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 . . . any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. “
[Your Name] [Your Address] [City, State, Zip] [Email Address] [Phone Number] [Date] [Debt Collector's Name] [Debt Collector's Address] [City, State, Zip] Subject: Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities Dear [Debt Collector's Name], I am writing this letter to bring to your attention the false and misleading misrepresentations in the collection activities that I have recently experienced from your agency. It has come to my attention that you have been falsely representing services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. I would like to address the issue and request appropriate corrective action. I would like to highlight the following instances that I consider to be false or misleading representations made by your agency: 1. [Provide specific example(s) of misrepresentation, including the date, time, method of communication, and the specific statement(s) made by the debt collector.] 2. [Provide another specific example(s) of misrepresentation, if applicable.] As a consumer, I have the right to accurate and honest information regarding the services rendered or compensation that may be lawfully received by a debt collector for the collection of a debt, as outlined under the Fair Debt Collection Practices Act (FD CPA). Please note that I have carefully reviewed the FD CPA guidelines and understand the rights afforded to me as a consumer. I demand that you immediately cease making false or misleading statements regarding services rendered or compensation to collect the debt owed to [Creditor's Name]. Furthermore, I request that you provide me with written confirmation within [insert a reasonable timeline, typically 30 days] of receiving this letter, stating that you will cease these false or misleading practices and provide an assurance that no further improper representations will be made in your collection activities. Failure to acknowledge and rectify the false or misleading representations could lead to potential legal actions against your agency, as I value my rights as a consumer and will take all necessary steps to protect them. I expect prompt attention to this matter and a written response within [insert a reasonable timeline, typically 30 days] to address my concerns. You can reach me at [insert your preferred contact details] should you require any clarification or additional information. Thank you for your immediate attention to this matter. Sincerely, [Your Name][Your Name] [Your Address] [City, State, Zip] [Email Address] [Phone Number] [Date] [Debt Collector's Name] [Debt Collector's Address] [City, State, Zip] Subject: Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities Dear [Debt Collector's Name], I am writing this letter to bring to your attention the false and misleading misrepresentations in the collection activities that I have recently experienced from your agency. It has come to my attention that you have been falsely representing services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. I would like to address the issue and request appropriate corrective action. I would like to highlight the following instances that I consider to be false or misleading representations made by your agency: 1. [Provide specific example(s) of misrepresentation, including the date, time, method of communication, and the specific statement(s) made by the debt collector.] 2. [Provide another specific example(s) of misrepresentation, if applicable.] As a consumer, I have the right to accurate and honest information regarding the services rendered or compensation that may be lawfully received by a debt collector for the collection of a debt, as outlined under the Fair Debt Collection Practices Act (FD CPA). Please note that I have carefully reviewed the FD CPA guidelines and understand the rights afforded to me as a consumer. I demand that you immediately cease making false or misleading statements regarding services rendered or compensation to collect the debt owed to [Creditor's Name]. Furthermore, I request that you provide me with written confirmation within [insert a reasonable timeline, typically 30 days] of receiving this letter, stating that you will cease these false or misleading practices and provide an assurance that no further improper representations will be made in your collection activities. Failure to acknowledge and rectify the false or misleading representations could lead to potential legal actions against your agency, as I value my rights as a consumer and will take all necessary steps to protect them. I expect prompt attention to this matter and a written response within [insert a reasonable timeline, typically 30 days] to address my concerns. You can reach me at [insert your preferred contact details] should you require any clarification or additional information. Thank you for your immediate attention to this matter. 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.
