Baron v. Mark A. Kirkorsky, P.C.The transactions at hand in this thread are not based on a person previously seeking credit from the judgement creditor ergo no permissible basis to pull a credit report.(Case No. 17-cv-01118, U.S.D.C., District of Arizona
The court concluded that FACTA’s definition of “credit” limits the scope of when there is a permissible purpose to pull a consumer report. The court states:
“Debt collection is a permissible reason for obtaining a credit report only insofar as the debt arose from a transaction in which the debtor voluntarily and directly sought credit.”