED THAT THE ACCOUNT WOULD BE DELETED AS PART OF MY SETTLEMENT. THE BALANCE HAS BEEN UPDATED BUT THE ACCOUNT STILL REMAINS ON MY CREDIT. PLEASE DELETE AS THIS WAS THE AGREEMENT TOLD TO ME BY THEIR PHONE AGENT
09/21/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 21075	Web
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.
06/30/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MA 01915	Web
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.
01/09/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 02301	Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
08/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 349XX	Web
I saw this on my credit report and was shocked. I have never even received communication from the original debtor. I have tried and tried to reach the debt collector. I am constantly send to a voicemail and no one calls me back. I have a lease from a home in city hundreds of miles away from when this debt is supposedly occurred
05/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60560	Web
I do not have now, nor have I ever had a credit relationship with Fair Collections & Out Sourcing. A debt verification is warranted that must be accompanied by a judge and court order, if one can not be provided -- please remove this erroneous information from my credit file as it is impacting me both financially and mentally.
11/13/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 336XX	Web
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
11/30/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33612	Web
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
01/30/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NJ 07052	Web
Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2019 Account type Collection Department / Agency / Attorney Balance Loan Amount {$1000.00} {$1000.00} Payment Info Original loan amount {$1000.00} Balance {$1000.00} Updated on XX/XX/2019 Contact XXXX XXXX XXXX XXXX XXXX, MDXXXX ( XXXX ) XXXX
09/08/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 070XX	Web
Fair collections and accounts removed XXXX it has already been removed from my credit and back XXXX XXXX XXXX has already been removed and came back XXXX XXXX XXXX XXXXXXXX has already been removed and came back XXXX XXXX XXXX has already been removed and came back XXXX XXXX I am not even on this card for the last 6 months
05/16/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 94107	Web
XXXX XXXX XXXX illegally raised my ren t ( California require s 30-days notice for any rent increase. I recieved 0-days notice ) I e mailed them and they agreed not to charge me the rent increase so long as I moved within 30 days. At the end of the month they sent the increase in rent to collections instead. XXXX
08/19/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NY 11720	Web
I have disputed this debt and been unsuccessful with a response from the comp any 1. I never received a notice of debt or right to dispute. 2. I was notified th at creditor received NYS Covid rent relief that if this debt is a valid the debt balance should be adjusted. I have no proof of validity of balance or adjustment
07/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 08096	Web
In accordance with the Fair Credit Reporting act Account name : XXXXXXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
09/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30034	Web
FARI collections is reporting a debt on my credit file that I do not owe. I recently checked my credit and noticed this debt on my credit file, I called immediately and paid the debt off. I never received any phone calls or collection letters or notices about this debt. I'm sure this violates my 30 day right to dispute.
06/06/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AR 72223	Web
XX/XX/2018 : Company sent an invoice seeking to collect {$3900.00}. Debt was disputed and a validation letter requested. XX/XX/2018 : Company called seeking to collect {$3900.00}. Debt was disputed and a validation letter requested. XX/XX/2018 : There is no judgment authorizing the Company to collect the alleged debt.
10/24/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32824	Web	Servicemember
This company has not recognized my right to privacy by reporting this alleged debt to the credit reporting agencies. I have not given consent for this alleged debt to be reported. I believe this is a violation of 15 USC 1692d ( 4 ). This company has also not verified this alleged debt which was requested in XX/XX/2021.
01/25/2017	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	MD 20901	Web
I never received a statement from original creditor and I believe that this is not accurate, I send them different letter and they never reply, I hope this is not a fraud, it ' s affecting my credit score, I also contacted the XXXX credit bureau, XXXX and XXXX deleted only XXXX keep reporting with what kind of proof??
05/03/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33023	Web
In accordance to the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
10/25/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NM 88011	Web
This item has been on my credit report for a few years. I have never received anything from them as to what this is for or who the original creditor is and why I owe them. I have even disputed this with the CRA 's. This negatively impacted my credit score, and has made it extremely difficult to rent a place to live.
09/17/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19139	Web
The collection agency is : XXXXXXXX XXXX Fair Collections & Outsourcing , Inc . XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Ref : XXXX. They are alleging that I owe {$5400.00} in back rent for a property that has no Rental Suitability License ( rental license ) as required by the City of XXXX. XXXX XXXX XXXX
10/04/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MA 02472	Web
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.
08/05/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	MD 20746	Web
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
09/18/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30318	Web
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!
04/26/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AZ 85027	Web	Servicemember
On XX/XX/23 I received 3 credit alerts regarding a debt owed by XXXX. I have never received any correspondence pertaining to this debt They failed to accurately validate the debt and placed this my credit, my wife 's credit and my mothers credit with out consent. I have had absolutely no communication with them
05/31/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 641XX	Web
Fair Col lections & Out. Acct. XXXX . {$21000.00}. I have no idea who this is, what this is, and ca n' t IMAGINE who I could possibly owe this much money too! I sent a letter to the credit bureaus asking them to verify the debt. I did n't receive a response, and now I do n't know what to do! Please help me.
11/24/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	PA 19124	Web
I just received a copy of my consumer report and notice on XX/XX/2022 fair collection & out reporting a alleged debt in amount of {$12000.00} without notice which is a violation under FEDERAL TRADE COMMISSION called debt parking this is damaging my reputation, character, as a consumer under 15 USC 1681 ( 2 )
01/09/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 22407	Web
This debt was settled as of XXXX XXXX for the amount {$1200.00}. This information has not been reported to the three credit bureaus and showing as account in collections. This has caused my denial for housing and also trying to obtain personal loan for my bank. I want it to reflect the accurate information.
03/26/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NJ 07103	Web
Every Monday precisely at XXXX EDT Fair Collection and Outsourcing call me every week. I have sent a letter to them to only contact me via USPS and to validate the debt. Fair Collection Outsourcing has failed to send me a letter via USPS, but instead they have called me during work hours on my mobile phone.
08/07/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	IL 601XX	Web
A collection was listed on my credit report from Fair Collections and Out on XX/XX/2019. This company did not send me a dunning letter or any type of communication to give me an opportunity to dispute the validity of this so called debt. The amount listed does not coincide with any amounts that I may owe.
03/10/2021	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	TX 78250	Web	Older American
Was renting a apartment for a few years. I am diabetic and couldnt work anymore cuz my feet and knees were hurting very much. I didnt owe no rent it was up to date. But they argue about me not turning in a 2 month notice ahead of time. I wasnt able to work anymore and not afford the rent so I moved out.
12/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 21202	Web
I am writing to express my dissatisfaction with your failure to furnish the requested documents and complete the debt validation process, as stipulated in my previous correspondences via mail. Given these circumstances, I insist on the prompt removal of the account you reported from the credit bureaus.
11/05/2019	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	MA 02301	Web
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.
02/27/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MD 208XX	Web
We were in Court on XX/XX/2017 between me and The point at XXXX XXXX XXXX. The district Judge dismissed the case against me since it wrong. Now the collection agency ( Fair Collection and Outsourcing ) ignore the judge decision ) and reported me to all 3 major credit report agency to destroy my credit.
12/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI 482XX	Web	Servicemember
Fair Collection & outsourcing is reporting inaccurately and has caused me suffer financial damages. They have violated the privacy of my consumer report by reporting information based solely on transactions and experiences between me and the person making the report. Refer to 15 USC 1681a paragraph 2.
05/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30281	Web
I paid off several debts over a year ago. The credit bureaus are still reporting them in a negative way. It is sayin too many delinquents, when there is no delinquents. It had caused me many denials, ans large deposits fir things. I have disputed over and over. It is emotional distress at this point.
07/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	GA 31707	Web	Servicemember
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.
05/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	IN 46224	Web
fair collections and out is reporting and account that was paid proper to it being sold, ive advise they refused to validate with company so I paid it a 2nd time and was told it would be removed that was in 2017 and they haven't made any attempts to resolve issue which is affecting my credit report.
05/12/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	FL 331XX	Web
They terminate my Lease, i had a deposit of {$2500.00}, they return me a MO of {$4000.00} that i was made, i give them the house key and everything, and now they said that i owe them {$4700.00}, I will add the document that they send me with the Money. Now I have as a collection in my credit report
08/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95204	Web
Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. I have no knowledge of the debt whatsoever please remove from all 3 credit reports. Total amount owed is {$0.00}. Ive already disputed with all 3 credit bureaus.
07/27/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95204	Web
Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. I have no knowledge of the debt whatsoever please remove from all 3 credit reports. Total amount owed is {$0.00}. Ive already disputed with all 3 credit bureaus.
07/08/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60504	Web
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
12/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Attempted to/Collected exempt funds	MA 015XX	Web
Enclosed is a letter with information that I sent to a collections company that was and is looking to collect a fraudulent loan that is fraud, bad faith, and done with a modus operandi that violates regular rules of collections and finance law. See letter below that was sent to Finance company.
04/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75068	Web
I have a particular account that is stating that I owe {$10000.00} and it is listed on my credit report. I reached out to them via mail on several occasions for validation and I have yet to receive a response. I recently reviewed my credit report and it says that the account is still opened.
12/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30331	Web
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
04/03/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 11221	Web	Servicemember
I am writing this complaint in regards to FCO an debt collection company attempting to collect a debt from me. I have no proof or knowledge that I owe this debt. I moved out of XXXX House in XXXX of XX/XX/2013 and paid any remaining balance I owed. I believe this debt is unjust and inaccurate.
10/05/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30253	Web
On XX/XX/2020, I reviewed my credit reports. I saw a negative reporting from FAIR COLLECTIONS AND OUT located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX. I have never received notification from this company pertaining to debt. I do not owe them any money nor have they validated this debt.
05/24/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NJ 08873	Web
I never entered into an agreement with this company for any services. I never received any correspondence validating any financial obligation. They are reporting inaccurate information on all three of my credit reports. This company is violating my rights under the Fair Credit Reporting Act.
03/28/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 325XX	Web	Servicemember
