Ruel Nieto v. Simm Associates, Incorporated

Flaum, Circuit Judge.

*379 This is the consolidated appeal of two actions under the Fair Debt Collection Practices Act, 15 U.S.C. § 1601 et seq. In both cases, debt collector Simm Associates, Inc. sent debtors a form letter stating the name of the "original creditor"-Comenity Capital Bank-and the "client"-PayPal Credit. Debtors sued, alleging the letters violate § 1692g(a)(2) because they fail to identify the name of the creditor to whom the debt is currently owed. The district courts granted summary judgment for the debt collector. We affirm.

I. Background

Defendant-appellee Simm Associates, Inc.…