Section 807 of the Fair Debt Collection Practices Act, 15 U.S.C. Sec. 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:
"(1) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof."
Dear [Debt Collector's Name], I am writing to inform you of false or misleading misrepresentations in your collection activities, specifically pertaining to the false representation or implication that your debt collection agency is vouched for, bonded by, or affiliated with the United States government. As a resident of Fairfax, Virginia, I am well-aware of my rights under the Fair Debt Collection Practices Act (FD CPA), which prohibits debt collectors from engaging in deceptive or misleading practices. It has come to my attention that your agency has been falsely implying a connection to the United States government in an attempt to create a false sense of legitimacy. This misleading representation may lead consumers to believe that they have certain obligations or may face severe consequences if they fail to comply with your demands. According to 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. Section 807(10) of the Act specifically states that it is illegal for a debt collector to falsely represent the character, amount, or legal status of any debt. Implying an affiliation with the United States government falls under this prohibited practice, as it is a misleading representation that can exploit consumers' trust and understanding of their obligations. It is essential for you to understand that such misleading tactics not only violate federal law but also demonstrate a lack of fair and ethical debt collection practices. It is your responsibility to accurately represent your organization and provide truthful information to consumers. Therefore, I am requesting that you immediately cease any false or misleading representation that implies your agency is vouched for, bonded by, or affiliated with the United States government. Failure to comply with this request may result in legal action against your debt collection agency, as allowed by the FD CPA. I trust that you will take this matter seriously and address it accordingly, ensuring that all future collection activities are conducted in full compliance with the law. Please provide written confirmation of your understanding and compliance with this request within [reasonable time frame] to avoid any further escalation. Thank you for your prompt attention to this matter. Sincerely, [Your Name] [Your Address] [City, State, ZIP Code] [Phone Number] [Email Address]Dear [Debt Collector's Name], I am writing to inform you of false or misleading misrepresentations in your collection activities, specifically pertaining to the false representation or implication that your debt collection agency is vouched for, bonded by, or affiliated with the United States government. As a resident of Fairfax, Virginia, I am well-aware of my rights under the Fair Debt Collection Practices Act (FD CPA), which prohibits debt collectors from engaging in deceptive or misleading practices. It has come to my attention that your agency has been falsely implying a connection to the United States government in an attempt to create a false sense of legitimacy. This misleading representation may lead consumers to believe that they have certain obligations or may face severe consequences if they fail to comply with your demands. According to 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. Section 807(10) of the Act specifically states that it is illegal for a debt collector to falsely represent the character, amount, or legal status of any debt. Implying an affiliation with the United States government falls under this prohibited practice, as it is a misleading representation that can exploit consumers' trust and understanding of their obligations. It is essential for you to understand that such misleading tactics not only violate federal law but also demonstrate a lack of fair and ethical debt collection practices. It is your responsibility to accurately represent your organization and provide truthful information to consumers. Therefore, I am requesting that you immediately cease any false or misleading representation that implies your agency is vouched for, bonded by, or affiliated with the United States government. Failure to comply with this request may result in legal action against your debt collection agency, as allowed by the FD CPA. I trust that you will take this matter seriously and address it accordingly, ensuring that all future collection activities are conducted in full compliance with the law. Please provide written confirmation of your understanding and compliance with this request within [reasonable time frame] to avoid any further escalation. Thank you for your prompt attention to this matter. Sincerely, [Your Name] [Your Address] [City, State, ZIP Code] [Phone Number] [Email Address]
