A
Anonymous
Public complaint
Attempts to collect debt not owed: Debt collection
This company is trying to collect a debt that I don't owe them. It's negatively affecting my credit report.
Reviews
9
Average
1/5
Response rate
0%
Resolution rate
0%
Reviews
9
Average
Response rate
0%
Resolution rate
0%
Anonymous
This company is trying to collect a debt that I don't owe them. It's negatively affecting my credit report.
Anonymous
I have never rented an apartment ; I have owned my home since 2015, someone us emy infomation to open accounts
Anonymous
Issue : Debt Collection I am filing this complaint regarding Fair Collections & Outsourcings ( FCO ) attempt to collect an alleged $91.00 electric utility debt that I was never made aware of until more than one year after I had vacated my apartment. I moved out of the apartment approximately three years ago. At the time I vacated the property, I was never provided with a final utility bill, notice of an outstanding balance, or any communication indicating that I owed money to the utility provider. Had I been notified of a legitimate balance, I would have promptly paid a $91.00 obligation and avoided any collection activity. Instead, my first notice of this alleged debt came more than a year after I had already moved out, when I was informed that the account had been placed with a third-party debt collector. As a result, I was deprived of a reasonable opportunity to review, verify, or resolve the alleged balance directly with the original creditor before it was referred to collections. To date, I have not been provided with documentation demonstrating that I was properly billed for this alleged balance before the account was referred for collection. I have not received the original utility bill, an itemized account statement, or documentation showing when and how the original creditor attempted to notify me of the alleged debt. Consumers should receive timely notice of any outstanding balance and be given a fair opportunity to resolve it before being subjected to third-party collection efforts. In this case, that did not occur. The lack of timely notice prevented me from addressing the matter when it could have been resolved quickly and without unnecessary collection activity. Given that I was not informed of this alleged debt until more than a year after vacating the property, I believe it is unfair and unreasonable to pursue collection under these circumstances. I respectfully request that the CFPB review this matter and require Fair Collections & Outsourcing to provide an appropriate resolution consistent with applicable consumer protection laws.
Read full reviewAnonymous
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't 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. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.
Anonymous
I am requesting a complete investigation and verification of all reported information, including the account balance, account status, dates reported, and accuracy of the collection details. If the information can not be verified as accurate and complete, please remove the account from my credit report.
Anonymous
I am filing this complaint because Fair Collections & Out continues to report and collect a debt that I have repeatedly asked them to explain and validate. The account is being reported for $2900.00. After I disputed the account, I requested documents showing how this balance was calculated. I specifically asked for an itemized statement, account ledger, move-out statement, payment history, and any records supporting the amount they claim I owe. The only documents I received were a copy of the lease agreement and a statement showing the balance. I was not provided with any breakdown of charges, any accounting of the balance, or any documents showing how they arrived at $2900.00. I moved out when my lease ended. I never received a final accounting, move-out statement, or any explanation from the apartment management regarding an alleged balance. The first time I became aware of this debt was when it was sent to collections. What concerns me most is that the company continues to verify the account as accurate with the credit bureaus even though they have never provided documentation showing how the balance was calculated. If the debt is valid, I am simply asking for the records that support it. If they verified the account with the credit bureaus, they should be able to provide the documentation they relied upon when doing so.
Read full reviewAnonymous
Pursuant to 15 U.S.C. 1681s-2 ( b ), I dispute the accuracy and completeness of the collections being reported on my credit file. Upon receiving notice of this dispute, the furnisher is required to conduct a reasonable investigation, review all relevant information, and report accurate results to the consumer reporting agencies.
Anonymous
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Read full reviewAnonymous
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't 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. They didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. This situation has caused me significant stress and anxiety, affecting my mental health and overall well-being. It has been frustrating and emotionally draining to deal with an account that I do not believe has been properly validated. I demand this account be taken off immediately.
Read full review