Ahhh it does say Law Enforcement Agency....
“An affidavit is executed by a consumer before a notary, and has thus not been "filed by a consumer with an appropriate Federal, State, or local law enforcement agency" as requried under section 605B.”
Interestingly enough, the FTC claims to be just that:
"In most cases, you can use your Identity Theft Report in place of a police report to clear your account and credit records of transactions that resulted from the identity theft. That’s because when you use IdentityTheft.gov, you’re reporting the crime to the Federal Trade Commission, a federal law enforcement agency."
I don't think there is any disagreement. If a creditor demands a police-report (i.e. by seeking a judgment), they will get one. Plain and simple.
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