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:
"(14) The use of any business, company, or organization name other than the true name of the debt collector's business, company, or organization."
Clark Nevada Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities — Using a Business Name Other Than the True Name of the Debt Collector's Business Subject: Immediate Action Required — False or Misleading Collection Practices Dear [Debt Collector's Name], I hope this letter finds you well. I am writing to bring to your attention a serious concern regarding the collection activities conducted by your agency under a business name other than the true name of your business, as mandated by applicable laws and regulations. It has come to my attention that your agency has been engaging in collection activities using a business name other than your true business name. As a consumer, I have the right to be informed of the true identity of the entity collecting this debt and to be protected from any misleading or false representations during the collection process. This practice raises serious ethical and legal concerns. It is important to highlight that the Fair Debt Collection Practices Act (FD CPA) prohibits debt collectors from using any false, deceptive, or misleading representation in connection with the collection of any debt. Furthermore, the FD CPA requires debt collectors to identify themselves accurately and disclose their true identity when communicating with consumers like myself. The use of an alternative business name poses risks of confusion, misrepresentation, and potential harm to consumers. It deprives us of the ability to make informed decisions regarding our debts and may lead to unintended consequences, such as mistaken identity or fraudulent collection attempts. I am formally requesting that your agency immediately cease any further use of a business name other than the true name of your business in all communication and collection activities related to my debt. Furthermore, I request that you provide me with a written confirmation within 10 business days of receiving this letter, acknowledging your compliance with this request. Failure to comply with these requests will be considered a violation of my rights as a consumer under the FD CPA and may result in legal action to protect my interests. I want to avoid such escalation and hope we can resolve this matter amicably and in full compliance with the law. I trust that you will take my concerns seriously and take the necessary steps to rectify this issue promptly. Should you require any further information regarding this matter, please do not hesitate to contact me at the address provided below. Thank you for your immediate attention to this critical matter. Sincerely, [Your Name] [Your Address] [City, State, ZIP Code] [Email Address] [Phone Number]Clark Nevada Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities — Using a Business Name Other Than the True Name of the Debt Collector's Business Subject: Immediate Action Required — False or Misleading Collection Practices Dear [Debt Collector's Name], I hope this letter finds you well. I am writing to bring to your attention a serious concern regarding the collection activities conducted by your agency under a business name other than the true name of your business, as mandated by applicable laws and regulations. It has come to my attention that your agency has been engaging in collection activities using a business name other than your true business name. As a consumer, I have the right to be informed of the true identity of the entity collecting this debt and to be protected from any misleading or false representations during the collection process. This practice raises serious ethical and legal concerns. It is important to highlight that the Fair Debt Collection Practices Act (FD CPA) prohibits debt collectors from using any false, deceptive, or misleading representation in connection with the collection of any debt. Furthermore, the FD CPA requires debt collectors to identify themselves accurately and disclose their true identity when communicating with consumers like myself. The use of an alternative business name poses risks of confusion, misrepresentation, and potential harm to consumers. It deprives us of the ability to make informed decisions regarding our debts and may lead to unintended consequences, such as mistaken identity or fraudulent collection attempts. I am formally requesting that your agency immediately cease any further use of a business name other than the true name of your business in all communication and collection activities related to my debt. Furthermore, I request that you provide me with a written confirmation within 10 business days of receiving this letter, acknowledging your compliance with this request. Failure to comply with these requests will be considered a violation of my rights as a consumer under the FD CPA and may result in legal action to protect my interests. I want to avoid such escalation and hope we can resolve this matter amicably and in full compliance with the law. I trust that you will take my concerns seriously and take the necessary steps to rectify this issue promptly. Should you require any further information regarding this matter, please do not hesitate to contact me at the address provided below. Thank you for your immediate attention to this critical matter. Sincerely, [Your Name] [Your Address] [City, State, ZIP Code] [Email Address] [Phone Number]
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.
