MEMORANDUM
CALDWELL, District Judge.
I. Introduction
Plaintiff's amended complaint alleges that Defendant acted unlawfully in attempting to collect a return-check fee. He sets forth three causes of action: (1) a claim under the Fair Debt Collection Practices Act ("FDCPA" or "Act"), 15 U.S.C. §§ 1692-1692o; (2) a claim under the Fair Credit Reporting Act, 15 U.S.C. §§ 1681-1681u; and (3) a claim under the...
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