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:
"(2) The false representation of . . . the character, amount, or legal status of any debt . . . ."
Subject: Challenging False or Misleading Debt Collection Practices in San Antonio, Texas Dear [Debt Collector's Name], I am writing to bring to your attention the false or misleading misrepresentations that I have encountered during your collection activities regarding the character, amount, or legal status of a purported debt. As a resident of San Antonio, Texas, I believe it is important to address any unfair debt collection practices maintaining a fair and balanced financial system for all parties involved. Firstly, I must express my concerns regarding the accuracy of your communications. It has come to my attention that the information provided by your agency may be misleading, potentially violating the Fair Debt Collection Practices Act (FD CPA) and related state laws. Your agency's responsibility is to provide accurate and comprehensive information about the debt you claim I owe, ensuring that it is valid and supported by proper documentation. Furthermore, I would like to highlight the importance of transparency and clarity in your debt collection activities. In cases where multiple debts are involved, it is imperative for you to provide separate, itemized statements specifying the amount owed for each debt. I have encountered situations where your agency has falsely represented the amount of the debt, often combining multiple debts into a single sum without proper itemization. Such practices violate the FD CPA and infringe upon my rights as a consumer. Additionally, I found it concerning that your agency may have misrepresented the legal status of the debt in question. It is crucial that you provide accurate and up-to-date information in regard to any legal actions taken against me, ensuring that they are valid, applicable, and in compliance with the law. Failure to do so could lead to potential legal repercussions for your agency. I urge you to review your collection practices and ensure compliance with all applicable laws and regulations. In light of the aforementioned issues, I request that you take immediate action to correct the false or misleading misrepresentations regarding the character, amount, or legal status of the debt in question. Furthermore, I need proper verification and documentation to ascertain the authenticity of the debt being pursued. Please consider this correspondence as a formal written dispute of the debt under the FD CPA's validation provisions. I kindly request that you provide me with all necessary information and evidence pertaining to the accuracy and legitimacy of the debt. This includes contracts, account statements, agreements, or any other supporting documentation. Moreover, I expect that all collection activities regarding the disputed debt cease immediately until the necessary verifications and validations have been provided. Failure to comply with my request will leave me no choice but to pursue legal action and file a complaint with the appropriate regulatory authorities, which may result in severe consequences for your agency. Finally, kindly acknowledge receipt of this letter and inform me of the actions you will take to address the aforementioned concerns. I expect a response within 30 days from the date of receipt of this letter as required by the FD CPA. Thank you for your immediate attention to this matter. I trust that you will handle this dispute appropriately and comply with all legal requirements prescribed by the FD CPA. Sincerely, [Your Name] [Your Address] [City, State, ZIP Code] [Phone Number] [Email Address]Subject: Challenging False or Misleading Debt Collection Practices in San Antonio, Texas Dear [Debt Collector's Name], I am writing to bring to your attention the false or misleading misrepresentations that I have encountered during your collection activities regarding the character, amount, or legal status of a purported debt. As a resident of San Antonio, Texas, I believe it is important to address any unfair debt collection practices maintaining a fair and balanced financial system for all parties involved. Firstly, I must express my concerns regarding the accuracy of your communications. It has come to my attention that the information provided by your agency may be misleading, potentially violating the Fair Debt Collection Practices Act (FD CPA) and related state laws. Your agency's responsibility is to provide accurate and comprehensive information about the debt you claim I owe, ensuring that it is valid and supported by proper documentation. Furthermore, I would like to highlight the importance of transparency and clarity in your debt collection activities. In cases where multiple debts are involved, it is imperative for you to provide separate, itemized statements specifying the amount owed for each debt. I have encountered situations where your agency has falsely represented the amount of the debt, often combining multiple debts into a single sum without proper itemization. Such practices violate the FD CPA and infringe upon my rights as a consumer. Additionally, I found it concerning that your agency may have misrepresented the legal status of the debt in question. It is crucial that you provide accurate and up-to-date information in regard to any legal actions taken against me, ensuring that they are valid, applicable, and in compliance with the law. Failure to do so could lead to potential legal repercussions for your agency. I urge you to review your collection practices and ensure compliance with all applicable laws and regulations. In light of the aforementioned issues, I request that you take immediate action to correct the false or misleading misrepresentations regarding the character, amount, or legal status of the debt in question. Furthermore, I need proper verification and documentation to ascertain the authenticity of the debt being pursued. Please consider this correspondence as a formal written dispute of the debt under the FD CPA's validation provisions. I kindly request that you provide me with all necessary information and evidence pertaining to the accuracy and legitimacy of the debt. This includes contracts, account statements, agreements, or any other supporting documentation. Moreover, I expect that all collection activities regarding the disputed debt cease immediately until the necessary verifications and validations have been provided. Failure to comply with my request will leave me no choice but to pursue legal action and file a complaint with the appropriate regulatory authorities, which may result in severe consequences for your agency. Finally, kindly acknowledge receipt of this letter and inform me of the actions you will take to address the aforementioned concerns. I expect a response within 30 days from the date of receipt of this letter as required by the FD CPA. Thank you for your immediate attention to this matter. I trust that you will handle this dispute appropriately and comply with all legal requirements prescribed by the FD CPA. Sincerely, [Your Name] [Your Address] [City, State, ZIP Code] [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.
