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."
Subject: Urgent Message Regarding False or Misleading Collection Activities with Incorrect Business Name — Wayne, Michigan Dear [Debt Collector's Name], I hope this letter finds you in good health. I am writing to express my deep concern regarding the recent collection activities associated with a business name that does not accurately represent your true business name. It has come to my attention that your debt collection practices have involved the use of an incorrect business name, which is both false and misleading. First and foremost, I want to emphasize my commitment to resolving any outstanding debts or financial obligations in a fair and responsible manner. However, it is crucial that debt collection agencies conduct their operations transparently, providing accurate information to the debtors. Upon receiving correspondence and communications from your agency under the business name [Incorrect Business Name], I was perplexed to find no association or knowledge of such an entity. As a resident of Wayne, Michigan, I have always been mindful of my financial responsibilities and have promptly responded to any legitimate collection matters. Considering the importance of trust and integrity in debt collection activities, I kindly request immediate action to rectify this situation. Please take the following measures: 1. Cease any further collection activities under the incorrect business name [Incorrect Business Name]. 2. Update your records to correctly reflect your true business name. 3. Provide me with written confirmation that all future correspondence will be under the correct business name. 4. Explain the reasons behind the use of the inaccurate business name and ensure that it will not recur. Additionally, please understand that my obligation to resolve any legitimate debts remains intact. However, I strongly advocate for fair and honest practices within the debt collection industry to protect the rights and interests of all parties involved. I trust that you will understand the seriousness of this matter and resolve it promptly. Failure to address and rectify these concerns may necessitate reporting this issue to the relevant regulatory authorities or seeking legal advice to protect my rights as a consumer. I appreciate your immediate attention to this matter and eagerly await your prompt response. I hope that together, we can ensure a fair and transparent resolution to any outstanding debts. Thank you for your cooperation. Sincerely, [Your Name] [Your Address] [City, State, ZIP] [Phone Number] [Email Address]Subject: Urgent Message Regarding False or Misleading Collection Activities with Incorrect Business Name — Wayne, Michigan Dear [Debt Collector's Name], I hope this letter finds you in good health. I am writing to express my deep concern regarding the recent collection activities associated with a business name that does not accurately represent your true business name. It has come to my attention that your debt collection practices have involved the use of an incorrect business name, which is both false and misleading. First and foremost, I want to emphasize my commitment to resolving any outstanding debts or financial obligations in a fair and responsible manner. However, it is crucial that debt collection agencies conduct their operations transparently, providing accurate information to the debtors. Upon receiving correspondence and communications from your agency under the business name [Incorrect Business Name], I was perplexed to find no association or knowledge of such an entity. As a resident of Wayne, Michigan, I have always been mindful of my financial responsibilities and have promptly responded to any legitimate collection matters. Considering the importance of trust and integrity in debt collection activities, I kindly request immediate action to rectify this situation. Please take the following measures: 1. Cease any further collection activities under the incorrect business name [Incorrect Business Name]. 2. Update your records to correctly reflect your true business name. 3. Provide me with written confirmation that all future correspondence will be under the correct business name. 4. Explain the reasons behind the use of the inaccurate business name and ensure that it will not recur. Additionally, please understand that my obligation to resolve any legitimate debts remains intact. However, I strongly advocate for fair and honest practices within the debt collection industry to protect the rights and interests of all parties involved. I trust that you will understand the seriousness of this matter and resolve it promptly. Failure to address and rectify these concerns may necessitate reporting this issue to the relevant regulatory authorities or seeking legal advice to protect my rights as a consumer. I appreciate your immediate attention to this matter and eagerly await your prompt response. I hope that together, we can ensure a fair and transparent resolution to any outstanding debts. Thank you for your cooperation. Sincerely, [Your Name] [Your Address] [City, State, ZIP] [Phone Number] [Email Address]
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.
