Hawaii Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities - Using a Business Name Other Than the True Name of the Debt Collector's Business

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Multi-State
Control #:
US-DCPA-19.5BG
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Word; 
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Description

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:


"(14) The use of any business, company, or organization name other than the true name of the debt collector's business, company, or organization."

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FAQ

Unfair practices are prohibitedDeposit or threaten to deposit a postdated check before your intended payment date. Take or threaten to take property if it's not allowed. Collect more than you owe on a debt, which may include fees and interest.

(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. (2) The false representation of -- (A) the character, amount, or legal status of any debt; or.

7 Most Common FDCPA ViolationsContinued attempts to collect debt not owed.Illegal or unethical communication tactics.Disclosure verification of debt.Taking or threatening illegal action.False statements or false representation.Improper contact or sharing of info.Excessive phone calls.

The Fair Debt Collection Practices Act (FDCPA) The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from you.

Unfair practices are prohibitedDeposit or threaten to deposit a postdated check before your intended payment date. Take or threaten to take property if it's not allowed. Collect more than you owe on a debt, which may include fees and interest.

Your letter should: Ask the credit bureau to remove or correct the inaccurate or incomplete information. Include: your complete name and address....The credit bureaus also accept disputes online or by phone:Experian (888) 397-3742.Transunion (800) 916-8800.Equifax (866) 349-5191.

Yes, you may be able to sue a debt collector or a debt collection agency if it engages in abusive, deceptive, or unfair behavior. A debt collector is generally someone who buys a debt from a creditor who, for whatever reason, has been unable to collect from a consumer.

You can file your dispute through the credit bureaus' website, over the phone or by mail. The easiest and fastest way is to do it online. Whichever route you go, you will have to provide personal information, a description of the information that needs to be corrected, and documentation to back your claim.

Debt collectors cannot harass or abuse you. They cannot swear, threaten to illegally harm you or your property, threaten you with illegal actions, or falsely threaten you with actions they do not intend to take. They also cannot make repeated calls over a short period to annoy or harass you.

More info

Each letter informed Guerrero that RJM had purchased a debt Guerrerorequires debt collectors to include in initial communications with ... State level consumer protections vary greatly and cover a wide range of topics, but 32 states, Puerto Rico, the U.S. Virgin Islands, ...(14) The use of a business, company, or organization name other than the true name of the debt collector's business, company, or organization;. Bankruptcy, consumer credit reporting, debtthe company violated the Stored Communicationsdebt collector under a different name? definition that is. What debt collectors Cannot do? · How do I complain about a debt collector? · What is a 623 dispute letter? · How do I dispute a debt collection notice? · Why you ... Fair Debt Collection Practices Act 1974. 2. Fair Credit Reporting Act 1970. E. Other Specific Protections. Federal and state consumer protection laws govern ... Congratulations for using the Consumer Action Handbook!you need to learn how to write a complaint letter about a deceptive business or damaged product. In 2015, they entered into a financing arrangement with Republic Business Credit as a short-term(1) the debt collector's name and mailing address;. The fair included ?notario? fraud, abusive debt collectors, fake lotteries anddiscuss a consumer's debt with anyone other than the consumer, ... State regulatory and legislative activity with respect to debtrepresenting consumers in class actions, challenging unfair and deceptive business.

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Hawaii Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities - Using a Business Name Other Than the True Name of the Debt Collector's Business