Dispute with Fair Collections and Outsourcing (FCO) You can dispute the account directly with the credit bureaus (Experian, Equifax, or TransUnion) or directly with Fair Collections and Outsourcing (FCO). We believe that disputing directly with Fair Collections and Outsourcing (FCO) may yield the best results when you know exactly the correct dispute process. Florida residents are owed documentation to validate the apartment debt collection. Even if they provide the documents, they must be compliant with Federal and Florida State law. Your rights give you the opportunity to possibly find violations of law. Violations of law can possibly be used to offset the amount owed or entice the debt collector to remove the account from the credit report.