Delbert Kevin Cordle v. Resurgent Capital Services, L.P. et al.

Charleston, West Virginia, consumer law lawyers represented the Plaintiff on a Fair Credit Reporting Act violation.

The
Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq., is a U.S. federal law enacted in 1970 that regulates the collection, dissemination, and use of consumer credit information. It promotes the accuracy, fairness, and privacy of information in consumer reporting agency files, allowing individuals to access, dispute, and correct their data.
Key Aspects of the FCRA Law

Consumer Rights: Consumers have the right to access their credit reports, know what is in their file, dispute inaccurate information, and receive a free credit report every 12 months from major bureaus via AnnualCreditReport.com.
Permissible Purpose: Credit reporting agencies may only release information to entities with a "permissible purpose," such as lenders, insurers, employers, or landlords, typically requiring the consumer's consent.
Adverse Action Notices: If an employer or creditor denies a benefit (e.g., credit, employment) based on a credit report, they must notify the consumer and provide the agency's information.
Accuracy and Dispute Resolution: Information providers (furnishers) must report accurate data, and agencies must investigate disputed information, generally within 30 days.
Limitations on Information: Generally, negative information (like bankruptcies) cannot be reported after 7 to 10 years.
Enforcement: The FCRA is enforced by the Federal Trade Commission (FTC), the Consumer Financial Protection Bureau (CFPB), and through private lawsuits.

Key Definitions

Consumer Reporting Agency (CRA): Entities like Experian, Equifax, and TransUnion that assemble credit information.
Furnishers: Creditors, banks, or lenders that provide data to CRAs.
Users: Entities, such as employers or insurers, that request a report.

Violation of the FCRA can lead to legal action by consumers, who may be entitled to damages.

02/13/2026 19 NOTICE OF SETTLEMENT by Delbert Kevin Cordle (Sheridan, Benjamin)
02/13/2026 20 ORDER directing that the requirements in 10 Scheduling Order are continued; the Clerk is directed to retire this action from the active docket. Signed by Judge Joseph R. Goodwin on 2/13/2026. (cc: counsel of record; any unrepresented party) (mfo)