Collector Sued for Allegedly Reporting Debt Before Notifying Consumer
- In what seems like a situation where a lot of communications are likely being sent to the wrong address, a collection operation is facing claims of violating the Fair Debt Collection Practices Act as well as being accused of violating Regulation F by furnishing information about a debt to the credit reporting agencies before notifying the plaintiff about the debt after the plaintiff was the victim of bad timing by signing a lease on an apartment a month before the COVID-19 lockdown went into place back in 2020.
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- This series is sponsored by WebRecon
Utah Court Says Lease-Related Charges Can Qualify as FDCPA Debt
- A District Court judge in Utah has denied a motion to dismiss a Fair Debt Collection Practices Act suit, disagreeing with the defendant’s argument that the debt was not subject to the statute.
- More details here
Mixed File FCRA Allegations Survive MTD
- A District Court judge in Virginia has denied a motion to dismiss filed by defendants in a Fair Credit Reporting Act case over a mixed credit file, ruling the plaintiff has standing and that reliance on the information provided by the credit reporting agencies is not a defense at this stage of the proceedings.
- More details here
CFPB Complaint Volume Doubles Again, Credit Reporting Still in Spotlight
- The Consumer Financial Protection Bureau this week released its latest Consumer Response Annual Report, and the numbers are hard to ignore: complaint volume has surged past 6.6 million in 2025, continuing a multi-year trend of rapid growth. While the topline figure is eye-catching, what sits beneath it, especially the role of credit reporting, credit repair activity, and how companies are responding, may matter far more for professionals in credit and collections.
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Consumers Embrace AI for Speed, Not Autonomy, TD Report Finds
- Artificial intelligence is no longer something consumers are experimenting with. It is something they expect. A new report from TD Bank shows that 78% of Americans are now using AI in their daily lives, with more than half using it to help manage their finances. But while adoption is accelerating quickly, trust is not keeping pace. Only 18% of consumers say they would trust AI to make financial decisions on its own. That tension is shaping how financial institutions, including those in credit and collections, will need to deploy AI going forward.
- More details here
WORTH NOTING: Fewer Americans are putting off decisions because of financial reasons … At the same time, another survey says more Americans are turning to personal loans to help make ends meet … CashApp has launched a “pay later” feature for paying their everyday transfers over an extended period of time … AI has more employers laying off workers … Ideas for having fun without breaking the bank … Better way for you to tackle decluttering … A look at how many people could lose access to credit if an interest rate cap is instituted … Look at how rising gas prices are going to impact airline fares.
Funny Friday, part I
Funny Friday, part II
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