Credit Reports
Insights and legal resources on credit reports from Midwest Consumer Law PLLC.
Algorithm vs. Accuracy: Litigating FCRA 'Mixed File' Claims Under § 1681e(b)
A litigation-focused analysis of how CRAs use loose heuristic matching, the e-OSCAR reinvestigation bottleneck, and strategies for establishing liability under the FCRA's negligent and willful noncompliance standards.
The Metro 2 Breakdown: Litigating False Account Statuses Under § 1681s-2(b)
How the Metro 2 reporting system fails consumers who have already resolved their debts, why automated dispute verification often falls short of § 1681s-2(b)'s investigation requirement, and what a consumer must do to trigger furnisher liability under federal law.
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