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PERSINGER v. SOUTHWEST CREDIT SYSTEMS, L.P.

No. 21-1037.

20 F.4th 1184 (2021)

Brooke PERSINGER, Plaintiff-Appellant, v. SOUTHWEST CREDIT SYSTEMS, L.P., Defendant-Appellee.

United States Court of Appeals, Seventh Circuit.

Decided December 22, 2021.

Attorney(s) appearing for the Case

David M. Marco, Esq. , Larry P. Smith , Attorneys, SMITHMARCO, P.C., Chicago, IL, for Plaintiff-Appellant.

Eugene Xerxes Martin, IV , Robbie Malone , Attorney, MALONE FROST MARTIN PLLC, Dallas, TX, Patrick A. Watts , Attorney, MALONE FROST MARTIN, PLLC, St. Louis, MO, for Defendant-Appellee.

Before MANION, WOOD, and BRENNAN, Circuit Judges.

In 2017, a bankruptcy court discharged Brooke Persinger's debts. A few months later, Southwest Credit Systems began collection efforts on a pre-petition debt of Persinger's, including by acquiring a type of credit information called her "propensity-to-pay score." Alleging that this information had been secured without a permissible...

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