What is the most common complaint against Fair Collections & Outsourcing, Inc.?

The most common issue consumers report about Fair Collections & Outsourcing, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 4,832 complaints filed with the CFPB.

Are complaints against Fair Collections & Outsourcing, Inc. increasing or decreasing?

Complaints against Fair Collections & Outsourcing, Inc. are rising. The company received 1,483 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Fair Collections & Outsourcing, Inc.'s reputation grade?

Fair Collections & Outsourcing, Inc. has a reputation grade of D (score: 50.9/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Fair Collections & Outsourcing, Inc. respond to consumer complaints?

Fair Collections & Outsourcing, Inc. has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 26% of cases.

In how many states does Fair Collections & Outsourcing, Inc. operate?

Fair Collections & Outsourcing, Inc. has received CFPB complaints from consumers in 52 states, with the most complaints from Texas (577 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Fair Collections & Outsourcing, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 52 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

2,129
Written notification about debt

841
False statements or representation

809
Took or threatened to take negative or legal action

417
Cont'd attempts collect debt not owed

261
Communication tactics

157

Data updated September 2026

CFPB complaint disposition

CCDB record fair-collections-outsourcing-inc Fair Collections & Outsourcing, Inc.

Grade D · 4,832 CFPB filings · 98% timely · lead issue: Attempts to collect debt not owed · vol #34 · compose #4058

VOL 4,832
GRADE D
12MO 1,483
STATES 52
TIMELY 98%
DISPUTE 26%
ISSUE Attempts to collect debt n…
RANK #34
COMPOSE #4,058

Volume peers

Nearest volume peer: ProCollect, Inc. (4,864 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Fair Collections & Outsourcing, Inc.'s 4,832 CFPB complaints sit next to ProCollect, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Distributed filing map

Fair Collections & Outsourcing, Inc. spreads filings across 52 states - Texas leads at only 11.9%

Despite a broad state map, Fair Collections & Outsourcing, Inc. still sits volume #34 against composite #4,058 - the two RankMaps diverge by 4,024 places. Corpus placement method.

Most-even geography: Lead state under 15%; Texas still leads at 11.9% across 52 states
Seasonal peak: 2021-10 13.4%; 8–15% band · 11 filings
Divergent corpus ranks: #34 volume; #4,058 composite; Cleanest-composite ladder is 4,024 places worse than volume

How does Fair Collections & Outsourcing, Inc. compare to its peers?

How does FAIR COLLECTIONS & OUTSOURCING, INC. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

FAIR COLLECTIONS & OUT… National average

Complaints (last 12 mo)lower is better

1,483

1,426

268

Timely-response ratehigher is better

98%

89%

91%

Consumer-dispute ratelower is better

26%

32%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2021-09 2023-11

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	2,129
Written notification about debt	841
False statements or representation	809
Took or threatened to take negative or legal action	417
Cont'd attempts collect debt not owed	261
Communication tactics	157
Disclosure verification of debt	133
Threatened to contact someone or share information improperly	41
Electronic communications	23
Improper contact or sharing of info	13

Where do complaints against Fair Collections & Outsourcing, Inc. come from?

Fair Collections & Outsourcing, Inc.'s own per-state count, not a national baseline.

Texas

577
Florida

554
California

507
Maryland

416
Georgia

361
New York

247
North Carolina

202
Pennsylvania

181

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Fair Collections & Outsourcing, Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 4,832.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 98.03023362345397%.

4 peers

Know your rights before responding to Fair Collections & Outsourcing, Inc.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.