Southern California Edison Incorrect Reporting of Negative Info Class Action

Southern California Edison Company provides information to consumer reporting agencies. The complaint for this class action claims that the company has sometimes reported information on consumers that is inaccurate, thus violating the Fair Credit Reporting Act (FCRA) and the California Consumer Credit Reporting Agencies Act (CCCRAA).

The class for this action is all persons whose consumer credit reports from any of the three major credit reporting agencies reflects an inaccurate consumer credit report message by Southern California Edison where existing negative credit report information is reported as a new occurrence.

Because consumer reports are now used at so many important junctures in a person’s life—buying a home, renting an apartment, applying for a job, asking for credit for a car loan or credit card—it’s important that the information given to them be accurate. Incorrect information can result in a lower credit score, which in turn can affect major aspects of a person’s life.

Southern California Edison claims that plaintiff Robert Bohlke owes it money for home utility services. However, Bohlke says he is not responsible for that debt. Bohlke moved out of the home where the services were allegedly used in 2011. The home was “short sold,” the complaint alleges, and the Bohlke disconnected utility services to it in 2012.

In 2014, Southern California Edison reported non-payment of the alleged debt to it in May 2014. Bohlke says he wrote to the credit reporting agencies disputing the debt. In fact, the complaint says, “On multiple occasions, [Bohlke] unsuccessfully disputed the validity of the reporting, in writing, to the Credit Reporting Agencies.”

Even so, the complaint says, Southern California Edison reported the debt to the credit reporting agencies again in December 2019. Bohlke again contacted the credit reporting agencies. This time, he “was advised by the Credit Reporting Agencies they could not help him as he had previously disputed the reporting. They advised [Bohlke] to contact [Southern California Edison] directly and request the removal of the negative reporting.”

Bohlke did this, but the company “insisted [he] was responsible for the debt and advised [him] that it was [the company’s] normal business practice to renew negative reporting on consumers in perpetuity until the debt is resolved.” The complaint alleges that the company continues to report the inaccurate and derogatory information to credit reporting agencies.

The complaint alleges that this has damaged Bohlke in various ways:

  • Causing him “[e]motional distress and mental anguish” when incorrect derogatory information about him is transmitted to others.
  • Lowering his credit score, “which may result in an inability to obtain credit on future attempts.”
  • Costing him out-of-pocket expenses incurred in disputing the information and trying to get it removed from his credit reports.
Article Type: Lawsuit
Topic: Consumer

Most Recent Case Event

Southern California Edison Incorrect Reporting of Negative Info Complaint

March 23, 2020

Southern California Edison Company provides information to consumer reporting agencies. The complaint for this class action claims that the company has sometimes reported information on consumers that is inaccurate, thus violating the Fair Credit Reporting Act (FCRA) and the California Consumer Credit Reporting Agencies Act (CCCRAA).

Southern California Edison Incorrect Reporting of Negative Info Complaint

Case Event History

Southern California Edison Incorrect Reporting of Negative Info Complaint

March 23, 2020

Southern California Edison Company provides information to consumer reporting agencies. The complaint for this class action claims that the company has sometimes reported information on consumers that is inaccurate, thus violating the Fair Credit Reporting Act (FCRA) and the California Consumer Credit Reporting Agencies Act (CCCRAA).

Southern California Edison Incorrect Reporting of Negative Info Complaint
Tags: Credit Reports, Discharged/invalid debts on credit report, FCRA