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: "(16) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency . . . ."
Dear [Debt Collector's Name], I hope this letter finds you well. I am writing to address a matter of concern regarding your recent collection activities pertaining to a debt allegedly owed by [Your Name]. It has come to my attention that your interactions, both written and verbal, have made false or misleading misrepresentations, specifically attempting to falsely represent or imply that you operate or are employed by a Consumer Reporting Agency (CRA). First and foremost, I would like to clarify that a Consumer Reporting Agency, as defined under the Fair Credit Reporting Act (FCRA), is an organization that collects and provides individuals' credit information to creditors, lenders, and other authorized entities. Your attempts to portray yourselves in this capacity are not only inaccurate but also deceptive. It is essential to note that your collection activities should adhere strictly to the guidelines set forth by the Fair Debt Collection Practices Act (FD CPA). This federal law explicitly prohibits debt collectors from engaging in any false, deceptive, or misleading representations in the pursuit of debt collection. By implying a connection to a Consumer Reporting Agency, you have violated these provisions. Such false representations can cause harm to consumers, leading to confusion and potential damage to accurate credit reporting and consumer rights. Therefore, I kindly request that you cease and desist any further communication or attempt to imply any connection with a Consumer Reporting Agency in your collection activities related to the alleged debt. Additionally, I expect you to correct any misrepresentations made thus far. I kindly ask that you promptly provide a written confirmation, within [number of days], of your commitment to rectify the false or misleading information provided in your previous communications. Failure to comply with this request may result in further action, which could include reporting your misleading collection activities to the appropriate regulatory bodies and pursuing legal remedies available to address this matter fully. I trust that you will treat this matter with the utmost seriousness and take immediate action to rectify the false or misleading representations in your collection activities. Your cooperation in this regard will be greatly appreciated. Thank you for your attention to this matter. Sincerely, [Your Name] [Your Address] [City, State, ZIP Code] [Phone Number] [Email Address]Dear [Debt Collector's Name], I hope this letter finds you well. I am writing to address a matter of concern regarding your recent collection activities pertaining to a debt allegedly owed by [Your Name]. It has come to my attention that your interactions, both written and verbal, have made false or misleading misrepresentations, specifically attempting to falsely represent or imply that you operate or are employed by a Consumer Reporting Agency (CRA). First and foremost, I would like to clarify that a Consumer Reporting Agency, as defined under the Fair Credit Reporting Act (FCRA), is an organization that collects and provides individuals' credit information to creditors, lenders, and other authorized entities. Your attempts to portray yourselves in this capacity are not only inaccurate but also deceptive. It is essential to note that your collection activities should adhere strictly to the guidelines set forth by the Fair Debt Collection Practices Act (FD CPA). This federal law explicitly prohibits debt collectors from engaging in any false, deceptive, or misleading representations in the pursuit of debt collection. By implying a connection to a Consumer Reporting Agency, you have violated these provisions. Such false representations can cause harm to consumers, leading to confusion and potential damage to accurate credit reporting and consumer rights. Therefore, I kindly request that you cease and desist any further communication or attempt to imply any connection with a Consumer Reporting Agency in your collection activities related to the alleged debt. Additionally, I expect you to correct any misrepresentations made thus far. I kindly ask that you promptly provide a written confirmation, within [number of days], of your commitment to rectify the false or misleading information provided in your previous communications. Failure to comply with this request may result in further action, which could include reporting your misleading collection activities to the appropriate regulatory bodies and pursuing legal remedies available to address this matter fully. I trust that you will treat this matter with the utmost seriousness and take immediate action to rectify the false or misleading representations in your collection activities. Your cooperation in this regard will be greatly appreciated. Thank you for your attention to this matter. Sincerely, [Your Name] [Your Address] [City, State, ZIP Code] [Phone Number] [Email Address]
