Myers v. AES: Court Denies Data Furnisher’s Motion for Reconsideration of Willful and Unreasonable Investigation of Consumer Dispute


The consumer disputed the data furnisher’s tradeline three times. Despite this, the information was not fully corrected. The court previously ruled that the data furnisher had unreasonably investigated the consumer’s disputes and had willfully furnished incorrect information. The data furnisher filed a motion for reconsideration. […]

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Washington v. Fedloan: Reporting Closed Account with Zero Balance and Past Due Pay Status Not Misleading


9/9/2021 8:00 Tags/Topics: Credit Reporting FCRA Industry Advancement Fund Washington v. Fedloan Servicing, No. 19-cv-143, 2021 WL 4077952 (E.D. Pa. Sept. 8, 2021) By Andrew Pavlik – Compliance Analyst Background:A consumer claimed a student loan servicer (defendant) violated the Fair Credit Reporting Act Section 1681s-2(b) by reporting inaccurate and misleading information on her credit report. […]

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Breedlove v. Santander: Creditor Impliedly Waives Arbitration Rights


The consumer’s auto loan was discharged in bankruptcy and the creditor pulled the consumer’s credit report. The consumer filed a class-action lawsuit against the creditor for a Fair Credit Reporting Act violation. After seven months of litigation, the creditor attempted to assert arbitration rights. The court found the creditor had waived its arbitration rights by its actions. […]

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