Consumer Law Research Library

What it offers: Quarterly XLSX of AAA consumer cases (business name, outcome, fees, arbitrator, dates) required by CA CCP 1281.96.

How to use: Research a creditor's arbitration history, default/non-payment of fees, arbitrator outcomes before electing arbitration.

What it offers: 2025 Consumer Arbitration Rules, current Consumer fee schedule, fee-waiver affidavits (incl. CA/NJ), mass-arbitration supplementary rules.

How to use: Elect arbitration where card agreement allows (business pays most fees); use fee schedule to show cost burden on creditor; fee waiver forms.

What it offers: Statute requiring providers to publish consumer case data; related §§1281.97–.98 impose waiver/sanctions when business fails to pay fees within 30 days.

How to use: Move to withdraw from arbitration/seek sanctions when creditor fails to pay AAA/JAMS fees.

What it offers: Quarterly spreadsheet of JAMS consumer arbitrations completed in the last 5 years (non-consumer party, result, fees, usage history).

How to use: Evaluate JAMS forum history of a creditor/debt buyer; arbitrator selection.

What it offers: Procedural fairness standards and consumer fee cap for pre-dispute consumer arbitration clauses.

How to use: Argue business must bear fees; demand compliance before JAMS administers.

What it offers: Notice of Intent to Dispose content requirements; noncompliance bars deficiency.

How to use: Bar deficiency judgment where NOI is defective; class defense/counterclaims.

What it offers: Treatise on repossession, notice, deficiency defenses with state-by-state appendices.

How to use: State-specific repo notice and deficiency defense research for all 9 states.

What it offers: Repossession/disposition rules: notice of disposition (§9.611-.614), commercial reasonableness (§9.610), deficiency rebuttable presumption (§9.626).

How to use: Defeat/offset deficiency claims for defective notices or non-commercially reasonable sales; counterclaim under §9.625.

What it offers: CFPB action/proposed consent judgment detailing NCSLT suits without proof of ownership and false affidavits (see also TSI consent order).

How to use: Defend NCSLT private student loan suits; challenge pool supplements/deposit agreements and TSI affiants.

What it offers: Consent order re: TSI filing affidavits without personal knowledge for NCSLT.

How to use: Impeach TSI/servicer affiants; discovery on document custody.

What it offers: License status under CA Debt Collection Licensing Act and other DFPI licenses; enforcement actions.

How to use: Verify debt buyer/collector was DCLA-licensed when it sued; unlicensed-collection defenses/Rosenthal claims.

What it offers: Registration of Consumer Collection Agencies (FCCPA §559.553) and other OFR licensees.

How to use: Verify CCA registration; unregistered collection supports FCCPA claims.

What it offers: Collection agency (incl. debt buyer) license lookup under MD Collection Agency Licensing Act.

How to use: Unlicensed debt-buyer suits are subject to dismissal/judgment void (LVNV v. Finch line); verify license.

What it offers: License verification for TN collection service agencies and managers.

How to use: Check licensing of collectors/debt buyers suing in General Sessions.

What it offers: Surety-bond registration of third-party debt collectors under Fin. Code §392.101.

How to use: Confirm collector is bonded; unbonded collection is TDCA violation.

What it offers: List of licensed collection agencies in Wyoming.

How to use: Verify license of collector/debt buyer (WY requires licensure to collect/sue).

What it offers: Links to AZ Rules of Civil Procedure and Justice Court Rules of Civil Procedure (JCRCP).

How to use: JCRCP disclosure/default rules; Rule 60 motions to set aside default for bad service.

What it offers: Statewide justice court civil forms (answer, motion to set aside, garnishment objection).

How to use: File answers and garnishment objections in AZ JP collection cases.

What it offers: Step-by-step on responding to debt collection lawsuits, defenses, forms (Answer, fee waiver), after judgment.

How to use: Client education; quick reference on 30-day answer deadline and defenses.

What it offers: Official form answer to contract complaint (general denial + affirmative defenses).

How to use: Rapid general-denial answer in limited-civil debt cases (verified complaints may need specific denials).

What it offers: Full California Rules of Court and link to all Judicial Council forms.

How to use: Procedure for motions, discovery limits in limited civil, default rules.

What it offers: Current Florida Rules of Civil Procedure and Small Claims Rules (pretrial conference, Form 1.944 etc.).

How to use: Small claims pretrial/motions; FRCP 1.130 attach-contract challenges; vacating defaults (1.540).

What it offers: Self-help on being sued for debt, judgments, garnishments, exemptions; links to Help Centers.

How to use: Client handouts; confirm garnishment exemption procedures.

What it offers: Official DC-CV forms: complaint/affidavit judgment, Notice of Intention to Defend, motions, garnishment exemption requests.

How to use: File Notice of Intention to Defend within deadline; motion to vacate/claim exemptions in garnishment.

What it offers: Maryland Rules of Procedure; Rule 3-306 requires assignee/debt-buyer plaintiffs to prove chain of title, original creditor, charge-off data.

How to use: Oppose affidavit judgments lacking Rule 3-306 exhibits (bill of sale, account-level proof of assignment).

What it offers: Guide and forms for Special Civil Part (≤$20,000) incl. answering a complaint, motions, vacating default.

How to use: Use official Answer and motion-to-vacate-default forms; explain process to clients.

What it offers: Full NJ court rules incl. Part VI Special Civil Part, R. 4:43-2/6:6-3 default proofs, R. 4:50-1 vacating judgments.

How to use: Challenge default judgments entered without required proofs; motions under R. 4:50-1 for sewer service.

What it offers: Pa.R.C.P. full text (Rule 1019(i) writing attached, 1026 answer time, 237.1 10-day notice, 3000s enforcement).

How to use: Attack complaints lacking the underlying agreement (Rule 1019(i)); preliminary objections; open/strike default judgments.

What it offers: Rules governing Magisterial District Court civil actions (≤$12k), service, hearings, appeals (30-day appeal de novo).

How to use: Calendar MDJ hearing and appeal deadlines; challenge improper service in MDJ debt cases.

What it offers: Official statewide forms incl. MDJ civil, notice of appeal, IFP.

How to use: Grab MDJ notice of appeal/praecipe forms and fee-waiver petitions for clients.

What it offers: Supreme Court-approved plain-language forms incl. General Sessions civil and garnishment-related forms.

How to use: Forms for General Session civil warrant defense, appeals to Circuit, exemption claims.

What it offers: Overview and jurisdiction of General Sessions Courts (civil ≤$25k), where most TN debt suits are filed.

How to use: Confirm jurisdiction, 10-day appeal to Circuit, venue for civil warrants.

What it offers: TRCP text (applies in Circuit; General Sessions governed by statute—T.C.A. Title 16/20).

How to use: Motions on appeal de novo to Circuit; discovery and summary judgment after appeal from General Sessions.

What it offers: Statewide approved forms incl. justice court civil forms (answer, motion for new trial, statement of inability).

How to use: Download JP answer and motion forms for debt-claim cases.

What it offers: TRCP incl. Part V Justice Court rules; Rule 508 debt-claim petition content and default-judgment proof requirements.

How to use: Challenge JP debt-claim petitions missing Rule 508.2 info; oppose default judgments lacking required evidence.

What it offers: Self-help articles and form toolkits on debt-claim cases, garnishment, exempt property.

How to use: Client-facing guidance; answer form toolkits.

What it offers: WY Rules of Civil Procedure, Circuit Court rules, Rules Governing Access to Case Records.

How to use: Procedure in circuit-court debt suits; access-to-records requests.

What it offers: Small claims rules and forms (circuit court, ≤$6,000).

How to use: Defend small-claims collection suits; service and answer procedure.

What it offers: Bank history: charter, mergers/acquisitions, name changes, failures, FDIC cert number.

How to use: Trace original creditor successions (e.g., merged/failed card banks) and confirm correct legal names for chain-of-title gaps.

What it offers: Institution profiles, holding-company structure, historical names and transformations.

How to use: Map issuer parent/subsidiary relationships and bank-to-servicer structures.

What it offers: Federally insured credit union details, charter, mergers.

How to use: Identify credit-union original creditors and successors in auto-deficiency/loan suits.

What it offers: License records for state-licensed lenders, servicers and (in many states) debt collectors/debt buyers.

How to use: Check whether a debt buyer/collector held required state license when it sued (licensing defense/counterclaim).

What it offers: Lists of national banks and federal savings associations by state/charter.

How to use: Confirm a card issuer's national-bank status (NBA preemption/usury arguments; choice of law).

What it offers: Mandatory complaint allegations for debt buyers (charge-off balance, post-charge-off interest/fees, chain of title, last payment date).

How to use: Demurrer/motion to strike deficient debt-buyer complaints; defeat defaults lacking 1788.60 documents; counterclaim for statutory damages.

What it offers: TDCA text incl. §392.307 barring suit/revival of time-barred consumer debt, bonding requirement §392.101.

How to use: Counterclaims for TDCA violations; SOL defense; check unbonded third-party collector.

