A proposed class action against North Shore Agency, LLC claims the company ran afoul of the Fair Debt Collection Practices Act (FDCPA) in its attempts to collect a debt reportedly owed by the plaintiff to Verizon. The lawsuit alleges the defendant sent a collection letter that erroneously led the plaintiff to believe she needed to pay her entire balance owed in order for Verizon to inform credit reporting agencies that a payment was made. Partial payment, the plaintiff thought, would not lead Verizon to update her credit report. The complaint argues that this tactic was deceptive on the part of the defendant and a violation of the terms of the FDCPA because it could “mislead the least sophisticated consumer into believing that it is pointless to make partial payments because her credit report will not be updated with the partial payments.”
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