Do you have credit report errors? Have you disputed the false information to the credit bureaus? Now What?
Debt Collectors' New Credit Reporting Policy Shortens Time for Negative Credit Information on Consumers' Credit Reports Encore Capital Group, Inc. announced a change in its credit reporting policies for consumers. Encore's subsidiaries include: Midland Credit Management; Midland Funding, Asset Acceptance; Atlantic Credit & Finance. According to the Encore press release, "A significant challenge with current [...]
Owen's Motion to Dismiss FCRA Claims Denied A federal court denied Owen's Motion to Dismiss the plaintiff's claims under the Fair Credit Reporting Act (FCRA). Polvorosa v. Allied Collection Services, et al, U.S.D.C Nev. Jan. 3, 2017 Facts: The plaintiff Polvorosa, alleged that the defendants violated the Fair Credit Reporting Act (FCRA). In 2011, the [...]
The Consumer Financial Protection Bureau (CFPB) took action against Equifax, Trans Union and their subsidiaries for deceiving consumers about the usefulness and actual cost of credit scores sold to consumers. According to the CFPB papers, Equifax and Trans Union also lured consumers into costly recurring payments for credit related products with false promises. The CFPB ordered [...]
In a recent decision, a district court denied a user's motion to dismiss citing Spokeo under the Fair Credit Reporting Act ("FCRA"). Green, III v. Rentgrow, Inc. and Trans Union, LLC, Case No.: 2:16-cv-421 (E.D. Va, Nov. 10, 2016). Facts: Walter Green, III, received a credit monitoring alert that RentGrow obtained a copy of his [...]
Consumers often contact us and ask how to dispute credit report errors. Its easy. First, order your credit reports from the nationwide consumer reporting agencies Equifax, Experian and Trans Union. You should order your free credit reports from each of the bureaus using this one page form. Download the free-annual-disclosure-request-form and mail it to the address on [...]
It's official! The Adkins Firm has opened its Houston, Texas office. The office is located in Houston's uptown district in the Williams Tower. The office is easily recognized across the skyline as it is the 4th tallest building in Texas. The Adkins Firm is located at 2800 Post Oak Blvd., Suite 4100, Houston, Texas 77056, [...]
Background report lawsuit results in verdict for employer's willful violation of the FCRA.
The U.S. Court of Appeals for the District Court of Columbia held the Consumer Financial Protection Bureau (CFPB) can keep its powers. On October 11, the court of Appeals held that while the CFPB's single director director removable only for cause structure is unconstitutional, other portions of the statute authorizing the CFPB are constitutional. In PHH Corp. [...]
Stop ID theft - add a credit freeze to your credit file.