COURT DENIES TRANS UNION’S MOTION TO STAY FCRA CLASS ACTION

Court Denies Trans Union Motion to Stay in FCRA Class Action Case Dennis v. Trans Union, LLC, Dist. Court, ED Pennsylvania (Jan. 12, 2016) Consumer reporting agency Trans Union filed a motion to stay, in an effort to postpone legal proceedings for violation of the Fair Credit Reporting Act (“FCRA”). The Court  denied Trans Union's motion because Trans … Continue reading COURT DENIES TRANS UNION’S MOTION TO STAY FCRA CLASS ACTION

$18.6 MILLION VERDICT BECAUSE OF EQUIFAX CREDIT REPORT ERRORS

$18.6 MILLION VERDICT AGAINST EQUIFAX Credit reporting agencies must assure the maximum accuracy of your credit report.  If they do not, then you have the right to sue the credit reporting agencies in federal court under the Fair Credit Reporting Act. When a credit reporting agency includes information in the file of another consumer, such … Continue reading $18.6 MILLION VERDICT BECAUSE OF EQUIFAX CREDIT REPORT ERRORS

WHAT DOES DODD FRANK ACT DO FOR CONSUMERS?

What does the Dodd-Frank Act do for consumers? For the first time in over twenty years, Congress made more changes in consumer protection laws by enacting the Dodd-Frank Act.  Publ. L. No. 111-203, 124 Stat. 1376 (2010).    The Dodd Frank Act was signed into law on July 21, 2010.  The Dodd Frank Act includes consumer protection … Continue reading WHAT DOES DODD FRANK ACT DO FOR CONSUMERS?

ID THEFT NEWS – WEEKLY UPDATE

We represent victims of identity theft across the country. Identity theft is an epidemic, especially in the South. Few identity thieves are arrested and convicted. What can consumers do to protect their credit reports and their reputation? Federal law provides identity theft victims with rights under the Fair Credit Reporting Act (FCRA). Under federal law, identity … Continue reading ID THEFT NEWS – WEEKLY UPDATE

SOUTH CAROLINA MAN SPENDS 2 YEARS TRYING TO CORRECT EQUIFAX CREDIT REPORT

A South Carolina man, Mike St. Peter, has fought Equifax for years to correct his credit report.  The problem started when Mr. St. Peter discovered a mortgage balance on his Equifax report that never changed – despite making his mortgage payments.  He signed up for a credit monitoring program and saw his mortgage balance staying … Continue reading SOUTH CAROLINA MAN SPENDS 2 YEARS TRYING TO CORRECT EQUIFAX CREDIT REPORT

FAIR CREDIT REPORTING ACT (FCRA) GIVES CONSUMERS A PRIVATE CAUSE OF ACTION AGAINST FURNISHERS

It is well settled in the Eleventh Circuit that consumers do not have a private cause of action under 15 U.S.C. 1681s-2(a).  Chipka v. Bank of America, 355 Fed. Appx. 380 (11th Cir. 2009); Green v. RBS Nat’l Bank, 288 Fed. Appx. 641 (11th Cir. 2009); Antoine v. State Farm Mut. Auto. Ins. Co., 662 … Continue reading FAIR CREDIT REPORTING ACT (FCRA) GIVES CONSUMERS A PRIVATE CAUSE OF ACTION AGAINST FURNISHERS

EXPERIAN SUMMARY JUDGMENT DENIED – JUDGE SAYS CREDIT IS THE LIFEBLOOD OF THE MODERN AMERICAN ECONOMY – EXPERIAN’S SUMMARY JUDGMENT DENIED

In Burke v. Experian, Judge Anthony J. Trenga opined, "Credit is the lifeblood of the modern American economy and for the American consumer access to credit has become inextricably tied to consumer credit scores as reported by credit reporting agencies." In his opinion, Judge Trenga denied Experian's (a nationwide consumer reporting agency) Motion for Partial … Continue reading EXPERIAN SUMMARY JUDGMENT DENIED – JUDGE SAYS CREDIT IS THE LIFEBLOOD OF THE MODERN AMERICAN ECONOMY – EXPERIAN’S SUMMARY JUDGMENT DENIED