A Texas consumer has filed suit against GC Services Limiter Partnership over alleged Fair Debt Collection Practices Act (FDCPA) violations.
The proposed class action takes issue with a collection letter sent by the defendant that the plaintiff claims failed to explicitly state the identity of her current or original creditor.
The plaintiff claims the August 2017 letter stated, in part:
“YOU OWE: CONN APPLIANCES, INC.”
The case argues that this language is not in line with FDCPA requirements, as it may mislead the consumer regarding the identity of the creditor.
“The least sophisticated consumer is left in the dark as to whether Conn Appliances, Inc. is the original creditor, another third-party creditor, or even a creditor at all,” the complaint argues.
According to the lawsuit, the FDCPA requires debt collectors to clearly convey “the name of the creditor to whom the debt is owed.”