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 11th Circuit found a consumer failed to state an FCRA claim when she alleged that a bank didn’t remove a dispute notation from her credit report after consumer reporting agencies forwarded her letter to the bank. 01/04/2022 3:00 P.M. 3 minute read White v. Wells Fargo Bank, N.A., No. 21-11840, 2021 WL 6102458 (11th […]
An Oregon district court found the defendant’s recurring reporting of the consumer’s accounts as charge-offs was not incorrect or misleading and did not cause injury to the consumer. 12/22/2021 4:00 P.M. 3 minute read Hayes v. Experian Information Solutions, Inc., No. 3:21-CV-00129-MO, 2021 WL 5989064 (D. Or. Dec. 17, 2021) By Andrew Pavlik — Compliance […]
A pro se consumer claimed credit reporting agencies and data furnishers did not investigate her claims and correct the alleged inaccurate information in the reports. However, the consumer did not provide any facts to back up her allegation and the court dismissed her case without leave to amend. 12/21/2021 3:30 P.M. 2.5 minute read Prater […]
A Pennsylvania district court held that reporting an account as closed with a $0 balance, but with a historical late payment history is not inaccurate or misleading under the FCRA. 12/14/2021 3:30 P.M. 3 minute read Gibbs v. Trans Union LLC, et al., No. 2:21-CV-00667-JDW, 2021 WL 5882109 (E.D. Pa. Dec. 13, 2021) By Andrew […]
A collector obtained dismissal of part of a consumer’s FCRA claims based on the statute of limitations, but the court did not dismiss the remaining claims because the consumer provided sufficient factual detail to plausibly allege violations of the FCRA and FDCPA. 12/13/2021 3:00 P.M. 4 minute read Pounds v. Tower Loan of Mississippi, LLC, […]
The consumer pulled his credit report after he sent in his payoff for his mortgage. His credit report showed that he had a late payment. The consumer disputed with the CRAs, which investigated the consumer’s dispute and found the report to be accurate. The consumer then filed suit. 12/02/2021 3:30 PM 3.5 minute read Boothe […]
The bureau released guidance to help clarify FCRA name-matching procedures for CRAs and to help consumers understand their Reg F rights. 2.5 minute read Under the leadership of Director Rohit Chopra, the Consumer Financial Protection Bureau has issued an advisory opinion to ensure that consumer reporting agencies (CRAs) provide accurate data in consumer reports and, […]
The consumer disputed the tradeline on his credit report related to a timeshare contract with Wyndham Resort Development. Wyndham verified the information on the consumer credit report as correct each of the three times the consumer disputed the debt. Ultimately, however, Wyndham did request for the CRA remove the tradeline from the consumer’s credit report. […]
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: