The Fair Credit Reporting Act (FCRA) preempts two 2019 amendments to Maine’s credit reporting law, as ruled by a Maine federal district court. A motion for judgment was filed by the Consumer Data Industry Association (CDIA). The first amendment prohibited a consumer reporting agency (CRA) from reporting medical debt on a consumer’s credit report until delinquency was at least 180 days old and it could not be reported once a CRA received “reasonable evidence” that a medical debt had been settled or paid in full. The second required a CRA to reinvestigate a debt if the consumer provided documentation that the debt was the result of “economic abuse” and, if found to be so, must remove any reference to the debt from the consumer report.
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