Fair Collections is reporting on a debit that is n't mine and in another name. They have been sent several letters and it has been disputed with the reporting agencies to no avail. They continue to verify the debt without producing evidence bearing my signature or a break down of line items.
04/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 077XX	Web
I had an account back in 2016 which the creditor agreed to remove from my credit report once i paid the full balance. I have been attempting to resolve this with the three credit bureaus and the creditor, unfortunately till this day they have not remove and it is causing financial hardship.
10/28/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32837	Web
This was apartment rent that was owed during the COVID-19 Cares Act Period. But several items above that. 1. Unit was not placed on market per lease agreement ( EARLY TERMINATION OPTION. Unit took 16 days after notice was placed to market on site or in person. 2. Cares ACt was in place.
01/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78660	Web
To Whom it may concern i have since correspondence to this innaccurate account on my credit report and the the collection agency has yet to respond with the proper documentation requested. I sent my first request XX/XX/2022 and have yet to get this resolved. The alleged amount owed is XXXX
02/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Old information reappears or never goes away	VA 22314	Web
I am interested in removing a 7 year eviction from public records. I paid off the debt, resulting in the case being deemed " satisfied, '' by a judge. However, it still shows up on civil case searches and most likely my rental application. I was wondering how to get rid of it all for good.
04/03/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91761	Web
The name of the company is FAIR COLLECTIONS & OUT XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX They are saying I owe them {$1000.00} I have request for validation. They have refused to provide debt validation. They do not have my authorization accepting any form of agreement obligating me to it.
01/09/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	MD 20904	Web
Requested a verification of the debt and did not get one. Instead i get a negative remark placed on my credit report for late payment. I never owe this company and it is unfair to place a negative remark on my credit report without verifying the debt. My credit score was impacted by this.
03/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 91702	Web
I disputed the account initially before hitting my credit report. The company ignored my request. I have court documentation and I have supplied the company after they failed to do their own investigation. I would like this debt removed until they have concluded the investigation.
06/27/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75093	Web	Older American
I found this company on my credit report under adverse accounts, named as a creditor. I have never done business with this company. This company has never sent me a physical statement. It has never called me and until today I had no knowledge of this debt or any means to dispute it.
04/08/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	CA 92805	Web
I am writing this due to non-compliance with FAIR COLLECTIONS & OUTSOURCING. THEY HAVE FAILED TO REMOVE INFORMATION THAT WAS AFFILIATED WITH PERSONAL DETAILS THAT WHERE CHALLENGED IN THE PAST. I strongly believe they are in violation of the FCRA and are refusing to uphold the law.
07/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20748	Web
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 15USC 1681 Section 602 states i have right to privacy 15 USC 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without written Instructions.
01/04/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30519	Web
FAIR COLLECTIONS & OUT Original creditor : XXXXXX/XX/XXXX {$5000.00} This account does not belong to me I have contacted the original creditor and collections agency to verify the validity of this account and have yet to receive proof of ownership of account or service rendered.
10/18/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD 20774	Web
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/2016.Nothing is due to FAIR COLLECTIONS AND OUTSOURCING INCORPORATED because I never agreed to a contract with them.
08/19/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 17601	Web	Servicemember
Do not have any knowledge of this Credit Account on my XXXX, XXXX and XXXX credit file to Original company One Wall. Contacted them and confirmed debt is not mine however FCO will not remove from my credit file. Insist that closed account is accurate. Please assist and remove
08/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20748	Web
In accordance with the fair credit reporting fair collections & Out has violated my rights. 15USC 1681 Section 602 states i have right to privacy 15 USC 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without written permission.
08/18/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92627	Web
For months now this company continues its harassment during work hours and refuses to provide its proof af amount and ownership when it comes to this debt. This company has made threats of exposing me at work and badgers me for a debt they wont provide proof and accounting of.
12/23/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33056	Web
This company is reporting fraudulent inaccurate information on my credit report. i have requested that they provide the purchase agreement to show full ownership of such account and also other documents so i may review to see if this is actually an account that belongs to me.
05/15/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30067	Web
There is an amount on my credit profile for {$5000.00} for rental property. I submitted a letter to the company to inquire about this charge and they sent me papers regarding the leasing agreement. I have no knowledge of this agreement and did not live at the property stated.
07/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 08401	Web
According to the fair credit reporting act FAIR COLLECTIONS & OUT XXXX 15 U.S.C. 1681Section 602 A states I have a right to privacy. 15 U.S.C. 1681 Section 604 A section 2 It also states a consumer reporting agency Can not furnish an account Without my written instructions.
11/23/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 60016	Web
This company Fair Collection and Outsourcing located at XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX could not verify a invalid debt that was put on all three of the credit agencies preventing me from obtaining housing and credit to better my life. They couldnt verify the debt.
09/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 08527	Web
Received a call on XXXX at XXXX am from XXXX ( XXXX ) XXXX XXXX XXXX looking for a family member. They should not be contacting me. I dont know how they received my contact information as I am on the do not call registry. Additionally he was verbally abusive and harassing.
08/19/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 17601	Web	Servicemember
Do not have any knowledge of this Credit Account on my XXXX and XXXX credit file to Original company XXXX XXXX. Contacted them and confirmed debt is not mine however FCO will not remove from my credit file. Insist that closed account is accurate. Please assist and remove
05/26/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85382	Web
I settled the debt with this company because they promised they would remove it from my credit i did not owe {$440.00} to XXXX XXXX XXXX and i explained that over and over again yet it is still on my credit they forced me to pay a debt i never owed with lies and promises
06/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	KS 662XX	Web
XXXX third party utility company billed me twice with electric charges and I was being billed by the electric company as well. They sent it collections to XXXX for {$570.00} the amount is incorrect. I ask to update my bill so I can pay it they just sent it to collections
01/24/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	AZ 850XX	Web
they call non stop and now have contacted a friend of mine. I have no idea how they got his telephone number, but said they were calling for me to collect a debt. I also paid them in the past and they still call and say it 's not paid. it is XXXX and they called from XXXX
04/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MA 02169	Web	Older American
I have been getting calls for a person XXXX XXXX for 1 month. The collector asked me for my social security number. The phone number they call from is XXXX. I was told last week they wouldnt call me anymore since I have no debt with them. I got another call this morning.
12/07/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 757XX	Web
I just checked my credit report today and noticed a delinquent account that I have no idea what its for. The debt collector is Fair Collections & Outsourcing account # XXXX in the amount of {$3900.00}, original creditor is XXXX XXXX. The account is as opened XX/XX/2018.
02/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 43207	Web
FCO ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened XX/XX/2019 Balance {$2500.00} I dont believe that this reporting is correct. I see that this account has a charge-off status but Im still seeing balance being reported. Are you aware that its a violation?
04/28/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75228	Web
I have written this company a debt verification letter to verify that the debt is mine they have yet to send me a letter back with debt I am victim of id theft and I have affidavit on file this company still is reporting the debt despite me sending proper documentation
01/06/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75062	Web
Sent a letter to the collection agency asking for VALIDATION of debt not VERFIFY. Ask if the debt could not be VALIDATED within 30 days to please remove from all 3 credit bureau reports. Agency responded to my request by sending a letter titled VERIFICATION OF THE DEBT
04/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29405	Web
I've spoken with Fair Collections and Out numerous times and provide proof that I don't own this amount that is being displayed on my XXXX Credit Report, this is unacceptable and unprofessional to be able to report incorrect information on an individual credit report.
04/07/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30080	Web
I have sent this company numerous police reports of identity theft for an apartment I never lived at. They requested leases from where I lived during that time. I sent certified mail the leases and they never responded and there have not taken it off my credit report.
04/28/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92557	Web	Servicemember
Social security cards, birth certificates, and bank cards were stolen they belong to my kids and I. Documents were stolen while transitioning from XXXX XXXX to civilian. Multiple credit cards were fraudulently created, as well as a bank account and apartment leases.
09/07/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 10030	Web	Servicemember
I was the victim of identity theft. Someone leased an apartment in my name and was evicted by default judgment once they didnt pay. Fair Credit and Outsourcing is reporting this debt on my credit bureau reports even though the debt was the result of identity theft.
05/24/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NJ 08873	Web
I never entered into a contract with this company. I never received any information regarding my rights to dispute. They are reporting inaccurate and negative information to all three credit bureaus. They are violating my rights under the Fair Credit Reporting Act.
01/10/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	MD 20904	Web
I requested a verification from Fair Collections & Outsourcing after noticing a collection notice on my report. Now they have listed the debt as late payment on my credit report. This is a communication tactic they are using to get me to admit and settle this debt.
08/30/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 95129	Web
On XX/XX/XXXX, I received a mail from Fair Collections & Outsourcing ( FCO ) claiming I owned {$17000.00} to Creditor " The XXXX XXXX XXXX XXXX XXXX ''. I had identify theft on 2021 and I have reported it to Federal Trade Commission right after the theft happened.
10/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77054	Web
I submitted a complaint for this fraudulent claim. the response back from that complaint was that I needed to provide utility bill that proves where I resided during the time of the false reporting. I have attached that document as well as the previous documents.
10/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	NE 68046	Web	Servicemember
Someone signed my name and used my information to obtain a lease for an apartment. I filed a police report, filed a fraud report with the FTC, filed a dispute with the collection company and notified the apartment complex but they still insist the debt is mine.
05/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MI 49015	Web
This collection agency is re-aging old debt and reporting incorrect date of first delinquency. I am XXXX and this inaccuracy is causing unnecessary stress. I have disputed with all XXXX Collection Agencies, FCO continues to verify thier information as correct.
01/23/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 325XX	Web
Sent a letter on XX-XX-2018 to validate the debt. Fair Collections and Outsourcing sent a letter stating that I owe XXXX not Fair Collections and Outsourcing. The amount was different. It says I owe XXXX on my credit report. In the letter it states I owe XXXX.
11/20/2022	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	NC 28540	Web
Fair Collections & Outsourcing , Inc. is in violation of the Fair Debt Collections Act ( FDCA ) and has been calling me without my permissible purpose, according to Title 15 USC 1692b ( 2 ) and Title 15 USC 1692b ( 5 ). I attached a letter with the remedies.
10/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75241	Web	Servicemember
