The 7th Circuit left its ruling intact, reversing a jury verdict that awarded $350,000 in damages to a consumer and class in an FDCPA action. The appellate court refused to rehear its decision, which found the consumer lacked standing to bring her claims alleging emotional distress. 06/09/2022 3:45 P.M. 3.5 minute read Pierre v. Midland […]
A consumer’s credit card debt was reduced to judgment. A debt collector attempted to collect on the judgment, but failed to mention in its letter to the consumer that the debt was reduced to judgment and was accruing interest. The consumer sued and the court dismissed his case for lack of standing. The consumer appealed […]
The appellate court found that a collection letter advising a consumer that, because of the age of the debt, the collection agency would neither sue the consumer for it nor report it to a credit agency, did not violate the FDCPA because the consumer didn’t make a payment, promise to do so, or otherwise act […]
The 7th Circuit Court of Appeals found a creditor and debt collector did not violate the FDCPA and FCRA when they sought to collect a debt from a consumer who was a victim of identity theft because the defendants sufficiently investigated the dispute, concluded the account did not belong to the consumer, and directed the […]
Appellate court holds not reporting credit disputes is a concrete injury the confers Article III standing to consumers. 02/03/2022 4:00 P.M. 4 minute read Ewing v. MED-1 Sols., LLC, No. 21-1276, 2022 WL 303366 (7th Cir. Feb. 2, 2022) By Laura Dadd – Compliance Analyst Note: ACA provides Daily Decisions as an educational benefit for […]
A consumer’s alleged invasion of privacy from a credit inquiry constituted a concrete injury, as mandated for Article III standing. Nevertheless, the case failed because the consumer did not suffer actual damages as a result of any negligent violation of FCRA because the collector’s compliance procedures were reasonable and met the FCRA’s requirements. 01/04/2022 4:00 […]
The 7th Circuit reversed an Illinois decision granting summary judgment for a consumer’s Fair Debt Collection Practices Act claims. Instead, the 7th Circuit held the consumer’s claims of emotional harm without financial harm failed to sufficiently allege an injury-in-fact, reversed the judgment and instructed the district court to dismiss the complaint. […]
This site uses cookies. By continuing to use our site, you are agreeing to our use of cookies. Review our Privacy Policy for more information. You may change your preferences on how cookies are stored by reviewing the settings on your browser.
The content on this site is presented for educational, general reference, and informational purposes only; is not intended to serve as legal or other advice; is not intended to be a full and exhaustive explanation of the law in any area; and should not replace the advice of your own legal counsel. By continuing to use our site, you are agreeing to the legal disclaimers in our Terms of Use. Review our Terms of Use for more information.
Get continued access to ACA International’s wide array of resources, which can help you become more profitable, compliant and successful.
Renew your membership today to take advantage of tools you won’t find anywhere else: