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FDCPA Standing: Seventh Circuit District Court Affirms That "Annoyance and Confusion" Without Detrimental Action is Insufficient to Establish an Injury in Fact | Troutman Pepper


In
O’Toole v. Bob Roache Law, a Seventh Circuit District Court in Indiana granted a defendant’s motion to dismiss a Fair Debt Collection Practices Act (FDCPA) case for lack of standing. In its holding, the court emphasized that allegations of “annoyance or confusion” without allegations of detrimental action taken as a result of the alleged annoyance or confusion, is insufficient to establish an injury in fact necessary to confer standing to an FDCPA plaintiff.
In that case, the plaintiffs incurred a debt with Smokey Ridge Homeowners Association, Inc., and the defendant sent the plaintiffs a collection letter to collect on the debt. The plaintiffs alleged that the defendant’s letter provided “confusing and conflicting information” regarding their rights under the FDCPA and, consequently, that “‘[the] [Plaintiffs’] rights under [the FDCPA] [had] been violated and the Plaintiffs ha[d] been damage[d] thereby.’” ....

United States , Buschmann Voelkel , Convergent Outsourcing Inc , Smokey Ridge Homeowners Association Inc , Circuit District Court , Roache Law , Seventh Circuit District Court , Fair Debt Collection Practices Act , Smokey Ridge Homeowners Association , Seventh Circuit , ஒன்றுபட்டது மாநிலங்களில் , குவிதல் ஔட்‌ஸ்ர்ஸிஂக் இன்க் , புகை ரிட்ஜ் வீட்டு உரிமையாளர்கள் சங்கம் இன்க் , சுற்று மாவட்டம் நீதிமன்றம் , ஏழாவது சுற்று மாவட்டம் நீதிமன்றம் , நியாயமான கடன் சேகரிப்பு ப்ர்யாக்டிஸஸ் நாடகம் , புகை ரிட்ஜ் வீட்டு உரிமையாளர்கள் சங்கம் , ஏழாவது சுற்று ,