What it offers: Consent orders vs. debt buyers/collectors (Encore, PRA, Portfolio Recovery, TSI, law firms) detailing robo-signing and unsubstantiated suits.

How to use: Cite consent-order findings for affiant knowledge challenges and discovery on documentation practices.

What it offers: Free searchable federal dockets and opinions (RECAP), alerts on parties.

How to use: Research FDCPA case law and set alerts on collection firms/debt buyers sued in federal court.

What it offers: Nationwide federal index incl. all bankruptcy filings by name/SSN last-4; FDCPA/FCRA civil cases.

How to use: Bankruptcy scrub (discharge = defense / automatic-stay violation claim); find prior FDCPA suits against the collector or law firm.

What it offers: Disposable-earnings exemption (post-Prop 209 10% cap, hardship reduction).

How to use: Object to garnishments exceeding 10% cap; hardship petitions.

What it offers: CA wage garnishment process, claim of exemption, current exemption amounts; forms WG-006, EJ-155.

How to use: File Claim of Exemption (WG-006) and cite EJ-155 exemption amounts.

What it offers: Current dollar amounts of CA exemptions (wages, bank account auto-exempt, vehicle, homestead).

How to use: Protect bank accounts/wages after judgment.

What it offers: 50-state grading of wage, bank account, homestead, vehicle exemption laws with state summaries.

How to use: Quick state exemption comparison for PA, NJ, MD, CA, TN, TX, AZ, FL, WY before advising on judgment risk.

What it offers: Wages exempt from attachment except limited categories (support, board, student loans, etc.)—no wage garnishment for credit card debt.

How to use: Advise PA clients judgment creditors cannot garnish wages for consumer debt; object to improper attachments.

What it offers: Federal garnishment limits (25%/30x min wage) and fact sheets.

How to use: Baseline federal cap for any state; complaints re: termination for garnishment.

What it offers: Searchable complaints and company responses (debt collection, credit card, student loan).

How to use: Find complaint patterns against specific debt buyers/collectors for discovery, pattern evidence, and settlement leverage.

What it offers: Quarterly-submitted card agreements from issuers (arbitration clauses, choice of law, fees), searchable by issuer/date.

How to use: Obtain the governing cardmember agreement when plaintiff fails to attach it; check arbitration clause and assignment/choice-of-law terms.

What it offers: Quarterly charge-off/delinquency rates on credit cards and consumer loans (all commercial banks).

How to use: Context on charge-off practices and pennies-on-the-dollar economics in settlement negotiations.

What it offers: Full-text search of filings incl. credit card master trusts (10-D distribution reports, ABS-15G, 424B prospectuses) and debt buyer 10-Ks (Encore, PRA).

How to use: Show receivables were sold into securitization trusts (standing/ownership questions); pull debt buyer 10-K descriptions of purchase prices and litigation practices.

What it offers: Explains wage execution, bank levy, exemptions and objections in NJ.

How to use: Prepare objections to wage executions/levies (e.g., exempt SS funds, 10% wage cap/low-income protections).

What it offers: Federal and many state dockets, alerts, analytics.

How to use: Alerts on collectors/debt buyers; pull prior FDCPA pleadings.

What it offers: Federal/bankruptcy docket monitoring and alerts.

How to use: Bankruptcy and FDCPA case monitoring for collectors.

What it offers: State trial-court dockets and documents searchable across many counties (CA, TX, FL, NJ, PA, etc.), judge analytics, alerts.

How to use: Track filings by collection firms/debt buyers; find exemplar motions and judge rulings.

What it offers: State/federal case data with party/attorney search, alerts, API.

How to use: Monitor new suits against clients and plaintiff firm filing volume.

What it offers: Rules requiring hospitals to post machine-readable standard charges and shoppable services; enforcement info/complaints.

How to use: Compare billed charges to posted negotiated/cash prices to challenge unreasonable medical bills.

What it offers: How to dispute bills and file No Surprises complaints.

How to use: File NSA complaints as leverage in medical collection suits.

What it offers: Balance-billing protections, good-faith estimates for uninsured, patient-provider dispute resolution.

How to use: Defend surprise out-of-network bills; challenge amounts exceeding good-faith estimate by $400+.

What it offers: Financial Assistance Policy, billing and extraordinary collection action (ECA) limits for nonprofit hospitals.

How to use: Argue hospital sued before FAP screening/240-day window; demand charity-care application.

What it offers: Form 990s incl. Schedule H (charity care, bad debt, collection policies) for nonprofit hospitals.

How to use: Show hospital's charity-care spending and whether it reports collection suits; support 501(r) arguments.

What it offers: Aggregated hospital/payer price-transparency data by procedure and facility.

How to use: Quick benchmark of reasonable value for medical-bill disputes.

What it offers: Prohibits furnishing medical debt to CRAs and CRAs from reporting it (eff. 2025); contract provisions.

How to use: CA clients: medical collection on report is a per-se state violation; combine with CCRAA damages.

What it offers: Jan 2025 rule banning medical debt on credit reports; page notes rule was vacated (July 2025, Cornerstone Credit Union League v. CFPB, E.D. Tex.).

How to use: Know it is NOT in force; rely instead on Big-3 voluntary policies (paid medical debt and <$500 removed; 1-year delay) and state laws (e.g., CA Civ. 1785.27).

What it offers: CFPB research on medical debt on credit reports, accuracy problems.

How to use: Cite for inaccuracy of medical collections tradelines (support §1681e(b) arguments).

What it offers: Directory of AZ Supreme Court-certified process servers and discipline.

How to use: Check server certification/discipline for motions to set aside default.

What it offers: Circuit-certified process server list (FL certification is by circuit under Fla. Stat. 48.27).

How to use: Verify server certification on returns in Orange/Osceola; similar lists exist in each FL circuit.

What it offers: Registration requirements (Bus. & Prof. Code §22350) and complaint form for registered process servers in LA County.

How to use: Confirm server registration number/county on POS-010; file complaints; support CCP 473.5 motions.

What it offers: Search of JBCC-certified process servers (certification number, status, expiration).

How to use: Verify server certification on return of service; sewer-service/default attacks.

What it offers: Active-duty status certificates by SSN/DOB or name.

How to use: Verify plaintiff's SCRA affidavit before default; vacate defaults against servicemembers.

What it offers: Online access to court records/documents from participating AZ courts.

How to use: Obtain complaints and exhibits in AZ collection suits without clerk trip.

What it offers: Statewide case info from most AZ superior, justice and municipal courts (excludes some Maricopa/Pima data): parties, case type, events.

How to use: Check justice-court collection cases (AZ debt suits ≤$10k in JP courts), judgments and garnishment activity by defendant name.

What it offers: Public inquiry for Nashville/Davidson County court clerk civil records incl. General Session civil warrants.

How to use: Look up General Sessions civil warrants filed by debt buyers, service status, judgments and garnishments in Nashville.

What it offers: Statewide aggregated case index from all 67 FL clerks.

How to use: Run statewide name search for all pending suits/judgments against a client; identify serial plaintiffs.

What it offers: Statewide clerk-operated portal to search and view court records from participating Florida clerks.

How to use: Search county-court collection suits across counties; download complaints, affidavits of indebtedness, default papers.

What it offers: Civil docket and document images for Harris County district courts (Houston).

How to use: Pull district-court collection/deficiency suits and judgments; check service returns.

What it offers: Civil case summary and docket search, Civil Images (purchasable filed documents), tentative rulings; largest CA limited-civil collection volume.

How to use: Pull limited-civil collection complaints, proofs of service and default packages; check CCP 585/1788.58 compliance; order case images.

What it offers: Case lookup for the 26 Maricopa County justice courts (high-volume consumer debt venue).

How to use: Find debt-buyer suits in Maricopa JP courts, hearing dates, default judgments.

What it offers: Statewide District and Circuit Court dockets: parties, attorneys, events, judgments, garnishments, affidavit-judgment requests.

How to use: Pull District Court small-claims/contract docket, check affidavit-judgment status under Rule 3-306, identify debt-buyer plaintiffs and their counsel; run name searches for prior judgments.

What it offers: County civil docket and document images for Miami-Dade County/Circuit courts.

How to use: Review county-civil debt suits, Rule 1.944/small-claims pretrial dates, judgments.

What it offers: Public civil case jacket search (Law Division and Special Civil Part dockets) by docket number or party name; case status and filed-document list.

How to use: Confirm Special Civil Part (DC docket) collection suit status, default entry, judgment and wage-execution filings before appearing.

What it offers: Attorney e-filing and document access for Civil, Special Civil Part, and other divisions.

How to use: File Answers/motions to vacate default in Special Civil Part; download plaintiff's certification of proof and complaint images.

What it offers: Statewide docket sheets for Magisterial District Courts, all 67 Courts of Common Pleas and Philadelphia Municipal Court; search by participant name, docket no., OTN, attorney; printable docket PDFs.

