Have you read any of the facts in the case?  They bought 3.2 billion dollars of debt - not to collect on delinquents, but as a portion of their core business as a finance company.  These four loans were in default and they tried to collect.  One of the "violations" they are accused of is stating they are the creditor when the four believe Citi was the creditor.  If they bought the debt, and the original debt instrument allows for sale, then they are the new creditor - so no violation.  

This case is not what a lot of people are trying to make it.