What the outlet published · Sentence 3
“[A]ntes de que Cofidis comunicara los datos de la mujer al fichero de solvencia patrimonial, ésta ya había formulado una reclamación extrajudicial en la que impugnaba la validez del contrato del que se derivaba la deuda por su carácter usurario.”
Translation · ES
[B]efore Cofidis passed the woman's data to the credit register, she had already made an out-of-court claim challenging the validity of the contract behind the debt as usurious.
What this claims, in our words
THE ORDER OF EVENTS ALLEGED: the customer disputed the debt before Cofidis reported her. If that sequence is wrong, the reasoning of the ruling falls with it.