7th Cir. Says Plaintiff Failed to Meet Burden of Proof in “May Be Reported” Collection Letter Language Case

In an in-depth 17-page-long decision, the Seventh Circuit Court of Appeals reiterated its prior finding: plaintiffs in FDCPA cases must meet their appropriate burdens of proof, or else their claims fail. Specifically at issue in Johnson v. ERC, No. 19-1210 (7th Cir. June 9, 2020) was whether the plaintiff was required to provide extrinsic evidence on a claim that a credit reporting statement in a collection letter was false, deceptive, or misleading. In this case, the answer is yes. 


So, What Happened?

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