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:
“(2) The false representation of . . . any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. “
Subject: Informing Debt Collector of False and Misleading Representations in Collection Activities — Kings New York Dear [Debt Collector's Name], I am writing to address a matter of grave concern regarding the collection activities conducted by your agency in relation to my outstanding debt. According to the Fair Debt Collection Practices Act (FD CPA), it is imperative that debt collectors act in a fair and truthful manner while pursuing collections. Regrettably, I have discovered several instances where your agency has engaged in false or misleading misrepresentations, specifically related to the services rendered or compensation lawfully received by any debt collector for the collection of a debt. As a recipient of such false or misleading statements, it is my duty to bring this matter to your immediate attention to rectify this issue promptly. Not only do these misrepresentations violate the rights granted to debtors under the FD CPA, but they also erode the integrity of the debt collection process. Therefore, it is essential for you to address and rectify these actions at the earliest convenience. To provide clarity on the specific instances where false or misleading representations were made, please find a comprehensive list below: 1. Misrepresentation of Services Rendered: — [Insert specific instances where the debt collector misrepresented the services provided during collection activities using factual details and dates] 2. Misrepresentation of Compensation Lawfully Received: — [Outline instances where the debt collector falsely represented the compensation they are entitled to receive as per the law, providing specific examples supported by facts and dates] It is essential that your agency conducts a thorough independent investigation into these allegations and ensures that corrective actions are taken to prevent any further violations of the FD CPA. As a debtor, I am entitled to fair treatment and accurate information concerning my debt, and I expect full compliance with the law from your agency. I kindly request the following actions to be taken as a result of this letter: 1. Cease all false or misleading representations immediately. 2. Provide written confirmation within [timeframe, typically 30 days] that corrective actions have been taken. 3. Provide a detailed explanation of the procedures implemented to prevent similar violations from occurring in the future. 4. Cease any collection activities until these matters are resolved appropriately. Please be advised that failure to comply with these requests may result in my pursuit of legal action to protect my rights as a debtor under the FD CPA. Furthermore, any continuation of these false or misleading activities may necessitate filing formal complaints with the relevant regulatory authorities. I expect your agency to take appropriate and immediate action to rectify this matter. Thank you for your prompt attention to this serious concern. I anticipate a swift resolution that ensures compliance with the laws and regulations governing debt collection practices. Yours sincerely, [Your Name] [Your Address] [City, State, ZIP] [Phone number] [Email address]Subject: Informing Debt Collector of False and Misleading Representations in Collection Activities — Kings New York Dear [Debt Collector's Name], I am writing to address a matter of grave concern regarding the collection activities conducted by your agency in relation to my outstanding debt. According to the Fair Debt Collection Practices Act (FD CPA), it is imperative that debt collectors act in a fair and truthful manner while pursuing collections. Regrettably, I have discovered several instances where your agency has engaged in false or misleading misrepresentations, specifically related to the services rendered or compensation lawfully received by any debt collector for the collection of a debt. As a recipient of such false or misleading statements, it is my duty to bring this matter to your immediate attention to rectify this issue promptly. Not only do these misrepresentations violate the rights granted to debtors under the FD CPA, but they also erode the integrity of the debt collection process. Therefore, it is essential for you to address and rectify these actions at the earliest convenience. To provide clarity on the specific instances where false or misleading representations were made, please find a comprehensive list below: 1. Misrepresentation of Services Rendered: — [Insert specific instances where the debt collector misrepresented the services provided during collection activities using factual details and dates] 2. Misrepresentation of Compensation Lawfully Received: — [Outline instances where the debt collector falsely represented the compensation they are entitled to receive as per the law, providing specific examples supported by facts and dates] It is essential that your agency conducts a thorough independent investigation into these allegations and ensures that corrective actions are taken to prevent any further violations of the FD CPA. As a debtor, I am entitled to fair treatment and accurate information concerning my debt, and I expect full compliance with the law from your agency. I kindly request the following actions to be taken as a result of this letter: 1. Cease all false or misleading representations immediately. 2. Provide written confirmation within [timeframe, typically 30 days] that corrective actions have been taken. 3. Provide a detailed explanation of the procedures implemented to prevent similar violations from occurring in the future. 4. Cease any collection activities until these matters are resolved appropriately. Please be advised that failure to comply with these requests may result in my pursuit of legal action to protect my rights as a debtor under the FD CPA. Furthermore, any continuation of these false or misleading activities may necessitate filing formal complaints with the relevant regulatory authorities. I expect your agency to take appropriate and immediate action to rectify this matter. Thank you for your prompt attention to this serious concern. I anticipate a swift resolution that ensures compliance with the laws and regulations governing debt collection practices. Yours sincerely, [Your Name] [Your Address] [City, State, ZIP] [Phone number] [Email address]
