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."
Mecklenburg North Carolina 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 this letter to address an issue regarding your debt collection activities, specifically your use of a business name other than your true name. It has come to my attention that your collection efforts regarding [account number] have been misleading and falsely represented through the use of a different business name. According to the Fair Debt Collection Practices Act (FD CPA), debt collectors are expected to provide accurate and honest information when attempting to collect a debt. Section 807(11) explicitly prohibits the use of any false, deceptive, or misleading representation in connection with debt collection activities. This not only includes false statements about the amount owed or the legal status of the debt but also extends to the use of any business name other than the true name of the debt collector's business. Upon receiving collection correspondence from your unauthorized business name, I was initially confused and concerned about the legitimacy of the debt collection process. This portrayal contradicts the transparency and trust that should be maintained throughout such proceedings, causing unnecessary stress and anxiety. I kindly request that you immediately cease using any false or misleading business name in connection with your collection activities. Please ensure that all future correspondence accurately reflects the true name of your business and explicitly identifies your role as a debt collector. This will not only adhere to the legal obligations outlined by the FD CPA but also prevent potential confusion and further repercussions. Furthermore, I expect you to investigate and rectify any potential damages or loss caused by this misleading representation. As a consumer, it is my right to be treated fairly, honestly, and respectfully during the debt collection process. Failure to comply with the FD CPA can result in legal consequences, such as fines and legal action against your company. I anticipate your prompt attention and resolution to this matter within [reasonable timeframe]. Please provide written confirmation that you have taken the necessary steps to address this issue. Additionally, I request that any future correspondence pertaining to this debt collection be sent using your true business name. Thank you for your immediate attention and cooperation. I trust that you will rectify this misleading representation promptly to ensure fair and ethical debt collection practices. Sincerely, [Your Name] [Your Address] [City, State, ZIP Code] [Date]Mecklenburg North Carolina 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 this letter to address an issue regarding your debt collection activities, specifically your use of a business name other than your true name. It has come to my attention that your collection efforts regarding [account number] have been misleading and falsely represented through the use of a different business name. According to the Fair Debt Collection Practices Act (FD CPA), debt collectors are expected to provide accurate and honest information when attempting to collect a debt. Section 807(11) explicitly prohibits the use of any false, deceptive, or misleading representation in connection with debt collection activities. This not only includes false statements about the amount owed or the legal status of the debt but also extends to the use of any business name other than the true name of the debt collector's business. Upon receiving collection correspondence from your unauthorized business name, I was initially confused and concerned about the legitimacy of the debt collection process. This portrayal contradicts the transparency and trust that should be maintained throughout such proceedings, causing unnecessary stress and anxiety. I kindly request that you immediately cease using any false or misleading business name in connection with your collection activities. Please ensure that all future correspondence accurately reflects the true name of your business and explicitly identifies your role as a debt collector. This will not only adhere to the legal obligations outlined by the FD CPA but also prevent potential confusion and further repercussions. Furthermore, I expect you to investigate and rectify any potential damages or loss caused by this misleading representation. As a consumer, it is my right to be treated fairly, honestly, and respectfully during the debt collection process. Failure to comply with the FD CPA can result in legal consequences, such as fines and legal action against your company. I anticipate your prompt attention and resolution to this matter within [reasonable timeframe]. Please provide written confirmation that you have taken the necessary steps to address this issue. Additionally, I request that any future correspondence pertaining to this debt collection be sent using your true business name. Thank you for your immediate attention and cooperation. I trust that you will rectify this misleading representation promptly to ensure fair and ethical debt collection practices. Sincerely, [Your Name] [Your Address] [City, State, ZIP Code] [Date]
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.
