CASE_FCFCU KB

V-FCFCU-2025-0022: FCRA

1 min read

V-FCFCU-2025-0022: FCRA

Executive Summary

FCFCU continues reporting first mortgage as active delinquent installment loan post-judgment/sale

Key Facts

  • Date:
  • Actor: FCFCU ()
  • Context:

Summary

FCFCU continues reporting the first mortgage as an active delinquent installment loan after judgment and sale, which may misrepresent the borrower’s obligations and harm creditworthiness.

Elements Checklist

  • Element 1:
  • Element 2:
  • Element 3:

Legal Basis

Primary

  • Statute / Rule:
  • Required elements:
    • Element A:
    • Element B:

Secondary / Supporting (optional)

  • Regulation:
  • Case law (if strong):

Facts & Timeline (placeholders)

  • YYYY-MM-DD: fact

Evidence Links

Counterarguments & Risk

  • Their likely argument:
  • Your rebuttal:

Strategic Use

Best Forums

  • Credit bureau dispute
  • Direct furnisher notice
  • CFPB
  • Use when: strong documentary evidence of post-judgment sale
  • Avoid when: insufficient proof of reporting timeline

Damages Impact

Direct Harms

  • Financial:
  • Credit:

Documentation Needed

  • Credit reports showing continued tradeline

Disposition

Decision:

  • Keep
  • Merge into: _______
  • Hold
  • Discard

Reason:

Graph View

Backlinks