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: Nevada Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities — False Representation or Implication that the Debt Collector is Vouched for, Bonded by, or Affiliated with the United States Introduction: When dealing with debt collectors, it is crucial to be aware of your rights under the Fair Debt Collection Practices Act (FD CPA). One specific violation of the FD CPA involves false or misleading misrepresentations made by debt collectors, particularly regarding their affiliation with the United States government. In Nevada, if you encounter a debt collector who falsely represents or implies that they are vouched for, bonded by, or affiliated with the United States, it is important to respond appropriately. This letter template will help you inform the debt collector of their violation and request that they cease such misrepresentations. Letter Template: Nevada Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities — False Representation or Implication that the Debt Collector is Vouched for, Bonded by, or Affiliated with the United States [Your Name] [Your Address] [City, State, ZIP] [Date] [Debt Collector's Name] [Debt Collector's Address] [City, State, ZIP] Subject: Notice of False or Misleading Misrepresentation in Collection Activities Dear [Debt Collector's Name], I am writing to bring your attention to a serious violation of the Fair Debt Collection Practices Act (FD CPA) in relation to your collection activities. It has come to my attention that you have falsely represented or implied that you are vouched for, bonded by, or affiliated with the United States. Your actions in this matter are in clear violation of Section 1692e(9) of the FD CPA, which prohibits debt collectors from making false or misleading representations. Specifically, I have received correspondence from you asserting or implying that you are somehow associated with or endorsed by the United States government. This misrepresentation is a deceptive tactic that misleads and intimidates consumers, and it is unacceptable. I demand that you immediately cease and desist from making any further false or misleading representations that you are vouched for, bonded by, or affiliated with the United States or any government entity. Failure to comply with this demand will leave me no choice but to take appropriate legal action to protect my rights under the FD CPA. Additionally, I request that you provide a written response acknowledging the receipt of this letter and confirming your commitment to cease the mentioned misrepresentations. Your prompt attention to this matter is expected within [10-15 business days] from the date of receiving this correspondence. Furthermore, I would appreciate your clarification regarding any other misleading misrepresentations made during the course of your collection activities. I am prepared to take further legal action should I discover additional violations. Please be advised that all communication related to this debt collection matter must be in writing to ensure accuracy and to allow for proper documentation. Thank you for your immediate attention to this matter. I trust that you will rectify this violation promptly and refrain from engaging in such deceptive practices in the future. Failure to comply will result in appropriate legal action and a formal complaint filed with the Consumer Financial Protection Bureau, as well as other relevant regulatory bodies. I look forward to receiving your response as soon as possible. Sincerely, [Your Name] [Your Contact Information]
