This is like saying a law against speeding means no one could ever get a ticket for speeding. People still do things even though it's prohibited. The remedy is whatever the law itself provides. In this case, it's a consumer report to the CFPB, who will then decide what to do about it.
I am not talking about my credit card agreement with Citibank. I am talking about the Bill of Sale from Citi to Pilot Receivables when Citi sold my account to Pilot. I have the Bill of Sale that they attached with the lawsuit. The Bill of Sale states "for value received and subject to the terms and condition of the Purchase and Sale agreement dated May 24, 2017 between buyer and the Bank" This is the agreement I was referring to. This is what I was going to ask Unifund to provide in arbitration to see exactly what it says.
You are counting on a LOT based on a card agreement you have not seen or read. Instead of speculating get the agreement in effect at the time of default and read exactly what it says. What agreement was in effect when the account was purchased does not apply to your account.