Appeal from the United States District Court for the Middle District of Tennessee at Nashville.
No. 3:19-cv-00484—Aleta Arthur Trauger, District Judge.
Decided and Filed: March 24, 2023
Before: McKEAGUE, THAPAR, and LARSEN, Circuit Judges.
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OPINION
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LARSEN, Circuit Judge. Carl Ward sued NPAS, Inc. under the Fair Debt Collection
Practices Act (FDCPA). A previous panel of this court found that Ward did not have Article III
standing to bring his claims. On remand, Ward amended his complaint and added documents to
the record to show he had suffered a concrete harm. The district court concluded that those
changes were sufficient to demonstrate Ward’s standing but that Ward could not prevail on the
merits because NPAS, Inc. is not a debt collector in the meaning of the FDCPA. We agree with
the district court on both counts and AFFIRM. |