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: Hawaii Debt Collection Dispute Letter — False Implication of Affiliation with the United States Intro: In the beautiful state of Hawaii, consumers are protected by state and federal laws regarding debt collection activities. It is crucial to be aware of your rights and take action if you believe a debt collector has falsely represented or implied an affiliation with the United States government. This detailed letter aims to inform debt collectors about their misleading misrepresentations and demand immediate corrective actions. Keywords: Hawaii, debt collection, false representation, misleading misrepresentations, collection activities, debt collector, vouched for, bonded by, affiliated with, United States. Content: [Your Name] [Your Address] [City, State, ZIP] [Email Address] [Phone Number] [Date] [Debt Collection Agency Name] [Collection Agency's Address] [City, State, ZIP] Subject: False Implication of Affiliation with the United States Dear [Debt Collection Agency Name], I hope this letter finds you well. I am writing to express my deep concern regarding recent collection activities related to the debt you claim I owe. I have noticed that your communication and documentation falsely represent or imply that your agency is vouched for, bonded by, or affiliated with the United States government. Furthermore, I am hereby informing you that such false representations are a violation of both state and federal laws governing debt collection practices. Under the laws of the State of Hawaii and the Fair Debt Collection Practices Act (FD CPA), debt collectors are prohibited from engaging in any form of false, deceptive, or misleading representations. Specifically, making false claims or implications of an affiliation with the United States government is strictly forbidden. It is essential to clarify that your agency's activities being mistaken for being vouched for, bonded by, or affiliated with the United States government can cause confusion and undue stress for consumers. As such, I kindly request that you immediately cease all false representations or implications and take the necessary corrective actions, as outlined below: 1. Ensure that all future communication, including letters, phone calls, and any further documentation regarding this debt, clearly state that your agency is not affiliated with the United States government and does not have any vouched for or bond by them. 2. Within thirty (30) days of receiving this letter, provide me with a written confirmation that you have ceased all misleading misrepresentations and have taken corrective actions as demanded. Failure to comply with these requests may result in further legal actions and reporting your debt collection agency to the appropriate regulatory agencies, including the Consumer Financial Protection Bureau (CFPB) and the Attorney General's Office of Hawaii. I believe in maintaining a transparent and lawful debt collection process, which is mutually beneficial for both parties involved. Please treat this matter with utmost urgency and provide a prompt response within thirty (30) days of receiving this letter. Thank you for your attention to this matter, and I trust that we can resolve this issue without any further escalations or legal actions. I will be monitoring all future communications closely for compliance. Sincerely, [Your Name]
