Debt collection -- False statements or representation -- Complaint #18046100
Complaint Overview
Complaint ID: 18046100
Company: Fair Collections & Outsourcing, INC.
Product: Debt collection
Sub-Product: I do not know
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Texas
ZIP Code: XXXXX
Date Received: 2025-12-01T12:00:00-05:00
Date Sent to Company: 2025-12-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
The companys response still does not satisfy FDCPA 1692g ( b ) validation requirements or Texas state law. They claim the Statement of Deposit was processed on XX/XX/year> and would have been sent, but they provided no proof it was actually mailed, received, or compliant with Texas Property Code 92.104. Under Texas law, the landlord must provide a copy of the itemized deposit letter and proof of mailing within 30 days. None was provided. No final itemized statement, inspection report, photos, repair invoices, or documentation supporting any charges were provided. Their explanation of accelerated rent violates Texas Property Code 91.006, which requires landlords to mitigate damages and provide documentation of re-rental, new rental rate, vacancy days, and exact calculation. They provided no documentation only unsupported statements. A ledger and a narrative explanation are not legal validation under FDCPA or case law ( XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ). The debt remains unvalidated, and continuing to report it violates FDCPA 1692g ( b ), FDCPA 1692e ( 8 ), and FCRA 623 ( a ) ( 3 ). I request supervisory escalation and deletion of the account due to continued failure to validate while engaging in collection and credit reporting.
Frequently Asked Questions
What is Complaint #18046100 about?
Complaint #18046100 was filed against Fair Collections & Outsourcing, INC. regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-12-01T12:00:00-05:00.
How did Fair Collections & Outsourcing, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Fair Collections & Outsourcing, INC.?
Yes, visit the Fair Collections & Outsourcing, INC. company profile at readthecomplaint.com/company/fair-collections-outsourcing-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.