By: Derek Hawkins//March 14, 2022//
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 Southwest, holding that Southwest’s compliance procedures were reasonable and thus met the FCRA’s requirements. We affirm.
Affirmed