Court Rules that in Determining Accuracy under the FCRA, the Entire Tradeline Must Be Considered

A recent case in the Northern District of Georgia confirms that when evaluating whether a tradeline in a consumer report is accurate, a court will consider the entire record in context and not focus on individual elements in isolation. See Ellis v. Warehouse Home Furnishings Distribs., 2020 U.S. Dist. LEXIS 225572 (N.D. Ga. 2020).

The Plaintiff in this case contended that the Defendant inaccurately reported her tradeline to credit reporting agencies (“CRAs”). Specifically, she alleged that Defendant inaccurately reported a scheduled monthly payment of $215 on her closed account, when Defendant should have been reporting a scheduled monthly payment of $0.00. As a result, she claimed that Defendant committed negligent and willful violations of the Fair Credit Reporting Act (the “FCRA”). In its motion for summary judgment, Defendant argued that Plaintiff’s claims against it fail because the information provided to the CRAs was accurate.

In order for a court to grant summary judgment, the movant must show that “…. there is no genuine dispute as to any material fact and the movant is entitled to judgment as a matter of law.” FED. R. CIV. P. 56(a). A party arguing that a fact is or is not genuinely disputed must support that assertion by citing to particular parts of materials in the record. FULL ARTICLE

© 2020

InteliCrunch is a free service provided by a collective of people who monitor the background screening industry and how events affect not only the people in it, but even more importantly, the real human impact the industry has on today's society.*All third party logos and / or images used on this website are the sole property and / or registered trademarks of their respective companies or copyright holders. Use of these logos, images or likenesses does not, in any way, imply the endorsement of InteliCrunch by any of the businesses, brands or individuals represented, their parent companies, officers, employees, partners, or affiliates. Any such usage is for informational / news purposes only.  Any / all articles, announcements, releases or third-party-authored content is / are linked back to the original "source"  and author credit given  Furthermore, InteliCrunch is not responsible for, and does not warrant the safety of any third-party links or sites to which any viewer may be directed from InteliCrunch.  InteliCrunch has made reasonable efforts to ensure that any news or informational links on the site are from "known and reputable"  sources / websites.