Short answer
The violations that recur in complaints and lawsuits are excessive or harassing call volume, disclosing a debt to third parties, misrepresenting the amount owed or the collector's identity, threatening action the collector cannot or will not take, failing to send a compliant validation notice, and continuing collection after a written dispute without verifying the debt. Suing or threatening to sue on time-barred debt is a growing category as well.
For an agency or debt buyer, each common violation maps to a control. Call-frequency violations are dialer configuration and per-debt attempt counting. Third-party disclosure risk lives in voicemails and workplace calls, which is what Regulation F's limited-content message is designed to solve. Misrepresentation claims usually trace to scripts and letters, so legal review of every template, including the amount, interest, and fee math, is the control. Validation failures are workflow: the notice must go out within five days of the first communication with the required details, and a written dispute inside the thirty-day window pauses collection until verification is provided.
The stakes are larger than the statutory damages, up to 1,000 dollars per action plus actual damages and attorney fees, because FDCPA suits are frequently class actions and because state regulators treat conduct violations as license discipline. A violation history surfaces in licensing renewals and new-state applications, which is why conduct compliance and license management end up as one program.
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