CFPB · Lower closed-with-relief share
Fair Collections & Outsourcing, Inc.
6.1K CFPB complaints · 0.1% relief (low band) · top issue Attempts to collect debt not owed.
Fair Collections & Outsourcing, Inc. closes 0.1% with relief (lower third) on 6.1K filings. Timely 98.2% · top product Debt collection. Allegations, not findings.
- Volume rank #99 of 342
- Lower closed-with-relief share
- +2780% filings 2013 to 2026
CFPB relief outcome brief
CCDB company fair-collections-outsourcing-inc
0.1% relief · 98.2% timely · 6.1K filings · Debt collection
Same-product relief peers
Nearest relief peer: Afni Inc. (0.1% relief)
Fair Collections & Outsourcing, Inc. closes 0.1% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Fair Collections & Outsourcing, Inc.'s 6.1K filings include narrative text
40.9% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Fair Collections & Outsourcing, Inc. complaint mix by product
- Debt collection 5K 78.7% – 0% relief
- Credit reporting 853 14.0% – 0% relief
- Credit reporting, 415 6.8% – 0% relief
- Credit reporting 18 0.3% – 0% relief
- Debt or 8 0.1% – 0% relief
- Credit card 4 0.1% – 0% relief
- Payday loan, 2 0.0% – 0% relief
Heavy-volume mix: how Fair Collections & Outsourcing, Inc.'s 6.1K complaints split across CFPB product categories. Resolution badge = % closed with relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 4.8K |
| Credit reporting or other personal consumer reports | 853 |
| Credit reporting, credit repair services, or other personal consumer reports | 415 |
| Credit reporting | 18 |
| Debt or credit management | 8 |
| Credit card | 4 |
| Payday loan, title loan, personal loan, or advance loan | 2 |
| Consumer Loan | 2 |
| Mortgage | 2 |
| Credit card or prepaid card | 2 |
| Checking or savings account | 1 |
Nationwide filing states for Fair Collections & Outsourcing, Inc.
Top states by attributed volume, heavy-filing company
- Leading state
- TX
- 12.1% of this company's filings
Fair Collections & Outsourcing, Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 1.0K
- +2780% vs 2013
Top States
| State | Complaints |
|---|---|
| TX | 741 |
| FL | 724 |
| CA | 606 |
| MD | 507 |
| GA | 479 |
| NY | 285 |
| PA | 256 |
| NC | 256 |
| VA | 228 |
| IL | 224 |
| NJ | 199 |
| MI | 177 |
| MA | 148 |
| DC | 144 |
| OH | 95 |
| NV | 89 |
| AZ | 81 |
| SC | 70 |
| AR | 70 |
| MO | 62 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 2.1K |
| Written notification about debt | 837 |
| False statements or representation | 805 |
| Incorrect information on your report | 718 |
| Took or threatened to take negative or legal action | 410 |
| Cont'd attempts collect debt not owed | 261 |
| Improper use of your report | 236 |
| Problem with a company's investigation into an existing problem | 185 |
| Communication tactics | 157 |
| Disclosure verification of debt | 133 |
| Problem with a credit reporting company's investigation into an existing problem | 106 |
| Threatened to contact someone or share information improperly | 41 |
| Electronic communications | 23 |
| Incorrect information on credit report | 17 |
| Problem with a company's investigation into an existing issue | 14 |
| Improper contact or sharing of info | 13 |
| Credit monitoring or identity theft protection services | 8 |
| Taking/threatening an illegal action | 8 |
| Confusing or misleading advertising or marketing | 3 |
| Confusing or missing disclosures | 3 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 35 | 100% |
| 2014 | 123 | 100% |
| 2015 | 133 | 100% |
| 2016 | 169 | 100% |
| 2017 | 238 | 100% |
| 2018 | 259 | 100% |
| 2019 | 156 | 98.1% |
| 2020 | 203 | 99% |
| 2021 | 328 | 99.1% |
| 2022 | 351 | 95.2% |
| 2023 | 496 | 98.4% |
| 2024 | 954 | 98.7% |
| 2025 | 1.7K | 96.5% |
| 2026 | 1.0K | 99.6% |
Source: CFPB Consumer Complaint Database
Fair Collections & Outsourcing, Inc. in the lower-relief third
Fair Collections & Outsourcing, Inc.'s 6,119 logged complaints reach a nationwide footprint - 54 states have at least one filing. 40.9% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2013 through 2026-06-26. Closed-with-relief 0.1% sits in the lower third of the corpus.
Fair Collections & Outsourcing, Inc. closes 0.1% with monetary or non-monetary relief and answers 98.2% inside the CFPB window; 98.4% close with a written explanation. Consumers disputed 0% of responses after the company replied. Top product "Debt collection" · top issue "Attempts to collect debt not owed."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Fair Collections & Outsourcing, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Fair Collections & Outsourcing, Inc.: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 6.1K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 98.2%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Fair Collections & Outsourcing, Inc. (#99 of 342; 98.2% timely; 0.1% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Lower closed-with-relief share