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."
[Your Name] [Your Address] [City, State, ZIP Code] [Date] [Debt Collector's Name] [Debt Collector's Address] [City, State, ZIP Code] Subject: False Representation of Affiliation with the United States Dear [Debt Collector's Name], I am writing to inform you of my concerns regarding the collection activities associated with a debt you claim I owe. It has come to my attention that your collection efforts have included false representations or implications that your agency is vouched for, bonded by, or affiliated with the United States. I would like to bring to your attention that such statements are misleading and a violation of the Fair Debt Collection Practices Act (FD CPA). As a resident of North Dakota, it is my right to demand accurate and honest information regarding any debt collection actions. According to the FD CPA, debt collectors must provide factual and non-deceptive information during the debt collection process. By intentionally creating the false impression of being associated with the United States, you are violating this crucial legal requirement. I would like to highlight the specific instances where false or misleading representations were made: 1. [Provide details of the specific false representation or implication made by the debt collector]. Please note that this statement misrepresents your affiliation with the United States, potentially confusing and misleading me as the consumer. I request that you immediately cease any further false representations or implications that your agency is vouched for, bonded by, or affiliated with the United States. Failure to comply with this request may prompt me to take legal action and report your non-compliance to the appropriate authorities. Furthermore, I kindly ask that you provide written confirmation within 30 days of receiving this letter stating that: 1. You have ceased any misleading or false representations regarding your affiliation with the United States. 2. You will refrain from similar misrepresentations in the future. 3. Furthermore, you will ensure that all future communications and collection activities are in full compliance with the FD CPA. Please be aware that any continued collection activities regarding this debt without providing the promised confirmation will be interpreted as a willful and knowing violation of the FD CPA. In such a case, I will have no choice but to pursue appropriate legal remedies available to me. I trust that you will take this matter seriously and address the concerns raised in this letter promptly. Your cooperation in resolving this issue is greatly appreciated. Sincerely, [Your Name]
