On May 2, the U.S. Court of Appeals for the 7th Circuit affirmed four district court decisions granting summary judgment in favor of consumers who alleged a debt collector violated the Fair Debt Collection Practices Act (FDCPA) by communicating debts to credit reporting agencies without indicating the debts were disputed. According to the opinion, the debt collector sent the four consumers a debt validation notice regarding an alleged credit card debt. More than 30 days later, a local legal aid organization sent the debt collector’s general counsel a notice of representation for each of the four consumers, noting, “the amount reported is not accurate.” After the attorney letters were sent, the debt collector reported the debts to the credit reporting agencies. The consumers each filed a separate action in district court alleging a violation of the FDCPA, and each district court granted the consumer summary judgment, finding the debt collector did not handle the letters properly. In the consolidated appeal, the 7th Circuit agreed with the district courts, holding that the actions of the debt collector were “a clear violation of the statute” as each attorney letter stated the amount was inaccurate and the debt collector still reported the debts without noting they were disputed. While the panel noted that there is no clear definition of “dispute” under the FDCPA, the court concluded, “there is simply no other way to interpret [the] language” of the attorney letter, rejecting the debt collector’s “bona fide error defense.”