Tim has been approached by Kent, his best friend, regarding Tim's credit card debt with 1st ...

Tim has been approached by Kent, his best friend, regarding Tim's credit card debt with 1st Security One. 1st Security One previously informed Kent that Tim was in default on his credit card debt, and encouraged Kent to tell his friend to "do the right thing." Kent says he has come to get assurance that Tim will make the required payment. Which of the following legislation has 1st Security One violated by informing Kent of Tim's debt?
A) Fair Credit Reporting Act
B) Fair and Accurate Credit Transactions Act
C) Fair Credit and Charge Card Disclosure Act
D) Fair Debt Collection Practices Act