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."
Subject: Addressing Misleading Collection Activity — Debt Dispute Notification [Your Name] [Your Address] [City, State, ZIP Code] [Date] [Debt Collection Agency Name] [Address] [City, State, ZIP Code] Re: Account Number: [Insert Account Number] Debt Amount: [Insert Debt Amount] Date of Last Communication: [Insert Date of Last Communication] Dear Sir/Madam, I am writing to bring to your attention some concerns regarding the collection activities conducted by your agency in regard to the above-mentioned debt. This letter serves as formal notification that I dispute the validity of this debt and wish for you to cease all communication regarding it, as outlined in the Fair Debt Collection Practices Act (FD CPA). I have recently noticed several false or misleading misrepresentations in the collection activities conducted by your agency. It has come to my attention that you have been communicating or threatening to communicate false credit information to others, which is a direct violation of the FD CPA. Specifically, your failure to communicate that this debt is under dispute further exacerbates the misleading nature of these collection activities. As per Section 807(2)(A) of the FD CPA, debt collectors are prohibited from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. Additionally, Section 809(a)(4) of the FD CPA mandates that debt collectors must provide proper validation of the debt upon request. I hereby request immediate validation and verification of this debt, including proof of ownership and any relevant documentation. Please note that any further attempts to collect this debt without properly responding to this dispute and providing required validation will be reported to the appropriate governing bodies, including the Federal Trade Commission and the [Your state's department of consumer affairs]. This may result in severe penalties and potential legal consequences for your agency. I expect prompt action to rectify the situation and ensure that all misleading or false representations cease. Failure to do so within 30 days of your receipt of this letter will leave me with no choice but to pursue legal remedies to protect my rights under the FD CPA. This may include filing a complaint with the aforementioned governing bodies and pursuing legal action against your agency. Please be advised that all future communication regarding this matter should be in writing and sent to the address provided above. Phone calls or any form of communication made outside this stipulation will be considered a violation of the FD CPA. Thank you for your immediate attention to this matter. I trust that you will act responsibly and in compliance with the law. I look forward to receiving the requested debt validation within the given timeframe. Sincerely, [Your Name] [Your Phone Number] [Your Email Address]Subject: Addressing Misleading Collection Activity — Debt Dispute Notification [Your Name] [Your Address] [City, State, ZIP Code] [Date] [Debt Collection Agency Name] [Address] [City, State, ZIP Code] Re: Account Number: [Insert Account Number] Debt Amount: [Insert Debt Amount] Date of Last Communication: [Insert Date of Last Communication] Dear Sir/Madam, I am writing to bring to your attention some concerns regarding the collection activities conducted by your agency in regard to the above-mentioned debt. This letter serves as formal notification that I dispute the validity of this debt and wish for you to cease all communication regarding it, as outlined in the Fair Debt Collection Practices Act (FD CPA). I have recently noticed several false or misleading misrepresentations in the collection activities conducted by your agency. It has come to my attention that you have been communicating or threatening to communicate false credit information to others, which is a direct violation of the FD CPA. Specifically, your failure to communicate that this debt is under dispute further exacerbates the misleading nature of these collection activities. As per Section 807(2)(A) of the FD CPA, debt collectors are prohibited from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. Additionally, Section 809(a)(4) of the FD CPA mandates that debt collectors must provide proper validation of the debt upon request. I hereby request immediate validation and verification of this debt, including proof of ownership and any relevant documentation. Please note that any further attempts to collect this debt without properly responding to this dispute and providing required validation will be reported to the appropriate governing bodies, including the Federal Trade Commission and the [Your state's department of consumer affairs]. This may result in severe penalties and potential legal consequences for your agency. I expect prompt action to rectify the situation and ensure that all misleading or false representations cease. Failure to do so within 30 days of your receipt of this letter will leave me with no choice but to pursue legal remedies to protect my rights under the FD CPA. This may include filing a complaint with the aforementioned governing bodies and pursuing legal action against your agency. Please be advised that all future communication regarding this matter should be in writing and sent to the address provided above. Phone calls or any form of communication made outside this stipulation will be considered a violation of the FD CPA. Thank you for your immediate attention to this matter. I trust that you will act responsibly and in compliance with the law. I look forward to receiving the requested debt validation within the given timeframe. Sincerely, [Your Name] [Your Phone Number] [Your Email Address]
