Mortgages – FDCPA – FCRA

Where a defendant credit union has moved to dismiss the debtors’ adversary complaint, the dismissal motion must be allowed as to Counts III and IV, as the debtors’ pleadings are insufficient to establish (1) that the defendant is a “debt collector” within the meaning of the Fair Debt Collection Practices Act or (2) that the debtors have a plausible claim for a private right of action under the Fair Credit Reporting Act.