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5th Cir. Says CRAs Failure to Include a Furnisher’s Positive Trade-Line in Consumer’s Report Did Not Give Rise to an FCRA Claim

by Scott J. Hyman |

In Hammer v. Equifax Info. Servs., No. 19-10199, 2020 U.S. App. LEXIS 28800 (5th Cir. Sep. 9, 2020), the Court of Appeals for the Fifth Circuit held that no claim arose under the FCRA for failure to report a trade line in the consumer’s consumer report. Hammer alleges that Equifax violated the FCRA because it had favorable information about his… Read More

7th Cir. Says Reporting Multiple Debts Rather than Aggregating into Single Account Did Not Violate FCRA/FDCPA

by Scott J. Hyman |

  In Zablocki v. Merchs. Credit Guide Co., No. 19-2045, 2020 U.S. App. LEXIS 23737 (7th Cir. July 28, 2020), the Court of Appeals dismissed an FDCPA claim premised on a debt collectors failure to aggregate debts into a single account when reporting to the CRAs. Viewing Merchants's separate reporting of debts from the perspective of an unsophisticated but reasonable… Read More

District Court (N.Y.) Says Dispute Over Legal Status of Debt Between Furnisher and Consumer Did Not Create an “Inaccuracy” Under FCRA

by Scott J. Hyman |

In Holland v. Chase Bank United States, 2020 U.S. Dist. LEXIS 133642 (S.D.N.Y. July 28, 2020), Judge Engelmayer dismissed an FCRA claim against a Furnisher for absence of an “inaccuracy”, holding that Plaintiff’s claim that the debt was extinguished by the statute of limitations did not render the reporting of the debt inaccurate. Here, Holland asserts that Chase's furnishing of… Read More

District Court (Ill.) Says Furnisher Complied with the FCRA

by Scott J. Hyman |

In Chuluunbat v. Cavalry Portfolio Servs., LLC, No. 20 C 164, 2020 U.S. Dist. LEXIS 128931 (N.D. Ill. July 22, 2020), Judge Kocoras granted a furnisher’s motion to dismiss an FCRA claim. Given these letters, Cavalry argues that it was required to do nothing further than what it had already done to comply with its obligations under Section 1681s-2(b). Chuluunbat… Read More

District Court (Minn.) Says CRAs Don’t Need to Report Every Tradeline, and Consumer States No FCRA Claim When a CRA Does Not Show a Furnisher’s Tradeline on the Consumer Report

by Scott J. Hyman |

In Krosch v. Equifax Info. Servs., LLC, No. 19-CV-2784 (NEB/KMM), 2020 U.S. Dist. LEXIS 99150, at *5-9 (D. Minn. June 5, 2020), Judge Brasel held that a consumer stated no FCRA claim against a CRA due to the CRA's alleged failure not to report all furnishers' tradelines. Experian argues that the Complaint fails to allege either of these elements because… Read More

7th Cir. Joins Other Circuits Finding that CRA Obligations Do Not Extend to Being Debt Tribunals For Purposes of Determining Accuracy of a Tradeline

by Scott J. Hyman |

In Denan v. Trans Union LLC, No. 19-1519, 2020 U.S. App. LEXIS 14930 (7th Cir. May 11, 2020), the Court of Appeals for the Seventh Circuit held that a CRA, under the guise of determining accuracy, was not obligated to adjudicate the consumer claims that the debt was not valid. Here, plaintiffs contend not only that Trans Union had a… Read More

District Court (Ga.) Rejects “Scheduled Monthly Payment” Inaccuracy Claim under FCRA

by Scott J. Hyman |

In Marshall v. Robins Fin. Credit Union, No. 5:19-CV-260 (MTT), 2020 U.S. Dist. LEXIS 22274 (M.D. Ga. Feb. 10, 2020), Judge Treadwell found against an FCRA Plaintiff in a ‘scheduled monthly payment’ claim. Robins argues that it did not furnish an inaccurate tradeline because the monthly payment amount of $524.00 is an accurate "historical term" for an account that it… Read More

District Court (Tenn.) Says Scheduled Monthly Payment Issue Did Not Give Rise to FCRA Claim

by Scott J. Hyman |

In Cowley v. Equifax Info. Servs., No. 2:18-cv-02846-TLP-cgc, 2019 U.S. Dist. LEXIS 193522 (W.D. Tenn. Nov. 7, 2019, the District Court refused to allow a scheduled monthly payment issue case to proceed under the FCRA. The only evidence Plaintiff [*9]  brings to defeat UCFSC's motion for summary judgment is that the industry guideline, the CRRG, suggests that when a furnisher of… Read More

District Court (Tex.) Finds No Inaccuracy in Reporting Closed Automobile Account

by Scott J. Hyman |

In Rodriguez v. Trans Union Llc & Santander Cosumer United States, No. 1:19-CV-379-LY, 2019 U.S. Dist. LEXIS 186016 (W.D. Tex. Oct. 28, 2019), Magistrate Judge Yeakel found no inaccuracy in how a closed automobile account was being reported.  The Plaintiff claimed that her credit report erroneously stated that she owed a monthly payment of $345 on an account (the "Santander Account")… Read More

District Court (Cal.) Addresses Ch. 13 BK Reporting under the FCRA

by Scott J. Hyman |

In Galea v. Wells Fargo Bank, N.A., No. 2:19-cv-00386-JAM-AC, 2019 U.S. Dist. LEXIS 129028 (E.D. Cal. Aug. 1, 2019), Judge Mendez addressed the proper reporting of Chapter 13 bankrupt accounts. Galea filed for Chapter 13 bankruptcy in September 2012. FAC ¶ 39. Over the next five years, she made all the payments required under her bankruptcy plan. FAC ¶¶ 42-49.… Read More

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