} these calls are a violation of the FDCPA and the FCRA

Half correct. The FCRA does not cover collection methods. The "CR" is for "credit reporting".

CFPB links to material on FCRA, credit reporting, and enforcement
https://www.ftc.gov/news-events/media-resourc ... redit-reporting

} New York can't collect in my home state of Minnesota

I fail to see how MN law would in general prevent collection from NY or any other state. Your AG Lori Swanson would be swamped with work if so. NY state law forbids collection of payday loan debt, but that's another matter.

} But, who's going to sue them?

Apparently not you. You won't even send a cease-comm letter, even though you have a California address to target, thanks to a helpful contributor. Law enforcement doesn't happen by osmosis, you know.

More to the point, you cannot blame the DNCR for failure to function outside its scope, which is sales callers only.

Maybe when you send them a clue, namely a ''cease communication'' notice, preferably via USPS Certified with return card. This is the method promoted by the FTC and many consumer watchdogs, who will explain how you can do some damage if that notice is ignored.

"Harassment" from debt collectors has no single yardstick. Generally you need to show that a person tried to shame or abuse or threaten you verbally or in writing. Being too secretive with alleged debtors also counts, as does an excessive call pattern to anyone's phone. Also in this range: calling after being told to stop, calling places and at times known to be forbidden.

So far you have perhaps one daily call at a legal hour, a feeling of minor annoyance, and you've not yet communicated your displeasure to the call source. You'll have to do better to reach a plausible harassment claim.

Thanks for the sunny review, "Danny Phoenix", whose name sounds like a Fred Seibert series on Nickelodeon. A "Real Professional" process server already knows where to take whatever documents and should not need to blunder about town or call the wrong persons.