Abstract

http://ssrn.com/abstract=2359005
 


 



Where the FCRA Meets the FDCPA: The Impact of Unfair Collection Practices on the Credit Report


Mary Spector


Southern Methodist University - Dedman School of Law

2013

Georgetown Journal on Poverty Law Policy, Vol. 20, No. 3, 2013
SMU Dedman School of Law Legal Studies Research Paper No. 132

Abstract:     
This Article explores the impact that contemporary practices in consumer debt collection litigation may have on credit reporting and scoring. In doing so, it pays particular attention to available data regarding the use of unfair collection practices in such litigation, and considers whether consumer reports of such litigation unfairly burden consumers’ ability to obtain housing, employment, insurance, or credit. It highlights some of the obstacles consumers face at the intersection of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and considers alternative proposals to provide fair and accurate information relating to consumer debts while also preventing the harm that results from consumer reporting of unfair collection litigation.

Number of Pages in PDF File: 29

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Date posted: December 6, 2013 ; Last revised: December 13, 2013

Suggested Citation

Spector, Mary, Where the FCRA Meets the FDCPA: The Impact of Unfair Collection Practices on the Credit Report (2013). Georgetown Journal on Poverty Law Policy, Vol. 20, No. 3, 2013; SMU Dedman School of Law Legal Studies Research Paper No. 132. Available at SSRN: http://ssrn.com/abstract=2359005

Contact Information

Mary Spector (Contact Author)
Southern Methodist University - Dedman School of Law ( email )
P.O. Box 750116
Dallas, TX 75275
United States
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