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."
[Your Name] [Your Address] [City, State, ZIP Code] [Email Address] [Phone Number] [Date] [Debt Collector's Name] [Debt Collector's Address] [City, State, ZIP Code] Subject: Cease and Desist False Representations regarding Affiliation with the United States Dear [Debt Collector's Name], I am writing to express my concern regarding your recent collection activities relating to the alleged debt associated with [Account Information]. It has come to my attention that your company has made false or misleading misrepresentations regarding your vouched-for, bonded by, or affiliation with the United States. Such misrepresentations violate the Fair Debt Collection Practices Act (FD CPA) and the laws of the state of Rhode Island. Please be advised that I dispute the validity of the alleged debt and I require that all collection activities cease until appropriate validation of the debt is provided. Moreover, the false representation or implication that your company is backed, bonded by, or affiliated with the United States is misleading and may potentially mislead consumers. Pursuant to the FD CPA, you are prohibited from making any false, deceptive, or misleading representation or implication in connection with the collection of any debt. Specifically, Section 1692e provides that debt collectors cannot use any false or misleading representation or imply that they are vouched for, bonded by, or affiliated with the United States or any governmental entity. I hereby demand that you immediately cease and desist from engaging in any collection activities that involve false representation or implication that your company is vouched for, bonded by, or affiliated with the United States or any governmental entity. Failure to comply with this demand may result in legal action being taken against your company. Furthermore, I request that you provide me with written confirmation within 30 days from the receipt of this letter, stating that you have ceased all collection activities related to this alleged debt and that you will refrain from making any false or misleading representations in the future. Please note that any further collection activities, contact attempts, or failure to respond accordingly to this letter will be considered a willful violation of the FD CPA and Rhode Island state law. In such case, I will not hesitate to pursue all available legal remedies to protect my rights and seek appropriate damages. I kindly ask that all future communication be made in writing and sent to the address provided in this letter. Phone calls regarding this matter will not be accepted. Thank you for your immediate attention to this matter. I trust that you will handle this dispute with the professionalism and compliance required by law. I look forward to receiving your prompt response. Yours sincerely, [Your Name]
