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."
Dear [Debt Collector's Name], RE: False or Misleading Misrepresentations in Collection Activities — Communicating False Credit Information without Communicating Disputed Debt Status I am writing to you today to address a matter of great concern regarding the collection activities related to my debt. It has come to my attention that your agency has been engaging in false or misleading misrepresentations by communicating false credit information without taking into account that the debt in question is currently being disputed. Firstly, I want to bring to your attention that under the Fair Debt Collection Practices Act (FD CPA), debt collectors are prohibited from engaging in any deceptive or misleading practices when attempting to collect a debt. By failing to communicate that a debt is disputed, you are providing false credit information to credit reporting agencies and potentially damaging my creditworthiness. Furthermore, the FD CPA dictates that debt collectors must provide accurate and truthful information regarding the status of a debt. By not informing credit reporting agencies that the debt is being disputed, you are purposefully misrepresenting the true state of the debt and potentially harming my financial reputation. I must emphasize that I have raised a legitimate dispute regarding the validity of this debt and have provided all necessary documentation to support my claim. Based on this, I request that you promptly update all credit reporting agencies you have previously reported to, indicating that this debt is currently under dispute. Failure to comply with this request may result in legal action being taken against your agency for violations of the FD CPA. I trust that you will take this matter seriously and rectify the false or misleading misrepresentations that have been made thus far. I kindly request written confirmation within [insert time frame] that you have taken the appropriate measures to remove any false credit information associated with this disputed debt from all credit reporting agencies. Additionally, please acknowledge in writing that you will cease any further communication or threats to communicate false credit information until the dispute regarding this debt has been fully resolved. Thank you for your immediate attention to this matter. I expect a prompt resolution, as well as the necessary corrections made to my credit report. Sincerely, [Your Name] [Your Address] [City, State, ZIP Code] [Phone Number] [Email Address]
