Their attorney wrote a solid demand letter. He did not, however, cite a Utah "unfair trade practices" statute, which leads me to believe (and without doing any research) that Utah does not have very strong consumer protection laws. $75,000 is also a strange demand. It does not seem to be based on any jurisdictional consideration ($75,000 is the very minimum amount in dispute required to remove a case to federal court, which is much less plaintiff friendly than state court, and the FCRA claims would put them there anyway), and I would expect the demand to be much higher this early in the lawsuit.
