FCRA

A District Court judge in North Carolina has denied a plaintiff’s motion to remand a Fair Credit Reporting Act case back to state court where it was originally filed, ruling that accessing the plaintiff’s credit report without a permissible purpose to do so constitutes a concrete injury and gives the …

The Consumer Financial Protection Bureau yesterday issued guidance that warns furnishers of information to credit reporting agencies — and the agencies themselves — about the perils of not conducting reasonable investigations when consumers submit disputes about items on their credit reports. Credit reporting agencies must promptly notify furnishers and provide …

The Court of Appeals for the Third Circuit has upheld a summary judgment ruling in favor of defendants that were sued for violating the Fair Credit Reporting Act because they allegedly reported false and inaccurate information and did not conduct a reasonable investigation of the plaintiff’s dispute. A copy of …

The Court of Appeals for the Sixth Circuit has upheld a lower court’s summary judgment ruling in favor of a credit reporting agency that was accused of violating the Fair Credit Reporting Act because it erroneously reported a father’s bankruptcy on his son’s credit report because the original petitions both …

A District Court judge in Indiana has granted a plaintiff’s motion to compel depositions in a Fair Credit Reporting Act and Fair Debt Collection Practices Act case that features a few interesting twists and turns. The judge also issued a warning to the plaintiff’s attorney because the defendant claims that …

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A District Court judge in Illinois has granted a defendant’s motion for judgment on the pleadings after it was accused of violating the Fair Credit Reporting Act by not conducting a reasonable investigation after an account was disputed, ruling that the plaintiff lacked standing because he did not allege to …

A District Court judge in Maryland has granted a defendant’s motion to dismiss after it was sued by a pro se plaintiff for violating a number of statutes, including the Fair Debt Collection Practices Act because, among other claims, the defendant was not allowed to use the last four digits …

A District Court judge in South Carolina has accepted a Magistrate Judge’s Report and Recommendation and granted a motion for summary judgment in favor of a defendant that was accused of violating the Fair Credit Reporting Act related to how the defendant was furnishing payment information to the credit reporting …

The chair of the House Select Subcommittee on the Coronavirus Crisis has sent a letter to the Consumer Financial Protection Bureau, asking it to investigate the three major credit reporting agencies for possible violations of the Fair Credit Reporting Act, including potentially failing to investigate disputes filed by consumers. The …