So, I am almost done cleaning up. I was sued last year by Zwicker for over $50k. It was the result of a family member opening up 2 chase accounts in my name. I fought, and fought, and right before court (I filed jury trial, motions to dismiss, arbitration, etc), the case was dismissed.
I wrote the CFPB to try to get some help to have Chase fix their records and allow me to fill out affidavits, and received another letter from Zwicker in response to the CFPB. Basically the letter stated that I owed the money and to call them to make payment.
No "mini-miranda" or dispute rights were set out on the letter.
Do I have an FDCPA violation on the letter? I can post a redacted copy online if people cared to view.