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Regions Bank - CA sending a demand to the wrong name - Violation?


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Hey Folks, 

I've had a CA send me a demand for Overdraft Fees originally with Regions Bank.  (about $500)

Thing is, they've sent their collection to the wrong name, sorta.

Lets say my name is:  Samuel J Bontemps.

The demand has been sent to:  "J Bontemps Samuel"

I'm just wondering if this is a violation, or if there's anything I can do.

It has NOT hit my CR yet, but my 30 days has passed (just slightly) as I've recently moved.

I've been thinking of sending a 'this isn't mine' letter but....  thoughts?

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Is it your debt?  If so, what section of the FDCPA would be violated?   I don't see how it would be deceptive or considered harassment. 

Even if it were a technical violation, in light of Spokeo, a technical violation wouldn't give you standing in federal court. 

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