Gao v. Campus 150: Inaccurate Credit Report Violated the FDCPA

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In a mixed bag decision regarding alleged inaccurate credit reporting, the court granted summary judgment in favor of both defendants on a consumer’s claim for emotional distress damages but denied one of the defendant’s motions for summary judgment on elements of the consumer’s FDCPA, FCRA, and California Rosenthal Fair Debt Collection Practices Act claims. 02/02/2022 […]

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Gadomski v. Patelco Credit Union: Consumer Fails to Allege Concrete Injury, Case Dismissed for Lack of Article III Standing

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The consumer alleged the data furnisher incorrectly reported her account that was discharged in bankruptcy. The data furnisher moved to dismiss the case for lack of standing. 01/27/2022 2:00 P.M. 3 minute read Gadomski v. Patelco Credit Union, No. 2:17-CV-00695-TLN-AC, 2022 WL 223878 (E.D. Cal. Jan. 25, 2022) By Laura Dadd – Compliance Analyst Note: […]

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Wolf v. Carpenter Hazlewood Delgado & Bolen: Law Firm Had Permissible Purpose to Access Consumer’s Credit Report

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An Arizona district court found that the collection of unpaid homeowner’s association assessments provided a permissible purpose under the FCRA for a law firm to access a consumer’s credit report. 01/24/2022 3:45 P.M. 4 minute read Wolf v. Carpenter Hazlewood Delgado & Bolen LLP, No. CV-20-00957-PHX-DLR, 2022 WL 168572 (D. Ariz. Jan. 19, 2022) By […]

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Hopkinson v. Penn. Higher Educ. Assistance Agency: Furnisher Unable to Prove It Reasonably Investigated Debt


The consumer disputed a debt that was the result of an alleged identity theft. The consumer alleges that the data furnisher reported inaccurate information to the consumer reporting agencies and failed to conduct a reasonable investigation. 01/19/2022 3:20 P.M. 4 minute read Hopkinson v. Pennsylvania Higher Educ. Assistance Agency, No. 19-CV-12290-IT, 2022 WL 104912 (D. […]

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U.S. Supreme Court Remands Article III Standing Case to 4th Circuit with Instructions to Reconsider Based on TransUnion v. Ramirez

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01/13/2022 6:00 P.M. 4 minute read The CFPB’s bulletin explains the duties of debt collectors and furnishers of information when collecting or reporting medical debts covered by the No Surprises Act. Article III standing remains a focus at the highest levels of appellate litigation, as demonstrated by a recent U.S. Supreme Court decision to vacate […]

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