I have contacted them on multiple occasions advising this is not my account. I had no need to rent a home at the time they stated it was rented. The person that this belongs to has settled the account and I request this to be removed off my credit report.
10/25/2023	Yes	Debt collection Rental debt	Communication tactics Used obscene, profane, or other abusive language	IL 60090	Web
I spoke With rep XXXX on XXXX around XXXX XXXX time. He kept over talking and being aggressive towards me on that phone call. I asked him question 's that he would not let me finish. i asked for manager and XXXX hung up on me. i felt harassed and abused.
06/21/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IA 505XX	Web
My credit file shows a collection from your agency. I was never notified of this collection. Also, I do not believe that this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt.
06/21/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33624	Web
My credit file shows a collection from your agency. I was never notified of this collection. Also, I do not believe that this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt.
03/14/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CO 80020	Web	Servicemember
XXXX is collecting a debt for XXXX XXXX XXXX without a tear-off form to dispute the debt per CFPB XX/XX/2021 law. XXXX is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX / XXXX Colorado XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX XXXX XXXX
08/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	UT 84003	Web
Fair Collections & Out : -XXXX - This is for XXXX XXXX - that was a utility bill that was charged to me the month that they I was moving out and they were never a part of the new program that the apts initiated for the utilities yet I was billed for it.
11/15/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MD 20706	Web
I have debt that I am willing to pay but XXXX will not work with me for a payment that will not hurt my current rent and ablities to care for my daughter. I have called mulitpule times to speak to someone about lowering the payments with no call backs.
05/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD 21208	Web
Few years ago I paid a debt in full with XXXX systems. Thry stated to me if I pay my whole debt off they would give me a deletion letter and would be taken off my credit report it has not. And it's effecting me and my family from purchasing a new home.
06/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MD 20720	Web
Fair Collections & Outstanding Inc XXXX XXXX XXXX XXXX I have sent disputes to each agency and they are not sending verification of how the accounts are valid and they need to delete them from file because there is no contract and they have been paid.
06/01/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CT 069XX	Web
I was having a collection account with FAIR COLLECTIONS & OUTSOURCING which I was not aware of, they never tried to reached me or call to settled. I paid them and they assured to removed the account from my credit report which they 've never done.
03/21/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	FL 33435	Web
FairXXXX- $ XXXX.is the company that is stating that I owe this money and they were paid, this debt has been removed from XXXX and XXXX and XXXX need to follow site XXXX They have received numerous of letters and documents, in regard to this matter.
05/19/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 17601	Web	Servicemember
I have contacted original devt holder disputing this charge however attempts to collect continue so I want to offer XXXX to settle debt and have company update with credit reporting bureaus to prevent financial problems due to my financial hardship.
05/19/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 17601	Web	Servicemember
I have contacted original devt holder disputing this charge however attempts to collect continue so I want to offer XXXX to settle debt and have company update with credit reporting bureaus to prevent financial problems due to my financial hardship.
06/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60619	Web
XXXX Credit Bureau account Pursuant to18 USC owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b. 2.Company has also No permission to report anything using my info pursuant to 15 USC 1681 4. Please delete.
10/04/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AR 72206	Web
Unknown company, unknown debt. They claim I owe them through another company. I don't have a signed contract with this company, They have no authorization to run my credit. Never received any proof of a signed contract between me and this company
10/31/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 11206	Web
I have disputed the debt with the credit bureau, and the debtor has failed to validate the debt is mine. I am requesting the collection item be removed immediately due to noncompliance of the section 809 of the Fair Debt collection practices act.
09/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33054	Web
I do not owe Fair Collections and outsourcing for the debt that they are reporting on my credit report. This account shows as open on my credit report. I did not sign any contract with them. I am asking that this be deleted off my credit report.
09/29/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	NY 11236	Web	Servicemember
Company is still reporting on my credit report and according to New York State this is illegal they can not report after 3 years. This is not even my debt to begin with. I am looking to remove this immediately they have an amount of {$7100.00}.
07/28/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76107	Web	Servicemember
This debt appeared on my credit report. I am not sure what it is or who it is or why they are harassing me. I do not have anyone to have a joint account with. I am not married and I have no children. It could possibly be identity theft or theft
08/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 77062	Web
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.
03/25/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32114	Web
I sent two debt validation letters via certified mail on XX/XX/22 and XX/XX/22. They have failed to validate based on laws and keep reporting on my credit. I owe them nothing. The laws are clearly being violated and my name is being slandered.
02/16/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30350	Web
I had previously submitted a cease & desist letter to the company but they are still in violation of my cease and desist letter pursuant to 15 USC 1692c ( c ) : " cease and desist includes any communication to Consumer Reporting Agencies ''.
06/17/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OR 972XX	Web
Fair Collection and Outsourcing Inc. reported a false rental debt to credit bureaus in violation of Reg. F, 12 C.F.R. 1006.30 ( a ) ( 1 ). The debt was never verified and stems from a landlord tenant dispute without a valid court judgement.
02/27/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 303XX	Web
I am a victim of identity theft and there are accounts that i have disputed with the companies and credit bureaus by sending in my fraud packet that included my FTC Report, Police Report, FCRA, Credit Report, etc. The accounts are attached.
08/31/2023	Yes	Debt collection Rental debt	Communication tactics Called before 8am or after 9pm	PA 150XX	Web
FAIR COLLECTIONS & XXXX Has been calling me non stop anytime any hour with treats. And harassing me! I do not own them anything never sign a contract with them. They reported me to all credit bureau without my consent on false accusations
03/09/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33179	Web
Ive been trying to move this collection debt off my credit report for about a year now I continually keep calling and asking them to remove this, and also asking for any updates and nothing. also sent letters over to them and no response..
01/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NE 68137	Web
I have a negative collection not reporting to all 3 credit bureaus and would like to get them removed since they're not reporting correctly to all 3 bureaus the name is XXXXXX/XX/XXXX account number XXXX balance XXXX and date Open is wrong
09/29/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	TX 76063	Web	Servicemember
On or around XX/XX/2023 l requested validation of this debt. I received a settlement of debt offer letter. Per 15 U.S. Code 1681b - Permissible purposes of consumer reports. I am requesting that this be removed from my report immediately.
09/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	DC 20003	Web
reporting information on my rental report as both paid in full and as a write off Legally Per the FCRA a item can not be both " Paid In Full '' and " Charged Off '' the Account XXXX is listed as FCO-FAIR COLLECTIONS AND OUT XXXX XXXX XXXX
04/15/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33319	Web
Reached out to property manager over a year ago on three different occasions and was advised I would not be responsible for this account or any debt owed to this creditor as I've never resided at the address associated with this account.
04/05/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MD 21217	Web
I have an inaccurate account on my credit reports from a Fair Collections & Out Inc I called them and they keep giving me a number to call another collection agencies about the account but they stated the account is n't with their office
01/23/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30126	Web
This account is reporting on all XXXX of my credit bureaus and its not mine. Despite numerous attempts to contact them to get it removed they are still reporting it on my credit. This account is n't mine and I need it to be removed ASAP.
10/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90005	Web
I have received a collections notice on my credit report. I don't owe any money and this is the first time I'm hearing of this debt. I want this item removed from my credit report. Fair Credit and XXXX Amount {$10000.00} Account : XXXX
06/14/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 770XX	Web
This account was paid by my insurance, they keep insisting that I didnt pay. I had XXXX and was given a paper to sign right before I went into XXXX with a XXXX XXXX. This is not ethical or lawful for that matter and consider this fraud!
03/08/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	GA 30213	Web
Fair Collections & Outsourcing is reporting a eviction on my credit report for an apartment that I never lived in. I have a copy of the signed lease of my girlfriend at the time but I never signed anything or lived at the community
08/12/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IN 46123	Web
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
12/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 75248	Web
My former apartment complex is claiming I owe two months of rent. I abide to my lease and move out on my move out date. I do now owe them I have paid the amount I do owe. Collections can not find proof that I owe two months rent.
02/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34219	Web
This debt was not owed. This is a landlord tenant dispute and needs to go in front of a judge my security deposit was stolen and Im Owed money for repairs. This debt was removed from my husbands credit report because its fraud
11/12/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC 28213	Web
I moved out in XX/XX/2019. All rent was paid until XX/XX/2019. There should be no balance. I suffered a XXXX and they wouldn't let me move downstairs ( per doctor request ). So I had to move. All money was paid until XX/XX/2019.
09/13/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	GA 314XX	Web
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.
02/07/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60174	Web
This debt has been included in a bankruptcy. I contacted the original lender ( landlord ) and they have written off the debt. I am not now and have never been in a contract with FCO. Additionally FCO is not licensed in XXXX.
12/21/2022	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	MI 48141	Web
XXXX. XXXX, 2018 ( XXXX yrs, XXXX mos ) Account status Closed Type XXXX Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX THE XXXX Closed No Info
10/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	IL 601XX	Web	Servicemember
When I moved since I 'm XXXX and could n't take care of myself XXXX got it to where I could move out early I lost my pay and would n't be able to pay then after I move a year later they change mind and want all this money
12/19/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	PA 19139	Web
This account appears to be a charge off with a balance showing on my credit report in the amount of {$5400.00}. If it is a charge off, a dollar amount should not be showing. In addition, I have no knowledge of this debt.
06/04/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32250	Web
I do not own this account and was never notified by anyone until it showed up on my credit score. Terrible repeated phone calls to where i was forced to block their number. They need to take this off of my credit report.
01/29/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	VA 22309	Web
Account number : XXXX Fair collections and out 15 U.S.C 1681 Section 602A states i have a right to privacy 15 U.S.C Section 604A states a consumer reporting agency can not furnish account wihtout my written instructions
08/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30309	Web
Fair Collections & Outsourcing at XXXX XXXX XXXX XXXX, XXXX, MD XXXX is still reporting on my credit report and has been paid in full, the collection has been reported as paid off. Please see attached paid off notice.
05/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 190XX	Web	Older American
the Creditor XXXX XXXX XXXX XXXX XXXX Has been trying to collect {$3100.00}. from XXXX for unpaid rent for an apartment that my father had leased. My name is not on the renewal of the lease and I did not live there.
11/27/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	OK 731XX	Web	Older American
