| http://www.w3.org/ns/prov#value | - Dec. 13, 2004), in which the courts held that the notices violated the FDCPA because they stated that defendants may disclose [nonpublic personal] information to third parties, including financial service providers, retailers, and direct 22 marketers, as well as nonaffiliated third parties, and provided that in order to prevent such disclosure, the consumer must take the affirmative step of mailin
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