MEMORANDUM & ORDER I. Introduction Plaintiff Marissa Olson (“Plaintiff” or “Olson”) commenced this action against defendant Enhanced Recovery Company, LLC (“Defendant” or “ERC”), alleging violations of the Fair Debt Collection Practices Act (“FDCPA”), 15 U.S.C. §1692 et seq. (See Amended Complaint, ECF No. 11.) Presently before the Court is ERC’s motion for judgment on the pleadings pursuant to Rule 12(c) of the Federal Rules of Civil Procedure (hereafter, “Motion”) (see ECF No. 17; see also Support Memo (ECF No. 18)), which Plaintiff opposes. (See ECF No. 20 (hereafter, the “Opposition” or “Opp’n”).) For the reasons that follow, the Motion is granted. II. Background A. Factual History1 Plaintiff is a consumer residing in Mastic, New York. Defendant, a Delaware limited liability corporation and a New York foreign limited liability corporation, is engaged in debt collection and does so on behalf of Kohl’s Department Stores, Inc. (hereafter, “Kohl’s”). Plaintiff had a Kohl’s credit card that was issued by Capital One, N.A. (herafter, “Capital One”) and which she used to make purchases. ERC sent a dunning letter to Plaintiff on January 10, 2018 (hereafter, the “First Letter”) in an attempt to collect a past due debt, which began with the following information: Creditor: Kohl’s Department Stores, Inc. Original Balance: $1,224.33 Original Creditor: Capital One, N.A. Interest Accrued: N/A Re: Your Kohl’s Credit Card Account: XXXXXXXX6652 Non-interest Charges & Fees: N/A Amount of Debt: $1,224.33 Payments: -$0.00 Reference Number: 188075340 Settlement Amount: $612.17 (First Letter (ECF No. 11-1) at 1.) Thereafter, ERC presented a “Settlement Opportunity” prefacing it by stating, “Our records indicate that your balance with Kohl’s Department Stores, Inc. remains unpaid; therefore your account has been placed with ERC for collection efforts.” (Id.) On February 22, 2018, ERC sent a second dunning letter to Plaintiff (hereafter, the “Second Letter”; together with the Frist Letter, the “Letters”) prefaced with nearly identical information, to wit: Creditor: Capital One, N.A. Original Balance: $1,224.33 Original Creditor: Capital One, N.A. Interest Accrued: N/A Re: Your Kohl’s Credit Card Account: XXXXXXXX6652 Non-interest Charges & Fees: N/A Amount of Debt: $1,224.33 Payments: -$0.00 Reference Number: 188075340 Settlement Amount: $612.17 (Second Letter (ECF No. 11-4) at 1.) The only difference in the introductory information in the Second Letter was that Capital One was identified as the “Creditor”. (Cf., Second Letter with First Letter.) ERC offered Plaintiff the same “Settlement Opportunity” presented in its First Letter. (See id. (“Our records indicate that your balance with Kohl’s Department Stores, Inc. remains unpaid; therefore your account has been placed with ERC for collection efforts.”).) B. Procedural History On January 10, 2019, Olson commenced this action against ERC (see Complaint (ECF No. 1)); she amended her Complaint on February 19, 2019 (see Amended Complaint (ECF No. 11)), alleging breaches of: §1692g(b) of the FDCPA on the theory that Kohl’s was not a “creditor” as defined pursuant to §1692a(4) (see id., First Cause of Action,
13-26); §1692e(2)(A) and/or §1692e(10) of the FDCPA on the basis that Kohl’s was identified as “Creditor” in the First Letter, but that Capital One was identified as the “Creditor” in the Second Letter (see id., Second Cause of Action,
