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Shango Butler v. Experian Information Solutions, Inc. — 7th Cir. (argued September 10, 2026)

No. 25-2957 Argued September 10, 2026 Published September 11, 2026

The Seventh Circuit reviews summary judgment for Experian in Shango Butler's Fair Credit Reporting Act suit. After Butler's Chapter 7 discharge, Experian's bankruptcy scrub left a $108 Fingerhut balance because the account still carried a code Q from an earlier, dismissed Chapter 13 case. That code indicated the debt was not included in bankruptcy. Section 1681e(b) requires reasonable procedures to assure maximum possible accuracy. The question is whether Experian reasonably relied on the old code and whether Butler identified a workable alternative.

Shango Butler v. Experian Information Solutions, Inc. (No. 25-2957) — U.S. Court of Appeals for the Seventh Circuit, argued September 10, 2026.

Sources
Argument audio — U.S. Court of Appeals for the Seventh Circuit (public domain, 17 U.S.C. § 105):https://media.ca7.uscourts.gov/sound/external/nv.25-2957.25-2957_09_10_2026.mp3
Argument listing — U.S. Court of Appeals for the Seventh Circuit:https://media.ca7.uscourts.gov/oralArguments/oar.jsp?amonth=09%2F2026&aMonth=List+case%28s%29
District court memorandum opinion — Justia:https://cases.justia.com/federal/district-courts/illinois/ilndce/1%3A2024cv00211/449922/44/0.pdf
15 U.S.C. § 1681e — U.S. House Office of the Law Revision Counsel:https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1681e&num=0&edition=prelim
Appellate docket — Justia:https://dockets.justia.com/docket/circuit-courts/ca7/25-2957
Mehak Rizvi — Consumer Justice Law Firm:https://consumerjustice.com/attorneys/mehak-rizvi/
Mehak Rizvi — Cornell LII Attorney Directory:https://lawyers.law.cornell.edu/lawyer/mehak-fatima-rizvi-1674626
William Evans — Goodwin:https://www.goodwinlaw.com/en/people/e/evans-william
William Evans filing — Supreme Court of the United States:https://www.supremecourt.gov/DocketPDF/25/25-1223/417627/20260730151040058_Montoya%20Palacios%20--%20letter%20re%20merits%20briefing%20schedule.pdf

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