They have to follow procedure which includes serving you with a lawsuit, obtaining a judgement, obtain a writ etc. All that takes time.
If you did not authorize the lender to release information on you account and the lender did it anyway, You may have a claim, but you would have to prove damages.
Mr. Goldstein is a Virginia-licensed attorney only. The information is not, nor is it intended to be, legal advice. You should consult an attorney for individual advice regarding your own situation. Answering this question does not in any way constitute legal representation. Contacting Mitchell Goldstein or the Goldstein Law Group does not constitute legal representation, nor is any information you provide protected by attorney-client privilege until otherwise advised.