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Debt From Identity Theft Adds Layer to 7th Circuit Appeals Case

Identity theft claims can be difficult to navigate when they result in litigation, but in this case the court found that FDCPA and FCRA violations did not occur. Editor’s note: This article is available for members only.

03/09/2022 12:45 P.M.

2.5 minute read

The 7th Circuit Court of Appeals ruled last month that a creditor and a debt collector did not violate the Fair Credit Reporting Act and Fair Debt Collection Practices Act when they sought to collect a debt from a consumer who was a victim of identity theft.

The defendants in Woods v. LVNV Funding sufficiently investigated the dispute, concluded the account did not belong to the consumer, and directed consumer reporting agencies to remove the entry from the consumer’s credit report.

“This case debunks the misconception that a

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