In Perry v. Federal National, plaintiff alleged that defendant violated the FDCPA and FCRA after attempting to collect his defaulted mortgage loan.  Defendant moved to dismiss, arguing both that it was not a "debt collector" subject to the FDCPA, and that plaintiff failed to plausibly allege a violation of either statute.  The court agreed that plaintiff's allegations were not sufficiently pled to proceed to discovery, and concluded that plaintiff had an obligation to offer more than simple, and conclusory, statements that defendant had vaguely violated the FDCPA or FCRA.

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