The collection activities included sending her collection letters from a law firm.
LVNV reported this debt on the consumer’s credit reports, even though the court ruled the consumer did not owe the debt.
LVNV verified the debt, as did Equifax, when the consumer disputed the debt with Equifax by including a copy of the judgment in her favor.
So, finally, the consumer sued LVNV, the collection law firm (Couch), and Equifax, for violating the Fair Debt Collection Practices Act (FDCPA), the Fair Credit Reporting Act (FCRA), and Alabama state law.
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