Credit Reports

Experian Summary of Rights Omits Information About State Rights FCRA Class Action

Experian Information Solutions, Inc. is one of the Big Three consumer reporting agencies that maintains information and compiles reports on consumers, for the use of credit card companies, other lenders, employers, and landlords. However, the complaint for this class action alleges that Experian does not provide to consumers with all the disclosures about consumer rights  Read more

Wells Fargo Reports Mortgages as Being in Forbearance California Class Action

Lenders, landlords, and employers all use credit reports to screen applicants, to determine whether they want to enter into relationships with them. It is therefore important that credit reports be accurate. The complaint for this class action alleges that Wells Fargo Bank, NA furnishes false information to credit reporting agencies, claiming that certain mortgage accounts  Read more

Trans Union Disputed Bankruptcy on Credit Report Class Action

No one is happy to see a bankruptcy on their credit report—particularly when they have never had a bankruptcy. It’s particularly galling if the consumer gets the entry removed, only for it to appear again on another item. The complaint for this class action alleges that Trans Union, LLC does not conduct reasonable reinvestigations of  Read more

American Express No Reason to Obtain Credit Reports FCRA Class Action

This class action brings suit against American Express for violations of the Fair Credit Reporting Act (FCRA). It alleges that Amex procures credit reports for people whose debts were discharged in bankruptcy, even though it is no longer entitled to obtain such reports. It also suggests that Amex tries to collect the debts that were  Read more

Credit Plus Inaccurate Information on Credit Reports FCRA Class Action

The Fair Credit Reporting Act (FCRA), says the complaint for this class action, requires that consumer reporting agencies “follow reasonable procedures to assure maximum possible accuracy of the information” in their reports. However, the complaint claims, Credit Plus, a reseller reporting agency, does not do this. It alleges that Credit Plus gets public records information  Read more

TransUnion Subsidiary’s Tenant Report Errors FCRA Class Action

When an erroneous item is included in your credit report, shouldn’t you be able to find out about it and have it corrected, directly and efficiently? The complaint for this class action brings suit against TransUnion, LLC, alleging that it dodges requests meant to illuminate incorrect entries in the files of its subsidiary, TransUnion Rental  Read more

LexisNexis, Geico Inaccurate Info on Consumer Reports Class Action

This class action brings suit against LexisNexis Risk Solutions, Inc., a consumer reporting agency, and Geico Advantage Insurance Company, that provides insurance to LexisNexis. The complaint alleges that the companies have violated the Fair Credit Reporting Act (FCRA) that tries to ensure that consumer credit reports contain “maximum possible accuracy of information” about the subject  Read more

Koons Lexus Pulls of Credit Reports Without Authorization Class Action

This class action brings suit against Toyota Motor Sales USA, Inc. in the form of Koons Lexus of Wilmington, in Delaware, under the Fair Credit Reporting Act (FCRA). The issue? The complaint claims that it pulled a credit report on a customer who told its personnel multiple times that she did not want them to  Read more

First Advantage No Investigation of Disputed Credit Report Entries Class Action

The Fair Credit Reporting Act (FCRA) gives consumers rights when companies compile and trade information about them. For example, in passing the FCRA, Congress said that “the consumer has a right … to correct any erroneous information in his credit file.” In this class action, the complaint alleges that First Advantage Background Services Corp. does  Read more

LexisNexis, Kroll Consumer Reports Info on Judgments and Liens Class Action

The Fair Credit Reporting Act (FCRA) requires that companies that collect or sell data on individuals must use reasonable means to ensure that their data is accurate. This class action alleges that LexisNexis Risk Solutions and Kroll Factual Data, Inc. do not take such precautions in supplying or selling data about civil judgments or liens.  Read more