[brief] 36 State v. Courtney, 243 N.J. 77 (2020) ............................................................................... 10, 11 State v. McCabe, 201 N.J. 34 (2010) ................................................................................. 36 Taylor v. Perrin, Landry, deLaunay & Durand, 103 F.3d 1232 (5th Cir. 1997) (single violation) .................................... 22 Tourgeman v. Collins Fin. Servs., Inc., 755 F.3d 1109 (9th Cir. 2014) ................................................................ 29 TransUnion LLC v. Ramirez, 594 U.S. 413 (2021) .............................................................................. 36 United States ex rel. Espinoza v. Fairman, 813 F.2d 117 (7th Cir. 1987) ................................................................ 16 United States v. Adewani, 467 F.3d 1340 (D.C. Cir. 2006) ................................................................. 16 Weiss v. Regal Collections, 385 F.3d 337 (3d Cir. 2004) ........................................................................ 30 Wilson v. Quadramed Corp., 225 F.3d 350 (3d Cir. 2000) ........................................................................ 31 Statutes and Rules 15 U.S.C. § 1692(a) .................................................................................. 1, 19, 27 15 U.S.C. § 1692(b) .................................................................................. 19  15 U.S.C. § 1692(c) .................................................................................. 19  15 U.S.C. § 1692(e) .................................................................................. 19, 20  15 U.S.C. § 1692a(2) ............................................................................... 24  15 U.S.C. § 1692b ................................................................................... 20, 34  15 U.S.C. § 1692c ...................................................................................  21  15 U.S.C. § 1692c(b) .............................................................................. 2, 6, 7, 9, 11, 12, 13, 14, 15, 18, 20, 24, 27, 33, 34, 35  15 U.S.C. § 1692d ................................................................................... 20, 29  15 U.S.C. § 1692e ................................................................................... 20, 29  15 U.S.C. § 1692f ................................................................................... 20, 29  15 U.S.C. § 1692k(a) ............................................................................. 22, 23  15 U.S.C. § 1692k(b) ............................................................................. 23  42 U.S.C. § 17934 .................................................................................... 28 45 C.F.R. § 164.502(a) ........................................................................... 28 45 C.F.R. § 164.502(e)(1)(i) .................................................................... 28 45 C.F.R. § 164.502(e)(2) ....................................................................... 28 R. 1:36-3 ......................................................................................................................... 9, 18 R. 4:6-2(e) ...................................................................................................................... 3, 6, 24, 35 Other Authorities [...], National Public Data Breach Shows Urgent Need for CFPB to Regulate Data Brokers (Aug. 19, 2024) [reproduced at Pa191] ........................................................................................................... 14 [...], Current N.J. Court Rules, Comment 3.5 to R. 1:36–3 [reproduced at Pa192] ........................................................................................................... 8 TABLE OF JUDGMENTS, ORDERS AND RULINGS Order granting Defendant’s motion and dismissing Complaint without prejudice, filed April 26, 2023 .................................................................Pa11 PRELIMINARY STATEMENT When passing the Fair Debt Collection Practices Act (“FDCPA”), Congress found “the use of abusive, deceptive, and unfair debt collection practices […] contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.