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."
Subject: Kentucky Letter Addressing False Representations by Debt Collector Affiliations Dear [Debt Collector's Name], I hope this letter finds you well. I am writing to bring to your attention some grave concerns regarding certain false or misleading representations made by your collection agency in its activities. Specifically, I have noticed that your agency has been engaging in the false representation or implication that you are vouched for, bonded by, or affiliated with the United States government. As a resident and citizen of Kentucky, I am highly aware of the legal obligations placed upon debt collectors operating within our state. According to the Kentucky Revised Statutes § 367. $10 Debt Collection Practices Act, deceptive tactics like false representations about affiliations with the United States are expressly prohibited. Furthermore, the Fair Debt Collection Practices Act (FD CPA) at the federal level also enforces strict regulations governing such practices. The false implication of being vouched for, bonded by, or affiliated with the United States government is not only misleading but also an unethical attempt to coerce and deceive consumers. Such false representations can cause substantial confusion and emotional distress for individuals, especially those who are unaware of their rights under the law. If your collection agency continues engaging in these deceptive activities, you may be subject to legal consequences, including but not limited to state and federal investigations, financial penalties, and potential civil lawsuits. Therefore, I kindly request that you cease and desist all false or misleading representations, specifically any claims that suggest an affiliation with the United States government. It is my expectation that you will take swift and proactive measures to rectify this matter promptly. Please confirm in writing within 30 days receipt of this letter that you have taken appropriate actions to ensure that these disingenuous practices are discontinued permanently. Should your collection agency fail to comply with this request, I will have no choice but to seek enforcement of my rights under the FD CPA and the Kentucky Revised Statutes § 367. $10 Debt Collection Practices Act. This may necessitate filing a complaint with the relevant regulatory authorities, as well as pursuing remedies available to me under state and federal law. I trust that you will understand the need for compliance with these regulations and act responsibly in rectifying this situation. Your prompt attention to this matter will be greatly appreciated. Yours sincerely, [Your Name] [Your Address] [City, State, ZIP] [Phone Number] [Email Address] Keywords: Kentucky, letter, informing, debt collector, false, misleading, misrepresentations, collection activities, false representation, implication, vouched for, bonded by, affiliated with, United States, debt collector affiliations.
