Cease communications letters under FDCPA 605(c) only apply to debt collectors. They do not apply to original creditors, with one exception.
Neither the FCRA nor the FDCPA impose any restrictions on original creditor collection practices, unless their collection practices are coming from an in-house collection department.
Communications from an in-house debt collector fall under the provisions of the FDCPA if they are using a name that does not imply that they are the original credit. See FDCPA 803(6). It is all just in the name they use.
If they are considered a debt collector, you can send them a cease communications letter under FDCPA 605(c). If the communications are coming from the OC themselves, you cannot.
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