Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18263303
Complaint Overview
Complaint ID: 18263303
Company: Fair Collections & Outsourcing, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: California
ZIP Code: 94609
Date Received: 2025-12-23T12:00:00-05:00
Date Sent to Company: 2025-12-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I am disputing a collection account being reported by FCO as inaccurate and misleading under the Fair Credit Reporting Act. The original creditor ( XXXX XXXX / XXXX XXXX XXXX ) has confirmed in writing that the alleged balance of {$510.00} does not arise from unpaid rent or utilities, but solely from cleaning and painting charges assessed at move-out. These charges constitute ordinary wear and tear and routine turnover costs. No excessive damage, negligence, or abnormal use has been alleged or documented. The move-out inspection materials reflect cosmetic wear only. Despite this, FCO is reporting the account as a valid collection debt, which is materially inaccurate. A balance derived entirely from non-collectible wear-and-tear charges can not be reported as a lawful obligation. I previously disputed this account, but it remains reported without lawful substantiation.
Frequently Asked Questions
What is Complaint #18263303 about?
Complaint #18263303 was filed against Fair Collections & Outsourcing, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-12-23T12:00:00-05:00.
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 (Credit reporting or other personal consumer reports) 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.