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Failure to Mark Tradeline “Disputed” is a Violation of the FCRA

Hrebal v. Nationstar Mortgage LLC Case No. 17-cv-1815; D. Minn., June 14, 2019 The U.S. District Court granted summary judgment for the Plaintiff on a motion for reconsideration on the ground that the mortgage company negligently violated the Fair Credit Reporting Act when it repeatedly failed to report the consumer’s account as “disputed” in responses to the at-issue ACDV’s. The Court determined that there are no material factual disputes for a jury to resolve with respect to liability: the FCRA imposes liability on “furnishers” of consumer credit information, like Mr. Cooper, who fails to report that loan delinquency is “disputed.”

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Duty to Investigate Dispute Remains Whether or Not Consumer Responds to Request for Information

Sponer v. Wells Fargo, et al. 3:17-cv-02035-HZ D. Ore – Portland Consumer/Plaintiff was a victim of identity fraud – his ID was used to purchase a vehicle when he was out of the country.  Police arrested the man who used the Plaintiff’s identity, confiscated the stolen vehicle, and obtained a confession from the thief.  Wells Fargo was notified of this through a letter from the Plaintiff.  Wells Fargo contacted the police on multiple occasions they have heard of the incident. The police then confirmed the underlying facts and returned the vehicle to Wells Fargo. Despite this, Wells Fargo refused to

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Post-Filing Modification Prevents Student Loans from Being Discharged in Bankruptcy

Naffis v. Xerox Education Services, LLC AP No. 15-0078 February 6, 2019 The consumer sought to discharge student loans, but after filing the bankruptcy, the consumer consolidated his loans, which made them a “post-petition” debt and, therefore not dischargeable. The consumer then Amended his Complaint to add violations of the Fair Debt Collection Practices Act (“FDCPA”) and the Maryland Consumer Debt Collection Act (“MCDCA”) because the servicer persuaded him to consolidate his loans, causing him to lose the opportunity for discharge. The servicer, Xerox Education Services, LLC (“XES”) filed a motion for summary judgment. The Court held that because the

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Collateral Legal Disputes Not Appropriate for FCRA Action

Bornstein v. Trans Union LLC, et al, CV-18-04773-PHX-JJT June 5, 2019 The doctor’s office failed to bill the insurance on time and did not get reimbursed.  A healthcare collection company assumed the debt and debt showed up on the Plaintiff’s credit report. The plaintiff sued under the FDCPA and FCRA stating a claim of negligence and willfulness for failing to remove the tradeline since she didn’t owe the debt; her insurance should have paid. The Court grants Defendants’ Motion to Dismiss the FCRA claims. As to whether or not she owed the money is a legal question, not a factual

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Scales Tipped in Favor of Article III Standing Based on Harm Already Suffered Being Fairly Traceable to Defendant

Hutton, et al. v. National Board of Examiners in Optometry, Inc. 4th Circuit June 12, 2018 Case No. 17-1508 A class took action on behalf of a group of individuals who registered to take the professional optometry licensure exam.  Groups of optometrists began to notice that fraudulent Chase credit card accounts began being opened in their names. The group determined that it was the National Board of Examiners in Optometry, Inc. (NBEO), instead of the American Optometric Association or other similar groups, because only the NBEO stored their social security numbers. Additionally, several of the credit cards were opened with individual

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Inconsistent Disputes Lead to Poor Results

Letren v. Trans Union, LLC, 2017 WL 445237 (D. Md. February 2, 2017) – Judge Xinis In September of 2008, the Plaintiff’s property was foreclosed on. In December of 2009, the Plaintiff filed a Ch. 7 bankruptcy.  Beginning in March of 2010, after Trans Union received notice of the bankruptcy, it began reporting the Chase mortgage account as having been included in the bankruptcy. In 2013, the Plaintiff received a copy of his TransUnion credit report, which was reporting the amount owed at “$0.00” with former terms of “$4,222 per month.” The status of the accounts as listed as “CBL:

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