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."
Subject: Letter Alerting Debt Collector of False or Misleading Representation regarding Affiliation with the United States [Your Name] [Your Address] [City, State, ZIP] [Email Address] [Phone Number] [Date] [Debt Collector's Name] [Debt Collection Agency Name] [Agency Address] [City, State, ZIP] Dear [Debt Collector's Name], Re: False Representation or Implication of Affiliation with the United States I am writing to address a matter of grave concern regarding the recent collection activities undertaken by your agency in relation to the alleged debt associated with my account. Upon careful examination of your communication, specifically the content and wording of your correspondence, it has come to my attention that you have been engaged in misleading or false representations, specifically regarding an implication of affiliation with the United States. This false representation potentially misleads and misinforms consumers regarding their rights and the responsibilities of your agency. It is important to point out that under the Fair Debt Collection Practices Act (FD CPA), specifically in Section 807(10), false representations or implications that a debt collector is vouched for, bonded by, or affiliated with the United States are strictly prohibited. This regulation exists to safeguard consumers from deceptive practices and ensure fair treatment by debt collectors. Despite this statutory requirement, your recent correspondence received on [date of receipt] indicated a false representation that your agency is affiliated with the United States. This misleading statement has caused confusion and mistrust in your collection efforts. It is imperative that you rectify this situation immediately and refrain from any further misleading representations. As a responsible consumer, I urge you to take corrective action by providing a written response within 15 days of your receipt of this letter. In your response, I expect the following: 1. A written acknowledgement that the false representation regarding affiliation with the United States has been noted and will be rectified immediately. 2. A commitment to comply with the FD CPA and refrain from any future false or misleading representations. 3. A confirmation that my account will be corrected, and no further collection activities will be pursued until this matter is resolved. Please understand that failure to address this issue promptly or any disregard for consumer rights outlined in the FD CPA will leave me with no choice but to pursue legal remedies available to me, including filing a complaint with the appropriate regulatory agencies. I trust that you will handle this matter with utmost urgency and professionalism. This will not only rectify the current situation but also foster a more transparent and compliant environment within your debt collection agency. To ensure legal compliance and for my own records, I request all further correspondence be made in writing. Please send all future communications to the address listed at the top of this letter. Thank you for your immediate attention to this matter. I hope that you will learn from this situation and enact necessary changes to ensure the fair treatment of all consumers. Sincerely, [Your Name]Subject: Letter Alerting Debt Collector of False or Misleading Representation regarding Affiliation with the United States [Your Name] [Your Address] [City, State, ZIP] [Email Address] [Phone Number] [Date] [Debt Collector's Name] [Debt Collection Agency Name] [Agency Address] [City, State, ZIP] Dear [Debt Collector's Name], Re: False Representation or Implication of Affiliation with the United States I am writing to address a matter of grave concern regarding the recent collection activities undertaken by your agency in relation to the alleged debt associated with my account. Upon careful examination of your communication, specifically the content and wording of your correspondence, it has come to my attention that you have been engaged in misleading or false representations, specifically regarding an implication of affiliation with the United States. This false representation potentially misleads and misinforms consumers regarding their rights and the responsibilities of your agency. It is important to point out that under the Fair Debt Collection Practices Act (FD CPA), specifically in Section 807(10), false representations or implications that a debt collector is vouched for, bonded by, or affiliated with the United States are strictly prohibited. This regulation exists to safeguard consumers from deceptive practices and ensure fair treatment by debt collectors. Despite this statutory requirement, your recent correspondence received on [date of receipt] indicated a false representation that your agency is affiliated with the United States. This misleading statement has caused confusion and mistrust in your collection efforts. It is imperative that you rectify this situation immediately and refrain from any further misleading representations. As a responsible consumer, I urge you to take corrective action by providing a written response within 15 days of your receipt of this letter. In your response, I expect the following: 1. A written acknowledgement that the false representation regarding affiliation with the United States has been noted and will be rectified immediately. 2. A commitment to comply with the FD CPA and refrain from any future false or misleading representations. 3. A confirmation that my account will be corrected, and no further collection activities will be pursued until this matter is resolved. Please understand that failure to address this issue promptly or any disregard for consumer rights outlined in the FD CPA will leave me with no choice but to pursue legal remedies available to me, including filing a complaint with the appropriate regulatory agencies. I trust that you will handle this matter with utmost urgency and professionalism. This will not only rectify the current situation but also foster a more transparent and compliant environment within your debt collection agency. To ensure legal compliance and for my own records, I request all further correspondence be made in writing. Please send all future communications to the address listed at the top of this letter. Thank you for your immediate attention to this matter. I hope that you will learn from this situation and enact necessary changes to ensure the fair treatment of all consumers. Sincerely, [Your Name]
