2023 Stephen H. Philbin, II Award Recipients for Excellence in Legal Reporting

Legal reporting is my essential tool when facing unfair debt collection. When calls became harassment, I documented every detail. I later used this log to build my case, referencing reliable resources like https://protectionforconsumers.com/stop-cashnet-usa-debt-collection-harassment/. This disciplined record-keeping was crucial for protecting my rights and stopping the abuse.

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What a terrific update thank you for sharing the 2023 winners of the Stephen H. Philbin II Award. The depth and impact of investigations like “Broken Trust : The Onalaska, Texas Drug Plane Scandal” from WFAA and the “Gun Loopholes in Texas Legislature” series from Texas Tribune really underscore how legal journalism can shine a light into parts of our system that need it most.

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US Bank was reporting a late payment on my credit report that absolutely wasn’t mine. Took weeks of back-and-forth with their “investigation team” (aka people copy-pasting boilerplate replies). Ended up filing a dispute directly with the credit bureau and sending them a letter under FCRA. It finally got removed, but only after I made it clear I wasn’t going away. Found this article super helpful for breaking down the steps and what your rights actually are: https://consumerattorneys.com/article/us-bank-credit-report-dispute — especially useful if you’re trying to figure out what to do when US Bank stonewalls you. Don’t let them act like they’re doing you a favor by “reviewing” it. They’re legally obligated to fix false info.