Debtor Loses Appeal in Suit Over Single Collection Letter

A consumer’s receipt of a single letter from a debt collector in violation of the Fair Debt Collection Practices Act isn’t a sufficient basis for a federal lawsuit, a federal appeals court ruled.

Plaintiff Marcia Denmon didn’t have standing to sue in federal court because the receipt of one letter in violation of the act’s requirements wasn’t a concrete injury sufficient for Article III standing, a divided panel of the US Court of Appeals for the Eighth Circuit said Wednesday.

Denmon failed to show that her injury from the receipt of one letter was close to the kind of injury ...