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 . . . ."
Lima Arizona Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities — Falsely Representing or Implying that a Debt Collector Operates or is Employed by a Consumer Reporting Agency Subject: Cease Misleading Representations Regarding Debt Collection Activities Dear [Debt Collector's Name], I am writing this letter to inform you of false or misleading misrepresentations in your collection activities, specifically, falsely representing or implying that your organization operates or is employed by a consumer reporting agency. This practice is in direct violation of the Fair Debt Collection Practices Act (FD CPA), and I am requesting an immediate cessation of such representation. I recently received a collection notice from your agency regarding a debt allegedly owed by me. In this notice, it states that your organization operates as or is employed by a consumer reporting agency, which is patently false. Upon verifying this information, I have discovered that your organization has no affiliation with any consumer reporting agency. Misleading consumers by suggesting a connection to a consumer reporting agency not only violates the FD CPA but also undermines the trust and fairness essential to the debt collection process. It is imperative that your organization ceases this deceptive practice immediately to ensure compliance with the FD CPA and maintain ethical collection practices. In light of these misrepresentations, I kindly request the following actions: 1. Immediate cessation: Cease all false or misleading representations that imply your collection agency operates as or is employed by a consumer reporting agency in any future communications related to the debt in question or any other debt associated with my name. 2. Written confirmation: Within 15 business days of receiving this letter, provide written confirmation of your compliance with this request, including a statement that your organization will cease all false representations regarding its affiliation with a consumer reporting agency. 3. Future communications: In all future communications, clearly disclose your true identity as a debt collection agency and refrain from engaging in any misleading practices that could confuse or mislead me or any other consumers. Failure to comply with this request may result in legal action, including reporting your conduct to the appropriate regulatory authorities and pursuing a claim under the FD CPA. Please be aware that should this matter escalate, any damages or legal fees incurred will be your responsibility as the violating party. I expect your prompt attention to this matter and encourage immediate corrective actions. A swift resolution will benefit both parties involved as it ensures compliance with legal requirements and maintains a fair and respectful debt collection process. Please consider this letter as a formal notice, and I trust that you will actively address this issue and act in accordance with the laws governing debt collection practices. Thank you for your prompt attention to this matter. Yours sincerely, [Your Name] [Your Address] [City, State, ZIP Code] [Phone Number] [Email Address]Lima Arizona Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities — Falsely Representing or Implying that a Debt Collector Operates or is Employed by a Consumer Reporting Agency Subject: Cease Misleading Representations Regarding Debt Collection Activities Dear [Debt Collector's Name], I am writing this letter to inform you of false or misleading misrepresentations in your collection activities, specifically, falsely representing or implying that your organization operates or is employed by a consumer reporting agency. This practice is in direct violation of the Fair Debt Collection Practices Act (FD CPA), and I am requesting an immediate cessation of such representation. I recently received a collection notice from your agency regarding a debt allegedly owed by me. In this notice, it states that your organization operates as or is employed by a consumer reporting agency, which is patently false. Upon verifying this information, I have discovered that your organization has no affiliation with any consumer reporting agency. Misleading consumers by suggesting a connection to a consumer reporting agency not only violates the FD CPA but also undermines the trust and fairness essential to the debt collection process. It is imperative that your organization ceases this deceptive practice immediately to ensure compliance with the FD CPA and maintain ethical collection practices. In light of these misrepresentations, I kindly request the following actions: 1. Immediate cessation: Cease all false or misleading representations that imply your collection agency operates as or is employed by a consumer reporting agency in any future communications related to the debt in question or any other debt associated with my name. 2. Written confirmation: Within 15 business days of receiving this letter, provide written confirmation of your compliance with this request, including a statement that your organization will cease all false representations regarding its affiliation with a consumer reporting agency. 3. Future communications: In all future communications, clearly disclose your true identity as a debt collection agency and refrain from engaging in any misleading practices that could confuse or mislead me or any other consumers. Failure to comply with this request may result in legal action, including reporting your conduct to the appropriate regulatory authorities and pursuing a claim under the FD CPA. Please be aware that should this matter escalate, any damages or legal fees incurred will be your responsibility as the violating party. I expect your prompt attention to this matter and encourage immediate corrective actions. A swift resolution will benefit both parties involved as it ensures compliance with legal requirements and maintains a fair and respectful debt collection process. Please consider this letter as a formal notice, and I trust that you will actively address this issue and act in accordance with the laws governing debt collection practices. Thank you for your prompt attention to this matter. Yours sincerely, [Your Name] [Your Address] [City, State, ZIP Code] [Phone Number] [Email Address]