How to use: Pull MDJ/CP docket for a collection suit, confirm service dates, default/judgment entry, appeal-de-novo deadlines; search a plaintiff (e.g., Midland, LVNV, Cavalry) or collection firm to see volume/patterns.

What it offers: Philadelphia CP civil docket search by name/case no.; docket entries and many filed-document images.

How to use: Review complaints, arbitration-program filings and exhibits (card statements, bills of sale) in Philly compulsory-arbitration debt cases; spot mass-filing plaintiffs.

What it offers: Info, forms and filing rules for Municipal Court civil/small claims (≤$12,000), where most Philly consumer debt suits are filed.

How to use: Check jurisdictional limit, hearing procedure, notice-of-intention-to-defend and appeal steps for MC debt claims.

What it offers: Statewide search of documents e-filed in Texas district, county and JP courts (participating counties); attorneys get broader document access.

How to use: Find plaintiff petitions and Rule 508 debt-claim filings statewide; review a debt buyer's affidavits and sworn accounts across cases for robo-signing patterns.

What it offers: Wyoming e-filing and case access portal (no statewide public trial-court case search; public records otherwise requested from circuit/district clerks).

How to use: File appearances/answers in circuit-court collection cases; access filed documents on cases where counsel of record.

What it offers: 6-year SOL for written contracts/credit cards (accrual on default/acceleration; see also §12-543 open accounts).

How to use: Plead SOL/accrual defenses in AZ JP collection suits.

What it offers: Rule prohibiting debt collectors from suing or threatening suit on time-barred debt; official commentary.

How to use: FDCPA counterclaim when collector sues on time-barred debt.

What it offers: Limitations periods: 5 yrs written contract, 4 yrs oral/open account, etc.

How to use: SOL defense on FL county-court collection suits; FCCPA claims.

What it offers: Bars debt buyers from suing after the SOL; payment/acknowledgment does not revive; see also CJP §5-101 (3-year SOL).

How to use: Dismiss time-barred debt-buyer suits; void time-barred judgments; MCDCA claims.

What it offers: Statutory text: 4-year limitation for contract/account actions.

How to use: Plead SOL on credit card/debt-buyer suits filed >4 yrs after default.

What it offers: Limitations periods incl. 4-year for debt (§16.004) and §16.069 etc.

How to use: SOL defense; pair with Fin. Code §392.307.

What it offers: NCLC practice resources on federal and private student loans, private loan collection suits.

How to use: Private student-loan defense strategies, discharge options.

What it offers: Current federal loan servicer directory and contact info.

How to use: Identify correct servicer for disputes and records requests.

What it offers: Rehabilitation, consolidation, and Default Resolution Group info; AWG and Treasury offset rights.

How to use: Resolve federal defaults, stop administrative wage garnishment, request hearings.

What it offers: Borrower-level federal loan history (NSLDS): loan types, holders/servicers, status, default dates, balances.

How to use: Distinguish federal vs. private loans; identify default date and holder; spot collection-agency assignments.

What it offers: Consumer attorney network, listservs, brief banks, conferences (incl. debt defense training).

How to use: Brief bank/listserv for debt-buyer defense; co-counsel referrals.

What it offers: Directory/association of collection law firms.

How to use: Identify opposing collection firms and their networks/affiliated debt buyers.

What it offers: Treatise on defending collection lawsuits: standing, chain of title, evidence, arbitration, SOL appendices, sample pleadings/discovery.

How to use: Primary desk reference for answers, discovery, and trial motions in debt-buyer suits.

What it offers: FDCPA/Reg F and state UDAP/collection statutes with state-by-state summaries.

How to use: FDCPA counterclaims and state-law claims (Rosenthal, MCDCA, TDCA, FCCPA).

What it offers: Debt-buyer trade group certification program (chain-of-title & documentation standards).

How to use: Cite RMAI certification standards in discovery about documents a certified buyer must hold.

What it offers: Required validation notice content incl. itemization date and itemization of interest/fees/payments.

How to use: Compare validation notice to complaint amounts; FDCPA counterclaims for defective notices.

What it offers: Full text of FDCPA with section navigation.

How to use: Quick statutory cites in letters/pleadings.

What it offers: Free federal & state case law with "How cited" tracking.

How to use: Quick FDCPA case law research (e.g., bona fide error, 1692k fees, standing post-TransUnion) without subscription.

What it offers: Official published federal court opinions (district, bankruptcy, circuit) searchable by text.

How to use: Free source of FDCPA opinions in your districts (E.D./M.D./W.D. Pa., D.N.J., D. Md., etc.).

What it offers: Member listserv, brief bank, FDCPA/debt-defense practice groups, CLEs.

How to use: Brief bank for FDCPA motions, expert referrals, debt-buyer discovery templates.

What it offers: NCLC Fair Debt Collection (10th ed.) treatise, state-law appendices (licensing statutes for all states), sample pleadings & discovery, updated online.

How to use: Primary go-to for FDCPA elements, state collection-agency licensing summaries, and form discovery/complaints; also Collection Actions treatise for defense.

What it offers: CFPB credit card market reports, Terms of Credit Card Plans survey (APRs, fees by issuer).

How to use: Verify issuer terms/APRs for interest-calculation challenges; card agreement comparisons (see also CFPB Credit Card Agreement Database).

What it offers: Quarterly-submitted cardmember agreements by issuer (arbitration, choice of law, interest/fees).

How to use: Obtain the actual cardholder agreement in effect to test debt buyer's standing, arbitration clause, and interest claims when plaintiff fails to attach it.

What it offers: Quarterly charge-off & delinquency rates for credit cards, consumer loans, etc.

How to use: Context for expert reports/briefs on charge-off practices; explain 180-day charge-off rule (FFIEC policy) when debt buyer claims post-charge-off interest.

What it offers: Quarterly data on household debt, collections on credit reports, delinquency transitions by state.

How to use: Statistics on third-party collections for briefs/jury context.

What it offers: Annual reports, 10-K/10-Q, earnings decks for parent of Midland Credit Management, Midland Funding LLC, Atlantic Credit & Finance.

How to use: Show portfolio purchase prices vs. face value, collection legal channel volumes, consent-order compliance disclosures.

What it offers: S-1 (2025 IPO) and periodic reports for Jefferson Capital Holdings (Jefferson Capital Systems LLC, St. Cloud MN).

How to use: Details on portfolio purchases (incl. from Conn's, Credit One, etc.), servicing via third parties/law firms, litigation risk factors.

What it offers: LVNV site: licenses list, account-holder portal; LVNV accounts serviced by Resurgent Capital Services (resurgent.com) – part of Sherman Financial Group.

How to use: Identify servicer (Resurgent) and master servicer relationships for joinder; LVNV posts state licenses (compare with state lookups); Sherman acquisition entities appear in chain of title (Credit One → MHC Receivables → Sherman Originator → LVNV).

What it offers: Aggregated company registry data (140+ jurisdictions): officers, registered addresses, related entities, filings.

How to use: Map debt buyer entity families (e.g., Midland Funding vs. Midland Credit Mgmt; Sherman Originator LLC; trusts) and alter egos; confirm proper legal names for caption.

What it offers: 10-K/10-Q/8-K for PRA Group (Portfolio Recovery Associates LLC).

How to use: Purchase-price multiples, legal collections spend, CFPB 2023 consent order disclosures; subsidiary structure for proper defendant.

What it offers: Full-text search of all SEC filings since 2001 (10-K, 10-Q, 8-K, exhibits).

How to use: Search 10-Ks of Encore Capital (Midland Credit Mgmt/Midland Funding), PRA Group, Jefferson Capital Systems (IPO 2025) for purchase-price data (cents on dollar), subsidiaries (Ex. 21), litigation & CFPB disclosures, forward-flow agreements with banks.

What it offers: Business profiles, complaint counts/text, alternate names, principals, addresses, government actions for collection agencies.

How to use: Quick background on small/regional collectors; alternate business names & principals for proper-party pleading; complaint patterns.

What it offers: 4M+ complaints searchable by company, product (debt collection), issue (e.g., "attempts to collect debt not owed", "written notification about debt"), state, ZIP, date; narratives; company responses; CSV/API export.

How to use: Pattern evidence of same misconduct by the defendant collector; identify boilerplate practices; support punitive/class allegations; find company legal names & responses; check volume by state.

What it offers: Small Entity Compliance Guide, Reg F FAQs, model validation notice (Form B-1), advisory opinions (pay-to-pay fees, time-barred debt).

How to use: Quick authority for what a compliant validation notice must say; attack pay-to-pay fees and misleading time-barred debt suits.

What it offers: Consent orders, complaints, stipulated judgments filterable by product (debt collection), with docs vs. Encore/Midland, PRA, collection law firms, etc.

How to use: Cite prior consent orders (e.g., Encore/Midland 2015 & 2020, PRA 2015 & 2023) to show knowledge of deficient chain of title/affidavit practices; discovery requests for compliance reports.

What it offers: Full text of Reg F with official commentary, model validation notice, safe harbors (7-in-7 call frequency, e-communications, time-barred debt).

