your highlighted portion does not mean what you think it does. What is required is the debt collector, upon receipt of a letter demanding verification, actually contact the creditor and verify the information the collector already has is in fact correct. It does not mean all the items you posted previously are required.
Chaudhry is still the defining case.
Oh, and take note that Chaudhry took place 6 years after the letter you posted and take note that the opinions of the FTC are not enforceable as law. A courts opinion far outweighs such letters of opinion.
the rest of the post deals with improperly including legal fees within the debt.

