Favorable Decision under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act
The U.S. District Court for the Southern District of Indiana issued a favorable decision to one of the clients of John Steinkamp & Associates. Kristie Buckley, a former bankruptcy client of John Steinkamp & Associates, received a debt collection letter from AFNI, Inc., after she filed bankruptcy.
AFNI was attempting to collect a debt that had been previously included in Ms. Buckley’s bankruptcy case; therefore, it was no longer a valid debt. We asked Ms. Buckley to obtain her credit reports as well and, after reviewing her credit reports, we discovered that AFNI had accessed her credit report after the bankruptcy had been discharged.
We filed a lawsuit on behalf of Ms. Buckley against AFNI alleged violations of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. AFNI defended itself and the case was litigated in court until the recent decision in Ms. Buckley’s favor.
Ultimately, the Judge’s decision found that AFNI had violated both the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.