How to use: Pleading/briefing validation-notice defects (1006.34), call-frequency, e-mail/text opt-out, time-barred debt disclosures; defense of collector compliance.

What it offers: Bank history, mergers, name changes, failures, successor institutions, FDIC cert #.

How to use: Trace original creditor (e.g., WebBank, Comenity, Synchrony, Credit One) through mergers/name changes to test chain-of-title assignment documents and bank-charter preemption claims.

What it offers: FTC complaints, orders, bans against abusive/phantom-debt collectors; annual FDCPA reports to Congress.

How to use: Identify prior FTC bans on individuals/owners behind collector shells; phantom debt schemes; cite FTC findings; check if defendant principals are under order.

What it offers: Directory of all state AG offices with links to each AG's consumer protection press releases and settlements.

How to use: Locate AG settlements/assurances of voluntary compliance against debt buyers (e.g., multistate Midland/Encore, PRA, LVNV AVCs); file complaints to build record.

What it offers: Largest collection trade association; member company directory, industry positions, compliance publications.

How to use: Identify whether collector is ACA member; find company affiliations/addresses; industry publications show knowledge of Reg F requirements.

What it offers: Daily collection-industry news with frequent summaries of FDCPA/FCRA/TCPA rulings and new filings.

How to use: Monitor recent FDCPA decisions and suits against specific collectors; spot new defense arguments.

What it offers: Member directory of mortgage-default/foreclosure law firms and servicers.

How to use: Identify foreclosure/mortgage-servicing counsel acting as debt collectors (FDCPA claims in foreclosure; Obduskey limits); mainly mortgage context.

What it offers: Directory of creditors' rights attorneys & agencies.

How to use: Locate forwarding networks and local collection counsel retained by national debt buyers; identify firms for FDCPA meaningful-attorney-involvement claims.

What it offers: Collection-industry news, lawsuit/regulatory tracking, debt buyer M&A and portfolio news.

How to use: Background on defendant's business, acquisitions, vendor relationships and litigation trends; defense-side view of case law.

What it offers: Trade association of collection law firms (creditors' rights attorneys); member firm directory by state.

How to use: Identify collection law firms and their clients/debt-buyer networks; FDCPA claims against attorney collectors (Heintz v. Jenkins); know opposing counsel.

What it offers: Receivables Management Association International certification standards (chain of title, documentation, data integrity) and list of certified companies (debt buyers, collection law firms, brokers).

How to use: Use RMAI Certification Program standards (e.g., requirement to have account-level documentation before suit) as industry standard of care; confirm whether debt buyer is certified and cross-examine on deviations.

What it offers: AZ Dept. of Insurance & Financial Institutions licensee search; collection agency licenses (now administered through NMLS), status, enforcement orders.

How to use: Verify AZ collection agency license (A.R.S. 32-1021) incl. debt buyers; unlicensed collection supports FDCPA and consumer-fraud claims; review DIFI consent orders.

What it offers: DFPI licensee search: DCLA debt collector licenses (incl. debt buyers), license #, status, pending applications, enforcement actions.

How to use: Verify DCLA licensure (required since 1/1/2022) of collector/debt buyer at time of collection; unlicensed collection supports Rosenthal Act/UCL claims; check DFPI enforcement actions for pattern evidence.

What it offers: OFR license verification (REAL datamart) incl. Consumer Collection Agency (CCA) registrations, status, dates, public filings/complaints/enforcement.

How to use: FL requires CCA registration (Fla. Stat. 559.553); collection without registration = FCCPA 559.72 claim and FDCPA 1692e(5); check registration on date of each letter/suit.

What it offers: MD Office of Financial Regulation license search portal; collection agency (incl. debt buyer) licenses issued through NMLS; enforcement/consent orders.

How to use: MD requires debt buyers to be licensed (MCALA); judgments obtained by unlicensed collectors are attackable (LVNV v. Finch); check license dates vs. suit filing date; MCDCA/MCPA claims.

What it offers: NJ Dept. of Banking & Insurance licensee search: consumer lender, sales finance, debt adjuster licenses, status.

How to use: NJ debt buyers that buy consumer loans may need a Consumer Finance Licensing Act license (Veras v. LVNV line of cases); check licensure for CFLA/FDCPA claims. NJ collection agencies themselves only file a bond (N.J.S.A. 45:18) – no public online collection-agency registry.

What it offers: Company/branch/individual license records for state-licensed nonbanks incl. collection agencies & debt buyers in states that license via NMLS (MD, AZ, WA, etc.); NMLS ID, license type/status, effective dates, regulatory actions, trade names, addresses.

How to use: Confirm whether collector/debt buyer held required license on the date of each collection act/suit (unlicensed collection = FDCPA 1692e(5)/1692f + state UDAP); pull trade names & public enforcement actions for complaint and discovery.

What it offers: Searches DoBS-licensed entities (consumer discount cos., sales finance, debt management/settlement, mortgage) and links to NMLS; enforcement orders.

How to use: PA has no general collection-agency license; use to check if debt buyer/assignee needed a CDCA/MVSFA/debt-settlement license and to find DoBS enforcement orders; pair with FCEUA (73 P.S. 2270) claims.

What it offers: TN Dept. of Commerce & Insurance license verification incl. Collection Service Board collection-service licenses and locations managers; status, expiration, disciplinary actions.

How to use: Confirm collection service license under TCA 62-20; unlicensed collection supports FDCPA 1692e/f and Tennessee Consumer Protection Act theories and defenses to collection suits.

What it offers: Registry of third-party debt collectors & credit services organizations that filed the $10,000 surety bond under Tex. Fin. Code 392.101; registration #, bond info, address.

How to use: Check whether third-party collector/debt buyer filed required bond; unbonded collection = TDCA 392.101 violation actionable under 392.403 and DTPA; frequently used against debt buyers in TX justice court suits.

What it offers: Board-published list of licensed collection agencies and managers (W.S. 33-11); applications and rules; WY Division of Banking consumer-lending licensee list also available.

How to use: Verify WY collection agency license; WY Supreme Court treats debt buyers as needing licenses – unlicensed suits/collection support FDCPA claims.

What it offers: Dockets, analytics on companies as litigants, opinions, practice centers.

How to use: Company litigation history for collectors and law firms; judge analytics for FDCPA motions.

What it offers: Free PACER docket & document archive, federal & state appellate opinions, alerts, API; search by nature of suit 480 (Consumer Credit) / "FDCPA".

How to use: Find prior FDCPA suits and complaints against a collector, sample pleadings, expert reports, settlements; set docket alerts on defendants.

What it offers: Federal & many state court dockets, analytics by party/judge/nature of suit, alerts.

How to use: Litigation analytics on collector defendants and judges; track state collection suits in covered courts.

What it offers: Federal docket tracking with automatic document downloads.

How to use: Monitor FDCPA/FCRA dockets in PA, NJ, MD, etc.

What it offers: Browser extension that shares PACER purchases to RECAP and shows free copies.

How to use: Save PACER costs when researching FDCPA dockets.

What it offers: Full-text search of hundreds of millions of US court records (state trial courts).

How to use: Quick free search for collection suits vs. client or a debt buyer's filing patterns.

What it offers: Official federal court dockets & filings (district, bankruptcy, appellate).

How to use: Pull complete dockets on FDCPA cases vs. defendant; bankruptcy claims filed by debt buyers (PRA, LVNV) for proof-of-claim abuse; $0.10/page, waived under $30/qtr.

What it offers: Federal docket search/alerts with party search, nature-of-suit filters, new-case alerts.

How to use: Alerts when a debt buyer/collector is sued in federal court; track opposing counsel.

What it offers: Aggregated state & federal court records with party/attorney search and API.

How to use: Find volume of state-court collection suits filed by a debt buyer or firm (robo-filing evidence) in CA, TX, FL, etc.

What it offers: Weekly/monthly FDCPA, FCRA, TCPA filing statistics, top defendants, plaintiff attorneys, and a subscription database of consumer litigants ("serial litigant" screening).

How to use: Plaintiff side: track which collectors are sued most and by whom; defense side: collectors screen consumers/attorneys – expect it to be used against clients; stats for fee petitions/market context.

What it offers: AZ entity records, statutory agent, principals, annual reports, documents.

How to use: Statutory agent for service; principals of collection agencies.

What it offers: CA SOS entity status, agent for service, statements of information (officers), filing images.

How to use: Service on CA agent; identify officers for Rosenthal individual liability; foreign registration of debt buyers.

What it offers: FL entity records, registered agent, officers, annual reports, fictitious names.

How to use: Service of process; fictitious-name registrations used by collectors; officers for FCCPA claims.

What it offers: MD entity records, resident agent, status, filings & trade names.

How to use: Resident agent for service; trade-name registrations of collectors.

What it offers: NJ entity name/status search; business entity status reports and records (paid).

How to use: Registered agent and status for service; confirm foreign registration of collectors.

What it offers: PA entity status, registered office/CROP, officers, filing history, foreign registration.

How to use: Proper defendant names, registered office for service, whether foreign debt buyer registered to do business.

