- A consumer paid $500 to settle a medical debt under a pay-for-delete deal, and the tradeline came off his reports just as promised. Six months later, it was back, his score had dropped 160 points, and the collector’s explanation contained a timeline problem that does not add up. Now both the collector and a credit reporting agency are defendants.
- More details here
- This series is sponsored by WebRecon
Reporting Error Puts 1,850 Bilt Cardholders Into Collections They Didn’t Owe
- Nearly 2,000 consumers woke up to collection accounts they did not recognize and credit score drops of 50 points or more, and the finger is being pointed at a collection agency’s furnishing error. The Wall Street Journal is covering it, a senator is already circling the company involved, and the fact pattern reads like an FCRA complaint waiting to be filed. What happened, and what the industry should take from it.
- More details here
One Call Center Left: Inside PRA Group’s Q2 Transformation
- Revenue up 29%. Net income of $58 million. And just one U.S. call center remaining, down from seven three years ago. PRA Group’s second quarter results tell the story of where the work actually went when the buildings closed, and the answer involves two channels that every operator in this industry is watching closely.
- More details here
The Real Cyber Threat Isn’t AI Attacks. It’s Your Employees Believing a Fake Voice
- A new cyber insurance report found zero claims tied to AI-specific attacks in the first half of 2026. So why did one CFO wire company funds after a Teams call with his CEO and an attorney, neither of whom was actually on the call? The answer explains why social engineering now accounts for 85% of incurred losses, and what any operation moving money or handling consumer data should do about it.
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Judge Denies MTD in FCRA Case Over Delinquency Reported After Lease Was Paid Off
- The account was paid to zero. The furnisher’s own records showed timely payments. Yet a 30-day delinquency kept appearing, disappearing, and reappearing across the bureaus, and it ended up costing the consumer a $140,000 home equity line. A Pennsylvania judge just explained why the causation chain from one bad tradeline to a loan denial is plausible enough to survive dismissal.
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Judge Recommends MSJ for Collector in FDCPA Case Over Cease-Communication Request
- A consumer said he demanded the calls stop, over and over. A judge in Ohio just recommended summary judgment for the collector anyway, and the reason comes down to one word in the statute that pro se plaintiffs keep missing. A useful reminder of exactly what the FDCPA requires before a cease request has teeth, and what this collector’s records showed it did right.
- More details here
N.C. Appeals Court Won’t Let Defendant Add New Counterclaims in Collection Case
- A defendant waited more than a year into a collection case to try adding new counterclaims, based on documents he could have accessed all along. The trial court was blunt about why it said no, and the appeals court agreed. The ruling walks through when a denied amendment can be appealed immediately, and why delay and futility doomed this one.
- More details here
WORTH NOTING: A look at the most common job in every state in America … Entrepreneurship is booming in the United States and Gen Zers are leading the way … Insider tips to help you save more when shopping at Dollar Tree … A revamped Whopper is helping Burger King win marketshare in the burger wars … Is AI the end of Google search? … Now researchers are warning that eating too much protein may not be good for you … If you have ever wanted to see shooting stars streaking across the nigh sky, your best chance of the year is happening right now … How much you need to make to afford the typical home in America today.
Funny Friday, part I
Funny Friday, part II
The Daily Digest is sponsored by TCN. Today, contact centers need to do more with less. TCN’s cloud-based predictive dialing tools and services help clients to leverage the most sophisticated inbound, outbound, and blended calling technologies available. TCN’s award-winning platform offers multiple features to assist in compliance while improving performance with no hardware, no monthly minimums, or maintenance fees. Call 866-745-1900 or visit tcn.com today.
