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: Debt Collection Dispute — False or Misleading Misrepresentations Dear [Debt Collection Agency], I am writing to inform you that I dispute the validity of the debt you are currently attempting to collect from me. This letter serves as a formal complaint regarding the false or misleading misrepresentations made by your agency in the collection activities concerning this alleged debt. I strongly believe that your agency has violated the Fair Debt Collection Practices Act (FD CPA), specifically under Section 807(8) which prohibits debt collectors from communicating or threatening to communicate false credit information to any person. In addition, Section 808(6) states that debt collectors must disclose to the consumer in every communication that the debt is disputed. Unfortunately, your agency has failed to comply with these regulations. Please note the following false or misleading misrepresentations made by your agency in relation to this alleged debt: 1. False Credit Reporting: Your agency has communicated or threatened to communicate adverse credit information to third parties without verifying the validity of the debt or providing any evidence supporting your claim. This action is a clear violation of the FD CPA. 2. Failure to Disclose Disputed Debt: Your agency has consistently failed to disclose the fact that I dispute the validity of this debt in all written communication. This omission is in direct conflict with the FD CPA, which obligates debt collectors to inform consumers about the disputed status of the debt. I demand that your agency immediately cease all collection activities concerning this alleged debt until you have completed a thorough investigation into its validity. Furthermore, I request that you provide me with the following documentation: 1. The original signed agreement or contract that substantiates the existence and validity of this debt. 2. A detailed account statement showing a clear breakdown of the principal amount, interest charges, and any additional fees or charges applied to this alleged debt. 3. Any documentation proving that your agency is authorized to collect this debt on behalf of the original creditor. Failure to provide the requested documentation within 30 days of receiving this letter will be considered a concession by your agency that you are unable to substantiate the legitimacy of this alleged debt. Consequently, I expect your agency to cease all collection activities and remove any negative credit reporting associated with this debt from my credit file immediately. I also want to make it explicitly clear that I am fully aware of my rights under the FD CPA and other applicable federal and state laws. Any further violation of these regulations, such as continued false credit reporting or failure to validate this debt, will result in the initiation of legal action against your agency. Kindly acknowledge receipt of this letter within 10 days and provide me with a written response addressing the concerns raised. All future communication regarding this matter should be sent to the address mentioned above. Sincerely, [Your Name][Your Name] [Your Address] [City, State, ZIP] [Date] [Debt Collection Agency Name] [Debt Collection Agency Address] [City, State, ZIP] Subject: Debt Collection Dispute — False or Misleading Misrepresentations Dear [Debt Collection Agency], I am writing to inform you that I dispute the validity of the debt you are currently attempting to collect from me. This letter serves as a formal complaint regarding the false or misleading misrepresentations made by your agency in the collection activities concerning this alleged debt. I strongly believe that your agency has violated the Fair Debt Collection Practices Act (FD CPA), specifically under Section 807(8) which prohibits debt collectors from communicating or threatening to communicate false credit information to any person. In addition, Section 808(6) states that debt collectors must disclose to the consumer in every communication that the debt is disputed. Unfortunately, your agency has failed to comply with these regulations. Please note the following false or misleading misrepresentations made by your agency in relation to this alleged debt: 1. False Credit Reporting: Your agency has communicated or threatened to communicate adverse credit information to third parties without verifying the validity of the debt or providing any evidence supporting your claim. This action is a clear violation of the FD CPA. 2. Failure to Disclose Disputed Debt: Your agency has consistently failed to disclose the fact that I dispute the validity of this debt in all written communication. This omission is in direct conflict with the FD CPA, which obligates debt collectors to inform consumers about the disputed status of the debt. I demand that your agency immediately cease all collection activities concerning this alleged debt until you have completed a thorough investigation into its validity. Furthermore, I request that you provide me with the following documentation: 1. The original signed agreement or contract that substantiates the existence and validity of this debt. 2. A detailed account statement showing a clear breakdown of the principal amount, interest charges, and any additional fees or charges applied to this alleged debt. 3. Any documentation proving that your agency is authorized to collect this debt on behalf of the original creditor. Failure to provide the requested documentation within 30 days of receiving this letter will be considered a concession by your agency that you are unable to substantiate the legitimacy of this alleged debt. Consequently, I expect your agency to cease all collection activities and remove any negative credit reporting associated with this debt from my credit file immediately. I also want to make it explicitly clear that I am fully aware of my rights under the FD CPA and other applicable federal and state laws. Any further violation of these regulations, such as continued false credit reporting or failure to validate this debt, will result in the initiation of legal action against your agency. Kindly acknowledge receipt of this letter within 10 days and provide me with a written response addressing the concerns raised. All future communication regarding this matter should be sent to the address mentioned above. Sincerely, [Your Name]
