In the latest of a string of reports on medical billing, the bureau analyzes U.S. consumer “complaints.” Editor’s note: This article is available for members only. 04/20/2022 9 P.M. 7 minute read Key Takeaways: The CFPB says its report seeks to illustrate the possible long-term impact of medical billing and collections. ACA continues to advocate […]
The Nevada Hospital Association brief was filed after ACA’s call to action for medical providers to support the appeal, which seeks clarity on requirements in the state’s medical debt law. Editor’s Note: This article is available for members only. 04/14/2022 3:00 P.M. 5 minute read The Nevada Hospital Association has filed an amicus brief in […]
The court found a furnisher is not responsible for determining who is “at fault” for a consumer’s missed payments because such a finding would involve the sort of judgment that the FCRA neither expects nor requires furnishers of information to make. 04/13/2022 1:15 P.M. 4 minute read Badwan v. Wells Fargo, No. 21 C 4666, […]
Although the consumer informed the credit reporting agency that she no longer disputed a debt, her credit report continued to reflect the dispute. She alleged the data furnisher was liable under the FCRA for negligently and willfully failing to investigate the dispute, and that the credit reporting agency was liable under the FCRA for negligently […]
Comments on the proposed credit reports rule, which would implement amendments to the Fair Credit Reporting Act, are due May 9. 04/08/2022 1:15 P.M. 2.5 minute read The CFPB has issued a proposed rule that would prohibit consumer reporting agencies (CRAs) from providing consumer credit reports containing adverse information about a consumer that resulted from a severe form […]
A consumer received a 1099-C form after two credit card accounts were charged off by their bank. The debts were reported on his credit report. The bank told the consumer that it was not attempting to collect on the account, but it would continue to report the account balance on his credit report. The consumer […]
The parties in this case both argued that the consumer had Article III standing to proceed in federal court. The consumer provided examples of how she was harmed by the CRAs’ and data furnisher’s actions. However, the court found that she had not provided sufficient facts to show that she suffered an injury-in-fact. 03/31/2022 3:30 […]
The court found the consumer failed to allege a violation of a furnisher’s duties to report information with completeness or accuracy under the FCRA at Section 1681s-2(b), and his claim for negligent violation of the statute under Section 1681o failed because the consumer’s pleading did not identify facts the furnisher could have uncovered that would […]
A court sided with the majority view that a furnisher who repeatedly reports a delinquent account as charged-off is not inaccurate and has not violated the FCRA. 03/16/2022 4:00 P.M. 3.5 minute read Otto v. TransUnion, LLC, No. 6:21-CV-00379-AA, 2022 WL 787940 (D. Or. Mar. 15, 2022) By Betsy Clarke—Compliance Attorney Note: CA provides Daily […]
Certain issues, such as the reasonableness of a furnisher’s investigation into a consumer’s dispute, are fact-intensive. Information about the precise nature of the furnisher’s investigation is uniquely in the hands of the furnisher and so a consumer cannot be expected to have much more information about the reasonableness of the investigation at the early stages […]
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