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."
Title: Houston Texas — Informing Debt Collector of False Representations Claiming Affiliation with the United States Dear [Debt Collector's Name], I hope this letter finds you well. I am writing to bring to your attention an issue of concern regarding your recent collection activities related to an outstanding debt purportedly associated with my name. It has come to my attention that false or misleading representations have been employed, specifically implying that your agency is vouched for, bonded by, or affiliated with the United States government. I am confident that this error is unintentional and can be resolved promptly. Firstly, it is vital to clarify that as a resident of Houston, Texas, I am well aware of the various laws and regulations that govern debt collection practices. The Fair Debt Collection Practices Act (FD CPA) explicitly prohibits deceptive or misleading tactics employed by debt collectors, including falsely claiming affiliation with any government entity such as the United States. By doing so, debt collectors risk not only tarnishing their own reputation but also violating the rights of debtors like myself. I kindly request that you cease all activities that involve falsely representing or implying an affiliation with the United States government immediately. By continuing to engage in such misleading practices, your agency may be exposed to legal consequences under the FD CPA. It is essential for me to clearly understand the nature of my debt and its legitimacy. Therefore, I kindly request that you provide me with a written verification of the debt within the next 30 days, as required by the FD CPA. This verification should include the original creditor's name, the debt amount, and any supporting documentation, such as statements or contracts. It is imperative that this information be accurate and legitimate, as any false or non-existent debts will not be tolerated. Moreover, I urge you to review and revise your collection methods and training procedures to ensure that your agency is compliant with all applicable laws and regulations. This will not only protect your agency's reputation but also demonstrate your commitment to ethical and truthful practices in the debt collection field. In conclusion, I sincerely hope that this letter provides you with insight into the potential misrepresentation perpetuated by your agency. By addressing this issue promptly and taking the necessary actions to rectify it, you can prevent any further damage to your reputation and ensure legal compliance. Please acknowledge receipt of this letter within five business days and confirm that you will cease the misleading practices in question. Thank you for your prompt attention to this matter. I trust that we can resolve this issue amicably and bring it to a satisfactory conclusion. Sincerely, [Your Full Name] [Your Address] [City, State, ZIP] [Phone Number] [Email Address]Title: Houston Texas — Informing Debt Collector of False Representations Claiming Affiliation with the United States Dear [Debt Collector's Name], I hope this letter finds you well. I am writing to bring to your attention an issue of concern regarding your recent collection activities related to an outstanding debt purportedly associated with my name. It has come to my attention that false or misleading representations have been employed, specifically implying that your agency is vouched for, bonded by, or affiliated with the United States government. I am confident that this error is unintentional and can be resolved promptly. Firstly, it is vital to clarify that as a resident of Houston, Texas, I am well aware of the various laws and regulations that govern debt collection practices. The Fair Debt Collection Practices Act (FD CPA) explicitly prohibits deceptive or misleading tactics employed by debt collectors, including falsely claiming affiliation with any government entity such as the United States. By doing so, debt collectors risk not only tarnishing their own reputation but also violating the rights of debtors like myself. I kindly request that you cease all activities that involve falsely representing or implying an affiliation with the United States government immediately. By continuing to engage in such misleading practices, your agency may be exposed to legal consequences under the FD CPA. It is essential for me to clearly understand the nature of my debt and its legitimacy. Therefore, I kindly request that you provide me with a written verification of the debt within the next 30 days, as required by the FD CPA. This verification should include the original creditor's name, the debt amount, and any supporting documentation, such as statements or contracts. It is imperative that this information be accurate and legitimate, as any false or non-existent debts will not be tolerated. Moreover, I urge you to review and revise your collection methods and training procedures to ensure that your agency is compliant with all applicable laws and regulations. This will not only protect your agency's reputation but also demonstrate your commitment to ethical and truthful practices in the debt collection field. In conclusion, I sincerely hope that this letter provides you with insight into the potential misrepresentation perpetuated by your agency. By addressing this issue promptly and taking the necessary actions to rectify it, you can prevent any further damage to your reputation and ensure legal compliance. Please acknowledge receipt of this letter within five business days and confirm that you will cease the misleading practices in question. Thank you for your prompt attention to this matter. I trust that we can resolve this issue amicably and bring it to a satisfactory conclusion. Sincerely, [Your Full Name] [Your Address] [City, State, ZIP] [Phone Number] [Email Address]
