Section 807 of the Fair Debt Collection Practices Act, 15 U.S.C. Section 1692e, provides, in part, as follows: "A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:
"(8) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed."
[Your Name] [Your Address] [City, State, ZIP] [Date] [Debt Collection Agency Name] [Collection Agency Address] [City, State, ZIP] Subject: Sacramento California — Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities — Communicating or Threatening to Communicate to any Person False Credit Information, Including the Failure to Communicate that a Debt is Disputed Dear [Debt Collection Agency Name], I hope this letter finds you well. I am writing to address a concerning issue pertaining to the debt collection activities conducted by your agency, as it relates to the Sacramento California law prohibiting false or misleading representations in collections. Firstly, I need to bring to your attention that I have recently become aware of several instances where your agency has engaged in the practice of communicating or threatening to communicate false credit information to various individuals, including myself. This activity is in direct violation of the laws set forth in the Sacramento California legislation regarding debt collection practices. Furthermore, I must emphasize that your agency has failed to communicate the disputed nature of the debt in question. It is my right, as a consumer under the Fair Debt Collection Practices Act and the Sacramento California laws, to question and dispute any debt that I believe is inaccurate or invalid. However, your agency has neglected to convey this important information to the credit reporting agencies, leading to the dissemination of misleading credit information. These actions by your agency are unacceptable and go against the principles of fair and ethical debt collection practices. Therefore, I demand that you immediately cease all collection activities until this matter is resolved to ensure compliance with Sacramento California legislation. In light of the above, I request the following actions be taken: 1. Within 30 days of receiving this letter, provide written confirmation that you have ceased all collection activities related to the disputed debt. 2. Acknowledge, in writing, the inaccurate representation of credit information and confirm that you will take appropriate steps to rectify this issue with the credit reporting agencies, ensuring they receive the necessary information regarding the dispute. 3. Provide written assurance that your agency will adhere to all applicable laws and regulations, including the Sacramento California legislation on debt collection practices, going forward. Failure to comply with these demands will result in my pursuit of legal action, as allowed under the Fair Debt Collection Practices Act and Sacramento California laws. Please consider this communication as an effort to resolve this matter amicably while protecting my rights as a consumer. I kindly request confirmation of the receipt of this letter, as well as your written response outlining the actions you will take to rectify this situation. Thank you for your prompt attention to this matter. Sincerely, [Your Name] [Your Contact Information][Your Name] [Your Address] [City, State, ZIP] [Date] [Debt Collection Agency Name] [Collection Agency Address] [City, State, ZIP] Subject: Sacramento California — Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities — Communicating or Threatening to Communicate to any Person False Credit Information, Including the Failure to Communicate that a Debt is Disputed Dear [Debt Collection Agency Name], I hope this letter finds you well. I am writing to address a concerning issue pertaining to the debt collection activities conducted by your agency, as it relates to the Sacramento California law prohibiting false or misleading representations in collections. Firstly, I need to bring to your attention that I have recently become aware of several instances where your agency has engaged in the practice of communicating or threatening to communicate false credit information to various individuals, including myself. This activity is in direct violation of the laws set forth in the Sacramento California legislation regarding debt collection practices. Furthermore, I must emphasize that your agency has failed to communicate the disputed nature of the debt in question. It is my right, as a consumer under the Fair Debt Collection Practices Act and the Sacramento California laws, to question and dispute any debt that I believe is inaccurate or invalid. However, your agency has neglected to convey this important information to the credit reporting agencies, leading to the dissemination of misleading credit information. These actions by your agency are unacceptable and go against the principles of fair and ethical debt collection practices. Therefore, I demand that you immediately cease all collection activities until this matter is resolved to ensure compliance with Sacramento California legislation. In light of the above, I request the following actions be taken: 1. Within 30 days of receiving this letter, provide written confirmation that you have ceased all collection activities related to the disputed debt. 2. Acknowledge, in writing, the inaccurate representation of credit information and confirm that you will take appropriate steps to rectify this issue with the credit reporting agencies, ensuring they receive the necessary information regarding the dispute. 3. Provide written assurance that your agency will adhere to all applicable laws and regulations, including the Sacramento California legislation on debt collection practices, going forward. Failure to comply with these demands will result in my pursuit of legal action, as allowed under the Fair Debt Collection Practices Act and Sacramento California laws. Please consider this communication as an effort to resolve this matter amicably while protecting my rights as a consumer. I kindly request confirmation of the receipt of this letter, as well as your written response outlining the actions you will take to rectify this situation. Thank you for your prompt attention to this matter. Sincerely, [Your Name] [Your Contact Information]
Para su conveniencia, debajo del texto en español le brindamos la versión completa de este formulario en inglés. For your convenience, the complete English version of this form is attached below the Spanish version.
