I dont see that the BBB response that they dont have jurisdiction is basis for asserting they have opined as to the facts.
It means just the opposite.... they have stated, in effect, that you have issues of factual dispute that they have no authority over.
The FTC maintains sole administrative authority over FCRA and FDCPA complaints, and the courts, of course, have legal authority.
Complaints to your state AG office might result in their inquiry to the debt collector, but their formal control would be via a decision to prosecute.
Without having first exhausted administrative remedy by having filed an FTC complaint, I would suspect they would not initiate legal proceedings, as the consumer always has that option available directly to them.
To assert that they are being dishonest is an allegation. They are entitled to defend against that assertion before any party who has authority to rule on the matter.
That ultimate authority is the court.
You can bring your own civil action for asserted violation without waiting to be sued, or reserve it for a counter-complaint should they initiate legal action.
But bottom line is that you now have no resolution of your assertion of any violation of statute, and failure of a party to become involved, such as a BBB, who has no legal standing in that process, is not, in my opinion, determinative of anything.
