of substantial financial harm caused by an inaccurate credit rating.”); Paz v. Portfolio Recovery Assocs., LLC, No. 15 C 5073, 2016 WL 6833932, at *2 (N.D. Ill. Nov. 21, 2016) (“The reason for these broad protections [in § 1692e(8)] is because an incomplete crédit disclosure creates the risk of an inaccurate credit rating .... [which] creates a substantial risk of harm.”). Fundamentally, “[t]he presence of inaccurate information on one’s credit record pose's a readily apparent risk of harm, ’ because it may lead other creditors or potential creditors to take adversé action or decline to offer credit.” Evans v. Portfolio Recovery Assocs., LLC, No. 15 C 4498, 2016 WL 6833930, at *3 (N.D. Ill. Nov. 20, 2016); see Saunders v. Branch Banking & Trust Co., 526 F.3d 142, 150 (4th Cir. 2008) (<HOLDING>). Thus, the Court finds that a violation of the
recognizing statutory credit holding that where there is no evidence that during the period in which the credit reporting agency carried the inaccurate information that it provided plaintiffs credit report to any third party no rational trier of fact could infer that any potential creditor or other person in plaintiffs community learned of any helpful information from the defendant credit reporting agency holding in the context of a fcra violation that a jury could find that a consumers credit score was negatively influenced by the failure to list a debt as disputed because evidence was presented that when a credit reporting agency received notice of a dispute it records the dispute in the credit report and does not include the derogatory information in assessing the credit score holding that reporting of historically accurate debt may violate the fcra when the reporting did not include that the debt was discharged in bankruptcy or that the debt was in dispute holding that a credit issuing bank did not breach a credit agreement when it unilaterally modified the terms