Discharged/invalid debts on credit report

Equifax Debts Reported as “Unavailable” Class Action

This class action brings suit against Equifax Information Services, LLC, alleging that the company violated the Fair Credit Reporting Act (FCRA) by “knowingly, and/or willfully reporting inaccurate information” on consumer reports and by not having procedures to assure that the information is, as far as possible, accurate.  Read more

Equifax Reporting of Outdated Debts FCRA Class Action

This class action sues Equifax Information Services, LLC for publishing “adverse, outdated, and inaccurate information related to illegal payday loans” in credit reports. It brings suit under the Fair Credit Reporting Act (FCRA), which is intended to prevent erroneous or inaccurate reporting. The complaint alleges that a company called Midwest Recovery “reported these unenforceable debts  Read more

Experian Inaccurate Credit Report Entries Settlement

Experian Information Solutions, Inc. is paying $5 million to settle a class action alleging that it provided inaccurate information on some of its credit reports. The complaint alleged that the inaccurate information included delinquent loan accounts from CashCall, Inc., a debt collector for loans from Western Sky Financial, LLC, that should have been excluded after  Read more

Equifax Inaccurate Public Records Information Settlement

Equifax Information Services, LLC is settling a class action with the establishment of an Alternative Dispute Resolution program to adjudicate claims that it published inaccurate information on consumer reports that sometimes had an adverse effect on those consumers. The complaint alleged that the information concerned tax liens or civil judgments that belonged to others or  Read more

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).  Read more

Equifax, Toyota Motor Credit Disputed Items on Report FCRA Class Action

Consumer reports are used more and more often, just as identity theft is becoming more and more common. It’s therefore important that credit information be kept accurate and that false items be promptly investigated and removed from credit reports. This class action brings suit against Equifax Information Services, LLC and Toyota Motor Credit Corporation, under  Read more

Wells Fargo Incorrect Reporting of Paid-Off Debt Class Action

Because consumer credit reports are increasingly important these days, it is also important that company reports about outstanding loans be accurate. The complaint for this class action alleges Wells Fargo, NA continued to report a debt that had been paid off, despite the consumer’s attempts to get the debt removed from her credit report.  Read more

California Coast Credit Union Reporting of Discharged Debt Class Action

This class action brings suit under two credit reporting laws, the federal Fair Credit Reporting Act (FCRA) and the California Consumer Credit Reporting Agencies Act (CCCRAA). According to the complaint, California Coast Credit Union (CCCU) provides erroneous information to credit reporting agencies about financial obligations have been “closed and discharged.”  Read more

Alphera Financial Services Inaccurate Credit Info Class Action

Consumer reporting agencies (CRAs) play an outsize role in people’s lives these days, with even prospective employers and landlords asking for consumer reports. The Fair Credit Reporting Act (FCRA) governs the activities of CRAs and also of the companies known as furnishers that provide information to CRAs. The complaint for this class action alleges that  Read more

TransUnion Reporting of CashCall, Western Sky Debts Settlement

TransUnion, LLC is putting aside $500,000 to resolve a class action brought under the Fair Credit Reporting Act (FCRA) concerning information it reported on consumers. The complaint alleged that TransUnion reported collection accounts for some consumers that had originated with loans from CashCall or Western Sky, even though the consumers lived in states whose laws  Read more