Anonymous
Written notification about debt: Debt collection
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.
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