OCWEN’S MOTION TO DISMISS FCRA CLAIMS DENIED

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 [...]

COURT GRANTS SUMMARY JUDGMENT UNDER FCRA FOR QUICKEN

Kingery v. Quicken Loans (S.D. West Virginia, Charleston Division) Date of Opinion: June 04, 2014 Facts: Plaintiff sent a loan inquiry in April 2010 to MortgageLoans.com who identified Quicken Loans, among others, as a potential lender. Quicken uses a software for their inquiry process, Loan Origination and Lead Allocation “LOLA”, to track, deliver and find [...]

Shaunfield v. Experian

SHAUNFIELD v. EXPERIAN INFORMATION SOLUTIONS, INC. (N.D. Texas, Dallas Division, Dec. 2013) John Shaunfield sued Experian, Radiology Associates of North Texas, American Honda Finance Corp., and Credit Systems International under the Fair Credit Reporting Act (FCRA) and various state law claims.  Shaunfield alleged Experian violated the FCRA when it provided companies with two different credit reports under his name. One of [...]

IF THEFT NEWS: WEEKLY UPDATE

Over 10 million consumers a year become victims of identity theft. Fraud victims are denied credit. If fraud victims are approved for credit, then they have to pay higher interest rates! Identity theft victims also get turned down for jobs because of arrests, convictions or other public records in a background report. What can consumers [...]

WHY SHOULD I REQUEST A FREE CREDIT REPORT?

Consumers often ask us why should I request a free credit report?  The answer is common sense - if you do not know what's on your credit report how can you dispute credit report errors? Need more information on how to get a free credit report?  Click here to learn how to order a free [...]

HOLIDAYS PRIME TIME FOR IDENTITY THEFT

Holidays are prime time for identity thieves.  The BBB in North Alabama is warning residents not to fall for scams involving online shopping sites, bogus charities and phishing e-mails.  “We’re all looking for a great deal online, but some sites offer electronics or luxury goods at prices that are too good to be true,” Mason [...]

POLICE LOOKING FOR BIRMINGHAM ALABAMA IDENTITY THIEF

Jefferson County (Birmingham, Alabama) police are looking for a man charged with identity theft.  Authorities say  Tedo Meyon Jackson, 41, worked for Milner Milling in Forestdale, Alabama and stole employees' personal information from the company's computer system. According to Al.com, Jackson had previous convictions for second-degree burglary and first-degree theft of property and is on [...]

WHAT DO I DO IF I AM A VICTIM OF ID THEFT?

Victims of identity (ID) theft can have a hard time getting and keeping credit.  Often, creditors will deny or reduce credit limits based on information in your credit reports from Equifax, Experian or Trans Union because of accounts opened by an identity thief. After you have discovered accounts in your credit report opened by an [...]

RIGHT TO FREE CREDIT REPORT – DON’T BE SCAMMED!

Federal law provides consumers with the right to receive their free credit report (annual file disclosure) from all three nationwide consumer reporting agencies, Experian, Equifax and Trans Union, once in a twelve month time period.  15 USC 1681j.  The law also required Experian, Equifax and Trans Union to create a central source for consumers to make a request [...]