City, State, Zip
Re: Complaint Against [Name of Collection Agency], Case # ________
[If the collection agency has sent written notice, your case number is likely in the letter.]
Name of Government Agency
[NOTE: For a list of agencies to whom you may complain about abusive practices, check the "References" section in Part 11 of Fact Sheet 27, www.privacyrights.org/fs/fs27-debtcoll.htm.]
City, State, Zip
To [name of agency official, such as State Attorney General]:
I am writing to complain about the above-named collection agency. This collection agency engaged in the following unfair and abusive collection practices specifically prohibited by the Fair Debt Collection Practices Act, 15 USC §1692 [Also insert here the cite of your state's collection law, if known. See Attachment A, www.privacyrights.org/fs/fs27plus.htm].
[Summarize the prohibited practices, the results of said practice (for example, any loss of income, privacy, etc.), and any indications that the violation may have been deliberate. Make special note of any comment by the collector about how long it takes for instructions to be placed in their system. Failure to meet required standards may subject them to additional penalties and loss of defenses to any future claim by you. Some examples follow.]
On [date(s)] [name of collection agency] contacted me at my place of employment after having been notified in writing that my employer prohibits such contacts.
On [date(s)] [name of collection agency] called me at 7 a.m.
On [date(s)] the [name of collection agency employee] used obscene and abusive language. [Add appropriate details here.]
On [date] I received the enclosed documents from [name of collection agency] which appeared to be court documents imposing a judgment against me, but were not.
On [date(s)] [name of collection agency employee] contacted my neighbor, and without being asked, revealed the name of the collection agency and discussed the details of the debt the agency claims I owe.
I request that your agency investigate the practices of [name of collection agency] and take appropriate enforcement action to stop these unfair and abusive practices. Thank you.