Suit Accuses Debt Buyer of ‘Unauthorized Inquiries’ to Credit Report
- If you check your credit report and notice a number of “unauthorized” inquiries that are being made by a collection operation, yet the operation has yet to make any attempt to communicate with you — at least according to the complaint you have filed — is your first thought to file a lawsuit against that operation? One individual did, accusing the defendant of violating the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with state law in New York.
- More details here
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Eighth Circuit Upholds FCRA Win for Furnisher Over Late Payment Dispute
- The Court of Appeals for the Eighth Circuit has affirmed a ruling in favor of a defendant that was sued for violating the Fair Credit Reporting Act over information it furnished to the credit reporting agencies and then allegedly failing to conduct a reasonable investigation.
- More details here
Proposed Hawaii Law Targets Medical Debt Lawsuits, Garnishments, and Liens
- A bill has been introduced in the Hawaii Senate that would restrict lawsuits against consumers to collect on unpaid medical debts. The proposal, Senate Bill 2165, titled the Medical Debt Protection and Patient Dignity Act, would significantly reshape how medical debt can be collected in the state.
- More details here
Study Finds AI Can Build Emotional Rapport Better Than Humans … With a Catch
- A newly published study suggests that artificial intelligence can outperform humans at building emotional closeness during text-based conversations, but only when people believe they are interacting with another human. For organizations experimenting with AI-driven customer engagement, the findings highlight both a major opportunity and a serious risk. The research shows that conversational AI can foster feelings of trust and connection that rival, and sometimes exceed, human interactions, while also underscoring why transparency and governance matter more than ever.
- More details here
Judge Allows FDCPA Claims Over Post-Bankruptcy Payment Demands to Proceed
- A District Court judge in Illinois has denied a motion to dismiss claims that a defendant violated the Fair Debt Collection Practices Act over how it handled a debt that was part of the plaintiffs’ bankruptcy proceedings.
- More details here
WORTH NOTING: the item at the top of a patient safety organization’s list of healthcare hazards might surprise you … How to practice the lost art of negotiating the price of a car … PRA Group is opening an office in Charlotte … U-Haul ranks the states that consumers are moving to most … A look at the storylines heading into the Winter Olympics … For the first time in 50 years, astronauts are heading back to the moon … When taxpayers will start getting their refunds … A list of myths that bankers should ignore in 2026.
Trailer Tuesday, part I
Trailer Tuesday, part II
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