The plaintiff in Thomas v. Hyundai Capital Am. alleged a car dealership, collection agency and Equifax all violated the Fair Credit Reporting Act (FCRA). The plaintiff leased a vehicle and was asked to pay about $1,100 in fees for excess wear on the vehicle, a disposition fee and taxes. A collection agency was hired by the dealership when a check covering only the wear on the vehicle was received. The plaintiff filed suit when he requested that Equifax remove the overdue balance from his credit report, arguing the credit bureau failed to conduct a reasonable investigation. The Court found that it was not the responsibility of the CRA to determine whether the Plaintiff did not, in fact, owe the fees claimed by the dealership.

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