Collins v. Experian | 11th Circuit COA - a consumer's credit report need not be published to third parties in order for a consumer to be entitled to actual damages under § 1681i(a) of the Fair Credit Reporting Act

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Collins v. Experian | 11th Circuit COA – a consumer’s credit report need not be published to third parties in order for a consumer to be entitled to actual damages under § 1681i(a) of the Fair Credit Reporting Act

Collins v. Experian | 11th Circuit COA – a consumer’s credit report need not be published to third parties in order for a consumer to be entitled to actual damages under § 1681i(a) of the Fair Credit Reporting Act

IN THE UNITED STATES COURT OF APPEALS
FOR THE ELEVENTH CIRCUIT
________________________
No. 14-11111
________________________
D.C. Docket No. 2:11-cv-00938-AKK

CURTIS J. COLLINS,

Plaintiff-Appellant,

versus

EXPERIAN INFORMATION SOLUTIONS, INC.,
Defendant-Appellee.

________________________
Appeal from the United States District Court
for the Northern District of Alabama
_________________________

(January 5, 2015)

Before MARTIN, JULIE CARNES and BLACK, Circuit Judges.

EXCERPT:

“Thus, by its plain terms, § 1681i(a) does not require communication to a third party; it provides a consumer reporting agency violates that provision if a consumer notifies the agency there is inaccurate information contained in his file and the agency does not conduct a reasonable reinvestigation into the matter. A file is simply the information retained by a consumer reporting agency. Thus, we hold that the plain language of the FCRA contains no requirement that the disputed information be published to a third party in order for a consumer to recover actual damages under § 1681i(a).”

[…]

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