Chaitoff v. Experian Information Solutions, Inc., No. 21-2632 (7th Cir. 2023)
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Chaitoff sued under the Fair Credit Reporting Act, 15 U.S.C. 1681, alleging that Experian made a mistake when it omitted a fact from his credit report, then failed to correct its error. Chaitoff had signed an agreement with his mortgage lender that allowed him to make lower payments and avoid foreclosure. Rather than report the agreement, Chaitoff’s credit report said that he was delinquent. The district court granted Experian summary judgment.
The Seventh Circuit reversed in part, holding that the omission of material information is actionable under the FCRA; reporting the existence of the agreement did not involve the application of law to facts. Experian’s initial reporting efforts were reasonable but, concerning Experian’s investigations after Chaitoff alerted it to the discrepancy, a reasonable jury could find that there was a cost-effective step Experian could have taken that would have discovered the agreement’s existence. Experian failed to note Chaitoff’s dispute in later reports, as the FCRA requires.
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