FCRA Violation – Summary Judgment

By: Derek Hawkins//March 14, 2022//

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7^th 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

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Derek A Hawkins is Corporate Counsel, at Salesforce.

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