Failure to properly investigate/correct errors on credit report
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
LoanCare Refusal of Requests and Erroneous Credit Reporting Class Action
When a mortgage loan is passed from one servicer to another, the transfer process may result in errors. In this case, for all of the plaintiffs, the new servicer was LoanCare, LLC. The complaint for this class action alleges that LoanCare erroneously considers them all to be in arrears, has refused to provide them with 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
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
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