FCRA Violation Summary Judgment.

• Author: Hawkins, Derek
• Position: Fair Credit Reporting Act

Byline: Derek Hawkins

7th Circuit Court of Appeals

Case Name: Brooke Persinger v. Southwest Credit Systems, L.P.,

Case No.: 21-1037

Officials: MANION, WOOD, and BRENNAN, Circuit Judges.

Focus: FCRA Violation Summary Judgment

In 2017, a bankruptcy court discharged Brooke Persinger's debts. A few months later, Southwest Credit Systems began collection efforts on a pre-petition debt of Persinger's, including by acquiring a type of credit information called her "propensity-to-pay score." Alleging that this information had been secured without a permissible purpose, Persinger sued Southwest under the Fair Credit Reporting Act ("FCRA"), 15 U.S.C. 1681 et seq. The district court granted summary judgment to...