CFPB Complaint

FAIR COLLECTIONS & OUTSOURCING, INC. – CFPB Complaint ID 2874750

Consumer Complaint Submission

Date Received: 2018-04-13T00:00:00

Product: I do not know

Issue: Written notification about debt

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: 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.

Company: FAIR COLLECTIONS & OUTSOURCING, INC.

State/Zip: MI 495XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2874750

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In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.

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