Debt Collectors Hit with FDCPA Suit Over Alleged Failure to Identify Creditor

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Schreiber/Cohen, LLC and Midland Funding, LLC are on the receiving end of a proposed class action that accuses them of failing to clearly identify a consumer’s creditor in a debt collection letter. According to the complaint, the letter stated the following:

“Re: Midland Funding, LLC as Assignee of SYNCHRONY BANK”

This suit argues that this statement is unclear because the least sophisticated consumer would be unsure as to whether the supposed debt was owed to Midland Funding or Synchrony Bank. Since the defendants did not specifically name any entity as the “creditor,” the complaint argues, the letter violated federal debt collection law.