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:
"(8) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed."
[Your Name] [Your Address] [City, State, ZIP Code] [Date] [Debt Collector's Name] [Debt Collector's Address] [City, State, ZIP Code] Subject: Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities Dear [Debt Collector's Name], I am writing to express my concern regarding the recent collection activities conducted by your firm in relation to an alleged debt. It has come to my attention that certain misrepresentations have been made, which I believe to be false and misleading under the provisions of the Fair Debt Collection Practices Act (FD CPA). Firstly, I want to dispute the accuracy of the credit information that has been communicated by your firm. I have recently been made aware that you have provided false credit information to third parties without explicitly mentioning that the debt in question is currently being disputed. This misrepresentation not only violates my rights as a consumer but also undermines the integrity of the debt collection process. Under the FD CPA, it is crucial for debt collectors to accurately communicate the status of a debt and inform recipients that the debt in question is being disputed. Failure to do so can be considered a violation of the law, and persistent misrepresentation in collection activities may result in legal action being taken against the debt collector. It is my expectation that your firm immediately ceases any further communication or threatening communication of false credit information to any person or entity, including but not limited to credit bureaus, potential creditors, employers, or other relevant parties. I request that you take the necessary steps to rectify any misrepresentations made thus far and ensure that accurate information is reported going forward. I also kindly request that your firm provides me with a written confirmation within 30 days of receiving this letter, acknowledging the receipt of my dispute, a complete investigation of the alleged debt, and an update regarding any corrective measures undertaken as a result. Moreover, I ask that you provide me with a detailed breakdown of the alleged debt, including the original creditor's name, account number, and any supporting documentation you possess. Please be advised that any further communication from your firm, aside from the confirmation of receipt and subsequent resolution of this matter, will be considered harassment and dealt with accordingly under applicable federal and state laws. I trust that you will treat this matter with the utmost seriousness and comply with the obligations imposed by the FD CPA. Your prompt attention and resolution of this issue will be highly appreciated. Thank you for your immediate attention to this matter. Sincerely, [Your Name]
