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And Jinn, the hole in that argument is that the IRS doesn't collect for private entities. The IRS only collects for debts owed to federal agencies. Unless you're found guilty in court, which by all accounts above doesn't happen, there's no IRS involvement.
Or is there some federal involvement beyond the magistrate ruling against the Fair Debt Collection Act 17 years ago? That's the only mention I see. Otherwise, we're back where we started: if a private company incorrectly (for whatever reason) alleges you owe them money, you don't and you don't have to pay them shit. And you can collect penalties from them if they continue to pursue it without providing you with proof.
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