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: Maine Letter to Notify Debt Collector of False Affiliation with the United States Introduction: In the state of Maine, it is essential to be aware of the rules and regulations surrounding debt collection activities. If you believe a debt collector has misrepresented or falsely implied a connection with the United States government, it is crucial to address the issue promptly. This letter aims to provide a detailed description of the situation and inform the debt collector of their false or misleading misrepresentation, emphasizing the false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States. Here is a sample letter that can be modified to suit your specific circumstances: [Your Name] [Your Address] [City, State, ZIP Code] [Email Address] [Phone Number] [Date] [Debt Collector's Name] [Debt Collector's Address] [City, State, ZIP Code] Re: False Representation or Implication of Affiliation with the United States Government Dear [Debt Collector's Name], I hope this letter finds you well. I am writing to address a matter of significant concern regarding the debt collection activities associated with my [type of debt, e.g., credit card debt, medical bills, etc.], referenced by your agency under account number [account number] and the false representation that your company is vouched for, bonded by, or affiliated with the United States government. While I acknowledge my responsibility in settling this debt, it has come to my attention that your agency has engaged in misleading and potentially unlawful activities aimed at creating a false impression that your debt collection services are endorsed or affiliated with the United States government. Such false claims can create confusion, manipulate consumer perception, and distort legal obligations. Under the Fair Debt Collection Practices Act (FD CPA) and the specific laws and regulations enforced in the state of Maine, any activity or representation that could mislead or deceive consumers is strictly forbidden. Specifically, your agency's false representation or implication that you are vouched for, bonded by, or affiliated with the United States government blatantly violates Section 1692e of the FD CPA, which prohibits debt collectors from using false, deceptive, or misleading representations or means in connection with the collection of any debt. I kindly request that you immediately cease all false representations or implications of an affiliation with the United States government in your collection activities. Failure to do so may lead to formal complaints lodged with the appropriate regulatory bodies and legal actions to protect my rights as a consumer. I also request that you provide a written confirmation within [reasonable time frame, e.g., 14 days] from the receipt of this letter, indicating your compliance with this request. Furthermore, please provide me with a clear and accurate breakdown of the outstanding debt, including any fees or charges incurred by your agency. Please be advised that any future communication and correspondence regarding this matter should be made in writing and sent to the address mentioned above. I am prepared to assert my rights under the FD CPA and any other applicable laws to rectify this false representation promptly. Thank you for your prompt attention to this matter. I look forward to your swift resolution and compliance with the aforementioned request. Sincerely, [Your Name]