What it offers: Largest commercial registered agents (CSC, CT Corp) – identify via SOS records, send SOP.

How to use: Most national debt buyers use CT/CSC; confirm agent via SOS record then serve; check SOP addresses.

What it offers: TN entity status, registered agent, annual reports, filing history.

How to use: Service of process; confirm collector registration in TN.

What it offers: TX entity records, registered agent, assumed names, UCC; $1/search via SOSDirect (replaced by new SOSPortal); free alternative: Comptroller taxable-entity search.

How to use: Registered agent for service and assumed names of debt collectors; check against SOS debt-collector bond registry.

What it offers: WY entity status, registered agent, annual reports.

How to use: Service on WY entities; note WY LLC anonymity – identify registered agents behind shell collectors.

What it offers: FL UCC filings search by debtor name.

How to use: Find receivable-financing liens on FL collectors/debt buyers; collect judgments.

What it offers: Directory linking to each state's UCC filing search (PA DOS, NJ DORES, MD SDAT, CA bizfile UCC, TN SOS, TX SOSDirect, AZ SOS, FL Secured Transaction Registry, WY SOS).

How to use: UCC-1 filings show lenders financing debt portfolios (collateral: purchased receivables) – identifies true owners/financiers and supports chain-of-title and alter-ego discovery; asset search for judgment collection.

What it offers: Current carrier and line type lookup (LNP-aware).

How to use: Confirm current carrier/wireless status of client's or caller's number.

What it offers: Free NPA-NXX to carrier and city lookup.

How to use: First-pass identification of original carrier for a calling number.

What it offers: Carrier name, mobile vs. landline, SMS/MMS gateway.

How to use: Free quick check of wireless status for §227(b) cell-phone element.

What it offers: NPA-NXX / thousands-block owner (OCN, company), rate center, LATA, switch.

How to use: Free quick lookup of which carrier/CLEC owns a number block (block holder) for subpoena planning.

What it offers: NPA-NXX (central office code) assignments by carrier/OCN, thousands-block assignments, area code search, p-ANI and CIC reports.

How to use: Identify the carrier originally assigned a number block (e.g., a VoIP CLEC used by robocallers); support subpoena targeting.

What it offers: Official LNP database info; Law Enforcement / authorized access to ported-number carrier (LRN) data; IVR ported-number query for authorized users.

How to use: Determine the current serving carrier of a ported number (original NANPA carrier may be wrong); informs subpoena target.

What it offers: NPA-NXX-X exchange detail, OCN, carrier, switch CLLI, rate center.

How to use: Identify carrier/OCN behind a number block; cross-reference with FCC 499 filer data for carrier contact info.

What it offers: Complaints vs. financial companies incl. 'communication tactics'/robocall narratives.

How to use: Pattern evidence of collector/servicer robocalls; find narratives mentioning calls after revocation.

What it offers: Global company registry search (officers, addresses, registered agents, filings) aggregated from state SoS.

How to use: Identify the entity behind a DBA/lead-gen brand and related shell companies across states.

What it offers: CA bizfile; NJ, MD, PA, TX SOSDirect & Comptroller, FL Sunbiz, TN, AZ ACC eCorp, WY business entity searches with legal name, registered agent, officers.

How to use: Get legal name, registered agent, officers of caller/lead generator for service and alter-ego analysis.

What it offers: User-reported complaints by phone number with call content, caller name, dates.

How to use: Identify company behind number, pattern evidence (prerecorded messages, volume), find other victims/class members.

What it offers: Searchable consumer scam reports incl. phone numbers and company names.

How to use: Find other complaints tying a caller number to a business; locate witnesses.

What it offers: Number lookup with robocall classification, recordings/transcripts of robocalls, most-active robocallers, state heatmap.

How to use: Recorded audio of robocall campaigns from honeypots — evidence of prerecorded voice and message content.

What it offers: Spam-call app data, robocall insights/reports, number reputation.

How to use: Reputation/label evidence; robocall trend statistics for briefs.

What it offers: User ratings/reviews of phone numbers, caller categories.

How to use: Quick reputation/identification of caller; screenshot for intake file.

What it offers: Crowd-sourced caller reports by number.

How to use: Corroborate identity and robocall nature of caller; pattern evidence.

What it offers: Reverse lookup with voicemail transcripts of robocalls captured by YouMail; Robocall Index (robocallindex.com) national volume stats by caller/area code.

How to use: Obtain transcripts of actual prerecorded messages left by a number (proves artificial/prerecorded voice); volume data for expert/complaint.

What it offers: Technographic install data showing companies using specific CCaaS/dialer products; HG Insights: hginsights.com.

How to use: Corroborate dialer vendor identity; lists of companies using a litigated dialer (e.g., to find additional defendants).

What it offers: Technology profiles of company websites (chat, call-tracking, lead-form, consent tools like TrustedForm/Jornaya, CRM).

How to use: Identify lead-gen/consent-capture tech and call-tracking vendors on defendant or lead-generator websites to target subpoenas.

What it offers: Employee profiles and job postings listing dialer skills (e.g., 'LiveVox', 'Five9', 'Convoso' admin), contact center locations.

How to use: Identify defendant's dialer platform and dialer administrators to depose/subpoena.

What it offers: Company profiles with installed-technology data (dialer/CCaaS vendors), org charts, contacts.

How to use: Find which dialer platform a defendant uses and who runs its contact center before discovery.

What it offers: Vendor of Aspect Unified IP and Noble Maestro dialers used by collectors and servicers.

How to use: Name correct successor entity in subpoenas re Noble/Aspect dialer capacity; product literature for ATDS arguments.

What it offers: Outbound dialer heavily used by lead-gen/insurance/solar telemarketers; voice AI agents.

How to use: Common in telemarketing DNC/robocall cases; subpoena call logs & DID rotation records.

What it offers: Cloud contact center with predictive/progressive dialer, voice AI.

How to use: Product documentation for dialing modes; subpoena target for call-detail records.

What it offers: Genesys Cloud CX outbound campaigns/predictive dialing.

How to use: Identify dialing modes and records available (campaign logs, contact lists) for discovery.

What it offers: NICE CXone and LiveVox dialer (predictive/preview/manual/HCI 'TCPA' modes).

How to use: Identify ATDS/prerecorded capabilities; LiveVox's HCI mode is frequently litigated in debt-collector TCPA cases — subpoena vendor manuals/configs.

What it offers: Cloud contact center/dialer popular with collection agencies & healthcare.

How to use: Identify dialing modes (manual/predictive) and TCN compliance features in collector cases.

What it offers: Open-source predictive dialer documentation/manuals widely used by offshore/lead-gen call centers.

How to use: Manuals show auto-dial/predictive functionality and log tables (vicidial_log) to request in discovery.

What it offers: Contact center/dialer & SMS platform for sales teams (lead-gen, insurance).

How to use: Subpoena for call/text logs in telemarketing cases.

What it offers: STIR/SHAKEN rules, deadlines, orders, attestation-level framework.

How to use: Understand/argue attestation (A/B/C) evidence in carrier records and whether providers complied.

What it offers: Weekly informal complaint data incl. unwanted calls: caller ID number, date, issue, method (prerecorded/live), state/ZIP; open data API available.

How to use: Search caller numbers to show volume of complaints against a caller (willful/knowing, class size), identify other victims by geography.

What it offers: All filings in FCC dockets (e.g., CG 02-278 TCPA, WC 17-97 call authentication, CG 17-59 robocall blocking), petitions for declaratory ruling, comments.

How to use: Research defendant/industry positions, dialer-maker petitions (e.g., ATDS definition), and FCC TCPA rulings; find company admissions in comments.

What it offers: NALs, forfeiture orders, cease-and-desist letters to robocallers and gateway providers, consent decrees.

How to use: Check whether a caller/carrier has prior FCC actions (supports willfulness/treble damages, piercing, provider knowledge).

What it offers: Telecom carriers' legal/DBA names, 499 filer ID, HQ address, D.C. agent for service of process, officers.

How to use: Find registered agent/address for serving subpoenas on VoIP carriers identified via NANPA/LNP/traceback.

What it offers: Whether a number was permanently disconnected after a given date (reassignment check).

How to use: Wrong-number cases: show caller could have checked RND; defense: RND safe harbor analysis.

What it offers: Each voice provider's/gateway's certification, STIR/SHAKEN implementation status, robocall mitigation plan, contact person, business address.

How to use: Identify carriers in the call path, their contacts for subpoenas/notices, and whether they filed plans (evidence for claims against upstream providers).

What it offers: Plain-language TCPA rules summary, links to complaint filing, consent/revocation rules.

How to use: Client education; quick cite for current FCC positions (e.g., consent revocation).

What it offers: TSR text incl. DNC, abandoned calls, prerecorded messages, recordkeeping.

How to use: TSR standards for recordkeeping discovery and state-law claims borrowing TSR.

What it offers: Current text of 47 CFR 64.1200 (DNC, consent, time-of-day, revocation, identification) and 64.1601.

