Collection Bureau of the Hudson Valley Sued Over Allegedly Unlawful Collection Letters

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Three New York consumers have filed a proposed class action against Collection Bureau of the Hudson Valley, Inc. over claims that the debt collector failed to appropriately identify creditors in collection letters sent to the plaintiffs. 

The plaintiffs allege they received identical letters from the defendant in July and August 2017 that referenced “OPTIMUM” as a creditor. According to the lawsuit, however, “[t]he [l]etters fail to identify by name and label any entity as ‘original creditor,’ ‘current creditor,’ or ‘creditor to whom the debt is owed.’” The suit argues that “a debt collector has the obligation not just to convey the name of the creditor to whom the debt is owed, but also to state such explicitly.” The suit further claims that the letters would confuse the “least sophisticated consumer,” making them non-compliant with the Fair Debt Collection Practices Act.