Section 806 of the Fair Debt Collection Practices Act says a debt collector may not harass, oppress, or abuse any person in connection with the collection of a debt. This includes placing telephone calls without meaningful disclosure of the caller's identity.
Massachusetts Notice to Debt Collector - Not Disclosing the Caller's Identity
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Multi-State
Control #:
US-DCPA-33
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Word;
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Description
Use this form to notify a debt collector they violated the Fair Debt Collection Practices Act (FDCPA). Receiving notice from a consumer makes it more likely a debt collector will comply with the FDCPA. If they don't comply after receiving notice, your notice letter may help prove that their actions were intentional.
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How to fill out Notice To Debt Collector - Not Disclosing The Caller's Identity?
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FAQ
Under the FDCPA, any communication from a debt collector is required to disclose their identity. This means they must state their name, the name of the collection company and their phone number. Additionally, they must state that the communication is being done to collect a debt.
If you have asked a debt collector not to call you because they are calling the wrong number, they may be in violation of the Telephone Consumer Protection Act. The Fair Debt Collection Practices Act also protects people from harassment by debt collectors, notes The Balance.
Legally, debt collectors can spoof their phone numbers, but the FDCPA doesn't allow them to hide their identitysuch as when you ask what agency they are calling from. They also can't spoof a number that would indicate they are from a law firm or any type of official government agency.
While these procedures may vary by company and whether the call is inbound or outbound, there is a common thread: generally debt collectors ask the consumer to verify some piece of personal information, such as the last four digits of the consumer's social security number or the consumer's birth date, to ensure they
For a debt collector to have the legal right to pull your credit report without your consent, you must owe the company a legitimate debt and it must stem from a voluntary credit transaction.
It often happens because that is the number on that person's credit card application, credit report, or other records.Send a Cease-and-Desist Letter to Stop Collection Calls.Get Important Info From the Collection Agent.Cease-and-Desist Letter for Wrong Number.Tips for the Future.
Be aware that collection agencies are forbidden from trying to collect a without first notifying you in writing or making a reasonable attempt to do so. Do not share financial and personal information if you are not certain you are dealing with a real collection agency.
The Fair Debt Collection Practices Act (FDCPA) It is always your choice whether to provide any information to a debt collector, even a legitimate one, including whether to verify your identity.
Debt collectors often ask for Social Security numbers, birth dates or other personal information to ensure they have reached the correct debtor.
Do not give the caller personal financial or other sensitive information. Never give out or confirm personal financial or other sensitive information like your bank account, credit card, or Social Security number unless you know the company or person you are talking with is a real debt collector.
