FAIR CAP REC on a credit report: collection account
FAIR CAP REC is probably a collection account: on reports, "REC" usually stands for recovery or receivables.
How to find out which company reported FAIR CAP REC
For a collection account, your free report at AnnualCreditReport.com shows the full name and address behind FAIR CAP REC next to the original creditor; our guide to identifying a creditor covers what else you can ask for.
Verified pages for similar report codes
Verified pages for other codes that start with "FAIR" (not necessarily the same company as this one):