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: Virginia 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 Keywords: Virginia debt collector, false representation, misleading misrepresentations, collection activities, vouched for, bonded by, affiliated with the United States Dear [Debt Collector's Name], I hope this letter finds you well. I am writing to bring to your attention some concerns regarding the collection activities undertaken by your agency. It has come to my attention that there have been false or misleading representations made by your agency, specifically suggesting that you are vouched for, bonded by, or affiliated with the United States. This practice is not only deceptive but also in violation of the laws and regulations set forth in the state of Virginia. As a responsible debtor, I have taken the time to thoroughly review the laws pertaining to debt collection practices in Virginia. Section [insert relevant section] of the Virginia Code explicitly prohibits debt collectors from making false representations or implications that they are vouched for, bonded by, or affiliated with the United States or any government agency. Therefore, I kindly request that you review your records and cease all misleading representations that imply your affiliation with the United States or any government entity. It is important to note that adherence to the Virginia Code and federal guidelines set forth by the Fair Debt Collection Practices Act (FD CPA) is crucial to maintain your agency's reputation as a trustworthy and compliant debt collector. Moreover, I urge you to provide a written response within [reasonable timeframe] addressing the concerns outlined in this letter. Your response should clearly state your commitment to ceasing such false or misleading representations in your collection activities moving forward. Failure to address this matter, rectify the situation, or continue engaging in deceptive practices may result in further legal action pursued by myself to protect my rights as a debtor. Please consider this letter as a formal notice to cease the false representation or implication that your debt collection agency is vouched for, bonded by, or affiliated with the United States. Please be aware that I am fully aware of my rights as a consumer and will not hesitate to take further action if necessary. Thank you for your attention to this matter. I look forward to receiving your immediate response and resolution. Sincerely, [Your Name] [Your Address] [City, State, ZIP] [Phone Number] [Email Address]
