Failure to properly investigate/correct errors on credit report

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

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

Experian, VW Credit Fraudulent Credit Account Reporting Class Action

Identity theft is becoming an ever-larger problem, with the increasing number of data breaches and their increasing size. The complaint for this class action alleges that Experian Information Solutions, Inc. failed to note on a consumer report that an account with VW Credit, Inc. was disputed, and that it thereby violated the Fair Credit Reporting  Read more

Bank of America Inaccurate Info on Credit Reports California Class Action

With more and more parties insisting on obtaining credit reports, not just for prospective borrowers but also for prospective tenants and employees, it’s clear that credit reports must be accurate. The complaint for this class action alleges, however, that Bank of America, NA has reported “erroneous negative and derogatory information” on customers to credit reporting  Read more

TransUnion Reporting of Forgiven Debts FCRA Class Action

For the consumer reporting system to work properly, it’s important that reporting agencies be held to standards of accuracy. The Fair Credit Reporting Act (FCRA) sets out rules for reports and their use. However, the complaint for this class action alleges that TransUnion, LLC reported that certain consumers owed debts that had been forgiven in  Read more

Select Portfolio Servicing Bankruptcy Discharge FCRA Class Action

Because of the increasing importance of credit reports these days, consumers must work to maintain good credit ratings. Unfortunately, they must also work to make sure the information handed out by the reporting agencies is accurate. This class action alleges claims against debt collector Select Portfolio Servicing, Inc. (SPS), for continuing to send out inaccurate  Read more

Equifax, Regions Bank Erroneous Credit Reporting FCRA Civil Action

Plaintiff Christopher Carroll went through a Chapter 13 bankruptcy in November 2011, with an Order of Discharge entered in March 2017. According to the complaint for this civil action, however, the reporting submitted for his mortgage by Regions Bank, Inc. (Alabama) and published by Equifax Information Services, LLC still contains errors relating to the bankruptcy.  Read more

Ditech Inaccurate Mortgage Payment Reporting RESPA/FCRA Class Action

Mortgages are the largest items in most people’s credit portfolios, and errors in mortgage servicing can have major impacts on mortgage holders’ lives. In this class action, plaintiff Eugenia Rapp alleges that mortgage servicer Ditech did not use adequate dispute-reporting processes, so that it violated both the Real Estate Settlement Procedures Act (RESPA) and the  Read more

Credit Reporting Agencies Bankruptcy Discharge Settlement

This settles a consolidated class action alleging that the major credit reporting agencies—Equifax, Experian, and TransUnion—violated the Fair Credit Reporting Act (FCRA) as well as state laws when reporting debts discharged in bankruptcy. The complaint claimed that the agencies did not put in place reasonable procedures to ensure accuracy when reporting debts that had been  Read more