 TITLE: Case Law Reference - Credit Law Court Rulings CONTENT: ###### Written by: Kristy Welsh\nCase Law Reference and Links to FCRA and FDCPA Information\n----------------------------------------------------------\nDon't know which case to cite when trying to prove your point? This list was provided by a readers on our discussion boards, along with our own through research. Many of these rulings have been used to file a civil complaint against some creditors and the CRAs.\nCornell University Law School\nCalifornia Legislative Information\nLexis Total Research System\nWestlaw\nFindLaw\nGoogle Scholar\nCalifornia Courts\n### Other Case Law Information\nThe following two links list extensive court case rulings regarding credit issues.\n*   Discussion Board Resources - Case Law FDCPA\n*   Discussion Board Resources - Case Law FCRA\n### Specific Case Law\nWhat if someone purchases the debt from the original creditor? Yep, they fall under the FDCPA.\nAn FDCPA claim \"has nothing to do with whether the underlying debt is valid\". An FDCPA claim concerns the method of collecting the debt. Spears v. Brennan\nIs the reporting period extended if  \n(A) the original creditor sells or transfers the account to another creditor,  \n(B) the consumer responds to post charge-off collection efforts by making a payment on the debt, or (C) the consumer disputes the account with a CRA? Does it matter whether the 7-year period has expired when any of these events occurs? **No.**\nYou can sue the creditor who reports inaccurately as seen in Nelson v. Chase Manhattan. Also, this is now part of the newly revised FCRA.\nReporting on your credit report is considered collection activity: Boatley vs. Diem Corporation\nRichardson vs. Fleet, Equifax, Experian, TransUnion and Portfolio Recovery Associates\nRepossession Law: and whether your state has implemented it: .\nOther Case Law  \nDiscussion Board Resources - Case Law\nCourt procedure in your state: USLegal SearchLaw END