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: Oregon Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities — False Representation or Implication that the Debt Collector is Vouched for, Bonded by, or Affiliated with the United States Introduction: In the state of Oregon, consumers have legal rights and protections against false or misleading misrepresentations made by debt collectors. One common misrepresentation involves debt collectors falsely representing or implying that they are vouched for, bonded by, or affiliated with the United States. This letter template aims to inform debt collectors of their misleading actions and assert your rights as a consumer under Oregon law. [Your Name] [Your Address] [City, State, ZIP] [Date] [Debt Collector's Name] [Debt Collector's Address] [City, State, ZIP] Subject: Disputing False Representation or Implication of Affiliation with the United States Dear [Debt Collector's Name], I am writing to bring to your attention a serious matter regarding recent collection activities undertaken by your organization. It has come to my attention that your communication with me, specifically [specific incident or encounter], has involved false representation or implication that your debt collection agency is vouched for, bonded by, or affiliated with the United States. This misrepresentation is in violation of consumer protection laws in Oregon, specifically [cite relevant Oregon statutes if known]. It is imperative that you understand that any misleading actions or deceptive practices employed by your agency are reprehensible and inexcusable. By falsely representing or implying a connection to the United States, you have deliberately sought to create a false sense of official endorsement or credibility, which is not only misleading but also a violation of my rights as a consumer. Such misrepresentations undermine my confidence in the legitimacy of your debt collection activities. According to Oregon law, as a consumer, I have the right to be treated fairly and with respect. It is my expectation that you will cease all false or misleading representations immediately. Furthermore, I demand that you provide written confirmation within [reasonable timeframe, e.g., ten business days] regarding the actions you have taken to rectify this situation. Failure to comply with this request may result in further legal action being pursued against your agency under the applicable state and federal laws. I also request that you provide me with a validated verification of the debt you claim I owe, as required by the Fair Debt Collection Practices Act (FD CPA). This information should include the original creditor's name, the amount owed, and any supporting documentation related to the debt. Please be advised that any future communication from your agency should strictly adhere to the provisions outlined in the FD CPA, Oregon law, and any other relevant consumer protection statutes. Any continued false, misleading, or deceptive practices will leave me no choice but to escalate this matter further by reporting your activities to the appropriate regulatory authorities. I strongly recommend that you consult with your legal department or professional counsel to ensure compliance with all applicable laws and regulations. Resolving this matter swiftly and in accordance with both state and federal laws will be in the best interest of all parties involved. I expect a prompt response from your agency regarding the steps taken to rectify this situation and provide the requested information. Your cooperation will be appreciated. Yours sincerely, [Your Name] [Your contact number] [Your email address]
