Section 807 of the Fair Debt Collection Practices Act, 15 U.S.C. Sec. 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:
"(1) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof."
Title: North Carolina Letter Unveiling Misleading Claims by a Debt Collector Implying Affiliation with the United States Keywords: North Carolina, letter, debt collector, false representation, misleading misrepresentations, collection activities, vouched for, bonded by, affiliated with, United States Content: [Your Name] [Your Address] [City, State, ZIP Code] [Date] [Debt Collector's Name] [Debt Collector's Address] [City, State, ZIP Code] Subject: Cease and Desist Misleading Claims Implying Affiliation with the United States Dear [Debt Collector's Name], I am writing to express my deep concern regarding the recent collection activities by your firm and to bring to your attention certain false representations or misleading misrepresentations indicating an affiliation with the United States. As a resident of North Carolina, it is important to ensure that debt collection practices adhered to in this state remain in compliance with applicable laws and regulations. Upon reviewing the correspondence I have received from your agency, I noticed the usage of language that improperly implies a connection or endorsement by, being vouched for, bonded by, or affiliated with the United States. Such misleading representations misguide recipients by creating an association that does not truly exist, consequently deceiving them into believing that your collection methods are sanctioned or authorized by a federal entity. As you may be aware, under the Fair Debt Collection Practices Act (FD CPA), debt collectors are prohibited from using false, deceptive, or misleading representations. Specifically, Section 1692e(8) of the FD CPA states that it is unlawful to falsely represent or imply that collectors are vouched for, bonded by, or affiliated with the United States government or any state or local government. Therefore, it is imperative that you cease all use of false wording or implications that could create a mistaken belief of your affiliation with the United States. In order to rectify this situation promptly, I kindly request that you take the following actions: 1. Immediately cease all current and future use of misleading language that falsely represents or implies an affiliation with the United States. 2. Promptly correct any misleading communications previously sent to me or any other consumers, providing an updated document expunging any false representation. 3. Confirm in writing within [state a reasonable timeframe, e.g., 10 business days] of receiving this letter that you have halted all false or misleading representations and that steps have been taken to rectify the situation. Failure to comply with my request may result in further legal action to protect my rights under the FD CPA. Any continuing attempts to mislead or deceive consumers will not be taken lightly and will be reported to the appropriate authorities. I trust that you will investigate this matter thoroughly and resolve it promptly. Your cooperation in rectifying this situation is greatly appreciated. I look forward to receiving written confirmation of your actions and a resolution to this matter. Thank you for your immediate attention to this serious matter. Yours sincerely, [Your Name] [Your Contact Information]Title: North Carolina Letter Unveiling Misleading Claims by a Debt Collector Implying Affiliation with the United States Keywords: North Carolina, letter, debt collector, false representation, misleading misrepresentations, collection activities, vouched for, bonded by, affiliated with, United States Content: [Your Name] [Your Address] [City, State, ZIP Code] [Date] [Debt Collector's Name] [Debt Collector's Address] [City, State, ZIP Code] Subject: Cease and Desist Misleading Claims Implying Affiliation with the United States Dear [Debt Collector's Name], I am writing to express my deep concern regarding the recent collection activities by your firm and to bring to your attention certain false representations or misleading misrepresentations indicating an affiliation with the United States. As a resident of North Carolina, it is important to ensure that debt collection practices adhered to in this state remain in compliance with applicable laws and regulations. Upon reviewing the correspondence I have received from your agency, I noticed the usage of language that improperly implies a connection or endorsement by, being vouched for, bonded by, or affiliated with the United States. Such misleading representations misguide recipients by creating an association that does not truly exist, consequently deceiving them into believing that your collection methods are sanctioned or authorized by a federal entity. As you may be aware, under the Fair Debt Collection Practices Act (FD CPA), debt collectors are prohibited from using false, deceptive, or misleading representations. Specifically, Section 1692e(8) of the FD CPA states that it is unlawful to falsely represent or imply that collectors are vouched for, bonded by, or affiliated with the United States government or any state or local government. Therefore, it is imperative that you cease all use of false wording or implications that could create a mistaken belief of your affiliation with the United States. In order to rectify this situation promptly, I kindly request that you take the following actions: 1. Immediately cease all current and future use of misleading language that falsely represents or implies an affiliation with the United States. 2. Promptly correct any misleading communications previously sent to me or any other consumers, providing an updated document expunging any false representation. 3. Confirm in writing within [state a reasonable timeframe, e.g., 10 business days] of receiving this letter that you have halted all false or misleading representations and that steps have been taken to rectify the situation. Failure to comply with my request may result in further legal action to protect my rights under the FD CPA. Any continuing attempts to mislead or deceive consumers will not be taken lightly and will be reported to the appropriate authorities. I trust that you will investigate this matter thoroughly and resolve it promptly. Your cooperation in rectifying this situation is greatly appreciated. I look forward to receiving written confirmation of your actions and a resolution to this matter. Thank you for your immediate attention to this serious matter. Yours sincerely, [Your Name] [Your Contact Information]