How to use: Cite current rules incl. internal DNC (64.1200(d)) and caller-ID requirements.

What it offers: FTC enforcement actions incl. TSR/robocall/lead-gen cases, complaints, orders.

How to use: Find prior FTC actions against defendant, lead generators, or dialer platforms (e.g., VoIP providers facilitating robocalls).

What it offers: Consumer fraud/DNC complaint database; public data books; full access for law enforcement.

How to use: State-by-state complaint stats; AG/law-enforcement partners can query caller complaints.

What it offers: Daily/weekly DNC complaint data: company phone number, date/time, robocall Y/N, subject, consumer city/state/area code.

How to use: Search a caller number to show prior DNC complaints (willfulness), class geography; Tableau dashboard also available.

What it offers: Registrations and complaints by state, topic, robocall share, per-capita stats.

How to use: Statistics for complaints/briefs; state-level complaint figures for the 9 states.

What it offers: Verify a number's registration date on federal DNC; telemarketer access portal (SAN subscriptions).

How to use: Obtain proof/date of client's DNC registration (§227(c) requires 31+ days); discovery re defendant's SAN/scrub records.

What it offers: Phone-to-person/business, historical phone subscribers, corporate affiliations.

How to use: Identify historical subscriber of a number (reassigned number defense/offense), locate principals of callers and lead generators.

What it offers: Phone, people, business, asset records; phone-number history.

How to use: Tie caller numbers to entities/individuals; asset search for judgment collection against TCPA defendants.

What it offers: Consent-certificate service (session replay of web lead form, timestamp, IP) used by lead buyers.

How to use: Demand the TrustedForm certificate/claim URL in discovery to test alleged web consent (one-to-one consent issues).

What it offers: Lead-event/consent verification tokens (LeadiD) tracking lead origin & TCPA disclosure.

How to use: Subpoena Jornaya/Verisk for lead origin & consent language to identify the lead generator and publisher.

What it offers: TCPA litigator/DNC scrub API and TCPA case data for telemarketers.

How to use: Understand defendants' compliance tools; subpoena scrub logs.

What it offers: Suppression/scrub list of TCPA plaintiffs, attorneys, and litigious numbers; DNC scrub services.

How to use: Anticipate defense 'litigator scrub' strategies; discovery into whether defendant scrubbed.

What it offers: Litigation-scrub database of FDCPA/FCRA/TCPA plaintiffs & litigators; publishes monthly consumer-litigation stats.

How to use: Track TCPA filing trends; defense side uses it to scrub serial litigants (anticipate 'professional plaintiff' arguments).

What it offers: Carrier/line-type, CNAM, wireless/landline ID, SMS gateway lookup APIs.

How to use: Batch carrier/line-type and CNAM checks for class-wide cell-phone proof.

What it offers: Phone intelligence (carrier, line type, prepaid, subscriber name linkage, activity) — now part of Mastercard identity solutions.

How to use: Enterprise-grade phone-to-subscriber linkage for wrong-number / reassigned-number disputes.

What it offers: Caller ID/spam-reputation data (powers carrier spam labels for AT&T etc.), app lookups.

How to use: Check spam/'Scam Likely' labeling of caller numbers; evidence of call volume/reputation.

What it offers: Free reverse phone lookup with name/carrier.

How to use: Quick free first-pass ID of a calling number at intake.

What it offers: Phone validation, carrier, line type, location via JSON API.

How to use: Quick bulk validation/line-type classification of numbers in a call log or class list.

What it offers: CNAM (caller ID name) dips from Neustar's CNAM database; opencnam.com now redirects to TransUnion/Neustar caller-name services.

How to use: Retrieve the registered CNAM string displayed for a calling number to tie calls to a named business.

What it offers: Reverse phone, carrier lookup, CNAM, people search.

How to use: Low-cost ad hoc reverse phone/carrier lookups on individual calling numbers.

What it offers: Free reverse phone lookup; voicemail-greeting listen.

How to use: Hear the voicemail greeting/name on a callback number to identify the caller business.

What it offers: Carrier, line type, portability status (LRN/ported), CNAM.

How to use: Cheap confirmation of current carrier/porting status of a calling number or the client's number; identify the originating VoIP carrier to subpoena.

What it offers: Crowdsourced caller name, spam labels, number search (web/app).

How to use: Identify business name/spam label associated with a robocaller number; screenshot for exhibits/intake.

What it offers: Carrier name, line type (mobile, landline, fixed VoIP, non-fixed VoIP, toll-free), CNAM caller name, SIM-swap/reassignment signals via API or console.

How to use: Prove the called number was a cellular line (§227(b)) or residential line; identify caller's carrier/VoIP provider to target subpoenas; batch-check numbers in call logs.

What it offers: Phone-to-person/business, address, carrier, line type, property data via API.

How to use: Match caller or reassigned-number subscribers to identities; check who held a number (wrong-number/reassigned claims).

What it offers: AZ statute on DNC calls/texts and caller-ID blocking (§44-1278); AZ uses national registry; telephone solicitor registration with AZ SOS.

How to use: AZ state claims (2023 amendments cover texts; private right of action); check solicitor registration.

What it offers: CA statute incorporating national DNC list; CA OAG consumer resources (oag.ca.gov/consumers).

How to use: Add CA state-law DNC/UCL claims for CA clients.

What it offers: Florida state DNC list signup/verification; FTSA text with private right of action, autodialer and consent rules; FDACS telemarketer licensing.

How to use: Plead FTSA claims ($500/$1,500 per call), verify FL DNC listing, check whether caller holds FL commercial telephone seller license.

What it offers: MD mini-TCPA (2023) statute text: automated-system consent, time limits, call frequency; MD relies on federal registry.

How to use: Plead MD state-law claims alongside TCPA (via MD CPA); MD AG Consumer Protection complaints.

What it offers: NJ DNC law info (N.J.S.A. 56:8-119 et seq.; NJ uses national registry), telemarketer registration, complaint filing.

How to use: NJ CFA-based DNC claims; confirm telemarketer registration status.

What it offers: PA DNC registration/complaints under Telemarketer Registration Act (73 P.S. §2241 et seq.).

How to use: Verify PA DNC status; UTPCPL claims for Telemarketer Registration Act violations; file AG complaint.

What it offers: TN DNC/DNT register (T.C.A. §65-4-401 et seq.), consumer registration, solicitor registration, complaint form.

How to use: Verify TN register listing; check whether solicitor registered with TPUC; file TPUC complaint.

What it offers: Texas statewide DNC registration (residential & wireless) and Electric No Call list; effective dates.

How to use: Confirm client's TX list registration for Tex. Bus. & Com. Code ch. 304 claims.

What it offers: Title 40 PDF incl. telephone solicitation/DNC provisions (WY uses national registry); AG complaints.

How to use: Wyoming state-law hook for DNC violations; AG complaint referral.

What it offers: List of authorized STIR/SHAKEN service providers and certificate authorities, revoked tokens, policies.

How to use: Confirm whether a carrier in the call path holds a SHAKEN SPC token; interpret attestation data produced in discovery.

What it offers: Free TCPA opinions and federal dockets/filings; search by dialer name (e.g., 'LiveVox', 'Noble') to find cases revealing which companies use which dialer; API.

How to use: Case law research and finding prior complaints/depositions against same defendant or dialer vendor.

What it offers: Legal news on TCPA class actions, settlements, appellate rulings.

How to use: Track settlements and cases against specific defendants/dialer vendors.

What it offers: NCLC treatise covering TCPA, TSR, robocalls/texts with case law and practice tips.

How to use: Primary plaintiff-side TCPA treatise for pleading, damages, and ATDS/consent issues.

What it offers: Nationwide federal party search across district/bankruptcy/appellate courts.

How to use: Find all prior TCPA suits against a caller/lead generator; locate discovery (dialer identity, vendors) in other cases.

What it offers: Federal docket search/alerts, new-case feeds by nature of suit (890 Other Statutory Actions incl. TCPA).

How to use: Alerts for new TCPA filings against a defendant; monitor competitors' TCPA filings.

What it offers: Daily TCPA news, new rulings, FCC developments, class action filings (defense perspective).

How to use: Fast tracking of new TCPA decisions (post-McLaughlin, ATDS, revocation) and FCC rule changes.

What it offers: Industry consent, opt-out (STOP), and content rules for A2P SMS/short codes/10DLC.

How to use: Benchmark defendant's texting practices vs. industry opt-out/consent standards; exhibits on STOP-keyword handling.

What it offers: Real-time TFNRegistry availability search for 8XX numbers; directory of certified Resp Orgs (toll-free service providers).

How to use: Confirm a toll-free number is assigned (not spare) and identify Resp Orgs to subpoena for the subscriber of a toll-free robocall number.

What it offers: Central registry of 10DLC brands and campaigns (brand EIN, use case, sample messages) registered by CSPs.

How to use: Subpoena TCR/CSP for brand & campaign registration tying a local-number texting campaign to a company and its stated consent/opt-in flow.

