Fair Credit Reporting Act — debt legality; consumer reporting agency

Posted June 3, 2020 11:27 AM

Where consumer reporting agency was not required to validate legality of debt under the Fair Credit Reporting Act.The 7th U.S. Circuit Court of Appeals affirmed a decision by Judge Virginia M. Kendall, Northern District of Illinois.Joseph Denan and Adrienne Padgett obtained loans from online payday lenders affiliated with Native American tribes. Denan, a New Jersey resident, took out a loan of $1,600 from Plain Green, LLC (affiliated with the Chippewa Cree Tribe). The loan charged an interest rate in excess of 300% and …

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