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Experian and TransUnion Class Action Alleges Inaccurate Information in Credit Report

This lawsuit alleges that two large consumer credit reporting agencies, Experian and TransUnion, willfully and negligently included inaccurate information in the credit reports of a Texas resident, in violation of the Fair Credit Reporting Act.

Texas resident Brian Jallo began making monthly spousal payments for child support and related obligations in 2009.   After he left the military and was unemployed for an approximate four-month period in 2011, Jallo began making several payments in an amount less than he originally agreed to pay.  In August 2012, he was ordered to pay $480.00 per month, which he paid as ordered.

In August 2013, Jallo began the process of repairing his credit record, credit history, and credit rating. He became aware of inaccurate information regarding his child support payment history that was contained in the credit reports provided by Experian Information Solutions, Inc. (Experian) and TransUnion, LLC (TransUnion), both Illinois based “consumer reporting agencies,” as defined by the Fair Credit Reporting Act (FCRA), engaged in the business of assembling or evaluating consumer credit information or other Information on consumers for the purpose of reporting or furnishing consumer reports to third parties.

According to his complaint, when Jallo identified alleged inaccurate information in his Experian and TransUnion credit reports relating to information from the Texas Attorney General’s Office regarding his child support payment history, he notified the companies of the disputed information in accordance with required procedures and both companies revised their credit reports.  According to the complaint Jallo filed against both companies on October 26, 2105 (U.S. District Court Eastern District of Texas), neither company ever conducted a required  investigation of the disputed information in accordance with FCRA mandates or issued an accurate report.

Jallo’s class action suit against Experian and TransUnion, filed on behalf of himself and similarly situated individuals, alleges both companies violated FCRA; specifically, 15 U.S.C. §1681e(b), by failing to establish or to follow such reasonable procedures to assure maximum possible accuracy in the preparation of the credit report and credit files they published and maintained concerning Jallo.  The complaint also allegeds the companies failed to establish or to follow reasonable procedures to avoid the inaccuracies regarding the allegedly late child support payments included in Jallo’s credit reports and credit files particularly after he disputed the inaccuracies.

Jallo claims he suffered damages from the willful and negligent conduct of the companies, including, but not limited to, loss of credit, loss of the ability to purchase and benefit from credit, time and expense disputing the incorrect reporting, and the mental and emotional pain and anguish and the humiliation and embarrassment of credit denials.  The complaint seeks actual and punitive damages and attorneys fees’ and costs.

 

 

 

Article Type: Lawsuit
Topic: Consumer

Most Recent Case Event

Experian and TransUnion Class Action Alleges Inaccurate Credit Report Complaint

October 26, 2015

The complaint for this lawsuit alleges that Experian and TransUnion willfully and negligently included inaccurate information in the credit reports of a Texas resident, in violation of the Fair Credit Reporting Act.

experian_complaint.pdf

Case Event History

Experian and TransUnion Class Action Alleges Inaccurate Credit Report Complaint

October 26, 2015

The complaint for this lawsuit alleges that Experian and TransUnion willfully and negligently included inaccurate information in the credit reports of a Texas resident, in violation of the Fair Credit Reporting Act.

experian_complaint.pdf
Tags: Credit Reports, Unfair Services