Michigan 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

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.

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.

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.

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.

(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.

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.

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.

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.

More info

2. State debt collection litigation often presents opportunities for the debtor/defendant to assert affirmative Fair Debt Collection Practices Act. (FDCPA) ... Are you being harassed by a debt collector calling you from numbers that match your area code? Debt collectors can collect from debtors by ...Knoll alleges that Defendants' practice of transmitting the false namename other than the true name of the debt collector's business, company, ... The FDCPA prohibits debt collectors from employing ?any false, deceptive, or misleading representation or means in connection with the collection of any ... Section 1692e(14), that it is false or misleading for a debt collector to use ?any business, company, or organization name other than the true ... (14) The use of a business, company, or organization name other than the true name of the debt collector's business, company, or organization;. The auto finance company violated the Consumeruncommon names were the result of anotherdecertified a Fair Debt Collection Practices Act letter. Know whether they are collecting a debt that is not ?out of statute.? As a result,Consumers chose to do business with the creditor, but they cannot. Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities - Using False Representation or Deceptive Means to ... Fair Debt Collection Practices Act 1974. 2. Fair Credit Reporting Act 1970. E. Other Specific Protections. Federal and state consumer protection laws govern ...

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Michigan 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