My impression/view that if what happens is that you see a kind of behavior that occurs with some frequency and you are interested in discussing the behavior, it's better to keep it at the generic level than the personal. E.g., my recent post on quick down-voting (mind you, I don't have any particular names to offer, but even if I did, I would probably have tried to keep it at the level "if this something we should try to avoid?" rather than "is what X is doing okay with people?"). The point is to try to keep the discussion dispassionate and objective, and to try to not import any emotion that might be attached to the particular individual rather than the actions themselves.
On the other hand, if what you are discussing is a very particular action of a specific user, then it makes, IMHO, little sense to try to keep it at the generic level; especially if it is not something that seems to recur (except perhaps by that person). As an example, I might note a user who has been putting profanity in his user name (it's been dealt with via flags so far). In fact, this kind of activity probably can be dealt with in the specific via the moderators, and then discussed in the generic in meta at leisure.