Disclosure of account information through mailing envelope window is a sufficiently concrete and particular intangible harm for standing.
Although incurring highway tolls was a consensual transaction, the primary purpose was not personal or household benefit, as the benefit provided by tolls is the maintenance of the roads. The debt therefore does not qualify under the Act.
http://www2.ca3.uscourts.gov/opinarch/171731p.pdf
Since 2011. An occasional commonplacing of the U.S. Circuit Courts of Appeal.
Neither an authoritative statement of the law nor legal advice. Quick work.