Mortgagor sufficiently alleged injury in fact and, thus, had standing to bring action against mortgage-loan service and its law firm for violations of Fair Debt Collection Practices Act (FDCPA); claims were based on allegedly incorrect identification of servicer as creditor in foreclosure complaint, certificate of merit, and request for judicial intervention, and taken as true, misrepresentation might have deprived mortgagor of information relevant to debt prompting foreclosure proceeding, posing risk of real harm insofar as it could hinder exercise of his right to defend or otherwise litigate that action. Consumer Credit Protection Act §§ 807, 809, 15 U.S.C.A. §§ 1692e, 1692g. Cohen v. Rosicki, Rosicki & Associates, P.C., 897 F.3d 75 (2d Cir. 2018).