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] [Email Address] [Phone Number] [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 address serious concerns regarding your recent collection activities pertaining to a debt allegedly owed by myself. I have discovered that your communication and actions regarding this debt contain false or misleading misrepresentations, which is a violation of the Fair Debt Collection Practices Act (FD CPA). I am deeply troubled by your unethical practices and insist that you cease these actions immediately. First and foremost, it has come to my attention that you have been communicating false credit information to others regarding the status of the debt in question. Specifically, you have failed to inform relevant parties that the debt is under dispute, despite my explicit dispute notification sent to you on [date of dispute letter]. This omission tarnishes my creditworthiness and violates the FD CPA's provision that prohibits the communication of false credit information. Furthermore, your collection activities have involved threatening to communicate false credit information to individuals connected to me, such as my employer, friends, or family members. This is a clear violation of the FD CPA, which explicitly prohibits debt collectors from making false threats or disclosing personal financial information to third parties. You are well aware that such actions can cause unnecessary harm and distress to me and those associated with me. In light of these violations and the seriousness of your actions, I demand that you take the following steps immediately to rectify the situation: 1. Cease all collection activities related to the disputed debt until a thorough investigation is conducted. 2. Correct and update any credit reporting agencies you have previously provided false credit information to, reflecting the true nature of the disputed debt and its status. 3. Provide written confirmation that all collection efforts regarding the disputed debt will cease and desist, both in communication with me and with any third parties. 4. Provide written confirmation that no further disclosure of my personal financial information will occur, as mandated by the FD CPA. 5. Fully cooperate and provide all relevant documentation and evidence regarding the alleged debt within 30 days, allowing me to assess its validity and determine appropriate actions. Be advised that failure to comply with my demands within the specified timeframe will leave me no choice but to pursue legal action against your agency for FD CPA violations, seeking all remedies available under the law, including actual damages, statutory damages up to $1,000, and legal costs. I expect a prompt and satisfactory response within 30 days from the receipt of this letter. Your response should be sent to the address provided above. Please note that all communication regarding this matter must be in writing. I insist on complete compliance, as the FD CPA is in place to protect consumers like myself from abusive and illegal debt collection practices. Your continued non-compliance will not be tolerated and will lead to further legal action without hesitation. Thank you for your immediate attention to this matter. Sincerely, [Your Name][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: Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities Dear [Debt Collector's Name], I am writing to address serious concerns regarding your recent collection activities pertaining to a debt allegedly owed by myself. I have discovered that your communication and actions regarding this debt contain false or misleading misrepresentations, which is a violation of the Fair Debt Collection Practices Act (FD CPA). I am deeply troubled by your unethical practices and insist that you cease these actions immediately. First and foremost, it has come to my attention that you have been communicating false credit information to others regarding the status of the debt in question. Specifically, you have failed to inform relevant parties that the debt is under dispute, despite my explicit dispute notification sent to you on [date of dispute letter]. This omission tarnishes my creditworthiness and violates the FD CPA's provision that prohibits the communication of false credit information. Furthermore, your collection activities have involved threatening to communicate false credit information to individuals connected to me, such as my employer, friends, or family members. This is a clear violation of the FD CPA, which explicitly prohibits debt collectors from making false threats or disclosing personal financial information to third parties. You are well aware that such actions can cause unnecessary harm and distress to me and those associated with me. In light of these violations and the seriousness of your actions, I demand that you take the following steps immediately to rectify the situation: 1. Cease all collection activities related to the disputed debt until a thorough investigation is conducted. 2. Correct and update any credit reporting agencies you have previously provided false credit information to, reflecting the true nature of the disputed debt and its status. 3. Provide written confirmation that all collection efforts regarding the disputed debt will cease and desist, both in communication with me and with any third parties. 4. Provide written confirmation that no further disclosure of my personal financial information will occur, as mandated by the FD CPA. 5. Fully cooperate and provide all relevant documentation and evidence regarding the alleged debt within 30 days, allowing me to assess its validity and determine appropriate actions. Be advised that failure to comply with my demands within the specified timeframe will leave me no choice but to pursue legal action against your agency for FD CPA violations, seeking all remedies available under the law, including actual damages, statutory damages up to $1,000, and legal costs. I expect a prompt and satisfactory response within 30 days from the receipt of this letter. Your response should be sent to the address provided above. Please note that all communication regarding this matter must be in writing. I insist on complete compliance, as the FD CPA is in place to protect consumers like myself from abusive and illegal debt collection practices. Your continued non-compliance will not be tolerated and will lead to further legal action without hesitation. Thank you for your immediate attention to this matter. Sincerely, [Your Name]
