CFPB Complaint

FAIR COLLECTIONS & OUTSOURCING, INC. – CFPB Complaint ID 2885305

Consumer Complaint Submission

Date Received: 2018-04-24T00:00:00

Product: Other debt

Issue: Written notification about debt

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: 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The so called debt with withdrawn in XXXX XXXX New York Court.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

Company: FAIR COLLECTIONS & OUTSOURCING, INC.

State/Zip: NY 117XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2885305

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Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.

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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