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: "(16) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency . . . ."
Title: San Jose California Letter to Debt Collector: Reporting False or Misleading Collection Activities Regarding Consumer Reporting Agency Representation Introduction: In the city of San Jose, California, individuals have the right to address false or misleading misrepresentations made by debt collectors in their collection activities. One such deceptive practice is when debt collectors falsely represent or imply that they operate or are employed by a consumer reporting agency. This letter serves as a formal notification to inform debt collectors of their unlawful actions and demand immediate corrective measures. Keywords: San Jose, California, letter, debt collector, false or misleading misrepresentations, collection activities, consumer reporting agency, deceptive practice, implication, demand, corrective measures Content: [Your Name] [Your Address] [City, State, Zip Code] [Email Address] [Phone Number] [Date] [Debt Collection Agency Name] [Contact Person's Name] [Agency's Address] [City, State, Zip Code] Subject: Notice Regarding False or Misleading Misrepresentations in Collection Activities — Falsely Representing or Implying Debt Collector Operates or is Employed by a Consumer Reporting Agency Dear [Debt Collection Agency Name], I hope this letter finds you well. I am writing to bring to your attention a serious concern regarding your collection activities, specifically relating to false or misleading misrepresentations made by your debt collectors. It has come to my attention that your agency, intentionally or unintentionally, has falsely represented or implied that you operate or are employed by a consumer reporting agency. Upon conducting thorough research and reviewing relevant laws and regulations, including the Fair Debt Collection Practices Act (FD CPA) and the California Rosenthal Fair Debt Collection Practices Act (RFD CPA), I have found that such actions, whether intentional or not, are directly in violation of these laws. The use of deceptive practices that falsely represent or imply your affiliation with a consumer reporting agency is not only misleading but also infringes on the rights of consumers. Such misrepresentations can damage the reputation of both consumers and legitimate consumer reporting agencies, thus leading to false assumptions and potential harm. Therefore, I kindly request and demand that your agency immediately ceases all false or misleading misrepresentations regarding your relationship with any consumer reporting agency. Please ensure that all your debt collectors fully understand the legal boundaries and comply with the FD CPA and RFD CPA regulations. Furthermore, I request proper documentation and a written statement within [15/30] days from the receipt of this letter, outlining the actions your agency has taken to address and rectify the aforementioned false or misleading misrepresentations. Failure to provide a satisfactory response or to rectify these concerns may result in further legal actions. It is crucial to restore trust and integrity while safeguarding the rights of consumers in the city of San Jose, California. I believe that, by addressing this matter seriously and promptly, we can ensure fair debt collection practices are in effect. Thank you for your attention to this matter. I anticipate a swift resolution to this issue and expect your cooperation to prevent any future misrepresentations. Sincerely, [Your Name]Title: San Jose California Letter to Debt Collector: Reporting False or Misleading Collection Activities Regarding Consumer Reporting Agency Representation Introduction: In the city of San Jose, California, individuals have the right to address false or misleading misrepresentations made by debt collectors in their collection activities. One such deceptive practice is when debt collectors falsely represent or imply that they operate or are employed by a consumer reporting agency. This letter serves as a formal notification to inform debt collectors of their unlawful actions and demand immediate corrective measures. Keywords: San Jose, California, letter, debt collector, false or misleading misrepresentations, collection activities, consumer reporting agency, deceptive practice, implication, demand, corrective measures Content: [Your Name] [Your Address] [City, State, Zip Code] [Email Address] [Phone Number] [Date] [Debt Collection Agency Name] [Contact Person's Name] [Agency's Address] [City, State, Zip Code] Subject: Notice Regarding False or Misleading Misrepresentations in Collection Activities — Falsely Representing or Implying Debt Collector Operates or is Employed by a Consumer Reporting Agency Dear [Debt Collection Agency Name], I hope this letter finds you well. I am writing to bring to your attention a serious concern regarding your collection activities, specifically relating to false or misleading misrepresentations made by your debt collectors. It has come to my attention that your agency, intentionally or unintentionally, has falsely represented or implied that you operate or are employed by a consumer reporting agency. Upon conducting thorough research and reviewing relevant laws and regulations, including the Fair Debt Collection Practices Act (FD CPA) and the California Rosenthal Fair Debt Collection Practices Act (RFD CPA), I have found that such actions, whether intentional or not, are directly in violation of these laws. The use of deceptive practices that falsely represent or imply your affiliation with a consumer reporting agency is not only misleading but also infringes on the rights of consumers. Such misrepresentations can damage the reputation of both consumers and legitimate consumer reporting agencies, thus leading to false assumptions and potential harm. Therefore, I kindly request and demand that your agency immediately ceases all false or misleading misrepresentations regarding your relationship with any consumer reporting agency. Please ensure that all your debt collectors fully understand the legal boundaries and comply with the FD CPA and RFD CPA regulations. Furthermore, I request proper documentation and a written statement within [15/30] days from the receipt of this letter, outlining the actions your agency has taken to address and rectify the aforementioned false or misleading misrepresentations. Failure to provide a satisfactory response or to rectify these concerns may result in further legal actions. It is crucial to restore trust and integrity while safeguarding the rights of consumers in the city of San Jose, California. I believe that, by addressing this matter seriously and promptly, we can ensure fair debt collection practices are in effect. Thank you for your attention to this matter. I anticipate a swift resolution to this issue and expect your cooperation to prevent any future misrepresentations. Sincerely, [Your Name]
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.
