Product: Debt collection

emailed to cfpb ombudsman team Communicating with Third Parties : a known third party confidential information request to release information shared and use upon deposition of all parties involve in the scheme .. 
The only third parties that a debt collector may contact when trying to collect a debt are The consumer The consumer 's attorney Prohibited Practices Harassing or Abusive Practices Publish a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 603 ( f ) or 604 ( 3 ) of the FDCPA Advertise a debt for sale to coerce payment Communicate, or threaten to communicate, false credit information or information that should be known to be false, including not identifying disputed debts as such Communicate, or threaten to communicate, false credit information or information that should be known to be false, including not identifying disputed debts as such False or Misleading Representations A debt collector, in collecting a debt, may not use any false, deceptive, or misleading representation. Specifically, a debt collector may not Falsely represent or imply that he or she is vouched for, bonded by, or affiliated with the United States or any state, including the use of any badge, uniform, or similar identification Falsely represent the character, amount, or legal status of the debt, or of any services rendered, or compensation he or she may receive for collecting the debt Falsely represent or imply that he or she is an attorney or that communications are from an attorney Threaten to take any action that is not legal or intended Falsely represent or imply that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person, unless such action is lawful and intended by the debt collector or creditor Falsely represent or imply that the sale, referral, or other transfer of the debt will cause the consumer to lose a claim or a defense to payment, or become subject to any practice prohibited by the FDCPA Falsely represent or imply that the consumer committed a crime or other conduct to disgrace the consumer Communicate, or threaten to communicate, false credit information or information that should be known to be false, including not identifying disputed debts as such Use or distribute written communications made to look like or falsely represent documents authorized, issued, or approved by any court, official, or agency of the United States or any state if the appearance or wording would give a false impression of the document 's source, authorization, or approval Use any false representation or deceptive means to collect or attempt to collect a debt or to obtain information about a consumer Fail to disclose in the initial written communication with the consumer, and the initial oral communication if it precedes the initial written communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. In addition, the debt collector must disclose in subsequent communications that the communication is from a debt collector. ( These disclosures do not apply to a formal pleading made in connection with a legal action. ) Falsely represent or imply that accounts have been sold to innocent purchasers for value Falsely represent or imply that documents are legal process Use any name other than the true name of the debt collector 's business, company, or organization Falsely represent or imply that documents are not legal-process forms or do not require action by the consumer Falsely represent or imply that the debt collector operates or is employed by a consumer reporting agency