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] [Date] [Debt Collection Agency Name] [Debt Collection Agency Address] [City, State, ZIP] Subject: False or Misleading Misrepresentations in Debt Collection Activities Dear Sir/Madam, I am writing in response to the recent communication received from your agency regarding a debt allegedly owed by me. This letter is to inform you of the false or misleading misrepresentations in your collection activities and to request immediate action to rectify this situation. Upon reviewing your correspondence, I have noticed that your agency has engaged in the practice of communicating or threatening to communicate false credit information to various parties, including myself and others connected to this debt. Specifically, your agency has failed to communicate that this debt is disputed, despite my clear declaration of such dispute in previous correspondence. According to the Fair Debt Collection Practices Act (FD CPA), it is illegal for debt collectors to engage in misleading or deceptive practices during the collection process, which includes the communication of false credit information. By failing to disclose the disputed nature of this debt, your agency is in clear violation of this federal law. I would like to bring to your attention that making false or misleading representations during debt collection activities can result in legal actions against your agency, including but not limited to statutory damages, attorney fees, and injunctive relief. I encourage your agency to promptly take corrective measures to rectify this issue and ensure full compliance with the FD CPA. In light of these misleading collection activities, I request that you take the following actions: 1. Cease the communication or threatening communication of false credit information to any person, including myself and any third parties associated with this debt. 2. Clearly communicate to all credit reporting agencies, without delay, that this debt is in dispute. 3. Update your records to reflect that this debt is disputed by me and provide written confirmation within 30 days. 4. Refrain from any further collection activities until the disputed debt is fully validated and accurate information is provided. Failure to comply with these requests and failure to rectify the misleading practices within the given time period will leave me with no choice but to take appropriate legal action to protect my rights and seek redress. I expect that your agency will handle this matter promptly and professionally. Please acknowledge receipt of this letter in writing within 10 days to confirm that appropriate actions are being taken to resolve this issue. Thank you for your immediate attention to this matter. Sincerely, [Your Name][Your Name] [Your Address] [City, State, ZIP] [Date] [Debt Collection Agency Name] [Debt Collection Agency Address] [City, State, ZIP] Subject: False or Misleading Misrepresentations in Debt Collection Activities Dear Sir/Madam, I am writing in response to the recent communication received from your agency regarding a debt allegedly owed by me. This letter is to inform you of the false or misleading misrepresentations in your collection activities and to request immediate action to rectify this situation. Upon reviewing your correspondence, I have noticed that your agency has engaged in the practice of communicating or threatening to communicate false credit information to various parties, including myself and others connected to this debt. Specifically, your agency has failed to communicate that this debt is disputed, despite my clear declaration of such dispute in previous correspondence. According to the Fair Debt Collection Practices Act (FD CPA), it is illegal for debt collectors to engage in misleading or deceptive practices during the collection process, which includes the communication of false credit information. By failing to disclose the disputed nature of this debt, your agency is in clear violation of this federal law. I would like to bring to your attention that making false or misleading representations during debt collection activities can result in legal actions against your agency, including but not limited to statutory damages, attorney fees, and injunctive relief. I encourage your agency to promptly take corrective measures to rectify this issue and ensure full compliance with the FD CPA. In light of these misleading collection activities, I request that you take the following actions: 1. Cease the communication or threatening communication of false credit information to any person, including myself and any third parties associated with this debt. 2. Clearly communicate to all credit reporting agencies, without delay, that this debt is in dispute. 3. Update your records to reflect that this debt is disputed by me and provide written confirmation within 30 days. 4. Refrain from any further collection activities until the disputed debt is fully validated and accurate information is provided. Failure to comply with these requests and failure to rectify the misleading practices within the given time period will leave me with no choice but to take appropriate legal action to protect my rights and seek redress. I expect that your agency will handle this matter promptly and professionally. Please acknowledge receipt of this letter in writing within 10 days to confirm that appropriate actions are being taken to resolve this issue. Thank you for your immediate attention to this matter. Sincerely, [Your Name]
