Documents that you may find useful
Pete Barry’s FDCPA Cheat Sheet (.pdf only) (short version of all possible claims under FDCPA)
Collection Activity Log (.pdf)
Fillable FACTA (free credit report) request
Dispute addresses for the Consumer (Credit) Reporting Agencies
Useful cases—GET YOUR OWN COPY. I am not providing copies of docs you can get from Westlaw or FastCase or Lexis..
FDCPA
Turner v J V D B Assocs Inc, 330 F 3d 991 (7th Cir. 2003) (first dun letter on discharged debt is P-F case of FDCPA e(2)(a), but they can raise BFE
But see: Hyman v. Tate, 362 F.3d 965 (7th Cir., 2004) (Can have a BFE if they have evidence of procedures)
Ross v. RJM Acquisitions Funding, LLC, 480 f.3d. 493 (7th Cir., 2007) (BFE when they have evidence of scrub procedures)
FCRA
Cushman v. TU, 115 F.3d 220 (3rd Cir. 1997) (CRA must conduct reasonable reinvestigation of their own)
Apodaca v. Discover et al. 417 F. Supp 2d, 1220 (D.NM 2006) (same as Cushman)
Sampson v. Efx, 2005 WL 2095092 (S.D. GA, 2005) (same as Cushman)
Johnson v. MBNA, 357 F3d. 426 (4th Cir, 2004) (Furnishers reinvestigation must be reasonable)
Sarver v. Experian, 390 F.3d 969 (7th Cir 2004) (no e(b) claim for inaccuracy that they had no way to know about, damages must be proved)
Credit Reporting as Debt Collection
Rivera v. Bank One, 145 FRD 614, 623 (D. PR, 1993) (pre-dates FCRA 1681s-2[b])
Matter of Sommersdorf, 139 B.R. 700, 701 (Bankr.S.D. OH 1991)
Ditty v. Checkright, LTD, Inc., 973 F. Supp. 1320, 1331 (D. Utah, 1997)
Harris v. Trans Union, LLC, 197 F.Supp.2d 200 (E.D.Pa. 2002)
Cisneros v. Trans Union, L.L.C., 293 F.Supp.2d 1156 (D.Hawai’i 2003)
Screen v. Equifax Information Systems, LLC, 303 F.Supp.2d 685 (D.Md. 2004)
Sullivan v. Equifax, Inc. , 2002 WL 799856 (E.D. PA 2002)
Damages
Carey v. Piphus, 435 U.S. 247 (Emotional damages require 3rd party verification)
Doe v. Chao (Doe II), 306 F.3d. 170 (4th Cir, 2002) (same)
Doe v. Chao (Doe III), 540 US 614 (2004) (same)
Doe v. Chao (Doe IV), 425 F.3d. 492 (4th Cir, 2006) (same)