I think that you are failing to perceive the reality of what is happening. The plaintiff or claimant really DOES own or hold the claim and may have a valid cause of action of claim.
However, due to persistently sloppy paperwork, the servicer has a proof problem supporting the asserted ownership or holdership. To overcome this proof problem, they have resorted to perjured affidavits and forged mortgage assignments.
You are welcome to feign indignation at their lack of ownership, but do NOT allow yourself to become confused by this feigned indignation. In so doing, you will cloud your own thinking and analysis and miss some marvelous opportunities to present a winning case.
I am NOT saying you shouldn't be indignant. You SHOULD. But you should be indignant that servicers are routinely bring actions prematurely, based upon perjured and faricated evidence. Again, it is OK to feign indignation at the plaintiff's lack of ownership. That is good theatrics. Just try to avoid fooling yourself (or others with whom you sympathize).
I recall my father once derisively describing some misrepresentations by salesmen in saying, "The trouble with those guys is that they have started to believe their own bullsh**!" Be wary, look in the mirror and count to ten if you find yourself beginning to believe your own bullsh**.
In many cases, a defendant has some fantastic arguments based upon false pleading, evidence fabrication and perjury. These typically need to be developed through discovery. Getting a dismissal, even without prejudice, gives the defendant an opportunity to prepare and mount these effective defenses.
The defenses may vary well include FDCPA affirmative defenses and counterclaims. But if you FOOL YOURSELF into thinking that there is NO EVIDENCE of the plaintiff's ownership, you are in for a rude awakening. When the plaintiff takes time to comb the archives and marshal the evidence, they are going to roll right over you.
Get your dismissal on forgery and perjury ready and make your equitable unclean hands argument.