LuL:
Just to indulge in technicalities:
Regarding point #1, he’s probably correct, since neither him nor us know who and what. And as far as the girl who does, well she KNOWS not to believe nor trust someone who cannot possibly know anything.
Point #2 he’s probably also right, technically. He’s saying HE cannot be accused of motzi shem ra if it’s not certain there’s a falsehood. (no, of course he is NOT PERMITTED, but he cannot be ACCUSED of motzi shem ra.)
Point #3 is wrong, as you wrote, as stated openly in the Chofetz Chaim.