i got a call regarding debt owed for a rental agreement in XXXX georgia. i submitted proof that i have never been a resident at that address and copies of my prior identity theft information relative to that address
05/05/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 17601	Web	Servicemember
Fco is showing as delinquent account on my and my husband 's credit that are not our account but affecting ourcredit. I have contacted collections and credit bureaus with not assistance or resolution. Please assist.
09/02/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 94070	Web
Provide incorrect debt information to credit agencies despite emails, letter and documentation submitted to them. Ignoring and neglecting to respond to documentation and failure to perform proper debt verification.
08/24/2023	Yes	Debt collection Mortgage debt	Communication tactics Frequent or repeated calls	CO 80601	Web
Repeated daily calls on my primary phone which I get spam calls all day so I ignored all Called me on my work phone and spoofed their number to be called from my employer to get me to answer? Is that even allowed?
10/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92324	Web
I never had an account with this collector/creditor. I tried to contact them several times and ask for proof of ownership but they failed to send me necessary documentation to prove that I really own this account.
01/17/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MD 21117	Web
I called the collection agency and this debt was not able to verified accurately. They will not able to verify this debt. When I moved out I had no balance and I would like this debt removed from my credit report.
09/06/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	DC 20010	Web
I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
04/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL XXXXX	Web
FAIR COLLECTIONS AND OUTSOURCE is in violation of the FDCPA and FCRA after multiple attempts for them not removing the false account. I will seek litigation if this false account is not removed. See attached PDF.
08/24/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30080	Web
I sent a validation letter to the company, a month ago, to validate debt, in which they sent a lease and a rental amount owed that does not belong to me. I have not lived at the address they sent the lease for.
04/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90029	Web
Disputed and send police report and FTC complaint to the following companies they refuse to remove the invalid information I have filed an identity theft report on : Fair Collections and Outsourcing {$5400.00}
07/08/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 78741	Web
This collection company placed a collections account on my credit report without notifying or even validating this debt with me. I knew nothing of this until I saw it pop up on my report, I want this deleted.
10/17/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92109	Web
I have an outstanding collection of XXXX USD that is linked to my SSN with a balance date of XX/XX/XXXX. Lender is " XXXX XXXX XXXX XXXX XXXX '', date opened is XX/XX/XXXX, original creditor is the " XXXX ''
03/03/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92553	Web
I have contacted FCO - XX/XX/2020 XXXX XXXX XXXX {$190.00} Up till this date no contact in regards to the validation, open date/ close, no information I am a victim of identity theft with no correspondence.
08/18/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 94133	Web
I had an amount of {$430.00} that went into collections for a cleaning fee that I was not aware of after moving out of an apartment. I paid the debt, but am still facing the consequences on my credit report.
08/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33155	Web
I am a identity theft victim due to an XXXX credit breech. This mobile account was a result of identity theft it is unauthorized XXXX is the original creditor for this fraudulent account balance {$2100.00}.
06/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	MD 20747	Web
On my rental history, there is a collection account that I never opened I never rented with the promenade red apple town center, this is a fraudulent account that was open under my name, identity was stolen
04/30/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MD 206XX	Web	Servicemember
Entered into a settlement agreement. Paid the agreed amount for a promise to remove. Paid amount full. Received letter stating paid in full. FCO continues to report an outstanding balance that I do not owe.
05/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 631XX	Web
Pursuant to 18 USC 8, owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
03/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30004	Web
I do not have debt. I have paid all my bills. The debt that FCO ( Fair Collection & Outsourcing ) is trying to collect is fraudulent. I have paid all my rent and moved out of apartment with all bills paid.
08/27/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48198	Web
I have a debt reporting on my credit for an account that is not mines. I have no knowledge to where this debt originated from nor have I authorized anyone else on my behalf. This debt does not belong to me
11/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91316	Web
There is an account on my credit report that does not belong to me I have ID theft, I have written several letters to the collection agency and the bureaus and they have not removed this from my report.
04/26/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 208XX	Web
The amount was incorrect and my account was sold to a collection agency after the statue of limitations expired. once the credit bureau remove 's the debt from my credit report it keeps showing back up.
08/28/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NJ 085XX	Web
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
10/17/2020	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60640	Web
I got a notice from my bank that my credit score is being damaged because of a 'FAIR COLLECTIONS & OUT ' claim for around {$300.00}. I have no idea what it is for and think it is some kind of fraud.
08/19/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 14225	Web
This has never been my account! I am unfamiliar with this account. I have never entered into a contract using this account. Because this account is not mine, I should not be held responsible for it.
11/04/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AR 72211	Web
After multiple disputes, this company continues to falsely report that I owe them a debt. They have not responded to any disputes or sent anything in writing to confirm by debt with them wich is law
12/22/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 21045	Web
I have an outstanding debt from : XXXX XXXX for {$13000.00}. It appeared on/around XX/XX/2018. I have no knowledge of this debt. Ive requested to have this removed from my name with no response.
02/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	UT 84020	Web
Fair Collections & Outsourcing # XXXX is reporting a very old account to my credit report that needs to be removed. This is past the Nevada Statute of Limitations and I no longer owe this debt.
06/03/2016	Yes	Debt collection I do not know	False statements or representation Impersonated an attorney or official	NJ 08046	Web
This company has not provided any information that this is my debt. They keep sending notices, but have not proved that I 'm owner of this debt. Provide paperwork that I am the owner of this.
11/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33021	Web
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
05/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19131	Web
I have not supplied proof under The doctrine of estoppel by silence XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists
12/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AR 720XX	Web
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.
12/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	DC 20019	Web	Servicemember
Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have giving you written or unwritten verbal and nonverbal per 15 USC 6802.
12/06/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 94303	Web
Asked for Validation not verification. Validation was never received so this debt was never validated as belonging to me. Please remove this account from all 3 of my credit bureaus files.
04/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NC 28205	Web
I payed off my debt but its still on my credit this is the company name and number Fair Collections & Outsourcing account number XXXX Creditor : XXXX XXXX XXXX XXXX my name is XXXX XXXX
09/30/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	FL 34986	Web
I am not liable for the debt with XXXX at XXXX XXXX XXXX. I do not have contract with Fair Collections and Outsourcing Inc. They did not provide me with original contract as requested
04/07/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30324	Web
I have provided documentation to the credit bureaus and XXXX has not removed this debt after I have requested a letter of validity of the debt with Fair Collections with my signature
12/24/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MT 59601	Web
I WAS RELEASED FROM FINACIAL OBLIGATION FROM LEASE AT XXXX XXXX AS I MOVED OUT AND THEY ARE REFUSING TO ACKNOWLEDGE, THIS SHOULD BE COLLECTED BY OTHER PARTIES THAT WERE ON THE LEASE
02/04/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	GA 30127	Web
Per the CARES Act. The XXXX has announced that it will extend the moratorium until XX/XX/XXXX, XXXXCOVID-19 negatively affected me and could not pay rent. The company was informed.
06/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 12553	Web
This is not an account that should be on my report. I have never lived In This complex. I have been a victim of identity theft. and will be attaching an affidavit to this report.
01/07/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ XXXXX	Web
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA FAIR COLLECTIONS & OUTSOURCING are required to " ... promptly DELETE all information which can not be verified. ''
04/09/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 02302	Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
01/17/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 02021	Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
08/08/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 023XX	Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
05/23/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 02021	Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
01/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MA 02184	Web
I have sent out validation letters to verify the account in question on XX/XX/10 and didnt receive anything back. The debt is for {$2300.00} which I didnt give my consent for.
07/18/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	FL 33157	Web
The Company claimed that there was damages that was already there, on the day of move-in. The company made the debt the same amount as the deposit which I never received back
11/04/2016	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	CA 92124	Web	Servicemember
Moved out of apartment due to condition of carpet from previous owners having pets ... contacted management on several occasions and was told I could move without any penalty!
03/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MA 021XX	Web
I contacted the credit reporting agency because the collection amount is incorrect. I sent in receipts that should be credited towards the debt and was not given credit for.
11/29/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	NY 120XX	Web
They dare saying I owe XXXX out of nowhere from a place I dont live the credit is XXXX XXXX and out XXXX XXXX this debt is not mine someone used my info I live at if I sent
06/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 07111	Web
Fair collections and out is fraudulently reporting a collection on my credit profile after a full payment was made to XXXX XXXX which they failed to remove from my credit
04/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 08540	Web
Fair Collections & Outsourcing from XXXX, MD incorrectly reported information to XXXX that negatively impacted my credit application and needs to be rectified urgently.
09/28/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	IL 60605	Web
On both XX/XX/XXXX and XX/XX/2022, XXXX repetitively called me and left voicemails regarding an inaccurate debt. It is persistent, it is back to back. It is a constant.
06/11/2021	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive notice of right to dispute	TN 38016	Web
This account is passed the statue of limitations and it need to be deleted from my account immdeiately and this is extortion because its over the statue of limitations
06/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30281	Web
I have filed a dispute in regards to the incorrect items listed on my credit report. Its been well over 45days and I still have not received any investigation results.
05/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92672	Web
Sent letter trying to collect a debt they thought I was a cosigner on as reported by the real estate company. They did not confirm that I was not a responsible party
07/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30349	Web
I have called this company multiple times and have never received an answer. I have paid my collection in full and the account is closed and has been for over 2 years.
02/24/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MD 20874	Web
This debt needs to be taken off of my credit report and I have requested this multiple times with no success and they wont send me any verification this is my account.
09/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	NH 038XX	Web
I have contacted this company by mail numerous times requesting verification of debt or removal from my credit report. They have still not conformed and sent me proof.
02/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 46268	Web
This loan dose not belong to me and if this can be removed from my credit report i would appreciate if you can delete these items so i can further my family feature.
