Unless the law has been amended, the FDCPA only applies to third party collectors, not the first party lender.
That’s what I get for not thoroughly reading the article. I misunderstood. Actually, I saw “debt collector” and assumed, despite reading the article.
However, there is a Florida-specific law that applies to first-party creditors. That law also prohibits disclosing the debt to third parties (with certain exceptions that don’t apply here).
It is called the Florida Consumer Collection Practices Act, under Chapter 559 of Florida Statutes.