What it offers: Official U.S. common short code registry; short-code availability search, partner/connection aggregator directory, CTIA Short Code Monitoring Handbook.

How to use: Confirm a texting short code is registered and identify aggregators/carriers to subpoena for the short-code lessee in robotext cases.

What it offers: Traceback process info, annual reports on robocall campaigns, list of non-cooperative providers, subpoena/policies.

How to use: Subpoena ITG for traceback records identifying the originating provider/customer of a robocall campaign; cite reports for provider knowledge.

What it offers: NCLC reports, issue briefs, comments on credit reporting (medical debt, tenant screening, e-OSCAR).

How to use: Research policy reports to cite for industry-practice facts (e.g., automated dispute failures).

What it offers: Periodic reports of exam findings incl. CRA and furnisher violations (dispute handling, ID theft blocks, inaccurate reporting).

How to use: Cite regulator findings of industry-wide dispute failures to support willfulness.

What it offers: CFPB FCRA exam procedures, advisory opinions, circulars and guidance.

How to use: Cite CFPB advisory opinions (e.g., name-only matching, file disclosures) for accuracy standards.

What it offers: Consumer dispute instructions with sample letters.

How to use: Client-facing template/education; baseline for dispute letters.

What it offers: 2011 FTC staff summary of interpretations section-by-section.

How to use: Frequently cited persuasive authority on definitions (consumer report, permissible purpose, reasonable procedures).

What it offers: Employer duties: stand-alone disclosure, authorization, pre-adverse/adverse action notices.

How to use: Evaluate §1681b(b)(2) disclosure and §1681b(b)(3) pre-adverse claims in employment cases.

What it offers: Furnisher duties under §1681s-2 and Reg V.

How to use: Frame furnisher-defendant claims; use in depositions of furnisher compliance staff.

What it offers: Detailed employer FCRA obligations guide.

How to use: Cite in employer-defendant cases.

What it offers: FTC/CFPB guidance on accuracy (matching, stale/sealed records) for tenant screeners.

How to use: Support §1681e(b) claims for name-only matching and reporting sealed/dismissed evictions.

What it offers: NCLC Digital Library incl. Fair Credit Reporting & Consumer Bankruptcy Law and Practice (discharged-debt reporting, Metro 2 CII codes).

How to use: Build claims where accounts report balances/past-due after discharge; cross-check with the CRRG bankruptcy guidance.

What it offers: NACA FCRA overview; members get listservs, brief bank, FCRA conference materials; Find-an-Attorney directory.

How to use: Brief banks and listserv for expert names and CRA defense tactics; referral network.

What it offers: Equifax dispute portal, mailing address and dispute status; myEquifax account for reports.

How to use: Send/track §1681i disputes; many practitioners prefer certified-mail disputes with documentation to build the record, then pull reinvestigation results.

What it offers: Online dispute filing, dispute-results retrieval, mailing address for written disputes.

How to use: File/track disputes and retrieve reinvestigation results; results letters establish the date the CRA "verified" the inaccurate item.

What it offers: TransUnion Service Center disputes (online/mail/phone), dispute status and results.

How to use: Same dispute/record-building role for TransUnion; screenshot or save results for the complaint.

What it offers: Only federally authorized source for free Equifax, Experian and TransUnion reports (free weekly online access now permanent).

How to use: Pull all three reports at intake and again post-dispute to prove the inaccuracy persisted (damages/willfulness timeline); preserve PDFs with report dates as exhibits.

What it offers: Free federal opinions and RECAP PACER dockets; saved searches/alerts.

How to use: Find FCRA opinions and complaints filed against specific CRAs/furnishers; set alerts on defendants.

What it offers: Federal dockets/filings.

How to use: Pull prior FCRA complaints, settlements and expert reports involving the same defendant.

What it offers: Searchable/downloadable complaints by company, product (credit reporting), issue, state, ZIP, date, with narratives and company responses.

How to use: Find patterns vs. a CRA/furnisher (same error type) for willfulness and class allegations; pull client's own complaint record.

What it offers: Portal to file complaints against CRAs/furnishers; companies must respond, typically within 15 days.

How to use: Pre-suit pressure and record-building; response can be an admission or show failure to investigate.

What it offers: Step-by-step dispute guide and sample dispute letters for CRAs and furnishers.

How to use: Client handout; template dispute letters.

What it offers: CFPB-maintained list of nationwide & specialty CRAs (employment, tenant, check/bank, insurance, medical, low-income/subprime, utilities, supplementary credit), each with its own page giving how to request a file disclosure, dispute, and opt out.

How to use: Intake checklist: identify every CRA likely to hold a file on the client, send §1681g file requests to all of them before drafting the complaint; also shows which CRAs to name as defendants.

What it offers: Plain-language explanation of specialty CRAs and consumer rights to a free annual file from nationwide specialty CRAs.

How to use: Client-education handout; cite to explain why client is entitled to free annual disclosure from specialty CRAs (12 CFR 1022.130 et seq.).

What it offers: Free TransUnion & Equifax VantageScore reports and alerts.

How to use: Low-cost ongoing monitoring for clients; not a substitute for official file disclosures in evidence.

What it offers: Free Experian report/FICO monitoring; paid 3-bureau tier.

How to use: Monitor Experian file; paid tier shows 3 bureaus.

What it offers: 3-bureau reports and FICO scores (incl. mortgage/auto versions), monitoring alerts.

How to use: Show score impact of inaccuracy for credit-denial damages; monitor client file during case.

What it offers: Texas data broker registration/security requirements.

How to use: Cite in TX privacy/data-broker claims (AG enforcement).

What it offers: Searchable/downloadable registry of data brokers registered under Delete Act (Civ. 1798.99.80 et seq.), with contact/deletion info.

How to use: Identify data brokers selling client data; potential FCRA "consumer report" theories where brokers furnish eligibility data; CA deletion rights.

What it offers: One-stop deletion request to all registered data brokers (CA Delete Act; brokers must process from Aug 2026).

How to use: ID-theft/stalking-risk clients in CA: submit single deletion request.

What it offers: Oregon registry of data brokers.

How to use: Supplemental broker lookup.

What it offers: Registration list of data brokers under Tex. Bus. & Com. Code ch. 509.

How to use: Identify brokers; TX AG enforcement referrals; discovery targets.

What it offers: Search registered data brokers (name, address, opt-out methods, breach disclosures).

How to use: Largest historical national registry — find addresses/opt-out processes of brokers/background-check sites.

What it offers: Web platform used by CRAs and furnishers to exchange ACDVs/AUDs (automated dispute verification & updates); training site e-oscar-training.org.

How to use: Explains dispute routing; in discovery request the ACDV (dispute code, FCRA narrative) and ACDV response to show perfunctory reinvestigation (§1681i, §1681s-2(b)).

What it offers: Consent orders against CRAs/furnishers (e.g., TransUnion, Experian, furnishers) searchable by topic.

How to use: Show notice of prior violations for willfulness (§1681n) and punitive damages.

What it offers: CA ID-theft info sheets, freeze guidance, CA ID Theft Registry (criminal ID theft).

How to use: Client letters; CA Penal Code 530.8 records requests from creditors.

What it offers: Guidance on free freezes, initial/extended fraud alerts, active-duty alerts.

How to use: Advise ID-theft clients; extended alert requires Identity Theft Report.

What it offers: Creates FTC Identity Theft Report + personalized recovery plan with prefilled letters (CRA block requests under §1681c-2, furnisher letters).

How to use: Generate the Identity Theft Report needed to invoke §1681c-2 blocking and §1681s-2(a)(6); foundation for ID-theft FCRA/FDCPA claims.

What it offers: Place/lift Equifax security freeze and fraud alerts.

How to use: Protect client during litigation; document freeze dates.

What it offers: Place/lift Experian freeze and fraud alerts.

How to use: Same.

What it offers: Place/lift TransUnion freeze and fraud alerts.

How to use: Same.

What it offers: Trade association of CRAs; Metro 2 workshops/webinars, consumer credit FAQ, policy positions.

How to use: Background on industry practices, training materials (FCRA Certification) useful for depositions/impeachment of CRA witnesses.

What it offers: Public-records people/asset search, address history, relatives, liens/judgments.

How to use: Diagnose mixed-file cases (identify the other person with similar identifiers) and locate witnesses; GLBA/DPPA permissible use required.

What it offers: Monthly counts of FCRA, FDCPA and TCPA filings, top filing attorneys, class-action trends; subscription tool to search litigious consumers/plaintiffs.

How to use: Track FCRA filing trends; defense side screens repeat plaintiffs; plaintiffs benchmark venue activity.

What it offers: Purchase/licensing of the Credit Reporting Resource Guide (official Metro 2 manual).

How to use: Obtain the CRRG to cite in discovery and depositions of furnishers (e.g., required CII code after bankruptcy discharge, account status 13/DA, ECOA codes).

What it offers: Metro 2 supporting documents, FAQs and updates.

How to use: Keep current on format changes; support expert or discovery requests for furnisher data layouts.