08/17/2018	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	TX 751XX	Web	Older American
You have 1 account in Collections Contact Information FAIR COLLECTIONS & OUT XXXX XXXX XXXX XXXX XX/XX/2016 - - XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX-XXXX
05/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33407	Web
I am not liable for this debt with XXXX and do not have a contract with FAIR COLLECTIONS & OUT. They did not provide me with the original application like i asked.
01/25/2023	Yes	Debt collection Other debt	Communication tactics Called before 8am or after 9pm	NC 27565	Web	Servicemember
This company called me numerous times before XXXX am and to XXXX XXXX were I had to block them. I do not owe these people money. I do not know who this company is.
12/14/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21215	Web
You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 611.
09/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 73110	Web	Servicemember
I've identified information on all my reports that are a result of identity theft. These items are not related to any transactions completed by me. See attached.
09/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 73110	Web	Servicemember
I've identified information on all my reports that are a result of identity theft, these items are not related to any transactions completed by me. SEE ATTACHED
11/27/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 20785	Web
debt reporting is invalid please remove immediately. Please send all ORIGINAL CONTRACTS and documents associated with that debt to validate it/DEBT VERIFICATION.
07/09/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 335XX	Web	Servicemember
Debt does not belong to me and after research I have found ( FCO ) Fair Collections and Outsourcing does not have License to collect in my state which is Florida
01/22/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NE 68137	Web
XXXX XXXX took me to XXXX and evicted me I did not know about the creditor until it was on my credit report they did not send me a letter or email or call me
11/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 32812	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.
10/23/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	CA 90016	Web
Account reported is inaccurate. Multiple disputes and furnisher will not update record. Balance and history incorrect. Account closed, balance {$0.00}, paid.
06/11/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30152	Web
I have no knowledge of these charges and haven't ever been notified of them. The charge appeared on my credit reports and I'm unaware of what they are for.
08/16/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32256	Web
I have paid this debt, I pressured/threatened to pay the amount and was promise once I paid it, it will be removed from my credit, it is still on my credit
05/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	MD 212XX	Web
I left because their was rodents and other insects in both places, that I made numerous complaints about. I do not owe any debts to any of these companies.
08/24/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	NV 89123	Web
Requesting original contract, creditor information, payment history and proof of ownership for the debt amount of {$2100.00} last reported XX/XX/2022 2022
12/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 32608	Web
Fair Collections And Out is inaccurate because this collection 's statute of limitation has passed. The statute of limitation in Florida is five years.
03/13/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MA 01843	Web
They ( the original creditors ) refused to provide the original resciepts for me to keep for my records and to make sure they are n't over charging me.
06/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 20720	Web
XX/XX/2020 {$830.00} Settlement was paid to FCO Requesting a deletion off all credit reports and a conformation email stating that this has been paid.
03/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 955XX	Web
The " verification '' they sent me does n't list my name anywhere. It only lists " XXXX XXXX '' on the bill, which is not my name and never has been.
08/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10704	Web
I have been disputing with Fair collections and Outsourcing & professional debt Me to remove a collection that they are reporting that is not me.
07/02/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29403	Web	Servicemember
I have never done any business with XXXX XXXX XXXX XXXX. The company is claiming that I owe money to them. I have never had an account with them.
08/02/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33155	Web
I am a victim of identity theft due to an XXXX credit breech. This account is unauthorized and fraudulent lease at XXXX at XXXX balance XXXX.
03/23/2021	Yes	Debt collection Other debt	Communication tactics Called before 8am or after 9pm	OR 978XX	Web
They call almost daily around XXXX XXXX. They have also called my parents landline, who I do not live with and whos phone number I do not use.
12/08/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MD 21220	Web
This debt was sold to a collection agency that is not licensed in maryland and should not be reporting to my credit. I am a Maryland resident.
02/09/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 60605	Web
Original debt owed for XXXX XXXX is : {$7800.00} Debt Collector Fair Collections & Out is trying to collect {$13000.00} Phone number XXXX
09/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MD 20602	Web	Servicemember
I have received several calls after this debt has been paid. Also ; I was told that the debt would be removed after the debt was settled.
05/02/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 770XX	Web
I do not owe anything to Fair Collections and Out nor have I agreed to anything or signed anything with this company reference any debt.
12/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CA 91354	Web	Servicemember
They call my phone numerous times between XXXX and XXXX. I have told them to stop calling and sending letters and they refuse to do so!
11/10/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
FAIR COLLECTIONS AND OUT is in violation cra inaccurate information put on my credit id theft and po report sent to all major company
05/08/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 20774	Web
They contacted me and identified the debt amounting to {$6400.00} and I never received information to verify and validate the debt.
09/10/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33351	Web
I recently reviewed my credit report collection agency saying I owe them debt when I dont they are also hurting my credit score.
05/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30080	Web	Servicemember
The company sent me a letter stating that even after I submitted the Identity theft report they are still reporting it as mine.
10/23/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33647	Web
Balance {$2500.00} Highest Balance {$2500.00} Opened XX/XX/2013 ( 6 yrs ) Collection account Original Creditor Name XXXX XXXX
08/24/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89123	Web
Requesting original contract, creditor information, payment history and proof of ownership for the debt amount of {$1000.00}
01/25/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL XXXXX	Web
The organization kept on coy tellme that I need to pay them at a certain time when I finance could not this was 4+ years ago
12/06/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94303	Web
Never sent me validation that I owe this debt. Only a copy of lease and keeps reporting it as negative on my credit reports.
09/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	GA 30281	Web
XXXX agreed to remove the entire account, after the payment was received. The account is still showing on my credit report.
12/12/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 17601	Web	Servicemember
Submitting proof of residency again for fraudulent accounts XXXX XXXX XXXX to be reviewed and removed from XXXX and XXXX.
08/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 91406	Web
I am being collected upon for charges that have already been paid, as well as for charges that are not my responsibility.
12/20/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89002	Web
An account was sent to collection in my name with fraudulent charges at at time when I was a victim of identity theft.
08/02/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MS 392XX	Web
My debt of {$1500.00} was sold to another company, in which I have no contract with. My current balance is {$1800.00}.
01/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NC 27705	Web
Statute of limitations has expired. Collection is seven years old and should be removed from the report at this time.
10/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IN 46038	Web
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.
10/19/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 20707	Web
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.
03/01/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33312	Web
Im not sure what to say about this one. I have no idea what this is. I thought I knew wat place this was but I dont.
02/04/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	NC 28208	Web
I never signed a lease with XXXX and they placed a debt of $ XXXXfor a place i did not fill out an application for.
12/12/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 17601	Web	Servicemember
Submitting proof of residency for fraudulent accounts FCO XXXX XXXX to be reviewed and removed from XXXX and XXXX.
02/24/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NV 89147	Web
I do not owe this company a dime, I have disputed and requested validation and nothing has arrived. Please help me
10/06/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NV 89183	Web
I did not receive notification of debt. Debt is listed for {$6000.00} and has been place on all 3 credit bureaus.
04/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MD 21220	Web
please see attached, the complex had my info that I lost my XXXX job and need to moved because of the hardship
05/20/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 73401	Web
XXXX XXXX XXXX XXXX is reporting fraudulent and inaccurate information... violating my consumer rights!
06/18/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60517	Web
The application does not have my signature and there this should not be reflecting on my credit.
07/06/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33860	Web
I do not owe a debt with this company. I have disputed and requested validation and nothing.
11/19/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19121	Web
FAIR COLLECTION & XXXX XXXX XXXX XXXXCFPB Complaint XXXX proof of address and proof of bill
05/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AZ 85201	Web	Older American, Servicemember
Incorrectly verified false information, negative information remains on my Credit Reports.
04/09/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 95210	Web
The Collections account was paid in full and has not been removed from my credit report.
01/29/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NV XXXXX	Web	Servicemember
No idea where the debt came from, will not stop harassing old employers or parents.
10/25/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX XXXXX	Web
cra violation and hippa inaccurate information id theft victim XXXX XXXX XXXX XXXX
08/26/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	KY 40291	Web
I contacted the company they refused to validate the debt, or remove the item.
09/03/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33025	Web
The debt is 7 years old they keep reporting that account to the credit bureu.
03/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28314	Web	Servicemember
XXXX XX/XX/2022 unlawfully obtain money, fraudulent use of my credit report
12/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	PA 19013	Web
Never Made Purchase, I have no idea what this I want it removed immediately
05/23/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MA 01757	Web
I have sent debt validation letters and never received validation of debt.
10/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MS 386XX	Web
I have never done business with FAIR COLLECTIONS & OUTSOURCING , INC .
10/19/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33611	Web
I have no knowledge of this debt. Please delete from my credit report.
05/09/2018	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	NJ XXXXX	Web
XXXX XX/XX/2017 a collection appeared on my report. its not mines.
04/25/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33610	Web
this company has an account on my credit report thats not mine.
05/12/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33612	Web
accounts on my accounts on my credit reports thats not mine.
07/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75032	Web
I am no longer disputing XXXXair Collection and Outsourcing.
12/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85282	Web
I do not recall pulling my credit this year. Please remove
07/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75032	Web
I am no longer disputing Fair Collection and Outsourcing.
06/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	MD 21811	Web
The eviction was dismissed The amount owed is incorrect
08/10/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 601XX	Web
Continual harassment on my cell phone daily
04/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MD 20746	Web
Apartment I lease was ended due to bed bugs
03/24/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33426	Web
I do not owe nor is aware of this debt.
04/28/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30127	Web
The amount show on my credit is wrong
12/16/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33179	Web
I have no knowledge of this debt
01/29/2024	Yes	Debt collection Rental debt	Written notification about debt Didn't receive notice of right to dispute	GA 30016	Web

