Who Is FAIR Collections & Outsourcing? Why Are They Calling Me?
Most commonly for attempts to collect debt not owed
Contact FAIR Collections & Outsourcing
- Address to send a debt validation letter
- Fair Collections & Outsourcing, Inc. 12304 Baltimore Ave, Suite E Beltsville, MD 20705
- Phone
- 1-877-324-7265
- Official website
- https://www.fco.com
As of 2026-08-07 — verify before mailing anything important, since collectors do change addresses.
Fair Collections & Outsourcing (FCO) is a Maryland-based debt collector that specializes in rental housing debt — unpaid rent, lease-break fees, and damages referred by property managers and student/military housing operators — rather than general consumer debt. If FCO is contacting you, ask them to validate the debt in writing before paying, particularly if you’re not certain the balance is accurate.
Has FCO been the subject of regulatory action?
Yes. On August 17, 2021, the CFPB announced an enforcement action against FCO Holding, Inc. and its subsidiaries — along with owner Michael Sobota — requiring a $850,000 civil money penalty. The CFPB found that FCO failed to establish reasonable policies for the accuracy of information it furnished to credit reporting agencies, failed to properly investigate consumer disputes (including identity theft reports), and told consumers they owed debts without a reasonable basis for that claim, in violation of the FDCPA and Fair Credit Reporting Act. If FCO has reported a debt to your credit file that you believe resulted from identity theft or a landlord dispute you never had, see credit report dispute for how to challenge it.
Questions & Answers
Is FAIR Collections & Outsourcing a legitimate debt collector?
FAIR Collections & Outsourcing shows up in the CFPB consumer complaint database, which tracks real complaints filed against real companies — so it is a legitimate, registered entity, not a scam name. That doesn't mean every call claiming to be from them is real; scammers impersonate real collectors. Verify what they're collecting before paying anything — see what to do the first time a collector contacts you.
— US Debt Compass Editorial Team
How do I stop FAIR Collections & Outsourcing from calling me?
Under the FDCPA, you can send FAIR Collections & Outsourcing a written cease-and-desist letter and they must stop contacting you except to confirm they've received it or to notify you of specific legal action. This doesn't erase the debt — it only stops the calls. See the cease-and-desist letter glossary entry for how to send one.
— US Debt Compass Editorial Team
How do I dispute a debt with FAIR Collections & Outsourcing?
Send a written debt validation request to FAIR Collections & Outsourcing's dispute address within 30 days of first contact — they must then verify the debt before continuing collection. See the contact details above for the current mailing address.
— US Debt Compass Editorial Team
Is FAIR Collections & Outsourcing on my credit report?
If FAIR Collections & Outsourcing is collecting on an account, it can appear on your credit report as a collection tradeline, separate from the original creditor's listing. Check your credit report directly to confirm, and see the credit report dispute guide if anything about the listing looks wrong.
— US Debt Compass Editorial Team