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."
Franklin Ohio 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 Dear [Debt Collector's Name], I am writing to bring to your attention a concerning matter regarding the collection activities carried out by your agency. It has come to my attention that your business has been engaging in false or misleading misrepresentations in your collection activities by using a business name other than your true name. As per the Fair Debt Collection Practices Act (FD CPA), it is imperative that debt collectors provide accurate and truthful information when communicating with consumers. Using a business name other than your true name violates the principles of transparency and fairness outlined in the FD CPA. Upon conducting research and comparing the business name used by your collection agency to the registered and authorized name listed with the appropriate state authorities, it has become evident that there is a significant discrepancy. This raises serious concerns about the legitimacy and credibility of your collection practices. Under the FD CPA, debt collectors are required to disclose their true business name during all communication with debtors. Failure to adhere to this requirement undermines the trust and confidence necessary for fair debt collection practices. Your use of a different business name not only misleads consumers, but it also potentially violates their rights under the FD CPA. I kindly request that you immediately cease using any business name other than your true name when conducting collection activities. In addition, I highly recommend that you review and revise your collection policies and practices ensuring full compliance with the FD CPA. Failure to rectify this matter promptly may result in legal action being taken against your agency. I trust that you will take this matter seriously and act promptly to remedy the false or misleading misrepresentations in your collection activities. I expect a timely response from your agency, confirming your commitment to rectifying this matter and ensuring future compliance with the FD CPA. Thank you for your attention to this matter. Sincerely, [Your Name] [Your Contact Information]Franklin Ohio 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 Dear [Debt Collector's Name], I am writing to bring to your attention a concerning matter regarding the collection activities carried out by your agency. It has come to my attention that your business has been engaging in false or misleading misrepresentations in your collection activities by using a business name other than your true name. As per the Fair Debt Collection Practices Act (FD CPA), it is imperative that debt collectors provide accurate and truthful information when communicating with consumers. Using a business name other than your true name violates the principles of transparency and fairness outlined in the FD CPA. Upon conducting research and comparing the business name used by your collection agency to the registered and authorized name listed with the appropriate state authorities, it has become evident that there is a significant discrepancy. This raises serious concerns about the legitimacy and credibility of your collection practices. Under the FD CPA, debt collectors are required to disclose their true business name during all communication with debtors. Failure to adhere to this requirement undermines the trust and confidence necessary for fair debt collection practices. Your use of a different business name not only misleads consumers, but it also potentially violates their rights under the FD CPA. I kindly request that you immediately cease using any business name other than your true name when conducting collection activities. In addition, I highly recommend that you review and revise your collection policies and practices ensuring full compliance with the FD CPA. Failure to rectify this matter promptly may result in legal action being taken against your agency. I trust that you will take this matter seriously and act promptly to remedy the false or misleading misrepresentations in your collection activities. I expect a timely response from your agency, confirming your commitment to rectifying this matter and ensuring future compliance with the FD CPA. Thank you for your 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.