01/26/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MA 02125	Web	Servicemember

01/23/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 22406	Web

01/22/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85283	Web

01/22/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	PA 19050	Web

01/20/2024	Yes	Debt collection I do not know	Electronic communications Frequent or repeated messages	SD 570XX	Web

01/19/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70520	Web

01/18/2024	Yes	Debt collection Rental debt	Communication tactics You told them to stop contacting you, but they keep trying	DC 20002	Web

01/18/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92584	Web

01/18/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30035	Web

01/18/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	CT 06511	Web

01/18/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	VA 23009	Phone

01/17/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95864	Web

01/16/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AR 72209	Web

01/16/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	FL 33428	Web

01/15/2024	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	NC 28079	Web

01/13/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33025	Web

01/12/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31322	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 22150	Web

01/10/2024	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	IL 60559	Web

01/08/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75025	Web

01/08/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95630	Web

01/06/2024	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	FL 33617	Web

01/04/2024	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	MI 48093	Web

01/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33441	Web

01/03/2024	Yes	Debt collection Rental debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 48227	Web

01/03/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	CA 90813	Web

01/02/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75482	Web

01/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33321	Web

12/27/2023	Yes	Debt collection Rental debt	Communication tactics Frequent or repeated calls	LA 70058	Web

12/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75025	Web	Older American

12/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89115	Web

12/21/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive notice of right to dispute	FL 33067	Phone	Servicemember

12/21/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	IL 60614	Web

12/21/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	VA 23455	Web	Servicemember

12/20/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	DC 20003	Web

12/19/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	TX 77082	Web

12/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33162	Web

12/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30030	Web

12/16/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	MD 21229	Web

12/14/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	NC 27597	Web

12/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	MD 20878	Web

12/13/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	NH 03038	Web

12/11/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	VA 22209	Web

12/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33573	Web

12/07/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	DC 20002	Web

12/04/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77662	Web

12/04/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10980	Web

12/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48228	Web

12/04/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	NV 89119	Web

11/29/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	WI 53718	Phone

11/22/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	CA 90212	Web

11/22/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	MI 48186	Web

11/17/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78660	Web

11/13/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	MN 55114	Web

11/11/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	PA 18011	Web

11/11/2023	Yes	Debt collection Rental debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AR 72023	Web

11/07/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	TX 75126	Web

11/03/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	NY 10027	Web

11/02/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60586	Web

11/02/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91607	Web

11/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MA 02149	Web

11/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77662	Web

11/01/2023	Yes	Credit card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	XXXXX	Web

11/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33179	Web

11/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33025	Web

10/31/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19121	Web

10/30/2023	Yes	Debt collection Rental debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 28412	Phone	Older American

10/30/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive notice of right to dispute	VA 22030	Web

10/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92626	Web

10/30/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	MA 01089	Web

10/27/2023	Yes	Debt collection Rental debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	MD 20712	Web

10/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AR 72206	Web

10/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	KS 67846	Web

10/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29847	Web

10/24/2023	Yes	Credit card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	XXXXX	Web

10/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77082	Web

10/18/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75024	Referral

10/17/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	MD 20748	Web

10/17/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	GA 30350	Web	Servicemember

10/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 61107	Web

10/13/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	CA 90048	Web

10/11/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	CA 90069	Web

10/11/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	CA 90069	Web

10/10/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	GA 30132	Web

10/10/2023	Yes	Debt collection Rental debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 19132	Web

10/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33311	Web

10/10/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	NY 12180	Phone

10/08/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	NC 28655	Web

10/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20706	Web

10/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11223	Web

10/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	FL 33025	Web

10/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 91730	Web

10/02/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 92801	Web

09/29/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	MA 02122	Phone	Servicemember

09/29/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	NJ 08003	Web

09/29/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	NH 03588	Web

09/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33179	Web

09/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29466	Web

09/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21220	Web

09/25/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	AL 35126	Web

09/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 91730	Web

09/22/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	TX 76133	Web

09/21/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 20712	Web

09/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	MS 38672	Web

09/20/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	NC 27597	Web

09/19/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	KY 40216	Web

09/19/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	MA 02062	Web

09/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89123	Web

09/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KS 67207	Web

09/18/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	FL 34983	Web

09/18/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	MI 48335	Web

09/15/2023	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10977	Web

09/13/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	FL 33141	Web

09/12/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	CA 90744	Web

09/11/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	LA 70785	Web

09/07/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	OH 44120	Web

09/07/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	WA 98125	Web	Servicemember

09/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91730	Web

08/31/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 79745	Web

08/29/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	CA 90305	Web

08/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KS 67207	Web

08/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 17109	Web

08/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21613	Web

08/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KS 67207	Web

08/12/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77306	Web	Servicemember

08/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	GA 30701	Web

08/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MI 48230	Web

08/07/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30326	Web

08/07/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78665	Web

08/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32904	Web

08/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77090	Web

07/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30083	Web

07/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KS 67207	Web

07/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30305	Web

07/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30062	Web

07/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32835	Web

07/19/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33312	Web

07/19/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AR 72145	Web	Servicemember