What it offers: Overview of Metro 2 (standard furnisher data format), Credit Reporting Resource Guide (CRRG) purchase/access, training.

How to use: Understand status codes, Compliance Condition Codes (e.g., XB/XC dispute codes), bankruptcy indicators (CII), DOFD; frame §1681s-2 accuracy/incomplete-reporting theories.

What it offers: Online/mail dispute instructions for Innovis files.

How to use: Dispute inaccuracies at Innovis to trigger §1681i and §1681s-2(b) duties for furnishers reporting there.

What it offers: Free Innovis file disclosure; also dispute, security freeze and fraud alert pages.

How to use: Innovis is often overlooked — request its file when a furnisher reports to it (many banks/servicers do) and include in dispute campaigns.

What it offers: Official Big-3/Innovis opt-out of prescreened credit/insurance offers (5 years online or permanent by mail).

How to use: Reduce identity-theft exposure; also relevant to §1681b(c) firm-offer cases.

What it offers: Official current text of Reg V.

How to use: Authoritative citation text for briefs.

What it offers: Rules for consumer disputes sent directly to furnishers.

How to use: Direct-dispute letters to furnishers; note no private right under §1681s-2(a), but useful for pre-suit and state-law claims.

What it offers: Full Reg V with official interpretations: furnisher accuracy/integrity (1022.40-.43), direct disputes, model notices (Appendix K summary of rights, Appendix N/F).

How to use: Cite furnisher direct-dispute duties (1022.43) and accuracy/integrity guidelines; attach model forms.

What it offers: Directory of Professional Background Screening Association member companies (employment/tenant screeners), searchable by name/location.

How to use: Identify the background-screening company behind an unfamiliar report or adverse-action letter, locate its address for file requests/service.

What it offers: ChexSystems (Fidelity National Information Services) consumer file: closed-for-cause checking/savings accounts, account-abuse reports, inquiries; freeze page available.

How to use: Use when client is denied a bank account; FCRA claims against ChexSystems and furnishing banks for inaccurate "account abuse"/fraud codes.

What it offers: EWS consumer report (bank-account history, deposit-account risk data shared by big banks; Zelle-related data), dispute instructions.

How to use: Pair with ChexSystems in account-denial cases; EWS files often contain bank-reported fraud/closure flags not visible on credit reports.

What it offers: Request copy of Checkr background report, dispute records (gig-economy/employment screening).

How to use: Rideshare/delivery driver deactivation cases: get report, dispute, and assess §1681b(b)(3) pre-adverse action and §1681e(b) claims.

What it offers: First Advantage candidate resources: report requests, disputes, consumer contact.

How to use: Employment/tenant screening disputes; common FCRA defendant.

What it offers: Consumer file request and dispute process for HireRight employment background reports.

How to use: Employment denial cases; §1681k/§1681e(b) accuracy claims on criminal/education/employment verifications.

What it offers: Candidate report copy and dispute portal for Sterling (First Advantage group) background checks.

How to use: Same as above; request file and dispute before suit.

What it offers: Free employment & income data report (employer payroll records), freeze and dispute.

How to use: Request in employment/income verification denials and identity-theft employment fraud; errors are §1681e(b)/§1681i actionable.

What it offers: Hub for LexisNexis Risk consumer file requests, disputes, security freeze, and opt-out.

How to use: Dispute LN-sourced items directly and document LN reinvestigation for FCRA claims against it.

What it offers: Request LexisNexis consumer disclosure (public records, liens/judgments, address history, C.L.U.E. auto/property insurance claims, telecom, rental, and other LexisNexis Risk consumer-report databases); dispute and freeze links.

How to use: Critical for insurance-denial, tenant, and identity-theft/mixed-file cases; LN supplies public-record data to the Big 3 and screeners, so its file often shows the source of bad judgment/lien data.

What it offers: Mortgage tri-merge credit report reseller; consumer contact/dispute information for Credco reports.

How to use: Mortgage-denial cases: identify reseller (Credco) as a CRA; request the tri-merge used by the lender.

What it offers: Clarity file disclosure/dispute for alternative/subprime lending data (payday, installment, rent-to-own, online lenders).

How to use: Request in payday/online-lender cases, identity-theft loans, and when a subprime lender denies credit citing Clarity.

What it offers: Equifax help articles on Teletrack (subprime/payday data) file requests.

How to use: Request Teletrack file where lender adverse-action notice cites Equifax/Teletrack; note Teletrack is now within Equifax.

What it offers: MicroBilt/PRBC consumer file request, dispute and freeze instructions (alternative credit data used by small lenders and debt buyers).

How to use: Request file in identity-theft and small-dollar lending cases; MicroBilt data is also used for skip tracing by collectors.

What it offers: RealPage resident-screening consumer report request, disputes (tenant screening, eviction, criminal records).

How to use: Common defendant in tenant-screening FCRA suits (mismatched criminal/eviction records); request file after rental denial.

What it offers: RentGrow consumer file request & dispute info for Yardi resident screening.

How to use: Request file after apartment denial; RentGrow is a frequent tenant-screening defendant.

What it offers: Tenant-screening CRA (formerly CoreLogic Rental Property Solutions); consumer request/dispute portal linked from site.

How to use: Request SafeRent file/score after denial; SafeRent has faced FCRA and FHA class litigation over scoring and record-matching.

What it offers: TransUnion tenant-screening product; consumer report copies/disputes via TransUnion rental screening support.

How to use: Identify when a landlord used TU SmartMove and request the tenant file/dispute eviction or criminal records.

What it offers: NCTUE data report request (telecom, pay-TV, utility payment/unpaid-balance data), dispute and freeze info.

How to use: Use for utility/cellphone account denials and identity-theft telecom accounts.

What it offers: AZ consumer access (§44-1693), freeze (§44-1698) and CRA provisions.

How to use: AZ state-law supplement; freeze and file-access rights.

What it offers: AZ ID-theft guidance and complaint portal.

How to use: Client ID-theft support; AG complaint.

What it offers: CCRAA: CRA duties, furnisher duty not to furnish info it knows/should know is inaccurate (1785.25(a)), damages incl. punitive $100-$5,000 per violation (1785.31).

How to use: CA furnisher claims survive FCRA preemption for 1785.25(a) in many courts; add as state count.

What it offers: ICRAA: background checks (character/criminal/tenant), disclosure requirements, $10,000 statutory damages per violation.

How to use: Employment/tenant background-check class claims in CA.

What it offers: Limits employer use of consumer credit reports to listed positions.

How to use: Employment credit-check claims in CA.

What it offers: FL ID-theft victim kit and complaint resources.

How to use: Client resources.

What it offers: FL consumer credit report security freeze statute.

How to use: FL freeze rights; pair with FCCPA §559.72 claims for collection reporting.

What it offers: MD Identity Theft Unit guidance, freeze instructions, ID Theft Passport program.

How to use: Client ID-theft assistance; MD ID Theft Passport helps clients against wrongful arrest/collection.

What it offers: MD CRA duties, disputes, security freeze (§14-1212.1), civil liability (§§14-1213).

How to use: Add MD state count alongside FCRA; freeze rights.

What it offers: NJ guidance on ID theft, security freezes (NJ Identity Theft Prevention Act, N.J.S.A. 56:11-44 et seq.; NJ FCRA N.J.S.A. 56:11-28 et seq.).

How to use: NJ state-law supplement; freeze and ID-theft rights.

What it offers: PA AG ID-theft guidance and complaint.

How to use: Client resources.

What it offers: Security freeze and CRA obligations for PA consumers.

How to use: PA ID-theft/freeze issues; supplement FCRA claims.

What it offers: TN Division of Consumer Affairs: complaints, ID theft, Credit Security Act of 2007 (Tenn. Code 47-18-2101 et seq.) freeze info.

How to use: TN ID-theft/freeze rights; TCPA (TN Consumer Protection Act) complaints.

What it offers: TX ID-theft victim guidance, complaint filing.

How to use: Client resources; AG complaint for leverage.

What it offers: TX CRA regulation: disputes, security freeze, ID theft blocks, remedies.

How to use: TX state-law counts (note FCRA preemption limits); freeze/ID-theft rights.

What it offers: WY consumer complaints, ID theft info.

How to use: Client complaints/referrals.

What it offers: Wyoming trade/commerce title incl. consumer credit report security freeze and ID-theft provisions.

How to use: WY freeze rights; WY has no broad state FCRA analog, rely on federal FCRA.

What it offers: Full statute text with section navigation.

How to use: Quick cite for §1681e(b), §1681i, §1681s-2(b), §1681n/o damages, §1681p limitations.

What it offers: Current FCRA text (PDF) and related FTC materials.

How to use: Printable statute copy for exhibits/clients.

What it offers: NCLC treatise: CRA/furnisher duties, e-OSCAR, Metro 2, damages, case law, sample pleadings & discovery.

How to use: Primary practice treatise for FCRA pleading, discovery requests (ACDVs, procedures manuals) and damages briefing.