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The new WordPress so sucks — NO quotes, hardly any formatting options. So this is from NCLC:

Evans v. Portfolio Recovery Assoc., 889 F.3d 337 (7th Cir. 2018). Four consumers separately disputed amount of their debts with debt buyer who reported each debt to consumer reporting agencies without noting that the amount was disputed. The Seventh Circuit first held that the consumers’ alleged violation of § 1692e(8) was sufficient to show an injury-in-fact for Article III standing purposes because of the risk of financial harm caused by an inaccurate credit rating. Upholding summary judgment for the consumers on the merits of their § 1692e(8) claims, the court affirmed that the consumers disputed the debt by including the statement “the amount reported is not accurate” in their letters. The court also concluded that failure to inform a consumer reporting agency about a debt is always material. The Seventh Circuit rejected the debt buyer’s bona fide error defense because its failure to understand that the letter raised a dispute was a mistake of law.