07/19/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75208	Web

07/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77092	Web

07/18/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33312	Web

07/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 23606	Web

07/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 32217	Web

07/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 76513	Web

07/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75023	Web

07/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32714	Web

07/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30316	Web

07/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30062	Web

07/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60056	Web

07/07/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 91106	Web

07/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29418	Web

07/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70785	Web

07/04/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33312	Web

07/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 21223	Web

07/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MI 48230	Web

07/01/2023	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33338	Web

06/30/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32811	Web

06/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33016	Web

06/24/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60056	Web

06/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	KS 67846	Web

06/23/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	NJ 07020	Web

06/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 20748	Web

06/22/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MN 55403	Web

06/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20748	Web

06/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90802	Web

06/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21223	Web

06/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30344	Web

06/16/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TN 37075	Web

06/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32811	Web

06/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	DE 19977	Web	Servicemember

06/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38125	Web

06/02/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30281	Web	Servicemember

06/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32811	Web

05/30/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	FL 33181	Web

05/26/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10029	Web

05/26/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 07001	Web

05/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	OH 44113	Web

05/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21230	Web

05/22/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34471	Web

05/22/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30297	Phone

05/22/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 90046	Web

05/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19138	Web

05/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 46280	Web

05/19/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 11101	Web

05/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60056	Web

05/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 22079	Web

05/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 38671	Web

05/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34945	Web

05/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19036	Web

05/11/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77584	Web

05/07/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33181	Web

05/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10977	Web

05/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 75063	Phone

05/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21230	Web

05/03/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76017	Web

05/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11377	Web

05/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32829	Web

05/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28205	Web

04/30/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32217	Web

04/28/2023	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NY 10029	Web

04/28/2023	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 91203	Web

04/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MD 20639	Web

04/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92612	Web

04/21/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34772	Web

04/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	NV 89147	Web	Older American

04/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48174	Web

04/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19138	Web

04/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78251	Web

04/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	GA 30075	Web

04/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 22191	Web

04/17/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 76022	Web

04/16/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30506	Web

04/11/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MD 21230	Web

04/09/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MI 49422	Web

04/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19145	Web

04/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 01970	Web

04/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75201	Web

04/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 17109	Web

04/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33193	Web

03/30/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90024	Phone

03/29/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MI 48187	Web

03/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21230	Web

03/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 20772	Web

03/22/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92612	Web

03/21/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MI 48081	Web

03/20/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	VA 23223	Web

03/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	FL 33304	Web

03/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92105	Web

03/15/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 90024	Phone

03/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19138	Web

03/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MA 01852	Web

03/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 45416	Web

03/09/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 21236	Web

03/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20874	Phone

03/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89115	Web

03/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75204	Web

03/05/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 75204	Web

03/04/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NV 89074	Web	Servicemember

02/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07101	Web

02/24/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92105	Web

02/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92612	Web

02/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32963	Web

02/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NH 03060	Web

02/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33141	Web

02/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78237	Web

02/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 02124	Phone	Servicemember

02/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76502	Web

02/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19145	Web

02/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94559	Web

02/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 20910	Web

02/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19129	Web

01/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19135	Web

01/28/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MI 48026	Web

01/28/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MS 38672	Web

01/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NV 89509	Web

01/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NV 89509	Web

01/25/2023	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	TX 78756	Web

01/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OK 73110	Web

01/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33626	Web

01/18/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TN 37087	Web

01/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77057	Web

01/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95209	Web

01/18/2023	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	FL 33545	Web

01/17/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77057	Web

01/17/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	AR 72034	Web

01/16/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	DC 20017	Web

01/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91367	Postal mail

01/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 24277	Web

01/08/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 37160	Web	Servicemember

01/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OH 43232	Web	Servicemember

01/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30326	Web

01/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	VA 20147	Web

12/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	DC 20009	Web

12/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 77092	Web

12/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33404	Phone

12/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 07403	Web

12/20/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 21740	Phone

12/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32217	Web

12/14/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 08004	Web

12/12/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 30308	Web

12/08/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07836	Web

12/06/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33511	Web

12/06/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11501	Web

12/05/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60647	Web

12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78626	Web

12/01/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07105	Web

11/30/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 91506	Web	Servicemember

11/29/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32217	Web

11/29/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27616	Web

11/27/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NV 89119	Web

11/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	FL 33446	Web

11/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30058	Postal mail

11/23/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30705	Phone

11/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD 21136	Web

11/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 47441	Phone

11/20/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32963	Web

11/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90028	Web

11/19/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 43123	Web

11/18/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 20166	Web

11/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NC 27892	Web	Servicemember

11/14/2022	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	IL 60628	Web

11/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60449	Web

11/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77566	Web

11/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07065	Web	Servicemember

11/02/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33180	Web

11/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75219	Web

10/31/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OH 43230	Web

10/25/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75287	Web

10/21/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	CT 06706	Web

10/20/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60449	Web

10/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48103	Web

10/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	UT 84660	Web

10/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20770	Web

10/07/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30328	Web

10/04/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 20770	Web

09/30/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 27892	Web	Servicemember

09/29/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11520	Web

09/27/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	VA 22407	Web

09/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 39328	Web	Servicemember

09/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 39328	Web	Servicemember

09/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CO 80021	Web

09/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 27705	Web

09/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD XXXXX	Web

08/31/2022	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	MD 20903	Web

08/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76022	Web

08/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30047	Web

08/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19121	Web

08/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	TX 77084	Web

08/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21207	Phone

08/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48239	Web

08/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32210	Web

08/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30605	Web

08/01/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30126	Web

07/29/2022	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77354	Postal mail

07/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90024	Web	Servicemember

07/27/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07069	Web

07/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33428	Web

07/22/2022	No	Debt collection Other debt	Communication tactics Frequent or repeated calls	DC 20002	Web

07/19/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 21231	Web

07/12/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	DC 20002	Web

07/08/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32825	Web

07/07/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 21113	Web

07/07/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MN 55075	Web

07/03/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44113	Web

06/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44113	Web

06/22/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77320	Web

06/21/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90014	Web

06/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21220	Web

06/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DC 20010	Web

06/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77090	Web

06/13/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	DC 20020	Referral

06/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	TX 77090	Web

06/03/2022	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 92394	Phone

06/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33545	Web

05/31/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30318	Web

05/26/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90014	Web

05/24/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WY 82072	Phone

05/20/2022	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 17104	Web

05/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93021	Web

05/18/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33020	Web

05/15/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OH 44313	Web

05/15/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OH 44313	Web

05/15/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 21014	Web

05/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	DC 20002	Phone

05/02/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60076	Web

04/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90014	Web

04/28/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	MI 48237	Phone

04/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30080	Web

04/26/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	NH 03108	Referral

04/24/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 78704	Web	Servicemember

04/16/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC XXXXX	Web

04/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32169	Web

04/13/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	DC 20011	Web

04/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75060	Web

04/08/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33534	Web

04/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30342	Web	Servicemember

04/06/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30519	Web

03/31/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TN 38127	Web

03/30/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33534	Web

03/30/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30122	Web

03/29/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30312	Web

03/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75063	Web	Servicemember

03/25/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33534	Web

03/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 77375	Web

03/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	TX 77063	Web	Older American

03/23/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92832	Web

03/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19540	Referral

03/22/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 77063	Web	Older American

03/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33178	Web

03/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 21229	Web

03/14/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60504	Postal mail

03/14/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30308	Phone

03/14/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 75228	Postal mail

03/11/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28115	Web

03/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33534	Web

03/04/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33534	Web

03/02/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 43231	Phone

03/02/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20745	Web

03/02/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20785	Web

03/01/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30324	Web

02/27/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	IL 60153	Web

02/26/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	DE 19701	Web

02/24/2022	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	TX 76155	Web

02/22/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33534	Web

02/22/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33534	Web

02/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	FL 33534	Web

02/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60504	Referral

02/14/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD 20721	Web

02/10/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07094	Web

02/09/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11201	Web

02/07/2022	No	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	IL 60624	Web

02/07/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75165	Web

02/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92337	Web

01/31/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21117	Web

01/30/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 75070	Web

01/28/2022	No	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate	FL 33534	Web

01/21/2022	No	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07094	Web

01/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 34674	Phone

01/19/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 07094	Web

01/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 34953	Web

01/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60611	Web

01/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KY 40299	Web

01/02/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 90302	Web

12/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20721	Web	Servicemember

12/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33069	Web

12/13/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	GA 30268	Web

12/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77590	Web

12/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60605	Web

12/06/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30309	Web

11/30/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30318	Web

11/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	PA 17104	Web

11/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75035	Web

11/19/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 44113	Web

11/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92337	Web

11/18/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 76133	Phone

11/17/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	DC 20001	Web

11/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38119	Web

11/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 10923	Web

11/11/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29485	Web

11/06/2021	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	IL 60624	Web

10/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27217	Web

10/21/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30319	Web

10/19/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 23320	Web

10/18/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	GA 30319	Web

10/13/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 38654	Web

10/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21117	Web

10/06/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33967	Web

10/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92705	Web

10/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 19054	Web

10/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33309	Web

09/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78633	Phone

09/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92103	Web

09/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75218	Web

09/29/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 23320	Web

09/29/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29485	Web

09/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28271	Web

09/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10069	Web

09/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77433	Web

09/21/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MD 20706	Web

09/18/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	DC 20001	Web

09/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77433	Web

09/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 45015	Web

09/02/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77094	Web

09/01/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	VA 22314	Web

08/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08854	Web

08/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 19119	Web

08/25/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60615	Web

08/25/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60440	Web

08/24/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85053	Web

08/23/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount		Phone

08/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 90028	Phone	Servicemember

