U.S. Supreme Court Denies Petition for Writ of Certiorari in ARM Case Pintos

On Jan. 10, 2011, the U.S. Supreme Court denied Experian’s petition for writ of certiorari to overturn the decision of the Court of Appeals for the Ninth Circuit in Pintos v. Pacific Creditors.

In Pintos, the appellate court concluded a debt collector violated the Fair Credit Reporting Act (FCRA) by obtaining the consumer’s credit report without a permissible purpose. Specifically, the Ninth Circuit held the collector lacked a permissible purpose to obtain the consumer’s credit report because the debt at issue did not arise for a credit transaction initiated by the consumer.

Read the full article from ACA International here.