FCRA/FDCPA — collection agency "verified" a debt they never validated. Denied a credit card because of it. Do I have a case?

TN. Debt is ~$5,500 in move-out charges from privatized military housing after I broke a lease early. I dispute the amount as double recovery — the lease has a flat early-termination fee that's defined as the landlord's liquidated estimate of its costs, and then they billed the same cleaning/turnover costs a second time on top of it.

Timeline:

- Disputed the charges in writing with the landlord twice, months before it went to collections.

- Landlord sent it to a collection agency (IQ Data) anyway while it was in active written dispute.

- Sent IQ a certified debt-validation demand. Never got any validation back — no itemization, no inspection docs, nothing.

- Disputed with all three bureaus. All three came back "verified/accurate." One lists the collection agency itself as the "original creditor," which is factually wrong — the landlord is the original creditor.

- The tradeline was reported to the bureaus months AFTER my written dispute, and the "consumer disputes" flag only appeared after my bureau dispute — not before.

- Just got denied a credit card, adverse action notice cites the collection.

So: they verified a debt three times that they've never once substantiated, and reported it as disputed-only after the fact.

Am I right that this is an FCRA 1681s-2(b) + FDCPA 1692e(8) situation, or am I missing something? Worth taking to a consumer attorney?