08/22/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30350	Web

08/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33713	Web

08/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20785	Web

08/13/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33472	Web

08/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30281	Web

08/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21703	Web

08/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 19139	Web

08/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10312	Web

07/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	PA 19119	Web

07/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 27717	Web

07/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33137	Web

07/26/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29483	Web

07/24/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77379	Web	Servicemember

07/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89146	Web

07/21/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 34243	Web

07/20/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 37066	Web

07/20/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 37066	Web

07/19/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 19139	Web

07/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92337	Web

07/15/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60031	Web

07/13/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MA 02135	Web

07/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75202	Web

07/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	NY 11201	Web

07/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 22204	Web	Servicemember

07/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89178	Web

07/08/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	DE 19904	Web

07/02/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20747	Web

06/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33470	Web

06/25/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 95126	Web

06/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33467	Web

06/23/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 20785	Web

06/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77000	Web

06/18/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	PA 17356	Web

06/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NJ 07111	Web

06/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	PA 19119	Web

06/10/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 95126	Web

06/10/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	DE 19810	Web

06/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30281	Web

06/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32169	Web

06/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30047	Phone

05/26/2021	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	AZ 85201	Web	Older American, Servicemember

05/26/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CT 06457	Phone

05/25/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TN 37405	Phone

05/24/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77045	Web

05/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77386	Web

05/23/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08005	Web

05/20/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 78741	Web

05/17/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33812	Web

05/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75219	Web

05/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30321	Phone

05/14/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IL 60163	Web

05/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 22408	Web

05/07/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	DE 19720	Web

05/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91402	Web

05/05/2021	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30135	Web

05/05/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IL 62269	Web

04/29/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	DC 20010	Web

04/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08902	Web

04/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 92407	Web

04/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NV 89148	Web

04/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 20190	Web

04/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	NV 89128	Web

03/26/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OH 44313	Web

03/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20713	Web

03/23/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77340	Web	Servicemember

03/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32726	Web

03/22/2021	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	TX 75056	Web

03/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MD 20721	Web

03/17/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90503	Web

03/16/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 12203	Web

03/11/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt		Phone

03/08/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60462	Web

03/03/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89014	Web

03/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92647	Web	Older American

02/19/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MN 56301	Web

02/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76065	Web

02/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30043	Web

02/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27529	Web

02/12/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30044	Web

02/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19401	Web

02/01/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 21029	Web

01/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AR 72417	Web

01/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20785	Web

01/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NV 89149	Web

01/22/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 34711	Web	Older American

01/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11550	Web

01/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20854	Web

01/13/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 11550	Web

01/05/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 34103	Web

12/21/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11510	Fax

12/18/2020	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	GA 30549	Web

12/14/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 78666	Referral

12/07/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19468	Web

12/01/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 10566	Postal mail

11/30/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77045	Web

11/26/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 75137	Web

11/23/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 37211	Fax

11/20/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30907	Web

11/18/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33441	Fax

11/17/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 12009	Web

11/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90802	Web

11/13/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07721	Fax

11/12/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CO 80906	Web

11/06/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33185	Referral

11/05/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 22041	Fax

11/04/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 10517	Postal mail

10/30/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NC 27104	Web

10/29/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	RI 02909	Phone

10/29/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 20878	Fax

10/27/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 23517	Phone

10/23/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 60164	Web

10/23/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60101	Web

10/21/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NV 89144	Web

10/19/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90012	Web

10/19/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 02452	Web

10/14/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	DC 20011	Web

10/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AR 72417	Web

10/07/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90016	Web

10/06/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	DC 20019	Web

09/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33025	Web

09/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77090	Web

09/18/2020	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85308	Web

09/16/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30094	Web	Servicemember

08/28/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 765XX	Web

08/28/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC 28546	Web

08/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33025	Web

08/26/2020	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MD 21236	Web

08/26/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32725	Web

08/24/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 93458	Web

08/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 11422	Phone

08/22/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78747	Web

08/20/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20705	Web

08/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76108	Web

08/10/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76643	Web

08/03/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 08003	Web

08/03/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 21202	Web

07/31/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21214	Web

07/22/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	DC 20019	Web	Servicemember

07/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33432	Fax

07/19/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32607	Web

07/16/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60609	Web

07/16/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD 21918	Web

07/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 93060	Web	Servicemember

07/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38119	Web

07/02/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77021	Web

06/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98444	Web

06/09/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90630	Web

06/08/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33132	Web

06/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85382	Web

06/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38119	Web

06/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32832	Postal mail

05/26/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Fax

05/13/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90706	Postal mail

05/12/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	WA 98003	Web

05/12/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Phone

05/06/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94509	Web

05/01/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI 48313	Postal mail

04/30/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 94070	Web

04/07/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 33138	Web

04/03/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 76643	Web

04/03/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33330	Web

03/25/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 23188	Web

03/19/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OK 74105	Web

03/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33161	Web	Servicemember

02/25/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AL 35758	Web

02/21/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 21122	Web	Older American

02/20/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33009	Web

02/17/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30324	Web

02/06/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MI 48340	Web

01/23/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AR 72223	Phone

01/21/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	DC 20003	Web

01/21/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 21203	Web

01/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92606	Web

01/10/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75137	Web

01/08/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	IL 60603	Web

01/05/2020	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30288	Web

01/02/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MD 21239	Web	Servicemember

12/31/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 76011	Web	Servicemember

12/31/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76011	Web	Servicemember

12/27/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	DE 19809	Web

12/21/2019	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	FL 33908	Web

12/20/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CT 06706	Web

12/18/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30917	Postal mail

12/13/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90028	Web

12/11/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MN 55304	Web

11/24/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33068	Web

11/14/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 28056	Web

11/12/2019	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted your employer	VA 22313	Web

11/07/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32725	Postal mail

11/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WA 98056	Web

10/15/2019	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 17111	Web

10/05/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78665	Web

09/24/2019	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	FL 33594	Web

09/21/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 94526	Web

09/16/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MS 38671	Web	Servicemember

09/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 20910	Web

09/05/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MS 39043	Web

09/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 22152	Web

08/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90405	Web

08/28/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60527	Web

08/21/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 91304	Web

08/21/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 91304	Web

08/13/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 78108	Web

07/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate	XXXXX	Web

07/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	DC 20020	Postal mail

07/08/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30075	Web

07/01/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MA 01002	Web

06/29/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 20772	Web

06/28/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33131	Web	Servicemember

06/27/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91307	Web

06/25/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76126	Web

06/24/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20854	Phone

06/20/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 10016	Web

06/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 79416	Web

05/31/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NM 87106	Web

05/31/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91203	Web

05/27/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 91302	Web

05/22/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91316	Web

05/20/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89074	Web

05/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29306	Postal mail

05/14/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 95678	Web	Servicemember

05/12/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98057	Web

05/06/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	SC 29071	Web

05/02/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 20772	Web

05/02/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 20772	Web

05/02/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 20772	Web

04/25/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30350	Referral

04/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 196XX	Web

04/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	NE 68134	Web

04/16/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 20850	Web

04/14/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CT 06516	Web

04/14/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	DC 20019	Web

04/11/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07052	Web

04/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	DC 20032	Web

03/26/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 08096	Web

03/26/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 02368	Web

03/26/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 95901	Web

03/25/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60612	Web

03/20/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid		Phone

02/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48864	Web	Servicemember

02/20/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21221	Web

02/17/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38018	Web

02/13/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NJ 07950	Web	Servicemember

02/05/2019	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CO 80504	Web

02/03/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AP 96601	Web	Servicemember

01/30/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32832	Web

01/26/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32119	Web

01/24/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29571	Web

01/20/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 49509	Web

01/08/2019	Yes	Debt collection Mortgage debt	Communication tactics Frequent or repeated calls	PA 17055	Web

01/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	DC 20032	Web

01/03/2019	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 33647	Web

12/25/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30022	Web

12/12/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 27502	Web

12/11/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60411	Web

12/04/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 75115	Web

11/28/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 17602	Web

11/26/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60560	Web

11/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	CA 91401	Web

10/30/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75063	Web

10/24/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70114	Web

10/23/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	MD 20910	Web

10/23/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	CA 91401	Web

10/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21234	Web

10/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11432	Web

10/09/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 75115	Web

10/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32806	Web

10/04/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92233	Postal mail

10/02/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33137	Postal mail

09/28/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78725	Web

09/27/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75032	Web

09/20/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60085	Web

09/18/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33313	Web

09/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75409	Web