Credit Discrimination: 9.4.2 Other Credit Reporting Issues
When a consumer exercises their rights in good faith under the Consumer Credit Protection Act (CCPA), creditors may not discriminate in reporting that consumer’s credit information to other creditors or to reporting agencies.96 For example, a creditor may not report a debt as “charged-off,”97 or give it a similar adverse characterization, when in fact the account was paid or canceled as part of a settlement or judgment in a suit brought by the consumer under CCPA.