E.D.N.Y. Provides Clarity on Identifying Creditor for Store Branded Credit Cards

The Fair Debt Collection Practices Act (FDCPA) requires debt collectors to list the creditor to whom the debt is owed in the initial letter sent to consumers. This is simple enough when there is a single creditor entity, but becomes a little more complex when more than one entity is involved with the debt. One such situation is where the debt arises from a store-branded credit card that is issued by a bank.

In Bryan v. Credit Control, LLC, No. 18-cv-0865 (E.D.N.Y. Dec. 11, 2018), the court addressed this situation and found that listing the retail store as the creditor to whom the debt is owed does not violate the FDCPA due to the underlying contract between the retail store and the issuing bank.

Factual and Procedural Background

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