The FDCPA does not apply to those defined
under the act as "creditors", only to those defined as "debt collectors".
The only time a creditor comes under the FDCPA is if they contact you using the
name of a third party when it is really the creditor himself. All buyers
of defaulted debt are "debt collectors" as are collection agencies and attorneys
who work for debt collectors AND creditors.
Tell them in a letter under the FDCPA, to
validate the debt. (i.e., PROVE with credible evidence
that you owe them payment)