No. 21-2430.

83 F.4th 231 (2023)

Stefan INGRAM, Appellant v. EXPERIAN INFORMATION SOLUTIONS, INC.; Equifax Information Services, LLC; Waypoint Resource Group, LLC; Comcast Cable Communications, LLC.

United States Court of Appeals, Third Circuit.

(October 2, 2023).

Attorney(s) appearing for the Case

Cary L. Flitter [ARGUED], Andrew M. Milz , Jody T. López-Jacobs , Flitter Milz, 450 N Narberth Avenue, Suite 101, Narberth, PA 19072, Brent F. Vulling , Vullings Law Group, LLC, 3953 Ridge Pike, Suite 102, Collegeville, PA 19426, Counsel for Appellants.

Ryan Cooper [ARGUED], Consumer Financial Protection Bureau, 1700 G Street NW, Washington, DC 20552, Imad D. Abyad , Federal Trade Commission, 600 Pennsylvania Avenue NW, Washington, DC 20580, Counsel for Amici Curiae in support of Appellants.

David P. Helwig [ARGUED], Marks O'Neill O'Brien Doherty & Kelly, 420 Fort Duquesne Boulevard, One Gateway Center, Suite 575, Pittsburgh, PA 15222, Cecil J. Jones , Cozen O'Connor, 1650 Market Street, One Liberty Place, Suite 2800, Philadelphia, PA 19103, Counsel for Appellee.

Before RESTREPO, PHIPPS and ROTH, Circuit Judges.


Appellant Stefan Ingram was simply trying to clear his credit report of an account that was falsely created in his name. The Fair Credit Reporting Act ("FCRA") provides consumers two ways to accomplish this; the first is by filing a "direct" dispute with the entity that furnished the consumer...

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