Class Action Accuses Collector of Leaving out Some Reg F Disclosures in Initial Notification

A class-action lawsuit has been filed in federal court in Nevada, accusing a pair of companies of violating the Fair Debt Collection Practices Act by allegedly sending an initial notification to the plaintiff without including all of the required validation information required under Regulation F. The notification was sent in December, after Reg F went into effect.

A copy of the complaint in the case of Lightfoot v. Aisen, Gill & Associates and Clark County Collection Service can be accessed by clicking here.

The plaintiff received a collection notification from Aisen, Gill & Associates that was dated December 20, 2021. The letter allegedly failed to include an itemization date, the date on which the validation period ends, the consumer response information, and the identity of the current creditor.

The complaint accuses the defendants of violating Section 1692e of the FDCPA by omitting the character, amount, and/or legal status of the debt, by failing to include all the validation information, consumer response information, and for allegedly making false and misleading representations. The complaint also accuses the defendants of violating Section 1692g of the FDCPA by failing to identify the current creditor to whom the debt is owed.

The complaint seeks to include anyone living in Nevada who received an initial collection letter from one of the defendants after Regulation F went into effect that failed to include all of the required information and failed to identify the current creditor.

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