Fair Credit Reporting: 17.2.7.1.1 Introduction
A number of key CROA prohibitions apply to any “person,”201 and not just to credit repair organizations. Thus, the plain language of the Act provides that these prohibitions can be applied to persons and entities that do not meet the definition of “credit repair organization.” “Person” is clearly a broader term than “credit repair organization,” and courts should give effect to the apparent intent of Congress when it chose this broader term to define the scope of these prohibitions.202