Unlawful Third-Party Communication Violation Notice (15 U.S.C. § 1692c(b))

[CLIENT FULL NAME] [CLIENT ADDRESS LINE1] [CLIENT CITY], [CLIENT STATE] [CLIENT ZIP] Phone: [CLIENT PHONE] Email: [CLIENT EMAIL] Date: [TODAY] [RECIPIENT NAME] [RECIPIENT ADDRESS BLOCK] RE: FORMAL NOTICE OF UNLAWFUL THIRD-PARTY DEBT DISCLOSURE (15 U.S.C. § 1692c(b)) Account Number: [ACCOUNT ACCOUNT NUMBER MASKED] Original Creditor: [ACCOUNT ORIGINAL CREDITOR] Collector Reference #: [ACCOUNT COLLECTOR REFERENCE] Dear [RECIPIENT NAME], I am writing to put your agency on formal notice of a severe statutory violation of the Fair Debt Collection Practices Act, 15 U.S.C. § 1692c(b), committed by your representative. Under 15 U.S.C. § 1692c(b) and 12 CFR § 1006.6(d), except as provided in Section 1692b (strictly for locating a consumer), a debt collector SHALL NOT communicate, in connection with the collection of any debt, with any person other than the consumer, the consumer's attorney, a consumer reporting agency, or the creditor. On or about [VIOLATION DATE], your agency communicated with a third party regarding my alleged debt. Specifically: [VIOLATION DESCRIPTION]. Your representative revealed details regarding the alleged debt, disclosed the collection status, or made improper threats to an unauthorized third party. This conduct directly violated 15 U.S.C. § 1692c(b) and caused substantial emotional distress and reputational harm. Please be advised that I have documented this third-party communication, including witness statements and phone logs. I demand that you immediately cease all third-party contact, confirm in writing that no further unauthorized third-party disclosures will occur, and provide written instructions regarding how your agency intends to remedy this violation. Sincerely, [CLIENT FULL NAME] Sent via Certified Mail, Return Receipt Requested: [LETTER CERTIFIED NUMBER]