Where the Fair Debt Collection Practices Act applied to individuals who were mistakenly dunned by debt collectors, implying the individual was obligated to pay a debt and the debt collector could be sue for its acts.The 7th U.S. Circuit Court of Appeals reversed a decision by U.S. District Judge Milton I. Shadur.In 2007, a Visa credit card was opened with Washington Mutual Finance under the name Mario Loja. After the card …